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Terms and Conditions

1. Our Terms

  1. 1.1. These Terms explain how you may use this website (the Site).
  2. 1.2. References in these Terms to the Site includes the following websites and all associated subdomains and web pages: Consolidationexpert.co.uk
  3. 1.3. You should read these Terms carefully before using the Site.
  4. 1.4. By accessing or using the Site or otherwise indicating your consent, you agree to be bound by these Terms and the documents referred to in them.
  5. 1.5. If you do not agree with or accept any of these Terms, you should stop using the Site immediately.
  6. 1.6. If you have any questions about the Site, please contact us by using the following e-mail address: contactus@springhillfinance.co.uk
  7. 1.7. Definitions:
    1. 1.7.1. “Content” means any text, images, video, audio or other multimedia content, software or other information or material submitted to or on the Site;
    2. 1.7.2. “Terms” means these terms and conditions of use as updated from time to time;
    3. 1.7.3. “Intellectual property rights” means rights such as copyright, trademarks, domain names, design rights, database rights, patents and all other intellectual property rights of any kind whether or not they are registered or unregistered (anywhere in the world);
    4. 1.7.4. “Cookie policy” means the policy, which governs how we use cookies in the Site;
    5. 1.7.5. “Privacy policy” means the policy, which governs how we process any personal data collected from you;
    6. 1.7.6. “Site” means the following websites and all associated subdomains and web pages: consolidationexpert.co.uk;
    7. 1.7.7. “We, us or our” means SPRING HILL FINANCE LTD (company registration number 14504597 the registered office of which is at:
      Astley Park Estate
      Suite 18/19 Astley Park Estate
      Chaddock Lane Tyldesley
      Manchester
      England
      M29 7JY
      References to us in these Terms also includes any group companies which we may have from time to time;
    8. 1.7.8. “You or your” means the person accessing or using the Site or its Content
      (hereafter our “Associations”)
  8. 1.8. We are regulated by:
    Consolidationexpert.co.uk is a registered trading name of Springhill Finance Ltd which is an appointed representative of Melfinco Limited. Melfinco Limited is authorised and regulated by the Financial Conduct Authority. Springhill Finance Ltd appears on the financial services register under reference 988646.
    Springhill Finance Ltd is registered with the Information Commissioner’s Office under reference ZB483194.
    (hereafter our “Regulators”)
  9. 1.9. Your use of the Site means that you must also comply (where applicable) with our:
    1. 1.9.1. Online terms and conditions of sale
    2. 1.9.2. Privacy policy
    3. 1.9.3. Cookie policy
  10. 1.10. We reserve the right, at our sole discretion, to change, modify, add, or remove portions of these Terms of Use, at any time. It is your responsibility to check these Terms of Use periodically for changes. Your continued use of the Site following the posting of changes will mean that you accept and agree to the changes.

2. Using the Site

  1. 2.1. The Site is for your personal, non-commercial and non-exclusive use only. As long as you comply with these Terms of Use SPRINGHILL FINANCE LTD grants you a personal, non-exclusive, non-transferable, and non-commercial limited privilege to enter and use the Site.
  2. 2.2. You may not use any ‘page-scraper”, “robot”, “spider”, “deep-link” or other automatic device, program, algorithm or methodology, or any similar or equivalent manual process, to access, copy, acquire or monitor any part of the Site, or in any way reproduce or circumvent the navigational structure or presentation of the Site or any Content, to obtain or attempt to obtain any materials, documents or information through any means not purposely made available through the Site.
  3. 2.3. You may not attempt to gain unauthorised access to any part or feature of the Site, or any other systems or networks connected to the Site or to any of our servers, or to any of the services offered on or through the Site, by password mining, hacking or any other illegitimate means.
  4. 2.4. You may not scan, probe or test the vulnerability of the Site or any network connected to the Site, nor breach the security or authentication measures on the Site or any network connected to the Site.
  5. 2.5. You may not reverse look-up, trace or seek to trace any information on any other user of or visitor to the Site, or any other customer of ours, to its source, or exploit the Site or any service or information made available or offered by or through the Site, in any way where the purpose is to reveal any information, including but not limited to personal identification or information, other than your own information, as provided for by the Site.
  6. 2.6. You agree that you will not take any action that imposes an unreasonable or disproportionately large load on the infrastructure of the Site or our systems or networks, or any systems or networks connected to the Site.
  7. 2.7. You agree not to use any device, software or routine to interfere or attempt to interfere with the proper working of the Site or any transaction being conducted on the Site, or with any other person’s use of the Site.
  8. 2.8. You may not forge headers or otherwise manipulate identifiers in order to disguise the origin of any message or transmittal you send to us on or through the Site or any service offered on or through the Site. You may not pretend that you are, or that you represent, someone else, or impersonate any other individual or entity.
  9. 2.9. You may not use the Site or any Content for any purpose that is unlawful or prohibited by these Terms of Use, or to solicit the performance of any illegal activity or other activity which infringes our rights or those of others.
  10. 2.10. The Site is intended for use only by those who can access it from within the UK. If you choose to access the Site from locations outside the UK, you are responsible for compliance with local laws where they are applicable.
  11. 2.11. You agree that you are solely responsible for:
    1. 2.11.1. all costs and expenses you may incur in relation to your use of the Site; and
  12. 2.12. Our services are not targeted towards, nor intended for use by, anyone under the age of 18. If you are under the age of 18, you are not permitted to use our services.
  13. 2.13. We seek to make the Site as accessible as possible. If you have any difficulties using the Site, please contact us at contactus@springhillfinance.co.uk

3. Ownership, use and intellectual property rights

  1. 3.1. This Site and all intellectual property rights in it, including but not limited to any Content, are owned by us. We reserve all of our rights in any intellectual property in connection with these Terms. This means, for example, that we remain owners of them and free to use them as we see fit.
  2. 3.2. Nothing in these Terms grants you any legal rights in the Site other than as necessary to enable you to lawfully access the Site as intended and authorized by us. You agree not to adjust to try to circumvent or delete any notices contained on the Site (including any intellectual property notices) and in particular in any digital rights or other security technology embedded or contained within the Site.

4. Accuracy of information and availability of the Site

  1. 4.1. While we try to make sure that the Site is accurate. up-to-date and free from bugs, we cannot guarantee that it will be.
  2. 4.2. We may suspend or terminate operation of the Site at any time as we see fit.
  3. 4.3. Content is provided for your general information purposes only and to inform you about us and our products and news, features, services and other websites that may be of interest. It does not constitute technical, financial or legal advice or any other type of advice and should not be relied on for any purposes.
  4. 4.4. While we try to make sure that the Site is available for your use, we do not promise that the Site is available at all times, nor do we promise the uninterrupted use by you of the Site.

6. Events beyond our control

  1. 6.1. We shall have no liability to you for any breach of these Terms caused by any event or circumstance beyond our reasonable control including, but not limited to, strikes, lock-outs or other industrial disputes; breakdown of systems or network access; or flood, fire, explosion or accident.

7. Rights of third parties

  1. 7.1. No one other than a party to these Terms has any right to enforce any of these Terms.

Severance

If any of these terms and conditions should be determined to be invalid, illegal or unenforceable for any reason by any court of competent jurisdiction then such term or condition shall be severed and the remaining terms and conditions shall remain in full force and effect and continue to be binding and enforceable.

Governing law

These terms and conditions shall be governed by and construed in accordance with the law of England and Wales. You hereby submit to the exclusive jurisdiction of the English courts.