Terms and Conditions

This section is very important as it sets out your responsibilities and our liabilities to you. You are responsible for ensuring any information that you provide us:

• Is correct, complete, accurate and not misleading.
• Does not violate any law.
• Is not harmful, fraudulent, defamatory or otherwise offensive.

If you provide feedback on our website or if we ask you to insert information about yourself or circumstances, you are solely responsible for ensuring that all information you provide is correct, complete, accurate and not misleading and that you disclose all relevant facts. We are not responsible or liable to you for any loss or damage you may suffer or incur in connection with your failure to ensure such information is correct and not misleading.

You are responsible for ensuring that any third party that you may wish to contract with has the correct information about you. It is very important that you ensure that all the information held by the third party about you is correct, complete and not misleading and that you have disclosed all relevant facts. It is your responsibility to identify and correct any mistakes or errors in the information, content, material or data held by the third party about you before you obtain any product or service from the third party. Failure to do so could invalidate the product or service provided by the third party and we are not responsible or liable to you for any loss or damage

You may suffer or incur in connection with your failure to ensure such information is correct and not misleading.You are responsible for ensuring that you understand and agree with the terms and conditions of the third party that will be providing the product or service to you before entering into that contract. Our website allows you to apply for a number of products and services. These products and services are all provided by third parties and not us. If you apply for and obtain any product or service, you will be contracting with a third party that will be providing that product or service to you on their own terms and conditions. The application process may involve your clicking on links in either our website or in an email we have sent to you as part of our service to the websites of third parties. These websites are owned by third parties over whom we have no control. Further to that the websites are subject to the third party’s privacy policy and terms and conditions. Your access and use of these websites is at your sole risk and it is your responsibility to ensure that you understand and agree with the terms and conditions of the third party whose website you access or use. It is also your responsibility to understand and agree with the terms and conditions which relate to the specific product or service to you before enter into that contract. Accordingly, we are not responsible or liable to you for any loss or damage you may suffer or incur in connection with your use of any third party website or in connection with any contract entered into by you with any third party in relation to any product or service. You are responsible for making your own enquiries to check that the product or service that you want to apply for is accurate, complete and up-to-date and meets your needs. Our website contains a lot of information and descriptions about the products and services which you may apply for. This information may not provide a complete description of all the features, terms and conditions applicable to those products. Further much of the information is provided by third party product or service providers and we do not monitor, verify or endorse the information and it may be inaccurate, incomplete or out of date. Although we use reasonable endeavours to ensure that the information on our website is reliable and try to correct any errors or omissions as soon as practicable after being made aware of them, it is your responsibility to check that such information is accurate, complete and up to date. Accordingly, we are not responsible or liable to you for any loss or damage you may suffer or incur in connection with, the details we provide on our website with respect to any product or service provided by third parties which you did not check individually and/or do not meet your needs for any reason.

You are responsible for ensuring that you have appropriate virus checking software on your computer. We cannot guarantee that our website is uncorrupted or free from viruses which may harm your computer and are not responsible or liable to you for any loss or damage you may suffer in this regard where caused by any third party We do not seek to exclude or limit any liability that cannot be limited or excluded under any applicable law. This includes our liability for things such as fraud, death or personal injury caused by negligence. We shall not be liable to you for any loss of income, revenue, business, profits or contract, anticipated savings, data, goodwill or opportunity, direct, indirect or consequential loss or damage incurred by you in connection with any access, use, or inability to access or use our website where:

• You have not complied with any part of these terms and conditions.
• We are not in breach of a legal duty of care owed to you by us or by any of our employees or agents,
• The loss or damage you suffered by our breach of these terms and conditions was not reasonably foreseeable,
• To the extent that you have contributed to your loss or damage by failing to act reasonably in the circumstances or by failing to take reasonable steps to mitigate your loss or damage. If you use our website, it is reasonable for us to expect that you will adhere to these terms and conditions. If we think you have breached any of these terms and conditions or demonstrated inappropriate conduct when using our website, we may take measures to terminate or suspend your access to the website.