Terms & Conditions

Information About Us

www.[LoveFinance.co.uk] is a site operated by Love Finance Ltd (“Love/We”).

We are registered in England and Wales under company number 08103018 and have our registered office at 1 Calico Business Park Sandy Way, Amington, Tamworth, Staffordshire, B77 4BF, Telephone 0121 296 5273

Love Finance Ltd is authorised and regulated by the Financial Conduct Authority for certain types of consumer credit lending and credit related activities that are regulated under the Consumer Credit Act 1974 and by the Financial Services and Markets Act 2000

TERMS OF WEBSITE USE

This terms of use (together with the documents referred to in it) tells you the terms of use on which you may make use of our website www.[LoveFinance.co.uk]  (our site), whether as a guest or a registered user. Use of our site includes accessing, browsing, or registering to use our site.

Please read these terms of use carefully before you start to use our site, as these will apply to your use of our site. We recommend that you print a copy of this for future reference.

Access to and use of our site both within the UK and Internationally is provided by Shire on the following terms:

By using this site this constitutes your agreement to be bound by these terms, which shall take effect immediately on your first use of our site and our Privacy Policy. If you do not agree to be bound by all of the following terms please do not access, use and/or contribute to our site.

You agree to this website for lawful purposes and in a way that does not infringe the rights of, restrict or inhibit anyone else’s use and enjoyment of our site. Prohibited behaviour includes harassing or causing distress or inconvenience to any person, transmitting obscene or offensive content or disrupting the normal flow of dialogue within our site.

Our site is owned by Love and is protected by copyright and database rights. You acknowledge that all trademarks (registered or unregistered) used in providing this service shall remain the property of Love at all times.

OTHER APPLICABLE TERMS

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 Acceptable Use Policy, which sets out the permitted uses and prohibited uses of our site. When using our site, you must comply with this Acceptable Use Policy.

CHANGES TO THESE TERMS

Love may change these terms from time to time and so you should check these terms regularly. Your continued use of this website will be deemed acceptance of the updated or amended terms.

If you do not agree to the changes, you should cease using our site.

CHANGES TO OUR SITE

We may update our site from time to time, and may change the content at any time. However, please note that any of the content on our site may be out of date at any given time, and we are under no obligation to update it.

We do not guarantee that our site, or any content on it, will be free from errors or omissions.

ACCESSING 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. Access to our site is permitted on a temporary basis. We may suspend, withdraw, discontinue or change all or any part of our site without notice. We will not be liable to you if for any reason our site is unavailable at any time or for any period.

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 of use and other applicable terms and conditions, and that they comply with them.

YOUR ACCOUNT AND PASSWORD

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 www.[LoveFinance.co.uk]

INTELLECTUAL PROPERTY RIGHTS

All copyright, trademarks, design rights, patents and other intellectual property rights (registered and unregistered) our site and all content (including all applications) located on it shall remain vested in Love or its licensors (which includes other users). You may not copy, reproduce, republish, disassemble, decompile, reverse engineer, download, post, broadcast, transmit, make available to the public, or otherwise use our site content in any way except for your own personal, noncommercial use. You also agree not to adapt, alter or create a derivative work from our site content except for your own personal, non-commercial use. Any other use of this website content requires the prior written permission of Love.

The names, images and logos identifying Love or third parties and their products and services are subject to copyright, design rights and trademarks of the Love and/ or third parties. Nothing contained in these terms shall be construed as conferring any licence or right to use any trademark, design right or copyright of Love or any other third party.

NO RELIANCE ON INFORMATION

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 upto-date.

LIMITATION OF OUR LIABILITY

This website’s content, including the information, names, images, pictures, logos and icons regarding or relating to Love, its products and services (or to third party products and services), is provided “AS IS” and on an “AS AVAILABLE” basis.

To the extent permitted by law, Love excludes all representations and warranties (whether express or implied by law), including the implied warranties of satisfactory quality, fitness for a particular purpose, noninfringement, compatibility, security and accuracy. Love does not guarantee the timeliness, completeness or performance of the website or any of the content. While we try to ensure that all content provided by Love is correct at the time of publication no responsibility is accepted by or on behalf of Love for any errors, omissions or inaccurate content on our site.

Nothing in these terms limits or excludes Love’s liability for death or personal injury caused by its proven negligence. Subject to the previous sentence, Love shall not be liable for any of the following losses or damage (whether such damage or losses were foreseen, foreseeable, known or otherwise): (a) loss of data; (b) loss of revenue or anticipated profits; (c) loss of business; (d) loss of opportunity; (e) loss of goodwill or injury to reputation; (f) losses suffered by third parties; or (g) any indirect, consequential, special or exemplary damages arising from the use of any Shire Website regardless of the form of action.

