TERMS AND CONDITIONS
Last Updated: 10 December 2025
PLEASE READ THESE TERMS CAREFULLY BEFORE USING THIS WEBSITE
These Terms and Conditions (“Terms”) govern your access to and use of the MoneyMade™ website at www.mymoneymade.com (the “Website”) and all services provided through it (the “Service”). By using our Website, you agree to these Terms. If you do not agree, please do not use the Website.
1. ABOUT US
MoneyMade™ is operated by Kim McCracken, a sole proprietor trading as MoneyMade™, with a principal place of business at 60 Tottenham Court Road, Suite 7010a, Fitzrovia, London, W1T 2EW, UNITED KINGDOM.
CONTACT: hello@mymoneymade.com
2. OUR SERVICE
MoneyMade™ provides financial education and guidance, including:
– The Make It Model™ educational framework
– A free financial foundations assessment (“CHECK”)
– Introductions to FCA-regulated financial advisers (“ACT”)
– Employer-focused financial education services
MoneyMade™ is not authorised or regulated by the Financial Conduct Authority (FCA) and does not provide regulated financial advice, investment recommendations, or any products such as loans or investments. All information is for educational and guidance purposes only.
3. ELIGIBILITY
You must be at least 18 years old and a UK resident to use our Service. By using the Service, you confirm that you meet these requirements.
4. YOUR RESPONSIBILITIES
You are responsible for any decisions you make based on guidance provided by MoneyMade™. You must carry out your own research and seek financial advice where appropriate. While we strive to provide accurate information, we make no guarantees as to completeness or accuracy.
Our CHECK assessment provides indicative results only and does not substitute for professional financial advice. Results are based on the information you provide and do not guarantee future financial outcomes.
You must use the Website lawfully and must not:
– Infringe others’ rights or restrict their use of the Website
– Engage in fraudulent, malicious, or illegal activity
– Transmit harmful code (viruses, malware)
– Attempt unauthorised access to the Website or servers
– Copy or commercially exploit content without our written consent
5. INTELLECTUAL PROPERTY
All content on the Website, including the Make It Model™ framework, CHECK assessment, educational materials, text, graphics, and logos, is owned by or licensed to MoneyMade™.
You may view and use the Website for personal, non-commercial purposes only. You must not copy, reproduce, redistribute, modify, or commercially exploit any content without our express written consent.
6. THIRD-PARTY SERVICES
Financial Adviser Introductions (ACT):
When you request an introduction, we connect you with FCA-regulated financial advisers. We share your contact information and assessment results (if applicable) with the matched adviser and their support team. The relationship is directly between you and the adviser—MoneyMade™ is not a party to that relationship. You are responsible for your own due diligence. Any fees are between you and the adviser. While we work only with qualified, FCA-regulated advisers and make every effort to connect you with suitable professionals, we cannot guarantee the suitability, quality, or outcomes of any advice or services they provide.
Third-Party Links: The Website may contain links to third-party websites. We do not endorse or make representations about these sites and accept no liability for any loss arising from your use of them. You access third-party websites at your own risk.
7. DATA AND PRIVACY
Your use of the Service is subject to our Privacy Policy, which explains how we collect, use, and protect your personal data in compliance with UK GDPR and the Data Protection Act 2018.
8. EMPLOYER SERVICES
When we provide Employer Services, a separate written agreement will specify the scope of services, fees, terms, and cancellation/refund policies.
9. LIMITATION OF LIABILITY
To the fullest extent permitted by law, MoneyMade™ will not be liable for any loss, damage, or costs arising from:
– Your use of or inability to use the Website or Service
– Reliance on content, guidance, or assessment results
– Financial decisions you make based on information from the Website
– Loss of profit, revenue, business, data, or goodwill
– Errors or omissions in Website content
– Acts or omissions of third-party financial advisers
– Service interruptions or technical issues
Nothing in these Terms excludes or limits our liability for death or personal injury caused by negligence, fraud, or any other liability which cannot be excluded by law.
You acknowledge that you use the Website at your own risk and are solely responsible for your financial decisions. You should seek regulated financial advice before making significant financial commitments.
10. INDEMNITY
You agree to indemnify MoneyMade™ from any claims, losses, damages, and expenses (including legal fees) arising from your breach of these Terms, misuse of the Website, or violation of any law or third-party rights.
11. WEBSITE AVAILABILITY AND CHANGES
The Website is provided free of charge (except Employer Services). We do not guarantee the Website will always be available or error-free. We may suspend, modify, or discontinue the Website or any content at any time without notice. We will endeavour to provide reasonable notice of significant interruptions where practicable.
12. COOKIES
We use cookies and similar technologies on the Website. For information about cookies and how to manage your preferences, see our Cookie Policy.
13. DISPUTES AND GOVERNING LAW
If a dispute arises, we encourage you to contact us first to seek an amicable resolution. If informal resolution fails, both parties agree to attempt mediation before pursuing legal action.
These Terms are governed by the laws of England and Wales. Any disputes shall be subject to the exclusive jurisdiction of the courts of England and Wales.
14. GENERAL
Changes to Terms: We may update these Terms to reflect changes in our services, legal requirements, or business operations. Significant changes will be notified via the Website. Your continued use after updates means you accept the revised Terms.
Severability: If any provision is invalid or unenforceable, it will be modified to the minimum extent necessary or severed, with remaining provisions staying in effect.
Waiver: Our failure to enforce any right does not constitute a waiver.
Entire Agreement: These Terms, together with our Privacy Policy and Cookie Policy, constitute the entire agreement between you and MoneyMade™.
No Third-Party Rights: No third party has any right to enforce these Terms under the Contracts (Rights of Third Parties) Act 1999.
Assignment: We may assign our rights or obligations under these Terms by providing notice. You may not assign your rights without our prior written consent.
15. CONTACT US
If you have questions about these Terms, CONTACT us at hello@mymoneymade.com
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By using the MoneyMade™ Website, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions.
