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Terms and conditions of use
of the Close Premium Finance internet website
This website is owned and maintained by
Close Premium Finance. The use of this website is subject
to the following terms and conditions that you should read carefully.
By using this website you agree to be legally bound by these terms
and conditions.
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Use of
this website
1 The information provided on this website
or in any communication containing a link to this site is for personal
use and information purposes only and is not intended for distribution
to, or use by, any person or entity in any jurisdiction in any country
where such distribution or use would be contrary to law or regulation
or which would subject any member of Close Premium Finance
to any registration requirement within such jurisdiction or country.
Where any opinions are expressed on this website, they are provided
by Close Premium Finance for personal use and for information
purposes only.
2 Unless otherwise stated, the services
and products on this website are intended for use by residents of
the United Kingdom and Ireland only, and are not aimed at or intended
for use by residents of any other jurisdictions.
3 Where any information on this website
constitutes a financial promotion it is issued and approved for
publication and distribution in the United Kingdom and Ireland only.
4 This website is designed to be accessed
through its principal home pages and such other pages as we may
decide. If you access the site through individual pages directly,
which are not designed for this purpose, you may not see important
information that is relevant to information on this website. You
will be referred on certain site pages to read "Terms and Conditions".
This will contain important details and relevant legal or regulatory
information and should be read in conjunction with the relevant
site pages. |
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Exclusion
of liability
5 These 'Exclusion of Liability' provisions
should be read carefully as they exclude or limit our legal liability
in connection with your use of this website. Nothing in these terms
and conditions and in particular within the 'Exclusion of Liability'
clauses shall attempt to exclude liability that is not permissible
to exclude under applicable law, including without limitation, for
death or personal injury, or for fraudulent misrepresentation.
6 Nothing in these terms and conditions
shall exclude or limit or restrict our duties and liabilities to
you under the Financial Services and Markets Act 2000, or any conduct
of business rules which we are bound to comply with.
7 While we have taken all reasonable steps
to ensure the accuracy and completeness of the content of the website,
we exclude any warranties, undertakings or representations (either
express or implied) to the full extent permitted under applicable
law, that the website or (including without limitation) all or any
part of the content or materials, accuracy, availability or completeness
of the content of the website or any part of the content or materials,
are appropriate or available for use either in the United Kingdom
or in other jurisdictions. If you use this website from other jurisdictions,
you are responsible for compliance with applicable local laws.
8 We accept no liability (including without
limitation) in either contract, tort, negligence, statutory duty
or otherwise (to the maximum extent permitted by applicable law)
arising out of the use of or access to this website (which includes
without limitation) any errors or omissions contained in this website
or if the website is unavailable and we shall not be liable for
any direct or indirect:
• economic losses (including without limitation loss of revenues,
data, profits, contracts, use, opportunity, business or anticipated
savings);
• loss of goodwill or reputation; or
• special, incidental, consequential loss or damage,
suffered or incurred arising out of or in connection with your use
of this website and these terms and conditions.
9 Access to and use of this website is
at the user's own risk and we do not warrant that the use of this
website or any material downloaded from it will not cause damage
to any property, or otherwise minimise or eliminate the inherent
risks of the internet including but not limited to loss of data,
computer virus infection, spyware, malicious software, trojans and
worms. Also, we accept no liability in respect of losses or damages
arising out of changes made to the content of this website by unauthorised
third parties.
10 To provide increased value to users
of this website, we may provide links to other websites or resources
(that are not part of Close Premium Finance) for you to
access at your sole discretion. You acknowledge and agree that,
as you have chosen to enter the linked website we are not responsible
for the availability of such external sites or resources, and that
we do not review or endorse and shall not be responsible or liable,
directly or indirectly, for (i) the privacy practices of such websites,
(ii) the content of such websites, including (without limitation)
any advertising, content, products, goods or other materials or
services on or available from such websites or resources or (iii)
the use that others make of these websites or resources, nor for
any damage, loss or offence caused or alleged to be caused by, or
in connection with, the use of or reliance on any such advertising,
content, products, goods or other materials or services available
on such external websites or resources.
11 The above limitation or exclusion may
not apply to you to the extent that applicable law may not allow
the limitation or exclusion of liability for incidental or consequential
damages. |
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Personal
data
12 By agreeing to be bound by these terms
and conditions, you are agreeing to be bound by our Privacy Policy.
Privacy
We (Close Premium Finance) are committed to protecting your
privacy during your visits to the Close Premium Finance website
and recognise our responsibility to keep the information you provide
to us confidential at all times.
