Any use by you of this Website is governed by these terms and conditions. Please read them carefully. The Disclaimer forms part of them. If you are uncertain about your rights or obligations under them or if you have any queries or comments, please contact us by e-mail at firstname.lastname@example.org, or seek independent legal advice.
Please note these terms and conditions impose obligations on you, give you liabilities to us and affect our liability to you.
Before using the Website please also read our Privacy Statement. It tells you what information we collect from you via the Website, how it is collected, and what we use the information for. You can control what information we collect from you and you must read our Privacy Statement to understand how to do that.
If you do not agree to be legally bound by these terms and conditions please do not access and/or use the Website.
1. CONTRACT BETWEEN YOU AND US;
www.financebirmingham.com (the Website) is a site operated by Finance Birmingham (we, us, our). We are a registered company with company number 7423867 and we have our registered address is at The Council House, Victoria Square, Birmingham, West Midlands, B1 1BB.
We may restrict access to the Website or any part of it so that only registered users are permitted to access or use it. We may refuse any request by you to register you for access.
If 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, and 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 opinion you have failed to comply with any of the provisions of these terms and conditional of use.
We may change our terms and conditions or change or stop offering the Website at any time and for any reason. The terms and conditions that apply are the ones published on the Website at the time when you use it. It is your responsibility to make sure that you are aware of any amendments to these terms and conditions.
Permission to view any part of the Website, constitutes consideration provided by us and a contract is therefore formed between you and us through your use of the Website. The contract is formed under English law and on these term and conditions and the Disclaimer. You also agree that the contract will be governed and interpreted in accordance with English law.
The contract will take effect immediately on your first use of the Website and will continue in force until such time as it is terminated by you or us in writing or by us stopping the Website or terminating your permission to use the same. We may suspend or terminate your access to the Website or any part of it at any time at our sole discretion.
- Be accurate (where they state facts).
- Be genuinely held (where they state opinions).
- Comply with applicable law in the UK and in any country from which they are posted.
Contributions must not:
- 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.
5. SUSPENSION AND TERMINATION
We will determine, in our discretion, whether there has been a breach of these terms and conditions through your use of the Website. When a breach of this policy has occurred, we may take such action as we deem appropriate.
Failure to comply with these terms and conditions constituting a material breach of the contract upon which you are permitted to use the Website, and may result in our taking all or any of the following actions:
- Immediate, temporary or permanent withdrawal of your right to use the Website.
- Immediate, temporary or permanent removal of any posting or material uploaded by you to our site.
- Issue of a warning to you.
- Legal proceedings against you for reimbursement of all costs on an indemnity basis (including, but not limited to, reasonable administrative and legal costs) resulting from the breach.
- Further legal action against you.
- Disclosure of such information to law enforcement authorities as we reasonably feel is necessary.
6. YOUR OBLIGATIONS - ACCURACY OF INFORMATION
If you provide any information that is untrue, inaccurate, not current or incomplete, or we have reasonable grounds to suspect that such information is untrue, inaccurate, not current or incomplete, we have the right to suspend or terminate your access to the Website.
If you access this Website from outside the UK, we do not represent or warrant that this Website or your accessing it complies with the laws of your country of access. It is your responsibility to comply with the laws of your country of access.
- only use the Website for lawful purposes and in a manner which does not infringe the rights of, restrict or inhibit anyone else's use of the Website;
- notify any breach of these terms and conditions to the us immediately;
- identify yourself in the appropriate manner and accurately when using the Website;
- copy, reproduce, republish, download, post, broadcast, transmit, distribute, store or otherwise use the Website or its content or any portion of it in any way except for your own personal, non-commercial use;
- use the Website or its content in any other way without our prior written permission;
- create, circulate, distribute or store or make any: viruses, worms or other deliberately destructive code; or material anonymously or by use of a pseudonym;
- do anything which causes damage to or disrupts or interferes with the Website or any server or network connected to it;
- circumvent or attempt to circumvent our security systems or our virus checking procedures or do anything which may prevent them from functioning correctly;
- contravene any applicable laws or regulations; infringe the rights of third parties, including copyright or other intellectual property rights or data protection rights by, for example, collecting or storing personal data about other users of the Website.
- You understand that the technical processing and transmission of the Website, may involve (a) transmissions over various networks; and (b) changes to conform and adapt to technical requirements of connecting networks or devices.
In the interests of all our users, we will co-operate with investigations by any law enforcement or relevant authorities of suspected criminal activity or violation of systems or network.
8. OWNERSHIP AND USE OF PROPRIETARY RIGHTS
All the Website including the content published on it (other than any content on the Website provided by third parties), including text, graphics, logos, icons, images (together, the ‘Content’) and the arrangement and compilation of the Content and any databases (‘Compilations’), and all the software and code included in or used on the Website and operating on the System or in your browser (‘Software’) are the property of us or our suppliers or licensors. All Content, Compilations and Software is protected by United Kingdom and international intellectual property laws, including, copyright laws.
Our visual identity and logo are trade marks, the "Finance Birmingham" logo being a registered trade mark. The identities and/or logos of third parties may also be trade marks or registered trade marks. You are not permitted to use or reproduce or allow anyone else to use or reproduce these trade marks for any reason, unless otherwise expressly stated within these terms and conditions. Nothing contained in these terms shall be construed as conferring by implication, estoppel or otherwise any licence or right to use any trade mark, patent, design right or copyright of us, or any other third party.
