Terms

About WiT Access

WiT Access is an informational and comparison website operated by WiT Finance Group.

The site publishes educational content, provider profiles, comparison resources and practical tools covering areas including wealth, banking, payments, mobility, tax, property, insurance and international business services.

Unless expressly stated otherwise, WiT Access does not itself provide the regulated financial, insurance, mortgage, legal, tax or immigration services described on the site.

Information, not advice

WiT Access provides general information and comparison resources only.

Nothing on this website constitutes financial, investment, tax, legal, immigration, insurance, mortgage, property, pension or other regulated professional advice.

Nothing on the site is a personal recommendation, suitability assessment, offer or invitation to enter into a particular transaction unless expressly stated otherwise.

You are responsible for checking the current position and obtaining advice from an appropriately qualified professional before acting on information provided through WiT Access.

Provider comparisons and profiles

WiT Access may publish provider profiles, comparison tables, filters, shortlists and other comparison resources.

These resources are intended to help users understand differences between providers and identify questions to ask.

Provider inclusion does not mean that WiT Access endorses, approves or recommends that provider for any particular person or situation.

Information about provider services, eligibility, minimums, fees, rates, geographic availability, regulatory permissions and product features may change. You should confirm current information directly with the relevant provider before making a decision.

Provider information, pricing and availability

WiT Access may publish information about providers, service features, eligibility criteria, minimums, fees, rates or other terms where that information is publicly available or otherwise properly sourced.

Such information may be incomplete, indicative, delayed or subject to change.

Where prices, rates, fees or minimums are shown, they should not be treated as guaranteed or current unless expressly stated.

You should confirm all material terms directly with the relevant provider before applying, investing, transferring money, purchasing insurance, taking out finance or otherwise entering into a transaction.

Commercial and affiliate relationships

WiT Access may have commercial, referral, affiliate or introducer relationships with some providers featured on the site.

Where applicable, WiT Access may receive a fee, commission or other form of compensation if a user clicks a link, submits an enquiry or becomes a customer of a provider.

Commercial relationships do not determine whether a provider is included editorially and do not mean that a provider is suitable for any particular user.

Where a commercial relationship exists and disclosure is required, WiT Access will identify that relationship appropriately.

Tools and calculators

WiT Access provides calculators, checklists, planners, trackers and other practical tools for illustration, planning and record-keeping.

Tool outputs depend on the information and assumptions entered by the user and may not reflect all factors relevant to a real-world decision.

A calculator result, checklist result, provider shortlist or planning output is not advice, a recommendation, an eligibility decision or a prediction of outcome.

Rules, tax treatment, provider criteria and market conditions can change. You should verify important assumptions independently.

Provider shortlists and filters

Some tools and comparison pages allow users to filter providers based on selected criteria.

These results show providers matching the information or filters entered. They are not personal recommendations and do not mean that a provider is suitable, available or willing to serve you.

Final eligibility, pricing, acceptance and terms are determined by the relevant provider.

Enquiries and introductions

WiT Access may allow users to submit an enquiry or request an introduction to a provider.

Submitting an enquiry does not create an adviser-client, broker-client, insurer-client or other professional relationship with WiT Access.

It does not guarantee that a provider will respond, accept the enquiry or offer any particular product or service.

Where an enquiry is passed to a provider, the provider is responsible for its own advice, onboarding, eligibility assessment, pricing, compliance and customer relationship.

Third-party websites

WiT Access contains links to external provider and third-party websites.

We do not control third-party websites and are not responsible for their content, availability, security, privacy practices, products, services, pricing or terms.

A link does not imply endorsement unless expressly stated.

You should review the third party’s own terms and privacy information before using its services.

Acceptable use

You may use the site for lawful personal or business research purposes.

You may not:

• use the site for unlawful, fraudulent or misleading activity;
• attempt to interfere with the operation or security of the site;
• submit abusive, false or malicious material through forms;
• scrape, harvest or extract substantial parts of the site in a manner that degrades the service or creates a competing database or publication;
• copy, reproduce or republish substantial parts of WiT Access content without permission;
• attempt to bypass technical restrictions or gain unauthorised access to systems or data.

Normal search-engine indexing and ordinary sharing of links are not prohibited by this section.

Intellectual property

Unless otherwise stated, the content and design of WiT Access, including text, comparison structures, databases, graphics, tools, branding and original editorial material, are owned by or licensed to WiT Access.

Provider names, logos and trademarks belong to their respective owners.

You may read, print and share links to WiT Access content for personal or internal business use. You may not reproduce substantial parts of the site for commercial republication or competing services without permission.

Site availability and changes

We aim to keep WiT Access available and up to date, but we do not guarantee uninterrupted access or that all content will always be complete, current or error-free.

We may add, change, suspend or remove content, tools, provider profiles or functionality at any time.

We may also update or correct information without notice.

Liability

WiT Access is provided on an “as is” and “as available” basis.

To the extent permitted by law, WiT Access is not responsible for loss or damage arising from reliance on general information, comparison content, tool outputs, third-party information, provider availability or decisions made using the site.

We are not responsible for the acts, omissions, products, services or advice of third-party providers.

Nothing in these terms excludes or limits liability where it would be unlawful to do so, including liability for fraud, fraudulent misrepresentation or any other liability that cannot legally be excluded.

Your responsibility

You are responsible for checking that information is suitable for your own circumstances and for confirming important facts directly with providers or professional advisers.

You should not rely solely on WiT Access where a decision could have significant financial, legal, tax, immigration, insurance, property or investment consequences.

Regulated services

Some providers featured on WiT Access offer regulated financial, insurance, mortgage, investment or other professional services.

WiT Access does not represent that every provider, product or service is available in every jurisdiction.

Where regulated advice or approval is required, this is the responsibility of the appropriately authorised provider or professional.

Changes to these terms

We may update these Terms of Use from time to time.

The latest version will be published on this page and the updated date will be shown at the top.

Continued use of the site after changes are published means you agree to the revised terms.

Governing law

These terms are governed by the laws of England and Wales.

The courts of England and Wales will generally have jurisdiction over disputes relating to these terms.

If you are a consumer living elsewhere, nothing in these terms removes any mandatory rights or protections you may have under the law of the country where you live.

Contact

If you have questions about these Terms of Use, please contact WiT Access using the contact details published on the website.