| Introduction
Use of this site constitutes agreement with the following
terms and conditions. These terms are governed by and interpreted
in line with English Law. Please read them carefully.
This site is intended for the use by citizens of the United
Kingdom. This site is not intended for distribution to, or
use by, any person in a country where such distribution or
use would be contrary to local laws or regulations.
Use of Content
Throughout our website, trademarked names are indicated.
However, rather than repeatedly show the trademark symbol,
we state that we are using such names in an editorial contact
with no intention of infringement of that trademark. Trademarked
names, as always, remain the property of their respective
companies.
We, or our licensors, own the copyright and all other intellectual
property rights associated with the content, unless otherwise
stated.
We cannot warrant that use of the site will not be interrupted
or unavailable due to any factors outside our control.
We are happy for you to download or print off copies of the
content of this site (other than any quotation details) for
your personal, non-commercial, use, and information; but,
any copying or adaptation of the content, layout or code of
this site, or the creation of an archive or database containing
the content, for any business purpose or other commercial
exploitation, without our specific consent will constitute
copyright infringement.
If you download or print off copies of the content, you must
retain any copyright or other intellectual property notices
contained in the original material.
You may not copy, distribute or display the site or any part
of the site to a third party. You may not link to or mirror
any part of the site. Any infringement of any intellectual
property rights in this manner will result in appropriate
legal action.
Any rights not expressly granted in these terms are reserved.
Changes
We are continually seeking to improve and update the site.
Therefore, we may make changes to any part of the site and
these conditions, and you will be bound by these changes and
conditions from the next time that you access the site.
No purported modification of these conditions will be effective
until we countersign it.
Downloads
You must ensure that any software downloaded from your internet
to your computer is suitable for use on your computer and
that it is virus free. This applies to any software downloaded
from this site; so you must check all software loaded from
this site and ensure that it is compatible with your computer.
Disclaimer
The information on this site is provided on an ‘as
is’ and ‘as available’ basis. We try to
ensure, but do not guarantee or warrant, the accuracy or completeness,
availability or reliability of the information on our website.
Our aim is to keep this information timely and accurate. If
errors are brought to our attention, we will try to correct
them.
We exclude any warranty, express or implied, as to the quality
or fitness for a particular purpose of any content on this
site.
We reserve exclusive right at our sole discretion to alter,
limit or discontinue part of this site. Under no circumstances
shall we be liable for any loss, damage, liability or expense
suffered which is claimed to result from the use of this site,
including without limitation, any fault, error, omission,
interruption or delay. Use of this site is at the user’s
sole risk.
We make every effort to minimise disruption caused by technical
errors. However, some data or information on our site may
have been created or structured in files or formats, which
are not error free, we cannot guarantee that our service will
not be interrupted or otherwise affected by such problems.
We accept no responsibility with regards to such problems
(failure of performance, computer virus, communication line
failure, alternation of content, etc.) incurred as a result
of using this site or any link to external sites.
The materials on this site do not constitute medical, financial
or other professional advice. You should consult an appropriate
professional for specific advice tailored to your situation.
Users specifically acknowledge and agree that we are not liable
for any conduct of any other user.
By accessing this site you agree that we will not be liable
to you or any third party for any errors or delays in the
site or any actions taken in reliance on it. You also agree
that, to the full extent allowed by applicable law, we will
not be liable for any direct, indirect or consequential loss
or any losses that were actually unforeseeable by us arising
from the access or use of the site or from your access or
use of other material on the internet via web links for this
site. We do not seek to limit liability in respect of fraudulent
misrepresentation nor in respect of death or personal injury
directly caused by our negligence.
We reserve the right to deny at our sole discretion any user
access to this site or any portion therefore without notice.
We have no obligation to forward any unread or unsent messages
to you or any third party.
Legal Statement
1. Your home is at risk if you do not keep up repayments on
a mortgage or other loan secured on it.
2. Written quotations on request.
3. Typical example: £10000 x 60 months = £214.58
per month. Total £12874.80 APR 10.9% Loans secured on
property.
4. Loans subject to status.
Please read the details set out below carefully before using
this website (the "Site"). By accessing this Site,
you agree to be bound by the following terms and conditions
and disclaimers (the "Terms").
References to 'you', 'your' and 'yours' are references to
the person(s) accessing the Site.
References to 'we', 'us' and 'our' are references to Fix Your Debts
TERMS
All our products and services and those of other members of
Fix Your Debts are subject to the terms and conditions and disclaimers
of the applicable agreement governing their use.
These Terms are to be read by you together with any terms,
conditions and disclaimers provided in the pages of the Site.
In the event of any conflict, the terms, conditions and disclaimers
provided in the pages of the Site shall prevail over these
Terms.
