Terms of Service
How our service works
At YouDrive, you are in charge. We are a service provider, with clever technology, and a network of specialists who cover the full range of needs that you will have during your lifetime.
You decide what you want to do and when. We won’t contact you unless you say you want to kept up to date with something..
YouDrive is a service for registered users that brings together a number of specially created features to meet your everyday needs. It does this by providing you with links to sites which we believe can help you.
You can choose to stay in touch and keep informed with important news and information through our ongoing newsletters, articles, guides, content and regular updates either by email or through our social media feeds.
YouDrive aims to help consumers manage their finances more effectively. We put you in the driving seat when navigating your way around your financial life cycle.
Some important points to know
It’s important you understand the strengths and limitations of our service. As part of registering for our service on our website you are accepting that you have read and understood these Terms of Service.
We provide you with online and telephone (via our third parties) customer support with access to a range of smart services to manage your finances more effectively.
We are here to listen to you, provide great service with unique online tools, and help you to find the best financial products for your needs. We keep it simple and help you to stay in control of your finances.
Our service offering to you does not constitute financial advice. Our call centre staff are not allowed to give advice, but some of our partners are qualified to give financial advice. When using the services provided by our partners, they will provide you with information on their regulatory status and their own terms and conditions.
When you talk to our call centre staff, calls will be recorded and monitored for training purposes. Our customer service staff are not allowed to give advice on specific products and services. They are there to offer guidance around our processes and not give specific guidance on a product or company. They may ask for additional information in order to maintain up to date records.
We often link to other websites, and to a number of specialist partners, but we can’t be responsible for their content. When you leave our Site and are directed to one of our partners, you should always do your own research, read their terms and conditions (which will be different to ours), and ensure their product or service is right for your specific circumstances before proceeding.
The information on this page details our Terms of Service.
Please read this information carefully. If you use our Site as a visitor, and/or register for our service, you will be regarded as having read and accepted these Terms. If you don’t wish to be bound by what you read below, you shouldn’t use our Site or register for our service.
You can navigate to a specific section by selecting the header, however we recommend that you should read all the information.
These Terms are effective as of: 01 October 2018
1.1 – Welcome to YouDrive and our related services (our “Site”). Our Site is owned and operated by YouDrive Limited (‘we’, ‘us’ or ‘our’) and was created in 2015 to address the physical, financial and mental needs of the UK consumer. We are proud to be supported by Local Government, Birmingham City Council.
1.2 – Please read these terms and conditions of use (“Terms”) before using our Site. By using our Site (whether as a visitor or a registered user) you are agreeing to be bound by these Terms. If you don’t wish to be bound by what you read below, you shouldn’t use our Site and services.
1.3 – We may make changes to these Terms at any time. We will let you know what these changes are by posting them to this page, but it is your responsibility as a user to make sure that you are aware of them, by checking for any changes on a regular basis. Changes will become effective as soon as they are posted. If you continue to use our Site after the posting of changes to these Terms, it means that you accept any such changes.
1.4 – Registration
By registering, you certify that all information you provide in the registration is accurate. Users may only maintain one active registration. In other words, it’s one registration per person. By accepting this agreement, you certify that you have no other registration with YouDrive.
You must have a valid email registered with us at all times. If an email that we send to you should bounce for some reason, your account may be temporarily suspended until you contact us with a verifiable address.
You, the end user, agree to provide true, accurate, current and complete information about yourself and you agree to not misrepresent your identity or your account information. You agree to keep your account information up to date and accurate.
Failure to disclose any information or providing inaccurate personal information may result in the product or service you take being invalidated. In the case of an insurance product this may result in a claim not being paid.
1.5 – Access to our Site
Access to our Site is permitted on a temporary basis, and we reserve the right to withdraw or amend the service we provide on our Site without notice. We will not be liable if for any reason our Site is unavailable at any time or for any period.
From time to time, we may restrict access to some parts of our Site, or our entire site, to users who have registered with us.
Our Site is all about providing you with access to unique tools, services and information on a wide range of products, provided by third parties. We provide regularly updated general information, tools and services with articles and information on how to save money. The information that you read on our Site is a great starting point for your further research into what suits your particular requirements. Our call centre team is also there for when you need to speak to someone or need to be pointed in the right direction.
