Website terms of use
Last updated: July 2026.
Unbiased.co.uk (the "Website") is operated by Unbiased Ltd, a company registered in England (company no. 06775878) whose registered office is at 32-38 Saffron Hill, London EC1N 8FH. In these Terms, "Unbiased", "we", "us" or "our" means Unbiased Ltd, except where these Terms expressly refer to Unbiased Group Services Limited or another group company.
The Website provides general information, editorial and educational content only. Nothing on the Website constitutes financial, legal, tax, investment or other professional advice. Unbiased Ltd does not provide advice, undertake regulated activities, or act as an introducer. Lead generation, introducer activities and financial promotions are undertaken by Unbiased Group Services Limited (FRN 980150). Unbiased Group Services Limited is an appointed representative of Richdale Brokers and Financial Services Ltd (“Richdale”), who is authorised and regulated by the Financial Conduct Authority under FRN 769876.
Unbiased Group Services Limited may introduce consumers to firms providing mortgage, insurance, investment, pension and other financial services. Any advice or regulated service will be provided by the firm or adviser to whom you are introduced. Not all introductions, products or services are FCA regulated. Where they are not, you will not benefit from the protections of the Financial Ombudsman Service or Financial Services Compensation Scheme. Unbiased Group Services Limited may receive a fee, commission or other commercial benefit in connection with introductions and resulting business.
Neither Unbiased Group Services Limited, Richdale nor any of their affiliates or group companies provides any advice or makes any recommendations in relation to any investment on the Website.
These Terms of use govern the access to and use of our Website by each visitor to the Website ("you" or “your"). If you do not agree to be legally bound by these Terms, then you must not use our Website. If you are not 18 years old or over, you should not use our Website. We reserve the right to revise these Terms of Use from time to time where we have a valid reason to do so, including to reflect changes in law, regulation, our services, our business structure, or our operational requirements. Where we make material changes, we will provide you reasonable advance notice by posting a notice on our Website or, where we hold your contact details, by email. We will indicate the date on which changes take effect. If you do not agree to the revised Terms, you should stop using our Website. By continuing to use our Website after changes take effect, you will be bound by the revised Terms.
Your attention is drawn in particular (without limitation) to the sections headed "General disclaimer", "Specific disclaimers" and "Exclusion of liability".
Access to the Website
If the need arises, we may suspend access to the Website, on a temporary or permanent basis, including if you breach these Terms, where we need to maintain security, or where we need to revise the content or operation of our Website. Where reasonably practicable, we will give notice before any material suspension, withdrawal or reduction on the Website service. We will not be liable if, for reasons outside our reasonable control, our Website is unavailable at any time or for any period.
Service Description and Matching
Our Website provides a comparison and matching service that connects consumers with Professional Advisers. When you submit an enquiry, we may share your information with one or more advisers from our network who we determine may be suitable for your needs. We do not provide financial, legal, tax, or other professional advice ourselves. All advice is provided directly by the advisers you connect with, and you should verify their credentials and suitability before engaging their services.
No Guarantee of Match or Outcome
We do not guarantee that we will be able to match you with an Adviser, that any Adviser will accept your enquiry, or that you will enter into any transaction or receive any advice. The availability of advisers depends on factors including your location, the type of advice you seek, and adviser capacity.
Automated Matching and Limitations
Our matching service uses automated systems to connect you with advisers based on the information in your enquiry, such as advice type and location. While we use reasonable efforts to ensure suitable matches, we do not warrant that the matching algorithm will always identify the most suitable adviser for your circumstances. Our automated matching does not involve solely automated decision-making that produces legal or similarly significant effects on you within the meaning of Article 22 of the UK GDPR; any matching decision that significantly affects your access to services is subject to meaningful human involvement. You should assess any adviser's suitability before engaging their services.
Links to Other Sites
Certain links, including hypertext links, on our Website may take you outside our Website. Such links are provided for your convenience and information only and inclusion of any link does not signify express or implied endorsement or approval by us of the linked site, its operator or its content. We are not responsible for the content of any linked Website and accept no responsibility for any errors, omissions or misleading statements on any such linked site or for any loss or damage that may arise from your use of the same.
Advertising
Our Website contains advertising content. Any such advertisers are solely responsible for ensuring that all material included in our Website is accurate and up to date and complies with all applicable laws, regulations and codes of practice. If you visit the Website of one of our advertisers, you should also view their own applicable privacy statements or other relevant terms and conditions.
Reviews and Feedback
We may invite you to provide feedback or reviews about your experience with advisers connected through our platform. Any reviews you submit may be shared with the relevant Adviser and displayed on their Unbiased profile. We process this information under our legitimate interests in maintaining service quality and platform transparency. You will not be publicly identified without your explicit consent. We reserve the right to moderate or remove reviews that breach our community standards or applicable laws. By submitting a review or feedback, you grant us a worldwide, royalty-free, non-exclusive licence to use, reproduce, display and share that review or feedback for the purposes of operating, promoting and improving the Website and our services. You confirm that your review is genuine, accurate, not misleading, and based on your own experience. We may reject, remove or amend reviews where we reasonably consider that they are fake, incentivised without appropriate disclosure, defamatory, unlawful, abusive, irrelevant, or otherwise inconsistent with our review standards or applicable law.
