Terms and Conditions

How Scrimpr works and what we are each responsible for.

Last updated: 6 April 2026

Contents

    About These Terms & Conditions

    These Terms & Conditions explain how Scrimpr works and what you can expect when you use the site or my services. I’ve written this in plain English to make it actually readable.

    What Scrimpr does: I develop comparison tools and write guides to help people make better financial decisions. Scrimpr is my home for these tools. I’ve built all of them myself – from the GPT search engine to the cashback comparison system. If you’ve been here long enough, you will have seen how they have developed over time. I also offer a direct debit service that allows people to support my work.

    Age requirement: You must be at least 18 years old to use the direct debit service. All other site content is available to anyone.

    Key point: These terms cover both the free comparison tools that most people use, and the optional direct debit support service. The direct debit section appears later in this document if you’re interested in supporting the site.

    Financial Information & Disclaimers

    I’m Not a Financial Advisor

    All information on Scrimpr is for educational and comparison purposes only:

    • General information only: I provide guides and comparisons, not personal financial advice
    • Not regulated: I’m not a financial advisor and not regulated by the FCA
    • Your responsibility: All financial decisions are your own responsibility
    • Seek professional advice: For personal financial advice, consult a qualified, FCA-regulated financial advisor

    About Information Accuracy

    I work to keep information current, but offers and rates change constantly:

    • Regular updates: I update comparison tools daily where possible
    • Information changes: Rates, terms, and offers change frequently without notice
    • Verify independently: Always check current terms on provider websites before applying
    • No guarantees: I cannot guarantee the accuracy of all third-party information
    Important: Always verify current terms and eligibility criteria directly with providers before making any financial commitments.

    My Comparison Tools

    How They Work

    My tools pull data from multiple sources to help you find the best deals:

    • Automated collection: I use automated systems to grab rate and offer data
    • Daily updates: Most tools update daily, though some sources are slower
    • Reasonable efforts: I make reasonable efforts to keep things accurate but I can’t promise perfection
    • Spot something wrong: If you notice incorrect data, email me at hello@scrimpr.co.uk

    How to Use Them Properly

    • Starting point: Use my tools to get an idea of what’s available
    • Check directly: Always verify on the provider’s website before applying
    • Read the fine print: Terms and conditions matter – don’t skip them
    • Ask questions: If you’re unsure about something, ask the provider directly

    Using Scrimpr

    What You Can Do

    Scrimpr is free to use for personal research and money-saving:

    • Use the comparison tools: That’s what they’re for
    • Read the guides: Learn about money-saving opportunities
    • Support my work: Through the direct debit service if you find the site useful
    • Share links: Tell people about pages you found helpful

    Commercial Use & Copying

    Please don’t copy my work for commercial purposes:

    • My comparison tools: Don’t scrape the data or copy the systems for your own commercial website
    • My content: Don’t republish my guides or tool results on your own money-making site
    • Ask first: If you want to use my work commercially, drop me an email to discuss

    How It Works

    Most links on Scrimpr are affiliate links. Here’s how it works:

    • I get paid: If you sign up through my links, I might get a commission
    • You don’t pay extra: It doesn’t cost you anything – the price is the same
    • Often you get a better deal: My affiliate links give you the standard offer or better, never worse than going direct
    • I’m transparent about it: I disclose affiliate relationships on pages where it’s relevant
    How I keep the site running: This is how I pay for hosting, tools, and my time without charging you to use the site. It’s the same model Money Saving Expert uses. I provide accurate information about services, but you make your own decisions.

    Third-Party Services

    When you click my links, you’re dealing with other companies, not me:

    • Their rules: Each service has their own terms, privacy policies, and customer support
    • Not my responsibility: I’m not responsible for their service quality, payment policies, or changes to their offers
    • You deal with them: Your account and any issues are between you and them
    • Check before you sign up: Always read their terms first

    My Content and Intellectual Property

    What’s Mine

    • The guides and reviews: I write them, so they’re mine
    • The comparison tools: I built them, including all the algorithms and data processing
    • Site design: The look, layout, and user interface
    • How I present data: The way I organize and display comparison information

    What You’re Welcome to Do

    • Link to my pages: Share links on social media or your website
    • Quote small bits: Use short quotes with proper attribution for discussion
    • Personal use: Use my content to help with your own financial decisions

    What You Can’t Do

    • Copy everything: Don’t republish my guides, tools results, or large chunks of content
    • Commercial use: Don’t use my content or data for your own money-making website
    • Remove my name: Don’t take off my branding or pretend you created my work

    The Scrimpr Direct Debit Service

    What the Service Is

    My direct debit service lets you support my work through a genuine recurring payment. You can use this support service for any personal financial requirements you might have.

    • The options: 50p, £1, or custom amount, taken monthly
    • What it does: Creates a legitimate direct debit from your account to support the site
    • What you get: The knowledge you’re supporting independent financial comparison tools
    • When to cancel: Anytime you no longer want to support the site
    What this isn’t: This isn’t a subscription service or product. You’re simply choosing to support my work through a recurring payment that happens to be structured as a direct debit. How you use this service for your personal financial planning is entirely your choice.

