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Website Terms and 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.nemo-loans.co.uk (our site).

The below terms set out:

• Who we are and how to contact us
• Acceptance of our terms
• Other terms that may apply when you are using our site
• How we may change, suspend or withdraw our site
• Our site is only for UK consumers
• Permitted uses of our site
• Relying on information on our site
• Linking to third party websites from our site
• Responsibility for our site
• Linking to our site
• Law that applies to our site
• Our trademarks

WHO WE ARE AND HOW TO CONTACT US

www.nemo-loans.co.uk is a site operated by Nemo Personal Finance Limited ("We"). We are registered in England and Wales under company number 05188059 and have our registered office at Principality Building Society, PO Box 89, Principality Buildings, Queen Street, Cardiff, CF10 1UA. Our main trading address is Trafalgar House, 5 Fitzalan Place, Cardiff CF24 0ED. Our VAT number is 615 9386 16.

We are authorised and regulated by the Financial Conduct Authority. We subscribe the Lending code which is monitored and enforced by the FLA (Finance and Leasing Association).

We are a limited company.

To contact us, please email customerservices@nemoloans.co.uk or for a contact number please click here.

BY 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 about you, or that you provide to us. By using our site, you consent to such processing and you agree that all data provided by you is accurate.
  • Our Cookie Policy, which sets out information about the cookies on our site. We may make changes to these terms.

We 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. Any changes will only apply to future use (and not to information already downloaded).

WE MAY MAKE CHANGES TO OUR SITE

We may update and change our site from time to time to reflect changes to our services, our users' needs, our business priorities, or for legal and regulatory requirements.

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 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.

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 customerservices@nemoloans.co.uk

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.

PROHIBITED USES OF OUR SITE

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

  • 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 other people in any way
  • To send, knowingly receive, upload, download, use or re-use any material which:
    • Contain any material which is defamatory of any person
    • Contain any material which is obscene, offensive, hateful or inflammatory
    • Promote sexually explicit material
    • Promote violence
    • Promote discrimination based on race, sex, religion, nationality, disability, sexual orientation or age
    • Infringe any copyright, database right or trade mark of any other person
    • Be likely to deceive any person
    • Be made in breach of any legal duty owed to a third party, such as a contractual duty or a duty of confidence
    • Promote any illegal activity
    • Be threatening, abuse or invade another’s privacy, or cause annoyance, inconvenience or needless anxiety
    • Be likely to harass, upset, embarrass, alarm or annoy any other person
    • Be used to impersonate any person, or to misrepresent your identity or affiliation with any person
    • Give the impression that they emanate from us, if this is not the case
    • Advocate, promote or assist any unlawful act such as (by way of example only) copyright infringement or computer misuse
    • To transmit, or procure the sending of, any unsolicited or unauthorised advertising or promotional material or any other form of similar solicitation (spam)
    • To knowingly transmit any data, send or upload any material that contains viruses, Trojan horses, worms, time-bombs, keystroke loggers, spyware, adware or any other harmful programs or similar computer code designed to adversely affect the operation of any computer software or hardware
    • You also agree:
      • Not to reproduce, duplicate, copy or re-sell any part of our site in contravention of the provisions of the above section “How you may use material on our site”
      • Not to access without authority, interfere with, damage or disrupt
      • any part of our site
      • any equipment or network on which our site is stored
      • any software used in the provision of our site or
      • any equipment or network or software owned or used by any third party

      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

      • Please note that we only provide our site for domestic and private use, not for commercial or business use. You agree not to use our site for any commercial or business purposes, and we have no liability to you for any loss of profit, loss of business, business interruption, or loss of business opportunity.
      • 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.

      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. If you wish to link to or make any use of content on our site other than that set out above, please contact customerservices@nemoloans.co.uk

      WHICH COUNTRY'S LAWS APPLY TO ANY DISPUTES?

      These terms of use, their subject matter and their formation, are governed by the laws of England and Wales. You and we both agree that the courts of England and Wales will have exclusive jurisdiction except that if you are a resident of Northern Ireland you may also bring proceedings in Northern Ireland, and if you are resident of Scotland, you may also bring proceedings in Scotland.

      OUR TRADE MARKS ARE REGISTERED

      Nemo Personal Finance is a registered trade mark of Nemo Personal Finance Limited. You are not permitted to use this without our approval, unless it is part of material you are using as permitted under How you may use material on our site.

      © 2016 Nemo Personal Finance Ltd. All rights reserved.

      Nemo Personal Finance, Trafalgar House, 5 Fitzalan Place, Cardiff CF24 0ED.

      Nemo Personal Finance is a trading name of Nemo Personal Finance Limited. Registered office: PO Box 89 Principality Buildings, Queen Street, Cardiff CF10 1UA. Registered in England and Wales No. 05188059.

      Our Firm reference number is 314732 and you can check these details on the Financial Services register here.  

      Calls may be monitored and recorded for training, compliance and evidential purposes.

      Authorised and Regulated by the Financial Conduct Authority. Nemo Personal Finance subscribes to the Lending Code which is monitored and enforced by the FLA (Finance and Leasing Association).