PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY BEFORE USING THIS SITE

WHAT IS IN THESE TERMS?

These terms tell you the rules for using our website www.assetfinancecompared.co.uk (our site).

Click on the links below to go straight to more information on each area:

WHO WE ARE AND HOW TO CONTACT US

www.assetfinancecompared.co.uk is a site operated by Midlands Asset Finance Limited (”We”).

We are a licenced credit broker authorised and regulated by the Financial Conduct Authority (FCA FRN 734580). You can check Midlands Asset Finance Limited registration on the Financial Services Register by visiting www.fca.org.uk/register or by contacting the FCA on 0800 111 6768 (freephone) or 0300 500 8082 or by emailing [email protected] We will promptly advise You if at any time this authorisation is removed or suspended.

We are a limited company registered in England and Wales under company number 06995483 and our registered office and trading address is 22 Maisies Way, The Village, South Normanton, Derbyshire, DE55 2DS. Our VAT number is 982 5378 77.

Our data controller registration number is Z1921169 and You can check Our registration on the Data Protection Public Register by visiting www.ico.org.uk/esdwebpages/search.

To contact us, please email [email protected] or phone 01773 864864.

USING OUR SITE YOU ACCEPT THESE TERMS

By using our site, you confirm that you accept these terms of use and that you agree to comply with them.

If you do not agree to these terms, you must not use our site.

We recommend that you print a copy of these terms for future reference.

THERE ARE OTHER TERMS THAT MAY APPLY TO YOU

These terms of use refer to the following additional terms, which also apply to your use of our site:

  • Our Privacy Policy, which sets out the terms on which we process any personal data we collect from you, or that you provide to us. By using our site, you consent to such processing and you warrant that all data provided by you is accurate.
  • Our Cookie Policy, which sets out information about the cookies on our site.
  • Our Quotation Terms and Conditions.

If you obtain a quote from our site, our Quotation Terms and Conditions will apply.

WE MAY MAKE CHANGES TO THESE TERMS

We can amend these terms from time to time. Every time you wish to use our site, please check these terms to ensure you understand the terms that apply at that time.

WE MAY MAKE CHANGES TO OUR SITE

We may update and change our site from time to time to reflect changes to our products, our users’ needs and our business priorities in line with any regulatory requirements. We will try to give you reasonable notice of any major changes.

WE MAY SUSPEND OR WITHDRAW OUR SITE

Our site is made available free of charge.

We do not guarantee that our site, or any content on it, will always be available or be uninterrupted. We may suspend or withdraw or restrict the availability of all or any part of our site for business and operational reasons. We will try to give you reasonable notice of any suspension or withdrawal.

You are also responsible for ensuring that all persons who access our site through your internet connection are aware of these terms of use and other applicable terms and conditions, and that they comply with them.

OUR SITE IS ONLY FOR USERS AGED 18 OR OVER RESIDING IN THE UK.

Accordingly, We do not represent that content available on or through our site is appropriate for use or available in other locations and We can’t guarantee that the Website or the information on it complies with or is appropriate for use in other places.

Other credit brokers or introducers are not permitted to use our Website to facilitate the running of their business without our express permission.

YOU MUST KEEP YOUR ACCOUNT DETAILS SAFE

If you choose, or you are provided with, a user identification code, password or any other piece of information as part of our security procedures, you must treat such information as confidential. You must not disclose it to any third party.

We have the right to disable any user identification code or password, whether chosen by you or allocated by us, at any time, if in our reasonable opinion you have failed to comply with any of the provisions of these terms of use.

If you know or suspect that anyone other than you knows your user identification code or password, you must promptly notify us at [email protected]

HOW YOU MAY USE MATERIAL ON OUR SITE

We are the owner or the licensee of all intellectual property rights in our site, and in the material published on it. Those works are protected by copyright laws and treaties around the world. All such rights are reserved.

You may print off one copy, and may download extracts, of any page(s) from our site for your personal use and you may draw the attention of others within your organisation to content 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 content on our site must always be acknowledged.

