This page, together with the privacy policy tells you the terms of use on which you may make use of this website (the "website"). Please read these terms of use and any other documents referred to, carefully before you start to use the website. By using the website, you indicate that you accept these terms of use and that you agree to abide by them. If you do not agree to these terms of use, please refrain from using the website.

We may revise these website terms of use at any time by amending this page. You are expected to check this page from time to time to take notice of any changes we make, as they are binding on you. Some of the provisions contained in these terms of use may also be superseded by provisions or notices published elsewhere on our site.

Information About Us

This website is provided to you by United Legal Services Limited (a company registered in England and Wales under company number 04594095 whose registered office is at The Old Grammar School, Church Road, Thame, OX9 3AJ) on behalf of Destiny Financial Services Ltd. Please note that for advice on any of the products on this website contact Destiny Financial Services Ltd on one of the contact methods provided.

United Legal Services is also referred to us as "we", "us" and "our".

Our Website

This website provides you with free information about a range of products and services, with links to third parties who can provide you with further information about those products and services.We also provide you with a free service to compare rates of a number of different financial products. This website provides you with an information only service, and we do not intend to give you any advice as to financial products (or other products and services) and which you should choose.

The information provided on this website (including prices and rates of products) are provided to us by third parties, which we do not check. Therefore, we cannot be responsible to you for the accuracy of the information and rates quoted in this website. We will not be responsible if you or any other person rely on the information and rates published on the website.

It is very important that you check the accuracy of all information and rates which feature on this website, with an appropriate expert. If you require advice as to which financial product is right for you, you should contact an independent financial adviser.

In our comparison services we try to provide information from as many product providers as possible to give you a good cross section of the market. However, it is not possible for us to provide you with information on every product and from every provider.

We do not do any checks on the product providers which we include, and give no warranties or guarantees as to their reputation or financial security. You should check this yourself, or talk about it with an independent financial adviser.

The Availability Of Our Website

While we aim to make the website available as much as possible, there are times when we have to withdraw access to all or part of the website - for example if we have to do planned or emergency maintenance work or to update the website. We therefore do not make any guarantees as to when the website will be available.

Since you will receive this website via third party telecommunications networks, you acknowledge that we cannot guarantee that the availability of this website will be uninterrupted or error free. Similarly we cannot guarantee that the transmission of any information over such telecommunications networks will be secure nor that you will be able to access this website at all times.

Our Obligations And Liability To You

As set out above, we provide the information on the website without any responsibility for checking its accuracy or appropriateness. This is on the basis that the website provides a free service, and you are able to, and should, check the information and rates yourself.

We are responsible for using our reasonable skill and care in providing our website and the comparison service to you in accordance with these website terms of use, and on the basis of what we say we can and cannot be responsible for in these website terms of use. We will be liable to you for all reasonably foreseeable losses which flow as a result of our failure to do so, but we will not be responsible to you for any other losses.

This website is provided for consumers to use only, and therefore we exclude our liability for any business losses, including: loss of income or revenue, loss of business, loss of profits or contracts, loss of anticipated savings, loss of data, loss of goodwill; and wasted management or office time.

We are unable to guarantee that the website is virus and/or error free. You should always check any content before downloading. Any content is downloaded by you from the website at your own risk, and on the basis that you will be solely responsible for any damage to your computer system or loss of data that results from the download of such content.

Nothing in these website terms of use affects our liability for death or personal injury arising from our negligence, nor our liability for fraudulent misrepresentation or misrepresentation as to a fundamental matter.

Your Obligations And Liability To Us

You may only use this website (including any content which you access or download) for lawful purposes, and in any event in accordance with these website terms of use.

In particular you agree:

Ownership And Licence

You acknowledge that all rights in copyright, database rights, design rights, trade marks and other intellectual property rights in this website are owned by us or our licensors (as appropriate). Except for your use of this Website in accordance with these website terms of use, you are granted no other rights in respect of this website.

Information About You And Your Visits To Our Website

We process information about you in accordance with our privacy policy. By using the website, you consent to such processing and you warrant that all data provided by you is accurate.


Where our website contains links to other sites and resources provided by third parties, these links are provided for your information only. We have no control over the contents of those sites or resources, and accept no responsibility for them or for any loss or damage that may arise from your use of them.


Please note the following: