Legal
Terms of use
By reading Smart Observer you agree to these terms. If you do not agree with them, please do not use the site.
Who we are
Smart Observer is published by MEDIA MONZA LIMITED, company number 16337733, registered office Room 73, The Mansion House Wrest Park, Silsoe, Bedford, England, MK45 4HR.
General information only
Our articles are general information written for readers. They are not financial, tax, legal or career advice, and they do not take your personal circumstances into account. Please think about your own situation, and speak to a qualified adviser where it matters, before you act on anything you read here.
Third-party providers and links
Our articles may describe third-party services and link to their own sites. Those services are run by the providers, who set their own terms, eligibility rules, requirements and pay. We are not a party to any agreement between you and a provider, and we are not responsible for a provider’s site, service or decisions. Provider details in our articles were last checked on 29 September 2026 and may change on the provider’s own site. How we are funded is explained in the affiliate disclosure.
Accuracy
We take care to describe providers accurately using the details they publish, but we cannot promise that every detail is complete or current. Nothing on this site is a promise of income; see the earnings disclaimer.
Intellectual property
The text, design and layout of Smart Observer belong to MEDIA MONZA LIMITED or its licensors. You may read the site and share links to it, but you may not copy, republish or sell its content without our written permission.
Acceptable use
You must not misuse the site, for example by trying to interfere with its operation, scraping it at a scale that affects other readers, or presenting our content as your own.
Our liability
To the fullest extent the law allows, MEDIA MONZA LIMITED is not liable for any loss that arises from relying on the site or from using a third-party service we describe. Nothing in these terms limits any liability that cannot be limited by law.
Changes
We may update these terms from time to time. The date at the top shows when they were last changed, and continued use of the site after a change means you accept the updated terms.
Governing law
These terms are governed by the laws of England and Wales, and the courts of England and Wales have jurisdiction over any dispute, subject to any rights you have under the law where you live.
Contact
Our postal details are on the contact page.