Website terms & conditions
Information about us
Accessing our site
From time to time, we may restrict access to some parts of our Site, or our entire Site, to users who have registered with us.
When using our Site, you must comply with the provisions of our acceptable use policy.
You are responsible for making all arrangements necessary for you to have access to our Site. You are also responsible for ensuring that all persons who access our Site through your internet connection are aware of these terms, and that they comply with them.
Intellectual property rights
You may print off one copy, and may download extracts, of any page(s) from our Site for your personal reference and you may draw the attention of others within your organisation to material posted on our Site.
You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text.
Our status (and that of any identified contributors) as the authors of material on our Site must always be acknowledged.
You must not use any part of the materials on our Site for commercial purposes without obtaining a license to do so from us or our licensors.
Reliance on information posted
Our site changes regularly
- All conditions, warranties and other terms which might otherwise be implied by statute, common law or the law of equity.
- Any liability for any direct, indirect or consequential loss or damage incurred by any user in connection with our Site or in connection with the use, inability to use, or results of the use of our Site, any websites linked to it and any materials posted on it, including, without limitation any liability for:
- loss of income or revenue;
- loss of business;
- loss of profits or contracts;
- loss of anticipated savings;
- loss of data;
- loss of goodwill;
- wasted management or office time; and
- for any other loss or damage of any kind, however arising and whether caused by tort (including negligence), breach of contract or otherwise, even if foreseeable, provided that this condition shall not prevent claims for loss of or damage to your tangible property or any other claims for direct financial loss that are not excluded by any of the categories set out above.
This does not affect our liability for death or personal injury arising from our negligence, nor our liability for fraudulent misrepresentation or misrepresentation as to a fundamental matter, nor any other liability which cannot be excluded or limited under applicable law.
Information about you & your visits to our site
We will use the information provided to us, namely from your application and publicly available information, in order to contact you throughout the loan process, including but not limited to underwriting, collections and promotions.
Transactions concluded through our site
You agree to provide us with all relevant proof of identification that we reasonably request, including proof of identity and proof of nominated bank current account and associated debit card. We may place a £0.00 charge on the debit card(s) linked to your account in the following circumstances: (i) prior to you entering into an agreement with us; (ii) prior to an instalment becoming due; or (iii) upon debit card details being updated on the account.
For information regarding religious views on charging and paying interest please click here.
Upon each occurrence of one of the following events, you must pay us the following fees (which we will debit your facility with us automatically):
(a) £30.00 if We do not receive your minimum monthly payment on time; (b) 0% of the principal drawn down each time a new drawing is made (we will remind you of this each time you apply for a drawing); (c) all reasonable internal management and administrative costs we incur in responding to and dealing with your enquiries relating to the administration of your Facility; (d) all reasonable costs and expenses we or our agents incur in trying to recover payment from you; and (e) if you fail to make a monthly payment or pay any other amount on time, you must pay default interest on the unpaid amount from time to time until such amount is paid, calculated daily at the Rate of Interest stated on your loan agreement (as varied from time to time). Default interest will be charged both before and after any court judgment we may obtain.
Viruses, hacking & other offences
By breaching this provision, you would commit a criminal offence under the Computer Misuse Act 1990. We will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use our Site will cease immediately.
We will not be liable for any loss or damage caused by a distributed denial-of-service attack, viruses or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of our Site or to your downloading of any material posted on it, or on any website linked to it.
Linking to our site
You must not establish a link from any website that is not owned by you.
Our Site must not be framed on any other site, nor may you create a link to any part of our Site other than the home page. We reserve the right to withdraw linking permission without notice. The website from which you are linking must comply in all respects with the content standards set out in our acceptable use policy
If you wish to make any use of material on our Site other than that set out above, please address your request to firstname.lastname@example.org.
Links from our site
Jurisdiction & applicable law
In the event that you are resident outside England and Wales (for example in Scotland) we will issue proceedings through the applicable local Court.