How MoneyNerd works
What does MoneyNerd do?
MoneyNerd publishes general information about money and introduces people to selected providers of financial and other services.
Our website information is free to read. It is general information, not a personal recommendation about what you should do.
MoneyNerd is a commercial business. We earn money through referral and affiliate arrangements with some of the companies featured on our website.
How do our debt introductions work?
MoneyNerd connects you with The Debt Advice Service, a trading name of Pacific Financial Solutions Limited.
MoneyNerd does not provide debt advice or recommend debt solutions.
If you submit our debt enquiry form, we will share your contact details and the answers you provide with The Debt Advice Service so they can contact you about your enquiry.
The Debt Advice Service provides the debt advice. Its advisers can explain the options that may be available and whether any are suitable for your circumstances. We use The Debt Advice Service for debt introductions and do not compare a panel of debt advice providers.
Their debt advice is free. Some debt solutions have fees and may negatively affect your credit rating. You do not have to proceed.
For our debt introduction activities, MoneyNerd Limited (FCA reference number 978681) is an Introducer Appointed Representative of Pacific Financial Solutions Limited, which is authorised and regulated by the Financial Conduct Authority (FCA reference number 688034). MoneyNerd is not authorised by the FCA in its own right.
Looking for free debt advice? Free debt counselling, debt adjusting and credit information services are available. For impartial information and help from not-for-profit debt advice organisations, visit the MoneyHelper free debt advice locator.
Need extra support? If your health, personal circumstances or communication needs make it harder to access debt advice, contact The Debt Advice Service to ask what support is available.
How does MoneyNerd make money?
We do not charge you to use our website or for making an introduction. We may receive payment from a provider or affiliate network when you use a link, make an enquiry or take up a product or service.
Debt introductions
MoneyNerd may receive a referral fee if you go ahead with a debt solution through The Debt Advice Service, such as an individual voluntary arrangement (IVA) or debt management plan (DMP).
The payment depends on the solution and our commercial agreement. This means we have a financial interest in some introductions. It does not mean that a particular solution is suitable for you.
Other products and services
Our other commercial arrangements may include:
| Payment type | How it works |
|---|---|
| Referral fee | We receive an agreed payment when you complete a qualifying action, such as making an enquiry, signing up or taking out a product or service. |
| Commission | We receive a payment linked to a purchase or completed transaction. This may be a fixed amount or a percentage. |
| Click-through payment | We receive a payment when you click a particular link on our website. |
A provider may charge for its products or services. Check its fees, terms and conditions before deciding whether to proceed.
Who does MoneyNerd work with?
We work with the following providers and affiliate networks across our business. The service available depends on the page, link or enquiry form you use.
| Company or brand | Service or relationship |
|---|---|
| Pacific Financial Solutions Limited, trading as The Debt Advice Service | Debt advice and debt solution services. |
| Loans Warehouse Limited | Credit broker providing access to lending products. |
| Age Partnership Limited | Equity release and mortgage advice. |
| Impact Radius Limited (impact.com) | Affiliate platform through which we feature offers from Wise and JustAnswer. |
| Seopa Limited, trading as Quotezone.co.uk | Insurance comparison services. |
An affiliate network helps connect us with advertisers and manages referral tracking and payments. It does not necessarily provide the product or service itself.
Being listed here does not mean a company receives your debt enquiry. Debt enquiries submitted through our debt enquiry form are passed to The Debt Advice Service.
How do we use your data?
MoneyNerd Limited uses personal information to handle enquiries, make introductions, operate our website and meet our legal obligations.
When you submit a debt enquiry, we share the details you provide with Pacific Financial Solutions Limited, trading as The Debt Advice Service. For other enquiries, the relevant form or service explains who will receive your information.
We may use suppliers to support functions such as website hosting, IT and email delivery. We may also share information where necessary to meet legal or regulatory obligations or deal with a complaint.
Providers you are introduced to may be responsible for their own use of your information under their privacy policies. They do not necessarily act only on MoneyNerd’s instructions.
For more information about how we collect, use, store and share personal information, and your rights, please read our privacy policy.
How can you stop receiving marketing emails?
You can unsubscribe from MoneyNerd’s marketing emails using the unsubscribe link in an email, by replying to ask us to stop, or by emailing [email protected].
Unsubscribing from MoneyNerd does not automatically change your preferences with another provider. To stop marketing from that provider, use its unsubscribe option or contact it directly.
How can you contact us?
For questions about MoneyNerd or a complaint about our service, email [email protected].
For questions about your personal information or to exercise your data protection rights, email [email protected]. You can also write to MoneyNerd Limited, The Grange, Grange Road, Malvern, WR14 3HA.
We respond to data-rights requests without undue delay and normally within one month. If the law allows us to extend that period, we will explain why and tell you the revised deadline within the first month.
You also have the right to complain to the Information Commissioner’s Office.
For a complaint about debt advice or a service provided by The Debt Advice Service, see its complaints procedure.