Love does not warrant that functions available on our site will be uninterrupted or error free, that defects will be corrected, or that our site or the server that makes it available are free of viruses or bugs. You acknowledge that it is your responsibility to implement sufficient procedures and virus checks (including anti-virus and other security checks) to satisfy your particular requirements for the accuracy of data input and output.

UPLOADING CONTENT TO OUR SITE

Whenever you make use of a feature that allows you to upload content to our site, you must comply with the content standards set out in our Acceptable Use Policy. You warrant that any such contribution does comply with those standards, and you will be liable to us and indemnify us for any breach of that warranty. If you are a consumer user, this means you will be responsible for any loss or damage we suffer as a result of your breach of warranty.

Any content you upload to our site will be considered non-confidential and non-proprietary, and we have the right to use, copy, distribute and disclose to third parties any such content for any purpose.

We also have the right to disclose your identity to any third party who is claiming that any content posted or uploaded by you to our site constitutes a violation of their intellectual property rights, or of their right to privacy.

We have the right to remove any posting you make on our site if, in our opinion, your post does not comply with the content standards set out in our Acceptable Use Policy.

The views expressed by other users on our site do not represent our views or values.

VIRUSES

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 in order 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 which 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.

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.

The website in which you are linking must comply in all respects with the content standards set out in our Acceptable Use Policy.

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 make any use of content on our site other than that set out above, please contact Love Finance.

 

THIRD PARTY LINKS AND RESOURCES IN OUR SITE

Where our site contains links to other sites and resources provided by third parties, these links are provided for your information only.

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

APPLICABLE LAW

If you are a business, these terms of use, its subject matter and its 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.

CONTACT US

To contact us, please email Love Finance. Thank you for visiting our site.

PRIVACY POLICY

“Love Finance Website” means a website provided by Love Finance Ltd.

Access to and use of any Love Finance Website both within the UK and internationally is provided by Love Finance Ltd on the following terms:

Love Finance Ltd is committed to attaining the best standards of practice. Therefore, we have implemented appropriate procedures to protect your privacy and confidentiality.

This Privacy Policy (together with the documents referred to in it) sets out the basis on which any personal data we collect from you, or that you provide to us, will be processed by us. Please read the following carefully to understand our views and practices regarding your personal data and how we will treat it.

This policy contains definitions given in the Terms and Conditions of this website, which shall have the same meaning as given there, unless otherwise stated. Use of Your Information

By using features of our site where you are required to provide personal details, you consent to processing your personal data in accordance with this privacy policy. Any personal data you provide to Love Finance , whether now or in the future, will be used for the purposes of: fulfilling any requests for information; targeted marketing and/or surveys; dealing with your feedback; quality assurance or research.

By continuing with any application (whether as an individual, a partnership or on behalf of a corporate body) you agree that we may:-

Search your record at the credit references agencies (‘your records’). They will add your records details of our search and your application and this will be seen by other organisations that make searches.

If you are a joint applicant, such as a partnership, or if you have told us of some other financial association with another person, you must be sure that you are entitled to:

disclose information about your joint applicant and anyone referred to by you.

authorise us to search, link or record information at the credit reference agencies about you and/or your joint applicant(s)and anyone referred to by you.

Once a search is completed this will be registered with the credit reference agencies against all applicants or partners.

An “association” between joint applicants and between you and anyone you tell us is your financial partner will be created at the credit reference agencies. This will link your financial records, each of which will be taken into account in all future applications by either or both of you.

 

If you applying for a body corporate, such as a limited company or LLP, you have authorised us to create a search against any director(s) (as so required) at the credit reference agencies. This search will be registered with the Credit reference agencies.

Where you are making any application on behalf of a body corporate, you must ensure that your fellow Directors are aware that a search at the credit references agencies will be undertaken.  If any of your Directors do not consent to a personal credit search then please let us know by contacting us Hello@lovefinance.co.uk.   It is important that you give us accurate information. We will check your details with fraud prevention agencies, and if you give us false or inaccurate information and we suspect fraud, we will record this.

We may undertake a search with Experian against each individual, partner, director (or similar person) for the purposes of verifying your identity. To do so Experian may check the details you supply against any particulars on any database (public or otherwise) to which they have access. They may also use your details in the future to assist other companies for verification purposes. A record of the search will be retained.

For these purposes, we or they make further searches. Although these searches will be added to your records, they will not be shared with others.

