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Terms of use

 

PCF BANK - WEBSITE TERMS OF USE

PLEASE READ THESE TERMS OF USE CAREFULLY. BY ACCESSING THIS WEBSITE YOU AGREE TO BE BOUND BY THE TERMS OF USE BELOW. THESE TERMS OF USE ARE SUBJECT TO CHANGE. ANY CHANGES WILL BE INCORPORATED INTO THE TERMS OF USE POSTED TO THIS WEBSITE FROM TIME TO TIME. IF YOU DO NOT AGREE WITH THESE TERMS OF USE, PLEASE DO NOT ACCESS THIS WEBSITE.

This website (www.pcf.bank) (the “Website”) is operated by PCF Bank Limited (trading as "PCF Bank"), a company incorporated in England and Wales (Company Number 02794633), having its registered office at Pinners Hall, 105-108 Old Broad Street, London EC2N 1ER and referred to as PCF Bank, “we” or “us” in these terms and conditions). We are wholly owned by PCF Group plc, a company incorporated in England and Wales (Company Number 02863246). We are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (FRN Number 747017). Our VAT registration number is 697 4606 82.

The Website is made available on the following terms and conditions and any and all other notices, rules, guidelines and conditions stated elsewhere in the Website, all of which are incorporated by reference (the "Terms"). Your use of this Website constitutes your agreement to all such Terms. Unless explicitly stated to the contrary, each new product or service we may add from time to time to the Service shall be subject to the relevant terms and conditions which may be notified to you on the Website or referred to in these terms.

We may revise these Terms at any time by amending this page. Please check this page from time to time to take notice of any changes we made, as they are binding on you.

Questions, comments and requests regarding these terms of use are welcomed and should be emailed to [email protected] or addressed to Customer Services, PCF Bank Limited, Pinners Hall, 105-108 Old Broad Street, London EC2N 1ER.

USERS

This Website is only intended for use by residents of Great Britain or businesses which are incorporated in or have their principal place of business in Great Britain. If you do not fall into one of these categories, you are not authorised to use the Website.

USE LIMITATION

You may only use this Website for the purposes of: (i) accessing information about us; (ii) operating (including but not limited to opening) savings accounts; or (iii) submitting proposals or accessing information in relation to the making of loans or the sale, purchase, financing, hiring or insurance of motor vehicles and other goods or services, plant equipment or machinery in accordance with the Terms.

You may not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell or otherwise use for any commercial purpose any information, products or services obtained from this Website, including, but not limited to information obtained from any credit reference agency or fraud prevention agency.

We shall be entitled to make changes to the Website at any time without notice - this may include removal of processing or search facilities or other content at our discretion. Please note that any of the content on the Website may be out of date at any given time, and we are under no obligation to update it. We do not guarantee that the Website, or any content on it, will be free from errors or omissions.

The Website is made available free of charge. We do not guarantee that the Website, or any content on it, will always be available or be uninterrupted. We also reserve the right at any time and from time to time without responsibility for any loss or expense which any person may sustain or incur, to suspend, modify or discontinue either temporarily or permanently any part or the whole of the Website and/or any products or services offered through it. Access to the Website is permitted on a temporary basis.

You are responsible for making all arrangements necessary for you to have access to the Website. You are also responsible for ensuring that all persons who access the Website through your internet connection are aware of these terms of use and other applicable terms and conditions, and that they comply with them.

REGISTRATION ON THE WEBSITE

If at any time on the Website 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. If you know or suspect that anyone other than you knows your user identification code or password, you must promptly notify us at [email protected]

COPYRIGHT AND TRADEMARK NOTICES:

We are the owner of the licensee of all intellectual property rights used or referred to on the Website (including without limitation the Private and Commercial Finance name and logo, the name PCF Bank, the name PCFG and any other product and company names mentioned or referred to in the Website, photographs and other content submitted by Users featured on the Website). Those works are protected by copyright laws and treaties around the world. All such rights are reserved. 

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.

You must not use any part of the content on the Website 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 the Website in breach of these Terms, your right to use the Website will cease immediately and you must, at our option, return or destroy any copies of the materials you have made.