You must not use any part of the content on our site for commercial purposes without obtaining a licence to do so from us or our licensors.

If you print off, copy or download any part of our site in breach of these terms of use, your right to use our site will cease immediately and you must, at our option, return or destroy any copies of the materials you have made.

DO NOT RELY ON INFORMATION ON THIS SITE

The content on our site is provided for general information only. It is not intended to amount to advice on which you should rely. You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of the content on our site.

Although we make reasonable efforts to update the information on our site, we make no representations, warranties or guarantees, whether express or implied, that the content on our site is accurate, complete or up to date.

WE ARE NOT RESPONSIBLE FOR WEBSITES WE LINK TO

Where our site contains links to other sites and resources provided by third parties, these links are provided for your information only. Such links should not be interpreted as approval by us of those linked websites or information you may obtain from them.

We have no control over the contents of those sites or resources.

OUR RESPONSIBILITY FOR LOSS OR DAMAGE SUFFERED BY YOU

  • We do not exclude or limit in any way our liability to you where it would be unlawful to do so. This includes liability for death or personal injury caused by our negligence or the negligence of our employees, agents or subcontractors and for fraud or fraudulent misrepresentation.
  • Different limitations and exclusions of liability will apply to liability arising as a result of our Quotation Service, which will be set out in our Quotation Terms and Conditions.
  • We exclude all implied conditions, warranties, representations or other terms that may apply to our site or any content on it.
  • We will not be liable to you for any loss or damage, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, even if foreseeable, arising under or in connection with:
  • use of, or inability to use, our site; or
  • use of or reliance on any content displayed on our site.
  • In particular, we will not be liable for:
  • loss of profits, sales, business, or revenue;
  • business interruption;
  • loss of anticipated savings;
  • loss of business opportunity, goodwill or reputation; or
  • any indirect or consequential loss or damage.

WE ARE NOT RESPONSIBLE FOR VIRUSES AND YOU MUST NOT INTRODUCE THEM

We do not guarantee that our site will be secure or free from bugs or viruses.

You are responsible for configuring your information technology, computer programmes and platform to access our site. You should use your own virus protection software.

You must not misuse our site by knowingly introducing viruses, trojans, worms, logic bombs or other material that is malicious or technologically harmful. You must not attempt to gain unauthorised access to our site, the server on which our site is stored or any server, computer or database connected to our site. You must not attack our site via a denial-of-service attack or a distributed denial-of service attack. 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.

RULES ABOUT LINKING TO OUR SITE

You may link to our home page, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it.

You must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part where none exists.

You must not establish a link to our site in 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 in which you are linking must comply in all respects with the content standards set out in our Acceptable Use Policy – by using our site you accept these terms.

If you wish to link to or make any use of content on our site other than that set out above, please contact [email protected]

WHICH COUNTRY’S LAWS APPLY TO ANY DISPUTES?

These terms of use, their subject matter and their formation (and any non-contractual disputes or claims) are governed by English law. We both agree to the exclusive jurisdiction of the courts of England and Wales.

OUR TRADEMARKS ARE REGISTERED

Asset Finance Compared™ Ltd and Midlands Asset Finance Limited are our trademarks. You are not permitted to use them without our approval, unless they are part of material you are using as permitted under How you may use material on our site.

All logos and all brands and products referred to or detailed in the Website are our trademarks or licensed to us. No rights are granted in respect of any of the above trademarks. If You are in doubt whether an item is Our trademark or that of any company within our group, please contact us for clarification.

You may imprint, copy, download or temporarily store extracts from Our Website for Your personal information or when You use Our products and services. You may not republish, retransmit, redistribute or otherwise make such information or pages available to any other party or available on any website, on – line service or bulletin board of Your own or of any other party or make the same available in hard copy or on any other media without Our express prior written consent.

OUR RESPONSIBILITY FOR EMAILS

Messages sent over the Internet cannot be guaranteed to be completely secure as they are subject to possible interception, loss or alteration. We will not be responsible for any message lost, intercepted or altered by third parties 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.

Last updated January 2017.