Terms of use

Royal London Money Manager is the name used by RL Money Manager Limited ("we", "us", "our"), a company registered in England and Wales under company number 04409600. Our registered office is at 55 Gracechurch Street, London, EC3V 0RL.

These Terms of Use cover your use of the Royal London Money Manager including:

(i) our website;

(ii) any material and information we publish on our website;

(iii) any software, applications or services we provide on or through our website; and

(iv) any features on our website that allow you to give feedback to us.


Please read these terms of use carefully before you use the Royal London Money Manager. By using the Royal London Money Manager, you accept these terms.


1.1 it is intended only for use by residents of the United Kingdom (excluding the Isle of Man and Channel Islands) who are aged 18 years and above. We do not accept liability for any costs, losses or damages resulting from or related to the use of the Royal London Money Manager by anyone living outside the United Kingdom.

1.2 The purpose of the Royal London Money Manager is to provide you with an online service which allows you to manage your financial affairs The service available will help create purely indicative budgets and forecasts based on the information you provide and assumptions within the website which you can change if you wish.


Our tools will help you understand and manage your finances generally but are for guidance only. If you do need advice tailored to your specific needs we recommend you consult a regulated financial adviser. Nothing on this website constitutes financial advice in any way.


3.1 You must register online with us to save your information.

3.2 We have complete discretion whether or not to accept your application to register with us. We may reject your application without giving a reason.


4.1 You will be able to select a password when you register.

4.2 You should memorise your password and ensure you take all reasonable precautions to prevent it from being obtained by anyone else.

4.3 If you believe that someone else knows your password or is using your password to access your plan without permission, you must ensure that your password is immediately changed using our on-line facility.

4.4 If you fail to take these steps, we will not be responsible for any loss you suffer as a result.


5.1 We aim to make the Royal London Money Manager available 24 hours a day, seven days a week. We do not guarantee that it will always be available. It may be temporarily unavailable or restricted for routine maintenance or other reasons. If this happens we will try to restore availability as soon as possible.

5.2 We may for security reasons restrict or remove your access to the Royal London Money Manager if:

(a) the incorrect password is keyed in on three successive logon attempts;

(b) you or we suspect that an unauthorised person is attempting to access the Royal London Money Manager using your password;

(c) for valid operational or security reasons, you or we believe it is necessary and appropriate to do so;

(d) you are using the Royal London Money Manager for any commercial purpose or for any other use which is not personal use (for example, to advertise services that you could offer).


6.1 We will take reasonable care to ensure that all the information that we provide is accurate, current and complies with relevant laws and regulations of the United Kingdom as at the date of issue.


7.1 We either own or we have the right to use all intellectual property rights in the Royal London Money Manager .

7.2 You agree not to remove, alter or obscure any of our proprietary rights (including copyright and trade mark notices) which may be attached to the Royal London Money Manager.

7.3 We do not give you any right to use any of our trade names, trademarks, service marks, logos, domain names or other distinctive brand features.


The Royal London Money Manager is for personal use only and may not be used for any commercial purposes or other than in accordance with these terms of use.


9.1 You may cancel your use of the Royal London Money Manager. To do this you must login and inform us of your request using the online facility. We will complete the cancellation within seven working days of receiving your notification.

9.2 We may terminate your right to use the Royal London Money Manager:

(a) by giving you immediate notice if you commit a material breach of these terms and fail to correct the breach within 30 days of being asked by us to do so; or

(b) by giving you as much advance notice as possible in the event that we have to withdraw the Royal London Money Manager for legal, regulatory or other reasons.

9.3 The notices that either we or you are required to serve on each other under this section must be served by email. Any email will be deemed to be delivered on the day it was sent provided the sender does not receive a non-delivery message.


10.1 Nothing in these terms of use shall limit or exclude our liability (if any) for;

(a) a breach of any term implied by law as to our title to any goods or services we provide to you;

(b) fraud or fraudulent misrepresentation;

(c) personal injury or death resulting from our negligence; or

(d) our breach of our statutory obligation to provide the services with reasonable skill and care.

10.2 Subject to section 10.1, our liability for losses you suffer as a result of us breaching these terms of use is strictly limited to any losses which are a foreseeable consequence of us breaching these terms of use. Losses are foreseeable where they could be contemplated by you and us at the time you accept these terms of use.