Any use of such intellectual property rights, software or code or any reproduction of the Website content is strictly prohibited except where expressly allowed under these terms and conditions.
Any requests for permission to use the Content in a manner otherwise than permitted by these terms and conditions should be notified to us at email@example.com
You hereby agree fully to indemnify, keep indemnified and hold us or any of our officers, employees, agents and sub-contractors and harmless from and against any and all costs, claims, losses, damages or liability and expenses (including, but not limited to, legal fees) made by any third party in any jurisdiction due to or arising out of your use of the Website otherwise than in accordance with these terms and conditions, or in circumstances where you are in breach of these terms and conditions, or any other breach by you of any third party rights.
You hereby separately agree fully to indemnify and hold harmless us and any of our staff and third party contributors from and against all and any costs, loss, damages, expenses (including but not limited to legal fees) arising from any fraud by you.
10. DEALINGS WITH THIRD PARTIES
The Website contains material, details of suppliers of goods and services and other advertising and sponsorship, which originates from third parties. We provide such materials as publisher only and do not necessarily endorse the content of those supplier details, advertisements and/or sponsorship. If you have any complaint about any such content published on our Website please notify us and the relevant third party.
We are not in any way responsible for any transaction conducted between you and any third party featured on the Website. Any transactions which you conduct with them is conducted at your own risk.
11. DATA FEEDS
We provide access to a number of data feeds on the Website. These originate from external third parties and we cannot guarantee either their availability or take responsibility for any disruption to them. We also have no control and cannot be liable for the accuracy or completeness of any information contained in such data feeds.
12. THIRD PARTY LINKS AND LINKING IN
We may provide hyperlinks to other internet sites. We are not responsible for the availability of such other sites and we do not endorse, and are not responsible or liable for any content, products or other materials available on such other sites.
You may include a link to our homepage, www.financebirmingham.com, in any website that you control. You may not make any link to any other webpage forming part of the Website, or otherwise use or link to any other part of the System, except as expressly permitted in these terms and conditions or otherwise with our prior written consent, which may be subject to conditions and fees.
- as to the accuracy, completeness, fitness for any particular purpose or currency of the information accessible via this Website;
- that the Website and its content are free from viruses or anything else that has contaminating or destructive properties including where such viruses or other programs result in loss of or corruption to your data or other property;
- that the quality of any products, services, information or other material purchased or obtained by you through the Website will meet your expectations (because it is your responsibility to check they meet your requirements);
- as to the quality of the Website (because the Website is provided free of charge);
- as to the operation, functionality or accessibility of the Website;
- that the Website will meet your requirements;
- that the Website will be uninterrupted, timely, secure or error-free (although once we have received your Personal Information we will keep it secure in accordance with the Data Protection Act 1998);
- that the results that may be obtained from your use of the Website will be accurate or reliable; or
- that any errors in the Website or the Software will be corrected.
We make the above exclusions because you can take simple steps to manage those risks yourself. You must:
- check your Personal Information held by us regularly to ensure it is up to date and accurate, and verify all other information from an independent source before relying on it;
- make your own arrangements to keep your data and property free from viruses or other malicious or unauthorised programs;
- use another website service if you want assurances about its operation, quality, fitness for your requirements, functionality, accessibility, availability, security or error-free running (and you are likely to have to pay a fee to use it), or try using the Website at another time and/or with different equipment; and
- check the results of the searches you make using the Website.
We will not be responsible for the computer equipment or telephone services which you use to access the Website.
- No other warranties, conditions, undertakings, representations, terms or other liabilities whether express or implied or otherwise (if any) arising out of or in connection with the use of (or inability to use) the Website or any material on the Website or any action or decision taken as a result of using the Website or any material on it are given, and those that are statutory are excluded to the fullest extent permitted by the law.
- We will only be liable for any loss or damage which you suffer from your use of the Website which results directly from our breach of any contract formed between you and us on the terms of our Website terms and conditions or from our negligence and which loss or damage was foreseeable (i.e. it was obvious) to you and us at the time of entering into the contract. Where your use of this Website is for business purposes we will not be liable for any loss of business, profits, contracts, goodwill and/or any other economic loss, or for any indirect or consequential loss or damage at all.
- Any liability of Finance Birmingham to you shall be limited in respect of any one incident or a series of two or more connected incidents to an amount equal to £5,000.
- Any claim for loss or damage caused by us which you wish to make must be notified to us as soon as practicable after the loss or damage is discovered. In the event of any claim against us by a third party resulting from use of the Website by you in non-compliance with our Website terms and conditions, you will be responsible for all of our losses, damages and reasonable costs and expenses.
In the event of a third party claim against us, you agree that you will:
- not settle the matter without our agreement;
- give us full authority to conduct the matter, including as to defending or settling the matter; and
- give us all reasonable assistance which we require from you in relation to the matter.
The above exclusions and limitations shall not, however, operate so as to limit our liability in respect of death or personal injury arising from our negligence or that of our employees or agents or for fraud or fraudulent misrepresentation.
Except as expressly stated, nothing in this Disclaimer and the terms and conditions of which it forms part will reduce your statutory rights (if any) relating to the manner in which we provide the Website.
Finance Birmingham has formal complaint procedures in place, available upon request by calling 0121 233 4903.