Lightbulb Website Terms of Use

This site is owned and operated by MI Money Limited, trading as Lightbulb Loans (“Lightbulb“) a wholly owned subsidiary of Media Ingenuity Holding Limited. In these terms and conditions, “our”, “we”, and “us” refer to Lightbulb.

These terms and conditions govern your use of the website content under the domain name, and other associated URLs (“the Site”) and to any correspondence by email between Lightbulb and you. By using this Site you automatically agree to these terms and conditions of use.

1. Site

1.1. Ownership

All copyright, designs, graphical and text arrangements, logos, trademarks, database rights and any other intellectual property rights in the Site are owned by Lightbulb or licensed to Lightbulb by a third party. You may view, print or copy any part of this Site for your own personal use, but otherwise you are not allowed to copy, reproduce, modify, distribute, republish, display, post or transmit any part of this Site without the written permission of Lightbulb.

1.2. Use

The Site and the products and services offered within it are intended for use and purchase by UK residents only. Applications for products or services from non-UK residents will, unless otherwise stated, not be accepted.

It is your responsibility to ensure that the details you give to us while using this Site are accurate, and that you have sufficient funds to cover the cost of any product or service you purchase.

The Site is intended for your personal non-commercial use only. Interference or entry to the Site with intent to corrupt, damage or deny service from the Site or for commercial benefit is taken seriously and we will take any action necessary to protect the Site from such activities. Damages may not be an adequate remedy for any infringement.

We may send you account log in details to access the products you have purchased through the Site. It is your responsibility to maintain the confidentiality of these details and to restrict access to your computer to prevent unauthorised access to your account. You must inform us immediately if you have reason to believe that your password is being used in an unauthorised manner.

1.3. Access and Liability

We aim to ensure that your access to the Site is uninterrupted and error free. However, on occasion technical matters may arise that are beyond our control. We cannot guarantee the availability of the Site all times, that defects will be remedied, and that the Site, or the server that makes the Site available, are virus free. Occasionally access may be suspended or restricted to enable us to repair, maintain or update the Site.

So as is permitted by law, Lightbulb accepts no liability whatsoever for any damage, either temporary or permanent, occurring to either electronic equipment or software that might occur whilst using the Site and disclaims liability for any loss, wasted expenditure, corruption or destruction of data howsoever caused arising directly or indirectly from the use and content of the Site.

Any information contained within the technical support pages on the Site is for reference purposes only and Lightbulb advises against any individual attempting to service, repair or reconfigure electronic equipment or computer software based on the content of these technical pages unless they are fully qualified to do so.

1.4. Content and Liability

Every effort is taken to ensure the Site is accurate and up to date. However no representation or warranty (whether express or implied) us made as to the accuracy or completeness of the Site and information contained on the Site. The contents of the Site should not be construed as qualified, professional advice and should be used for information purposes only. All liability to you in respect of the Site, its content and your use of the same, are excluded to the fullest extent permitted by law.

This disclaimer does not affect your statutory rights in respect of any products or services that you purchase from the Site.

We aim to correct errors and omissions in the content of the Site as soon as possible. However, on occasion there may be an error in the price or type of product or service shown. In such an event we reserve the right to cancel any contract you may have entered through the Site and offer you a refund.

2. Terms and Conditions of Products and Services

Lightbulb offers a range of products and services for sale on the Site. The products and services are supplied by third party product providers that have agreed to supply products and services to Lightbulb to be sold via the Site. Any contract arising from a purchase made by you exists between you and that product provider rather than between you and Lightbulb. Lightbulb is not responsible for any contract you enter with a third party through the use of the Site.

All products and services offered on the Site are offered and sold subject to individual terms and conditions, in addition to these terms of use. You can view the individual terms and conditions for each product or service on the specific web pages before you decide whether to make a purchase. The individual terms and conditions may vary from time to time and so you should review them each time you use the Site.

You are entirely responsible for deciding whether or not to purchase any of these products or services. Whilst the Site will provide general information about certain products and services we do not provide advice on which product or service you should purchase. If you are unsure whether a product or service offered for purchase on the Site is suitable for your needs or specific requirements please contact the relevant product provider prior to making a purchase. Contact details for all insurers and policies are contained within the individual terms and conditions.

3. External Links

We provide links on the Site to third party websites for your assistance and convenience. When activated, these links take you out of this Site. Lightbulb has no control over these external websites and resources, and we do not recommend or endorse any content, information, products and services provided on these third party websites. We are not liable for any loss or damage that you may suffer by using them.

4. Data Protection and Privacy

Any details which you provide to us from which we can identify you are processed and used in accordance with our privacy policy.

5. Changes to these Terms

We may amend these terms and conditions from time to time without notice to you. Please check this web page regularly to ensure you are aware of any changes as you will be bound by the new terms.

6. Company Details

Email: Contact Us. Registered in England & Wales no: 06967012

MI Money Limited is authorised and regulated by the Financial Conduct Authority. A register of all regulated firms can be visited here:, or contacted on 08456 061 234

7. Governing Law and Jurisdiction

These terms of use are governed and construed in accordance with the laws of England and Wales, and the courts of England and Wales will have exclusive jurisdiction to determine on any dispute between us.

If any provision in these terms and conditions shall be found by any court or administrative body of competent jurisdiction to be invalid or unenforceable for any reason, such provision shall be deemed deleted and will not affect the validity or enforceability of the remaining provisions.