Security of your online information
Our website is a general access site with only the i-prompt login
requiring a high level of security. We utilise a range of security
measures for i-prompt, including encryption technology
that ensures your data remains inaccessible to unauthorised people.
i-prompt users need to go through additional layers of security to
access this online facility.
For more details on our security and privacy
statements, please login to i-prompt and access our legal information.
Alternatively, please email marketing@closepf.com
for these details. |
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Copyright
13 © 2006 Close Premium Finance.
All rights, save as expressly granted, are reserved. Reproduction
in any form of any part of the contents of this website without
our prior written consent is prohibited unless for personal use
only. |
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Advice
14 The contents of this website do not purport to provide any
financial, investment or professional advice and nothing on the
pages of this website shall be deemed to constitute financial, investment
or other professional advice in any way. In particular, you may
wish to obtain advice from a qualified expert before making any
investment decision. |
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Changes
to this website
15 The contents of this website, including
these terms and conditions of use, are subject to change by us without
notification. Additionally Close Premium Finance shall not
be obliged to remove any outdated information from the website or
to expressly mark it as being outdated. |
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Telephone
calls
16 Calls may be recorded. |
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Internet
communications
17 In order to maintain the security of
its systems, protect its staff and detect fraud and other crimes,
Close Premium Finance reserves the right to monitor all
internet communications, including web and email traffic, into and
out of its domain. Monitoring includes (without limitation) checks
for viruses and other malignant code, criminal activity, and use
or content that is unauthorised or unlawful or material that may
cause offence in any way. |
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Regulatory
information
18 Close Premium Finance, Registered
in England and Wales (Registered Number 03148163), Registered Office:
10 Crown Place, London, EC2A 4FT. Authorised and regulated by the
Financial Services Authority. Close Premium Finance (a trading
subsidiary of Close Brothers Limited) is entered on the FSA's Register
and its Register number is 124750. The FSA's Register can be accessed
at www.fsa.gov.uk/register.
Close Premium Finance (a trading subsidiary of Close Brothers
Limited) is also Registered under the Consumer Credit Act 1974.
19 Close Premium Finance is a member
of the Financial Services Compensation Scheme ("FSCS").
The Scheme can pay compensation to customers if a regulated firm
is unable to pay claims against it, usually if the firm stops trading
or is insolvent. Compensation limits apply depending on the type
of claim.
20 FSCS can be contacted by telephone on
020 7892 7300 or by writing to FSCS, 7th Floor, Lloyds Chambers,
1 Portsoken Street, London, E1 8BN.
21 If you are not satisfied with the products
or services offered by Close Premium Finance and need to
raise a complaint you can do so by writing to us at Close Premium Finance, 21st Floor, Tolworth Tower, Tolworth, Surrey, KT6
7EL, Attention Head Of Risk alternatively you can call us on 0870
990 7967 or fax 0870 243 0029. Close Premium Finance is
regulated by the Financial Services Authority Complaints Procedure.
As such we will acknowledge all complaints within 5 business days
of receipt. We will then issue a full response within 2 weeks, where
we can not issue a full response we will issue a holding letter
as acknowledgment that your complaint is being investigated. This
will be followed through with a full response letter within 4 weeks.
22. Close Brothers Limited and its subsidiaries, together with all their employees, agency workers and contractors, adhere to the Close Brothers Group Plc Conflict of Interest Policy.
The Group has arrangements in place to identify and manage any conflicts of interest and prevent them from recurring. Where it not possible to ensure there is no risk of damage to clients’ interests, we shall disclose any possible conflict to the client before undertaking business on their behalf.
If you are still not satisfied after
following Close Premium Finance procedures, you can contact
The Financial Ombudsman Service and ask the Ombudsman to review
the complaint. You can write to them at: Financial Ombudsman Service,
South Quay Plaza, 183 Marsh Wall, London E14 9SR or telephone 020
7964 1000. |
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information Enforceability
23 In the event that any provision of these terms and conditions
of use of this website is held unenforceable, it will not affect
the validity and enforceability of the remaining provisions.
Governing law
24 The terms and conditions of use of this website are governed
by the laws of England and any dispute regarding this website shall
be subject to the exclusive jurisdiction of the courts of England
and Wales. |
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Disability
discrimination act
25 We are committed to eliminate on the
grounds of disability any discrimination in the work place and making
all reasonable and practical adjustments to meet the needs of staff,
prospective staff, customers and prospective customers equally.
Our Running Account Credit Agreement (RACA)
is available on Audio and in Braille. To request these or to seek
assistance on any other matters pertaining to the Disability Discrimination
Act please contact our Marketing Department at marketing@closepf.com
or 020 8786 2401. |
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