The information, material and content provided in the pages
of the Site may be changed at any time without notice. Changes
may be made to the Terms at any time without notice by updating
this posting. You agree to review the Terms regularly and
your continued access to or use of the Site will mean that
you agree to any changes.
NO OFFER
Neither the information, nor any opinion contained in our
Site constitutes an offer to sell or solicitation or an offer
to buy any financial instruments or any advice or recommendation
with respect to such financial instruments.
USERS
The Site is currently intended for those who access it from
within the United Kingdom. Because of this we cannot guarantee
that the Site or the information thereon complies with or
is appropriate for use in other places.
You are wholly responsible for use of the Site by any person
using your computer and you must ensure that any such person
complies with these Terms.
NO WARRANTIES
The following clauses exclude or limit our legal liability
for the Site. You should read them carefully.
Whilst we have taken reasonable steps to ensure the accuracy,
currency, availability correctness and completeness of the
information contained on the Site, information is provided
on an "as is", "as available" basis and
we do not give or make any warranty or representation of any
kind, whether express or implied. The use of the Site is at
your sole risk. We shall not be liable for any loss or damage
whatsoever and howsoever arising as a result of your use of
or reliance on the information contained on the Site to the
maximum extent permitted by law.
We do not represent or warrant that the Site will be available
and meet your requirements, that access will be uninterrupted,
that there will be no delays, failures, errors or omissions
or loss of transmitted information, that no viruses or other
contaminating or destructive properties will be transmitted
or that no damage will occur to your computer system. You
have sole responsibility for adequate protection and back
up of data and/or equipment and for undertaking reasonable
and appropriate precautions to scan for computer viruses or
other destructive properties.
We make no representations or warranties regarding the accuracy,
functionality or performance of any third party software that
may be used in connection with the Site.
THIRD PARTY SITES AND WARRANTIES
Where we provide hypertext links to other locations on the
Internet, we do so for information purposes only. We are not
responsible for the content of any other websites or pages
linked to or linking to this Site. We have not verified the
content of any such websites. Following links to any other
websites or pages shall be at your own risk and we shall not
be responsible or liable for any damages or in other way in
connection with linking. Links to downloadable software sites
are for convenience only and we are not responsible or liable
for any difficulties or consequences associated with downloading
the software. Use of any downloaded software is governed by
the terms of the license agreement, if any, which accompanies
or is provided with the software.
No endorsement or approval of any third parties or their advice,
opinions, information, products or services is expressed or
implied by any information on our Site.
INTERNET E-MAIL
Messages sent over the Internet cannot be guaranteed to be
completely secure as they are subject to possible interception
or loss or possible alteration. We are not responsible for
them and will not be liable to you or anyone else for any
damages or otherwise in connection with any message sent by
you to us or any message sent by us to you over the Internet.
TRADE MARKS AND COPYRIGHT
Copyright in the pages screens, information and material in
their arrangement included in this Site is owned by or licensed
to Fix Your Debts unless otherwise noted. You may imprint, copy,
download or temporarily store extracts from our Site for your
personal information or when you use our products and services.
You must not alter anything. Any other use is prohibited unless
you first get our written permission. In particular no one
may use a part of our Site on any other website, or link any
other website to our Site, without our prior written permission
DATA PROTECTION
We may as a result of your interaction with the Site hold
and process personal information obtained about you when you
access the Site and use it for servicing our relationship
with you, for the purposes of fraud prevention and debt collection,
to understand your financial needs, to conduct our business
and to provide you with better customer services and products
from both within Fix Your Debts and those of selected third
parties, to evaluate the effectiveness of our marketing of
the Site and for statistical analysis. We may pass this information
to other members of the Fix Your Debts group or agents, as permitted
by law so that they may do the same and they may pass information
held by them about you to us so that we may do the same. We
will not disclose any such information outside of the Fix Your Debts
group except for fraud prevention purposes and/or if required/obliged
by law or Governmental or judicial bodies or agencies or to
our regulators under proper authority, or under a strict code
of secrecy to sub-contractors or persons acting as our agents
or where we have your consent or have previously informed
you.
We may also in connection with the above and the provision
of the Site transfer your personal data to countries outside
the European Union (EU) which may not provide the same level
of protection for personal data as within the EU. However,
all personal data wherever it is held in the Fix Your Debts
Group or by its sub-contractors or agents will be afforded
a high level of protection against any authorised or accidental
disclosure, access or deletion. By agreeing to these Terms
you agree to such data being so used and that it may be transmitted
to others as stated above.
GOVERNING LAW
The Terms are governed by and interpreted in accordance with
the laws of England and Wales and the courts of the above
jurisdiction will have non-exclusive jurisdiction in respect
of any dispute, which may arise.
Your home is at risk if you do not keep up repayments on a
mortgage or other loan secured on it.
Calls may be recorded for Training and monitoring Purposes.
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