Where you submit information and/or photographs for inclusion on the Website as part of the service or otherwise, you are responsible for obtaining all necessary clearances and permissions from third parties where necessary to allow such content and information to be used. By submitting these, you will be deemed to have licensed these to us for the purposes of providing and maintaining the Website and retaining records of the use and operation of the Website. Where you are asked to provide information or data in our registration or proposal form and elsewhere on this Website, you agree to ensure that this is accurate, complete and not misleading and will update this as necessary to ensure that this remains the case if you continue to use the Website.

Subject as stated above, all contents of this Website are: Copyright © PCF Bank. Our status (and that of any identified contributors) as the authors of content on the Website must always be acknowledged.

PRIVACY STATEMENT

Our Privacy Policy www.pcf.bank/privacy, which sets out the terms on which we process any personal data we collect from you, or that you provide to us which also apply to your use of the Website.

LIABILITY DISCLAIMER

NOTHING IN THIS WEBSITE CONSTITUTES AN INVITATION OR RECOMMENDATION TO INVEST IN OR SUBSCRIBE FOR, PURCHASE, SELL OR OTHERWISE DEAL IN ANY SECURITIES, STOCKS OR SHARES WHETHER IN PCF BANK OR OTHERWISE. THE WEBSITE AND ANY AND ALL SERVICES PROVIDED THROUGH THE WEBSITE BY PCF BANK ARE PROVIDED "AS IS" AND ON AN "AS AVAILABLE" BASIS AND WITHOUT PREJUDICE TO THE GENERALITY OF THE FOREGOING. PCF BANK (AND ITS SUPPLIERS AS THE CASE MAY BE) ACCEPT NO RESPONSIBILITY OR LIABILITY FOR AND GIVE NO WARRANTY AND MAKE NO REPRESENTATIONS IN RESPECT OF THE FOLLOWING MATTERS.

(A) THE ACCURACY OR COMPLETENESS OF INFORMATION PUBLISHED ON THIS WEBSITE AND IN PARTICULAR NO WARRANTY IS GIVEN THAT SUCH INFORMATION WILL BE ERROR FREE AND THE USER ACKNOWLEDGES THAT THE INFORMATION, PRODUCTS, AND SERVICES PUBLISHED ON THIS WEBSITE MAY INCLUDE INACCURACIES, OMISSIONS OR TYPOGRAPHICAL ERRORS.

(B) THE SUITABILITY, QUALITY OR FITNESS FOR PURPOSE OF ANY GOODS, INFORMATION, PRODUCTS, AND/OR SERVICES OFFERED ON THIS WEBSITE FOR ANY PURPOSE AND/OR THE TITLE OF ANY PARTY OFFERING GOODS, INFORMATION, PRODUCTS OR SERVICES FOR SALE TO SUPPLY SUCH GOODS, INFORMATION, PRODUCTS OR SERVICES.

(C) THE NON-INFRINGEMENT OF THIRD PARTY INTELLECTUAL PROPERTY RIGHTS

(D) THAT THE SERVICE PROVIDED THROUGH THIS WEBSITE WILL BE UNINTERRUPTED, TIMELY OR SECURE

(E) THAT THE WEBSITE AND/OR SERVICE WILL MEET YOUR REQUIREMENTS OR EXPECTATIONS

(F) THAT ANY MATERIAL DOWNLOADED WILL BE VIRUS FREE, IT BEING YOUR RESPONSIBILITY TO CHECK FOR VIRUSES

(G) ANY DELAY OR INABILITY TO USE THIS WEBSITE

(H) ANY INFORMATION, PRODUCTS, AND SERVICES OBTAINED THROUGH THIS WEBSITE, OR OTHERWISE ARISING OUT OF THE USE OF THIS WEBSITE

WITHOUT PREJUDICE TO THE FOREGOING, PCF BANK AND/OR ITS SUPPLIERS HEREBY DISCLAIM ALL WARRANTIES, REPRESENTATIONS, TERMS AND CONDITIONS WITH REGARD TO SUCH GOODS, INFORMATION, PRODUCTS, AND SERVICES, INCLUDING BUT NOT LIMITED TO ALL WARRANTIES, TERMS AND CONDITIONS, IMPLIED OR EXPRESSED BY STATUTE, COLLATERALLY OR OTHERWISE. 