    How Payments Work

    All payments go through Stripe (they handle the bank details securely) and you’re protected by the UK Direct Debit Guarantee:

    • When it’s taken: Monthly, on whatever date you sign up
    • First payment: Usually takes 5-7 business days to go through
    • You’ll know in advance: I’ll let you know before taking each payment
    • If I need to change anything: You’ll get at least 10 working days notice (that’s the law)
    • If a payment bounces: I might try once more and will email you about it

    How to Cancel (It’s Easy)

    You can cancel anytime – it’s your legal right. Here’s how:

    • Through your bank: Just cancel it in your banking app, on their website, or phone them
    • Using my form: Fill in the cancellation form on my site (just do it at least 3 working days before your next payment)
    • Email me: Drop me a line at hello@scrimpr.co.uk if you need help
    How bank cancellation works: When you cancel through your bank, they don’t immediately tell Stripe. So you might get one more email from Stripe saying a payment is due, but your bank will block it and then Stripe updates everything as cancelled. It’s normal.

    Your Rights Under the Direct Debit Guarantee

    The UK Direct Debit Guarantee protects you if anything goes wrong:

    • Immediate refunds: If I mess up and take money on the wrong date or wrong amount, your bank refunds you straight away
    • Advance warning: I have to tell you before making any changes
    • Cancel anytime: You can always cancel by telling your bank
    • Disputes: If there’s a problem, talk to your bank first – they’ll sort it

    What I Can’t Control

    • Processing speed: I aim for 5-7 days but banks sometimes take longer
    • Account issues: Some account types don’t accept direct debits – that’s between you and your bank
    • Technical issues: Occasionally Stripe or banking systems have temporary problems
    • Personal circumstances: How you choose to use this service for your financial requirements

    How Scrimpr Tracks Site Usage

    Scrimpr uses its own self-hosted analytics system to understand how the site is used. This is separate from Google Analytics and is designed to be privacy-focused:

    • What’s tracked: Pages viewed, links clicked, country (from IP lookup – IP is not stored), device type
    • Anonymous visitor IDs: A random UUID stored in a cookie – no connection to your identity
    • Data stays on Scrimpr’s servers: Not shared with any third party
    • Automatic deletion: Raw visitor data is deleted after 90 days
    • Why: To understand which tools and guides are most useful, and to improve the site

    Full details of all cookies used are in the Cookie Policy.

    What I’m Responsible For (And What I’m Not)

    Things I Take Responsibility For

    • Providing the direct debit service: Setting up and maintaining the service as described
    • Your data: Protecting your personal information as outlined in my privacy policy
    • Being transparent: Clearly explaining how my services and tools work
    • Reasonable efforts: Making reasonable efforts to keep information current and tools functioning

    Things I Can’t Be Responsible For

    • Third-party services: Issues with companies you sign up to through my affiliate links
    • Market changes: Changes to rates, offers, terms, or availability of deals
    • Your decisions: Financial or other choices you make based on information from this site
    • Technical issues: Temporary site downtime, tool malfunctions, or third-party system problems
    • Information accuracy: Errors in data provided by external sources
    • External factors: How third parties process your applications or handle their services
    • Personal circumstances: How you choose to use any services or information
    Reality check: I’m a one-person operation doing my best to provide useful tools and accurate information. I can’t control everything that might go wrong with other companies or guarantee that financial markets won’t change.

    Limitation of Liability

    To the fullest extent permitted by Scottish law, my total liability for any issues with the direct debit service is limited to the total amount you have paid me for that service. I cannot be held liable for any indirect losses, consequential damages, or claims exceeding this amount.

    When Things End & Getting in Touch

    When Your Direct Debit Service Ends

    Your direct debit stops when:

    • You cancel it: Using any of the methods I described above
    • Payments keep failing: If your payments bounce repeatedly, I might cancel it
    • You break the rules: If you violate these terms, I can terminate your service
    • I stop offering it: If I decide to stop running the direct debit service entirely

    Changes to These Terms

    I might need to update these terms occasionally:

    • Legal stuff changes: New regulations or compliance requirements
    • I add new features: New tools or services that need explaining
    • Things need clarifying: If people ask questions that show the terms aren’t clear enough

    Big changes will be noted at the top of this page with the date. If you’re using my direct debit service and changes affect how payments work, I’ll email you directly.

    Dispute Resolution

    If you have a complaint about my service:

    • Contact me first: Email hello@scrimpr.co.uk with “Complaint” in the subject line
    • I’ll respond quickly: Within 7 days for service complaints
    • If not resolved: You can pursue the matter through Scottish courts if needed

    Get in Touch

    Questions about these terms or need help?

    Email: hello@scrimpr.co.uk

    Subject line: Use “Terms Question” or “Direct Debit Help” so I spot it quickly

    Response time: Within a week for general questions, much faster if it’s about payment issues

    Additional Legal Terms

    Severability

    If any part of these terms is found to be invalid or unenforceable, the rest of the terms remain in full effect.

    No Waiver

    If I don’t enforce any part of these terms in one situation, that doesn’t mean I’m waiving my right to enforce them in future.

    Force Majeure

    I’m not liable for delays or failures in service due to circumstances beyond my control (like natural disasters, government actions, or major technical outages affecting third-party systems).

    Legal Jurisdiction

    These terms are governed by Scottish law. If we end up in a dispute (hopefully not), it’ll be sorted out in Scottish courts.

    I’ve written these terms in plain English because nobody needs more legal jargon in their life. If something’s not clear or you have suggestions, drop me a line at hello@scrimpr.co.uk