Our information does not constitute any form of financial advice, recommendation, representation, endorsement or arrangement by us and is not intended to be relied upon by you in making (or refraining from making) any specific investment or other decisions. If we mention companies on our Site, we usually do so because of their useful features and benefits, or their attractive pricing. As a general policy we don’t vet them on customer service or investigate their solvency. Given that the impact of any information expressed on our Site can vary widely based on your particular circumstances, you should always carry out your own research into the product that is of interest to you.
5.1 – Our Site does include details on, or links through to, information provided by other websites including our specialist partners. We don’t control the accuracy or completeness of that information. You take full responsibility for using that information and verifying it and for any decision to use, purchase or refrain from purchasing any of the services or products mentioned on a linked site. If you do purchase products or services from another website please read their terms and conditions carefully before deciding to buy or transact. Remember, your contract for those products or services will be with them, not us.
5.2 – When you use other websites, any personal information you give them will be dealt with in line with their privacy policies, not ours, so please read the privacy policies of each and every such website before using them.
5.3 – Some of the links included on our Site may be affiliated links. These are links that take you directly or indirectly to a financial product provider and which may result in us receiving a fee or commission as a consequence of you clicking through to their site or purchasing a product from them.
6.1 – All of the content on our Site is owned by us or our licensors and is protected by English and international copyright laws.
6.2 – Our content includes any information or other material found on staging.youdrivehealth.com or youdrivehealth.org.uk, including tools, posts, articles, databases, graphics, software and all other features of our Site. You are allowed to use our content for personal, non-commercial use only. You may make one copy of extracts from this Site on any single computer for personal, individual use only, provided that all copyright and proprietary notices are kept intact. Apart from that, none of our content may be republished, posted, transmitted, stored, sold, distributed or modified without our prior written consent.
6.3 – The YouDrive brand, logo and livery are owned by YouDrive Limited. All other brand names and trade marks that appear on this Site are trade marks or trade names of their respective holders. No permission is given to use of any of these brands or marks and any such use may constitute an infringement of the holders’ rights.
6.4 – The information provided on our Site, or via links to our Site, is for general information purposes only. It is not, and should not be construed as, financial or other professional advice. You should not rely on the information you find here to inform your decisions; rather, use it as a starting point for doing your own independent research.
6.5 – In the material we make available on our Site, we rely on a wide variety of sources and other websites. We believe these sources of data to be generally accurate and reliable, but sometimes they may not be. YouDrive Limited makes no claims or representations as to the accuracy, completeness, or truth of any material contained on our Site. Nor is YouDrive Limited liable for any errors or delays in the content or transmission of the data on our Site.
7.1 – Our Site and email products may, from time to time, include third-party advertisements. The appearance of an advert does not mean that we endorse the advertiser’s goods or services. While we will not knowingly run an advert that is untrue, YouDrive is not responsible for the accuracy of any advertising material or the usefulness of an advertised product or service.
7.2 – In our various product comparison centres, we may feature a number of providers that have paid YouDrive to promote their services to you. We do not recommend one over another and these areas are not intended to be an exhaustive list of all providers of a particular financial product. It is up to you to decide whether what they offer is right for you. You can find more detailed information about our relationship with our sponsors in the disclosure documents for each of our product comparison centres.
7.3 – Please note that YouDrive has no control over the third party providers listed in our comparison centres. Accordingly, YouDrive Limited specifically disclaims all liability for any damage or costs of any type arising out of or in any way connected with your use of a provider’s service or product included in our product comparison centres.
We encourage debate of the promotion or recommendation of our service between our users, their friends and family. However, we do require that your use of Social Media and any other communication systems that we provide is lawful and in accordance with these Terms and Conditions.
We offer a number of unique tools and services that give you access to transact with a wide range of products including our regular Physical,Financial and Mental Health communications by email and content we provide on our Site. We may also launch new tools and services from time to time (“YouDrive Tools and Services”).
9.1 – Product Comparison service
9.1.1 – The Product Comparison service enables you to compare a wide range of products including credit cards, unsecured loans, current and savings accounts, utilities and mortgages.