10.3 Subject to section 10.1, we are not responsible for; (a) indirect losses which happen as a side effect of the main loss or damage and which are not foreseeable by you and us; or (b) any losses which were not caused by our breach of these terms of sale or any increased losses you suffer as a result of your own breach of these terms of use.


We process information about you in accordance with our Privacy Policy. By using the Royal London Money Manager, you consent to such processing and you warrant that all data you provide is accurate.


12.1 You must not misuse the Royal London Money Manager by knowingly introducing viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not attempt to gain unauthorised access to the Royal London Money Manager, the server on which the Royal London Money Manager is stored or any server, computer or database connected to the Royal London Money Manager. You must not attack us via a denial-of-service attack or a distributed denial-of service attack.

12.2 By breaching this provision, you would commit a criminal offence under the Computer Misuse Act 1990. We will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use the Royal London Money Manager will cease immediately.

12.3 We will not be liable for any loss or damage caused by a distributed denial-of-service attack, viruses or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of the Royal London Money Manager or to your downloading of any material posted on it, or on any website linked to it.


We do not guarantee the suitability of any downloads from the Royal London Money Manager and accept no liability for any problems with your computer that may arise as a result. You accept that you will be solely responsible for any consequences of downloading any material made available through the Royal London Money Manager. If you are not sure about the suitability of any such downloads for your computer, please seek specialist advice before downloading.


The Royal London Money Manager 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.


15.1 We will treat emails and electronic messages you send us as though they were documents sent to us by post. You agree not to contest the validity or enforceability of an email or electronic message you send us. You also agree not to use the absence of a printed or hand written document as reason not to comply with your obligations under these terms of use.

15.2 If you choose to send emails or electronic messages to us, you accept that there can be no guarantee that we will receive your email or electronic message, or that the content of the email or electronic message will remain private or unaltered during its transmission to us. We will accept no liability for any loss or damage you may suffer as a result of this.

15.3 We reserve the right to monitor the use and content of emails and electronic messages which are sent from and received by us for the purposes of ensuring compliance with our own email policy, and identifying and taking action against unlawful or improper use of, or attacks on, our systems.

15.4 Although we scan all emails and electronic messages for viruses, it is never possible to guarantee that our virus-scanning will be completely free of errors. Accordingly, we do not accept any responsibility for any damage caused by a virus or for any alteration made or caused by anyone else, after we have sent you an email or electronic message. We recommend that you employ reasonable virus detection and protection measures when accessing any emails or electronic messages from us.


Login to your Royal London Money Manager and use the online facility to contact us.


We will deal with any complaints in accordance with our Complaints Policy.


18.1 We draw your attention to the following:

(a) the internet may be subject to interruption or failure through no fault of ours;

(b) you are responsible for providing and maintaining the communications equipment (including personal computers and modems) to use the Royal London Money Manager;

(c) we cannot guarantee that the Royal London Money Manager will support all browser types and be fully compatible with your communications equipment; and

(d) you are required to maintain a live email address for receipt of ongoing communications. Please add emails from us to your safe list.


19.1 We may revise these terms of use and introduce changes to our services at any time. Such changes may be caused by changes in legal or other regulatory requirements affecting us, or any system or product development.

19.3 You should check this page from time to time to take notice of any changes we make, as they are binding on you. If you continue to use the Royal London Money Manager after changes have been made, and provided we have told you about those changes, that will mean you agree to be bound by the amended terms of use.


20.1 If we fail at any time to insist upon strict performance of any of your obligations under these terms of use, or if we fail to exercise any of the rights or remedies to which we are entitled under these terms of use, this shall not constitute a waiver of such rights or remedies and shall not relieve you from compliance with such obligations.

20.2 You agree that no joint venture, partnership, employment, or agency relationship exists between you and us as a result of these terms of use or use of the Royal London Money Manager.

20.3 Nothing in these terms of use shall confer, or is intended to confer, on any person or corporation that is not party to these terms of use any benefit or the right to enforce any term of these terms of use.

20.4 The headings will not form part of these terms of use and will not affect their interpretation.


Relevant United Kingdom law will apply to these terms of use and the relevant courts of the United Kingdom will have exclusive jurisdiction over them.

Last updated: 1st April 2015