By using this website you agree to be bound by these terms and conditions.
You must be at least 18 years of age to use this website and resident and situated in the UK.By using our website and by agreeing to these terms and conditions you warrant and represent that you are at least 18 years of age and resident and situated in the UK.
1. General Terms
(1.1) In these terms and conditions: “we”, “us” and “our” refer to Warwick Financial Services Limited trading as allthelenders.org.uk, a company authorised and regulated by the Financial Conduct Authority; “website” means the website available at allthelenders.org.uk (or any successor website operated by us from time to time).
(1.2) The website provides information and comparison services in relation to consumer products and services. We do not charge for this service. Instead, we may receive fees from suppliers of products and services.
(1.3) We reserve the right to change, modify, replace or remove any information or service provided by the website without notice and as we see fit.
2. Financial Information Disclaimer
(2.1) The website provides information and comparison services in relation to particular products and services, including primarily financial services. The website does not provide financial advice, advice concerning particular investments or investment decisions or tax or legal advice. Nor do we recommend particular services or products. You should take professional advice in connection with, or independently research and verify, any information that you find on our website and wish to rely upon, whether wishing to make a purchase or otherwise.
(2.2) While we aim to keep the information on our website accurate, complete and up to date, we cannot guarantee, and will not be responsible for any damage or loss related to, the accuracy, completeness or timeliness of the information.
3. Our Content
(3.1) The content, design, software, databases, text, graphics and all other materials on the website is owned by us or our licensors and protected by copyright.
(3.2) You may use the website for your own individual, non-commercial use. You are permitted to download and print a single copy of each page of the website for your personal use only. Aside from this, none of the content, design, software, text, graphics or other material used on the website may be reproduced, modified or redistributed withour prior and explicit written permission from us. You must not use this website for any commercial purpose without our express written consent.
You hereby indemnify us and undertake to keep us indemnified against any losses, damages, costs, liabilities and expenses (including without limitation legal expenses and any amounts paid by us to a third party in settlement of a claim or dispute on the advice of our legal advisers) incurred or suffered by us arising out of any breach by you of any provision of these terms and conditions.
5. Limitations and exclusions of liability
(5.1) Nothing in these terms and conditions will: (i) limit or exclude our or your liability for death or personal injury resulting from negligence; (ii) limit or exclude our or your liability for fraud or fraudulent misrepresentation; (iii) limit any of our or your liabilities in any way that is not permitted under applicable law; or (iv) exclude any of our or your liabilities that may not be excluded under applicable law.
(5.2) The limitations and exclusions of liability set out in this section and elsewhere in these terms and conditions: (i) are subject to the preceding paragraph; and (ii) govern all liabilities arising under the terms and conditions or in relation to the subject matter of the terms and conditions, including liabilities arising in contract, in tort (including negligence) and for breach of statutory duty.
(5.3) We will not be liable for any loss or damage of any nature arising out of or in connection with the website or your use of the website.
(5.4) We will not be liable to you in respect of any losses arising out of any event or events beyond our reasonable control.
(5.5) We will not be responsible to you in respect of any business losses, including (without limitation) loss of or damage to profits, income, revenue, use, production, anticipated savings, business, contracts, commercial opportunities or goodwill.
(5.6) We will not be liable to you in respect of any loss or corruption of any data, database or software.
(5.7) We will not be liable to you in respect of any special, indirect or consequential loss or damage.
(5.8) You accept that we have an interest in limiting the personal liabilities of our officers and employees. Having regard to that interest, you accept that we are a limited liability entity and agree that you will not bring any claim personally against any individual officers or employees in respect of any losses you suffer in connection with the website or these terms and conditions. This will not, of course, limit or exclude the liability of the company itself for the acts or omissions of our officers or employees.
(5.9) We do not give any guarantee that access to the website or its content will be free from errors and uninterrupted. Nor do we give any guarantee that the website or its content will be free from viruses or anything else that may be considered harmful. It is your responsibility to put the necessary safeguards in place to protect yourself and your technology.
6. Links and merchants
(6.1) The website contains information about and links to other, third party websites. We are not in any way responsible for the information displayed on, the privacy policies of, or the practices upheld by said third parties. Nor are we in any way responsible for the products or services they offer.
(6.2) Any arrangement between you and any third party contacted via the website are at your sole risk. We assume no responsibility for any consequence relating directly or indirectly to any action or inaction you take based on the information, services or other material on this website.
(6.3) Some of the links or third party websites included on our website are affiliate links. This means that we make receive a commission or a fee if you click on a link that takes you through to a third party website or if you purchase a product from a third party website.
8. Payment to third parties
(8.1) Should you use the website to find a financial product and go on to apply for said products; any payment made will be to the relevant third party. We are not, in any way, involved with any such transaction or the processing of any such transaction.
9. Breaches of these terms and conditions
(9.1) Without prejudice to our other rights under these terms and conditions, if your breach these terms and conditions in any way, or if we reasonably suspect that you have breached these terms and conditions in any way, we may (i) block computers using your IP address from accessing the website; (ii) contact your ISP and request that they block your access to the website.
10. Trade Marks
(10.1) Warwick Financial Services, allthelenders.org.uk and our logos are trade marks belonging to us. We give no permission for the use of these trademarks, and such use may constitute an infringement on our rights.
(10.2) The other registered and unregistered trade marks or service marks on our website are the property of their respecte owners. Unless stated otherwise, we do not endorse and are not affiliated with any of the holders of any such rights and as such we cannot grant any licence to exercise such rights.
From time time we may update our terms and conditions by posting a revised version on our website. We recommend that you check the terms and conditions on the website occassionaly to ensure that you are informed of, and happy with, any amendments. Continued use of the website after the terms and conditions have been revised will constitute your acceptance of the revised terms and conditions.
If any provision detailed in these terms and conditions is deemed unlawful, invalid or unenforceable that provision will be deemed severed from the remainder and the validity and enforceability of the remaining provisions will not be affected.
(13.1) You hereby agree that we may assign, transfer, sub-contract or otherwise deal with our rights and/or obligations under these terms and conditions without notifying you or obtaining your specific consent.
(13.2) You must not assign, transfer, sub-contract or otherwise deal with your rights and/or obligations under these terms and conditions.
14. Third party rights
These terms and conditions are for the benefit of you and us., and are not intended to benefit any third party or be enforceable by any third party. The exercise of our and your rights in relation to these terms and conditions is not subject to the consent of any third party.
15. Governing law and jurisdiction
(15.1) These terms and conditions are governed by English law.
(15.2) Any disputes under or relating to these terms and conditions and/or the website will be subject to the exclusive jurisdiction of the English courts.
16. Contact and registration details
(16.1) If you have any questions about these Terms and Conditions or about using the website in general, please write to us using our website contact form or by post to Warwick Financial Services Ltd, PO BOX 448, Hoddesdon, EN11 1LN.
(16.2) Our registered office is at PO BOX 448, Hoddesdon, EN11 1LN and our company registration number is 09011092.
(16.3) Our VAT registration number 212 5843 29
(16.4) Our Financial Conduct Authority registration number is 622839.
(16.5) If you wish to make a complaint, please see our Complaints Procedure.