9.1.2 – YouDrive has selected Quotezone to provide you with this service. If you subsequently apply for a product using the product comparison service we may both receive a payment, as a fee or commission, from your chosen provider for introducing you to them as a customer.
9.2 – Product Partners
9.2.1 – In addition to the Product Comparison Service, and when you interact with us by telephone, we may suggest that you speak with one of our specialist Product Partners who will be able to assist you further with your product enquiry or need.
9.2.2 – In most cases, and only with your consent, we will transfer you directly to our specialist partner who will continue to discuss your needs and may also provide you with financial advice.
9.2.3 – When you choose to contact one of our Product Partners you will be bound by their terms and conditions which they will explain to you or make available for your acceptance before continuing or transacting into their product offering.
9.2.4 – If you subsequently apply for a product using one of our Product Partners we may receive a payment, as a fee or commission, from your chosen provider for introducing you to them as a customer.
We provide our Site in good faith but we can’t and don’t warrant the completeness, truth or accuracy of the information or other content or postings found on our Site, or their usefulness for any particular purpose. You acknowledge and agree that you bear full responsibility for your own research and decisions and that we shall not be liable for any action that you or others take or don’t take based on your use of or reliance on information provided by us or other users of our Site.
10.1 – Before you apply for any products via our Site and in particular the YouDrive Tools and Services, it is very important you (i) carefully read the terms and conditions of the product, the product provider’s terms and conditions and any other terms applicable to the product; (ii) check all the information held by the product provider about you to ensure it is correct, complete and accurate. It is your responsibility to (i) ensure the product matches your requirements and that you agree to the terms and conditions of the product before you apply for it; and (ii) identify and correct any mistakes or errors in the information about you held by the product provider before you apply for any product. We cannot accept any liability for any loss or damage you may suffer or incur: (i) in the event that any product you apply for does not meet your requirements, or is not suitable for you; or (ii) if any information about you held by the product provider is not correct, complete and accurate; or (iii) if it is misleading, or if you have failed to disclose all relevant facts. If you are in any doubt as to whether any information is relevant or required to be disclosed, or that something may be incorrect, you should disclose it to your proposed provider before you apply for the product.
10.2 – We don’t promise that your access to our Site, or its content will be delivered uninterrupted, timely or error-free, or that the Site will be free from viruses or other harmful properties. It’s your responsibility to implement satisfactory safeguards and procedures to make sure any files you obtain through our Site are free from such contaminations or other harmful properties.
10.3 – The effect of what is set out here is that you agree that under no circumstances will we be held liable for any direct, indirect, incidental or other type loss or injury resulting from your use, or downloading of any content on our Site.
You agree to indemnify, defend and hold harmless us, our directors, officers, employees and licensors from and against any claim, liability, cost, damage or loss we may incur (including reasonable legal fees) as a result of any material that you post or transmit on our Site, Social Media or via any other communications systems, any actions you take which disrupt access to and/or the functioning of our Site or any breach by you of your obligations under these Terms.
These Terms were published on 01 October 2018 and updated in January 2019, and these replace with immediate effect the any previously published Terms.
Our Site is owned and operated by YouDrive Limited
Registered office: 75 Harborne Road, Birmingham, England, B15 3DH
Registered in England & Wales with number 10365681
If you have any questions about our Site or these Terms and Conditions, please contact us by email on [email protected]
We try to provide an excellent service but if things go wrong we will do everything we can to put things right and help you. If you have a complaint please notify us by email to [email protected]
Please mark your communication as a complaint and include your name and address, a contact telephone number and an explanation of why you are unhappy. We will contact you to either resolve your issue or to seek further information if we need it.
In any event we will send a written acknowledgement of your complaint within 5 working days of its receipt and within 8 weeks we will send you a final response or a letter explaining why we have not been able to resolve the issue.
If your complaint is to do with a product you have purchased from a third party referred by us either via the Site or by our contact centre staff then you can complain directly to the provider of the product. We cannot answer complaints or accept responsibility on behalf of a third party provider of a product or service.
Effective: 31 January 2019