Acceptable Use of Our Website
You agree to abide by all applicable laws, regulations and codes of conduct in force from time to time in respect of your use of our Website. You must not misuse our Website 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 our Website, the server on which our Website is stored or any server, computer or database connected to the Website. You must not attack our Website via a denial-of-service attack or a distributed denial-of-service attack or in any other way interrupt or attempt to interrupt the operation of our Website.
You cannot use the Website to create, check, confirm, update or amend your own or someone else's databases, records, directories, customer lists, mailing or prospecting lists (data mining). You may not use the functionality within the Website to contact advisers for your own commercial purposes. You may find that you are blocked from using the Website if you appear to us to be contravening these terms. If you are blocked from the Website, you will receive a message displayed on screen informing you that you are blocked. If you believe that you have not been misusing the Website, you should email [email protected] to request that the block be removed, but the decision to remove any block will be at our sole discretion.
No Commercial Use
Except as provided below and subject always to the section below headed "Intellectual property rights", you agree that you will use our Website only for your personal or internal business purposes and that you will not use our Website or any of its contents for any commercial purpose.
The ‘advertise with us’ section of the Website is only available to you if you are a professional adviser eligible to advertise with Unbiased Ltd. Full Terms and Conditions for placing an advertisement can be found in the relevant section of the Website.
Use of Your Information
You agree that we may collect, store, and use information about you in accordance with our Privacy Policy and these Terms of use. You acknowledge and agree to be bound by the terms of our Privacy Policy and these Terms of use as amended from time to time. You warrant that all data provided by you is accurate.
Data Protection and Privacy
Your use of our Website involves the collection and processing of personal data. We handle your information in accordance with our Consumer Privacy Policy, and, where you access the Website as a registered Adviser, our Adviser Privacy Policy. Please read those policies alongside these Terms. We may use cookies and similar tracking technologies in accordance with our Cookie Policy. Non-essential cookies will only be used where you have given any consent required by applicable law.
Communications and Call Recording
We may contact you via email, telephone, SMS, or WhatsApp for service-related matters including enquiry updates, appointment reminders, document requests, and resolution confirmations. We do not send marketing communications via WhatsApp without your separate explicit consent, and we will not request sensitive personal information (such as full financial details, passwords, or authentication codes) via WhatsApp. WhatsApp communications may involve transfers of data outside the UK and EEA to Meta Platforms, Inc. (a US company). Where required, appropriate transfer safeguards will be used as described in our Privacy Policy. You may request to communicate via an alternative channel at any time by contacting us at [email protected] or by replying directly to any WhatsApp message with your preference. Calls and chats with our support team may be recorded and may be transcribed using automation tools for quality assurance, training, and compliance purposes. Transcripts are reviewed by authorised staff and are not used for automated decision-making without human oversight. You will be notified at the start of any recorded call.
Session Resume and Re-engagement Communications
Where you begin but do not complete an enquiry or matching process on our Website (“Abandoned Session”), we may send you a follow-up email containing a personalised link that, when followed, returns you to the specific step in the process at which you stopped (“Deep-Link Resume”). This link may also pre-populate the information you previously entered so that you do not need to re-enter it.
To enable this functionality, we temporarily retain the inputs you provided during your Abandoned Session, including any information submitted in connection with your Unbiased Score or other pre-qualification steps, for a period of up to 96 hours from the date of abandonment. This data is stored securely and used solely for the purpose of facilitating session resumption and improving the continuity of your experience. It will not be used for any other purpose without your consent, except as otherwise described in our Privacy Policy.
Re-engagement emails of this nature are sent as part of our service communications. You may opt out of receiving such emails at any time by following the unsubscribe instructions contained in the email or by contacting us at [email protected]. Opting out will not affect your ability to continue or complete an enquiry by visiting our Website directly. The legal basis for processing your data in this context is our legitimate interest in assisting you to complete your enquiry and in improving conversion outcomes on our platform, balanced against your right to privacy. You may object to this processing at any time by contacting us at [email protected].
General Disclaimer
We provide the Website and its content on an 'as is' and 'as available' basis and give no representations, guarantees or warranties of any kind, whether express or implied, with respect to the Website or its contents or that its operation will be virus free or uninterrupted. In particular, without limitation, we give no representation or warranties about the accuracy, completeness, or suitability for any purpose of the information published on our Website. The information available on the Website is intended for general information purposes only and sets out our understanding of any chosen subject matter at the time of first publication. It is not intended to constitute advice or guidance upon which you may rely and is not a substitute for professional, financial, care, legal or tax advice based on your personal circumstances.
All users are advised to seek independent professional advice before acting on anything contained on our Website. The information:
may be incorrect or out of date; and/or
may not constitute a complete or definitive statement of the law or any tax issues.