WITHOUT PREJUDICE TO THE FOREGOING, IN NO EVENT SHALL PCF BANK AND/OR ITS SUPPLIERS BE LIABLE FOR ANY (I) LOSS OF PROFITS, SALES, BUSINESS OR REVENUE (II) BUSINESS INTERRUPTION (III) LOSS OF ANTICIPATED SAVINGS (IV) LOSS OF BUSINESS OPPORTUNITY, GOODWILL OR REPUTATION OR (V) OR ANY OTHER INDIRECT, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL DAMAGES ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OF THIS WEBSITE OR ANY OF THE FOREGOING MATTERS, WHETHER BASED ON CONTRACT, TORT, DELICT, STRICT LIABILITY OR OTHERWISE, EVEN IF PCF BANK HAS BEEN ADVISED OF THE POSSIBILITY OF DAMAGES.

FURTHERMORE, PCF BANK AND/OR ITS SUPPLIERS SHALL NOT BE LIABLE FOR ANY LOSS OR DAMAGE, WHETHER IN CONTRACT OR TORT (INCLUDING NEGLIGENCE) BREACH OF STATUTORY DUTY, OR OTHERWISE EVEN IF FORESEEABLE ARISING UNDER OR IN CONNECTION WITH (I) USE OF OR INABILITY TO USE THIS WEBSITE OR (II) USE OF OR RELIANCE ON ANY CONTENT DISPLAYED ON THIS WEBSITE.

THIS DOES NOT AFFECT YOUR STATUTORY RIGHTS AS A CONSUMER AND THE ABOVE TERMS APPLY EXCEPT INSOFAR AS LIABILITY CANNOT BE EXCLUDED BY LAW.

NO UNLAWFUL OR PROHIBITED USE

As a condition of your use of this Website, you warrant to PCF BANK that you will not use this Website for any purpose that is unlawful or prohibited by these terms, conditions and notices. 

LINKS TO THIRD PARTY SITES

This Website may contain hyperlinks to websites operated by other than PCF BANK. Such hyperlinks are provided for your reference only. PCF BANK does not control such websites and is not responsible for their contents. PCF BANK 's inclusion of hyperlinks to such websites does not imply any endorsement of the material on such websites or any association with their operators.

MODIFICATION OF THESE TERMS AND CONDITIONS

PCF BANK reserves the right to change the Terms under which this web site is offered and you should check the current version of the Terms prior to undertaking any transaction. This right shall not affect the existing Terms accepted by you upon undertaking a legitimate transaction using this Website. 

GENERAL

This agreement is governed by the laws of England. You hereby consent to the exclusive jurisdiction of the English courts in all disputes arising out of or relating to the use of this Website. Use of this Website is unauthorised in any jurisdiction that does not give effect to all provisions of these terms and conditions, including without limitation this paragraph. 

You agree that no joint venture, partnership, employment, or similar relationship exists between you and PCF BANK as a result of this agreement or use of this Website.

You agree and warrant that you have not taken and will not take a fee from any person you propose to PCF BANK for arranging finance or insurance for them and also that you have informed any person you propose for finance or insurance that you may receive an introductory fee from PCF BANK or an intermediary.

PCF BANK 's performance of this agreement is subject to existing laws, Regulations made by Regulatory Authorities, such as the Financial Conduct Authority and to legal process, and nothing contained in these Terms is in derogation of PCF BANK 's right to comply with law enforcement requests or requirements (including those of Regulatory Authorities) relating to your use of this Website or information provided to or gathered by PCF BANK with respect to such use.

If any part of these Terms is determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and liability limitations set forth above, then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of the Terms shall continue in effect.

The agreement constituted by your acceptance of the Terms constitutes the entire agreement between the user and PCF BANK with respect to this Website and it supersedes all prior or contemporaneous communications and proposals, whether electronic, oral, or written, between the user and PCF BANK and with respect to this Website. A printed version of such agreement and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to this agreement to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form. You will be responsible for all charges, fees, duties, taxes and assessments arising out of your use of this Website or any credit card or other payment facility.