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Our Mission & Disclaimers

The Money Bag is a UK oriented personal finance information and discussion site. We aim to provide friendly and lively debates on money subjects so that you can learn more about how to manage your finances better.

This site is for personal use only - all automated or corporate use is forbidden and unauthorised.

The object of the site is to provide some background facts, but really to let people help themselves and others by sharing information and their experiences, great or small!

"Moderator" users are here to keep the debates on track - but the main input comes from you - the ordinary users! We have some very knowledgeable contributors, as well as beginners.

We began with the "carpetbagging" of mutual Building Societies and Life Assurers but we haved moved on from that to cover all personal finance issues now.

We have a resident IFA who can answer basic questions in the forum provided, or deal with complex issues by Email or private message. Free feel to contact him anytime.

We also have forums covering Stockmarket investments, special offers of any kind and sporting bets. For anything else see the "Misc" section which also is for humour!

We are not authorised to offer personal financial advice on the web site. All opinions shown are general comments and are not to be taken as personal financial advice. You must consult an IFA in person for actual advice on any investment.

Please ask questions in the discussion forums unless they relate to your site access or to the site contents. There may be a delay in responding. This web site is based in the USA. See the home page for contact details.

Access is solely at our discretion and may be terminated any time without warning. These rules also apply to any private messages sent using this site.

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Please note that the site has guidelines about user content:

No mention of dishonest ideas.
No defamatory remarks (libel).
No racial, sexual or other abuse.
Nothing unethical or indecent.
No unauthorised advertising.
No unauthorised access.

Any such access will be charged for at our discretion and is an offence under the Computer Misuse Act 1990. Any "banned" individuals are also not authorised users. Logins are required for each visit.

Please keep your postings in the correct forum. Please read the additional site disclaimers before proceeding. By registering you accept all the terms here. You may not store or spider any information without written permission.

All pages are copyright and by posting messages you grant us a right to publish them worldwide.

We cannot monitor posts in real-time. However if you object to anything on this site - please contact us and we will try to deal with it as soon as possible.

Our policy is always to act with consideration for other people, sites and businesses and we will endeavour to respond to any complaints in a helpful manner.

This site is operated independently and is not associated directly with any advertiser that may appear on the site. We must disclaim any responsibility for all user-contributed content as we cannot excersize editoral control over the messages posted by our users (including moderator users).

Limitation of liability - In no event shall The Money Bag be liable for any indirect, special, incidental or consequential damages, including, without limitation, damages for loss of goodwill or any and all other commercial damages or losses, even if advised of the possibility thereof, and regardless of whether any claim is based upon any contract, tort or other legal or equitable theory, relating or arising from the comments on this site.