Any financial promotions issued by Unbiased Group Services Limited have been approved for the purposes of section 21 of the Financial Services Market Act 2000 by Richdale.
Specific Disclaimers
Without prejudice to the "General disclaimer" in the above section, information contained in the professional advice search services has been provided by each of the professional advice advisers. The information is directed only at persons in the UK. Although we require professionals to provide relevant membership or registration details and may carry out checks against applicable public registers, it is not practicable for us to independently verify all data provided by professional advisers. We do not endorse or approve any of the professional advisers listed in the directories or any information or advice that they may provide, and we accept no responsibility in respect of the same. Accordingly, it is your responsibility to satisfy yourself that the adviser you see is independent for the business you are transacting. Any decision to transact business with an adviser is made by you on the basis of your own enquiries.
Exclusion of Liability
Your use of our Website, and of any links to third party sites, is at your sole risk. Subject to the paragraph below, and to the fullest extent permitted by law, neither we nor any of our directors, employees, or other representatives will be liable for any indirect, consequential, or incidental loss or damage arising out of or in connection with your use of the Website or reliance on any information available on the Website or any third party site linked to the Website, including without limitation loss of data, income or profit, or loss of or damage to property. Where you are a consumer (within the meaning of the Consumer Rights Act 2015), we do not exclude or limit our liability for direct loss or damage caused by our breach of contract or negligence to the extent required by law.
Notwithstanding the foregoing, none of the exclusions and limitations contained above affects any statutory rights you may have as a consumer or our liability for:
death or personal injury resulting from our negligence or that of our employees or agents;
fraud or fraudulent misrepresentation; or
any other matter which cannot be excluded or limited.
We will not be liable for any failure or delay in performing our obligations where such failure or delay results from any cause beyond our reasonable control, including but not limited to acts of God, pandemic, cyber-attacks, internet outages, third-party service failures, or government requirements.
To the extent permitted by law, if you are using the Website in a business capacity, you agree to indemnify and hold harmless Unbiased, its directors, employees, and agents from any claims, losses, damages, costs, or expenses (including reasonable legal fees) arising out of your material breach of these Terms or your unlawful use of the Website. This indemnity does not apply where you are using the Website as a consumer within the meaning of the Consumer Rights Act 2015.
Intellectual Property Rights
Except for any content contained within advertisements placed on the Website by professional advisers, we are the owner or the licensee of all intellectual property rights (including without limitation copyright, and registered and unregistered trade marks and designs) in our Website and in the material published on it, including without limitation all copyright in the design, text, graphics software and other material on the Website and the selection or arrangement thereof. Permission is granted to electronically copy and print in hard copy extracts from our Website for your personal reference solely in connection with the acquisition of goods or obtaining information through the Website. Any other use of materials on the Website (including without limitation use or reproduction for purposes other than those set out above and any alteration, modification, distribution, or republication of materials) is strictly prohibited without our prior written permission.
Where our advertisers have included intellectual property such as trademarks and logos within their own advertisements placed on the Website, they have warranted to us that they are the owner or licensee of such intellectual property. If you believe that your intellectual property rights are being infringed by the content of any of the advertisements on the Website, you should address such matters to the advertiser in the first instance.
We are the proprietor of the Independent Financial Adviser (IFA) logo which is a registered trade mark (text and logo) in the UK, as well as other registered trademarks. With the exception of any content within advertisements placed on the Website by professional advisers, all other trademarks, product names and company names or logos used on our Website are the property of us or our licensors. No permission is given by us in respect of the use of any such trade marks, get-up, product names, company names, logos or titles and such use may constitute an infringement of our or our licensors' rights. IFAs who are registered on our Website have a limited non-exclusive licence to use the IFA logo as set out in the terms and conditions for advertising services.
Severability and Third-Party Rights
If any provision of these Terms is found to be unenforceable or invalid, that provision shall be deemed deleted and the remainder shall continue in full force and effect. No person who is not a party to these Terms shall have any right under the Contracts (Rights of Third Parties) Act 1999 to enforce any of its terms.
Governing Law and Jurisdiction
These Terms of Use are governed by the law of England and Wales. The courts of England and Wales shall have exclusive jurisdiction in respect of these Terms and their subject matter, except that if you are a consumer resident in Scotland or Northern Ireland, you may also bring proceedings in the courts of the part of the United Kingdom in which you live and nothing in these Terms affects any mandatory rights you have under applicable consumer law.
Concerns and Complaints
If you have any concerns about material which appears on our Website, please see the Contact Us section on our Website. If you require these Terms in an alternative format or need additional support when contacting us, please let us know at [email protected]. If you wish to make a complaint about our services, please contact us at [email protected] or write to our Data Protection Officer at Unbiased Ltd, 32-38 Saffron Hill, London EC1N 8FH. You have the right to make a complaint to the Information Commissioner's Office (www.ico.org.uk), though we would appreciate the opportunity to address your concerns first.