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Terms & Conditions

PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY BEFORE USING THIS SITE

What’s in these terms?

These terms tell you the rules for using our website www.lenddirect.io (“our site”).

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

1. Who we are and how to contact us

www.lenddirect.io is a site operated by Lend Direct Group Limited (“We“).

We are a private limited company registered in England and Wales under company number 10734400 and have our registered office at 20-22 Wenlock Road, London, United Kingdom N1 7GU.

To contact us, please email ir@lenddirect.io.

2. By using our site you accept these terms

By accessing and using our site, you confirm that you accept these terms of use and that you agree to comply with them. These terms of use apply to all individuals or entities accessing our site, regardless of the capacity in which they are accessing it, and “you” shall be construed accordingly.

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

If you breach any of these terms then your right to access and use our site shall cease immediately.

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

3. 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.

4. We may make changes to these terms

We amend these terms from time to time. In the event of a change to these terms you will be notified upon logging into your account on our site.

5. 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.

6. We may suspend or withdraw our site

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.

7. Our site is intended for users in the UK

Our site is directed to people residing in the United Kingdom. We do not represent that content available on or through our site is appropriate for use or available in other locations.

8. 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 ir@lenddirect.io.

9. Ownership of Content (Intellectual Property Rights)

We are the owner or the licensee of all intellectual property rights in our site, and in the content, information, material and data 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.

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.

10. Requirement to keep information confidential

You must not at any time disclose to any person or organisation any content, information, materials or data provided on or accessed through our site (in any form or medium) (“Confidential Information”), except where you are expressly permitted to do so by the following paragraphs.

You may disclose Confidential Information to your professional advisors for the purpose of obtaining accounting and legal advice, provided that:

  • you inform your professional advisor of the confidential nature of the Confidential Information before it is disclosed; and
  • your professional advisor agrees to comply with the obligations in this clause as if they were a party to these terms,

and you remain liable at all times for the failure of any of your professional advisors to comply with the obligations set out in this clause.

You may disclose Confidential Information to the minimum extent required by:

  • any order of any court of competent jurisdiction or any regulatory, judicial, governmental, or similar body or taxation authority of competent jurisdiction;
  • the rules of any listing authority or stock exchange; or
  • the laws or regulations of any country to which your affairs are subject.

11. Do not rely on information or other material on this site

The content on our site 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.

We make no representations, warranties or guarantees, whether express or implied, that the content on our site is accurate, complete or up to date.

Past results are not necessarily indicative of future performance and no assurance can be given that profits will be achieved or that substantial losses will not be incurred.

Certain statements on our site may constitute forward-looking statements.  Such statements include, amongst other things, statements regarding beliefs, expectations, estimations, plans, anticipations and similar statements.  Any such forward-looking statements involve risks, uncertainties and other factors that may cause the actual results, performance or achievements to be materially different from any future results, performance or achievements expressed or implied by such forward-looking statements.  We expressly disclaim any obligation or undertaking to release any updates or revisions to any forward-looking statement on our site, or to reflect any change in expectations or any change in events, conditions or circumstances on which any such statement is based.

Certain material on our site, particularly material in the “risk” section, is the product of calculation and data manipulation driven by our embedded site algorithms. Those algorithms inevitably utilise assumptions and methods which are not apparent from the data.  We take no responsibility for those algorithms, their assumptions or methods, and give no assurance that they correspond with the expectations of any site user.

12. Prohibited uses

You may use our site only for lawful purposes. You may not use our site:

  • In any way that breaches any applicable local, national or international law or regulation.
  • In any way that is unlawful or fraudulent, or has any unlawful or fraudulent purpose or effect.
  • For the purpose of harming or attempting to harm minors in any way.
  • To transmit, or procure the sending of, any unsolicited or unauthorised advertising or promotional material or any other form of similar solicitation (spam).

13. Uploading content to our site

To the maximum extent permissible by law, the ownership rights in all content you upload to our site are transferred to us immediately and automatically upon such upload.

Where ownership rights in content you upload to our site are not transferred to us in accordance with the above, you are deemed to grant us a non-exclusive, perpetual, transferable, sub-licensable, royalty-free, worldwide licence to use, store and copy that content and to distribute and make it available to third parties.

14. 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.

15. When we are responsible 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 for us 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.

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 our site (including without limitation the electronic transmission of content over the internet and the interception or decryption of it by others);
  • inability to access or use our site for whatever reason; or
  • use of or reliance on any content, information, materials or data displayed on, provided by or otherwise accessed through 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.

If you are a consumer user:

If defective digital content that we have supplied, damages a device or digital content belonging to you and this is caused by our failure to use reasonable care and skill, we will either repair the damage or pay you compensation.

16. 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.

17. 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.

If you wish to link to or make any use of content on our site other than that set out above, please contact ir@lenddirect.io.

18. Severability, entire agreement and no waiver

If any provision of these terms is held to be unlawful, invalid or unenforceable then that provision shall be deemed deleted from these terms and the validity and enforceability of the remaining provisions of these terms shall not be affected.

These terms, together with any additional terms referred to herein, constitute the entire agreement between you and us in respect of your access to and use of our site and supersede any prior agreements (including any previously published terms of use of our site).

No failure or delay by us in exercising any right under these terms will operate as a waiver of that right nor will any partial exercise by us of any right preclude any further exercise of any right.

19. 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. You and we each agree to the exclusive jurisdiction of the courts of England and Wales.

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