 

We, the credit references agencies and the fraud prevention agencies will also use your records for statistical analysis about credit, insurance and fraud. Fraud prevention agency records will also be shared with other organisations to help make decisions on motor, household, credit, life and other insurance proposals and insurance claims, for you and members of your household. We may also use information about you to carry out market research.

If you do not want to receive any marketing information you may write to us at any time to tell us not to send any more.

You agree that we may:-

Disclose your information to third parties, including manufacturers, resellers, brokers, suppliers, funders, insurers, members of our group, agents, sub-contractors and carefully selected organisations so that they can use it to market their products and services;

Market out products and services or those of our group or selected third parties;

Transfer information to any country, including a destination outside the European Economic Area (EEA). It may also be processed by staff operating from outside the EEA who work for us or a third party. Such staff may be engaged in, amongst other things, the processing of your payment details and the provision of support services. We will take all steps reasonably necessary to ensure that your data is treated securely and in accordance with this privacy policy. If no satisfactory data protection laws exist in the country to which we are transferring your personal data, we will put in place equivalent contractual safeguards to those contains in the Act.

If you do not wish your data to be used in this way, or you wish to opt out of receive any marketing information from Love Finance, you may do so at any time by e-mailing Love Finance.

Alternatively, you can provide this request to us in writing Love Finance Ltd, 1 Calico Business Park, Sandy Way, Amington, Tamworth, Staffordshire, B77 4BF. All personal data is collected, held and used in compliance with the Data Protection Act 1998. Under that Act, you may request details of all personal data held by Love Finance. A small fee will be payable. Call Recording

Should you ring one of the phone numbers advertised on any Love Finance website your calls may be recorded to help us improve our service, to assist us in training, to evidence communication between us and in the interests of security. We also record some of the outgoing calls that we make for the above reasons. You may voluntarily give personal data to enable you to request information from us or provide feedback.

SECURITY

Love Finance takes all reasonable measures to ensure that the data it holds is accurate when collected and remains accurate during processing and storage. However, the Internet is an insecure medium, and as such the integrity and security of any personal data submitted over the Internet cannot be guaranteed during transmission.

OTHER WEBSITES

This website may contain links to other websites. Love Finance does not accept any responsibility for the privacy policies of external sites; and you should look at the privacy statements of those websites in question.

COOKIE POLICY

Love Finance uses cookies on its website. By using our website and agreeing to this policy, you consent to our use of cookies in accordance with the terms of this policy.

ABOUT COOKIES

Cookies are information packets sent by web servers to web browsers, and stored by the web browsers. The information is then sent back to the server each time the browser requests a page from the server. This enables a web server to identify and track web browsers.

There are two main kinds of cookies, session cookies and persistent cookies. Session cookies are deleted from your computer when you close your browser, whereas persistent cookies remain stored on your computer until deleted, or until they reach their expiry date. Love Finance Ltd uses the following cookies on this website, for the following purposes:

DoubleClick – used by Google for ad tracking purposes. Whenever you visit a website with Google ads on it, a cookie is placed in your web browser by the ads and is used to track you across the Internet. You can erase this cookie from your computer by deleting the cookies from your web browser.

Quantcast Measurement – used by Joomla software to track web audience measurement. It provides detailed user demographics and audience insights. This information includes traffic, demographics, geography, business, site affinity and categories of interest.

GOOGLE COOKIES

Love Finance Ltd uses Google Analytics to analyse the use of this website. Google Analytics generates statistical and other information about website use by means of cookies, which are stored on users’ computers. The information generated relating to our website is used to create reports about the use of the website. Google will store and use this information. Google’s privacy policy is available at: www.google.com/privacypolicy.html

OTHER/THIRD PARTY COOKIES

When you use this website, you may also be sent the following third party cookies, which may be used for the following purposes:

Twitter – Tracks whose profile you are viewing and which website you have come from.

LinkedIn – Tracks whose profile you are viewing and which website you have come from.

Bing – Tracks which location you are viewing and which website you have come from.

Refusing cookies

Most browsers allow you to refuse or accept cookies.

In Internet Explorer, you can refuse all cookies by clicking

“Tools”, “Internet Options”, “Privacy”, and selecting “Block all cookies” using the sliding selector. In Firefox, you can adjust your cookies settings by clicking “Tools”, “Options” and “Privacy”.

Blocking cookies will have a negative impact upon the usability of some websites.

About this cookies policy

This cookies policy was made using a free Contractology form available at www.freenetlaw.com. Other forms available on the Contractology website include software agreement precedents. For further information visit www.seqlegal.com.