Terms & Conditions
PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY BEFORE USING THIS SITE
OTHER APPLICABLE TERMS
Acceptable Use Policy. Our Acceptable use policy which sets out the permitted uses and prohibited uses of our site. When using our site, you must comply with this Acceptable Use Policy.
CHANGES TO OUR WEBSITE
We may update our site from time to time, and may change the content at any time. However, please note that any of the content on our site may be out of date at any given time, and we are under no obligation to update it.
We do not guarantee that our site, or any content on it, will be free from errors or omissions.
TERMS & CONDITIONS
All rights, including copyright and database rights, in AskIf’s website and its contents, are owned by or licensed to Ask Inclusive Finance Ltd, or otherwise used by Ask Inclusive Finance Ltd as permitted by applicable law.
©Copyright 2016 – 2018 Ask Inclusive Finance Ltd. All rights reserved.
ACCESSING OUR WEBSITE
Our website is made available free of charge.
We do not guarantee that our website, or any content on it, will always be available or be uninterrupted. Access to our website is permitted on a temporary basis. We may suspend, withdraw, discontinue or change all or any part of our website without notice. We will not be liable to you if for any reason our website is unavailable at any time or for any period.
You are responsible for making all arrangements necessary for you to have access to our website.
Got a question? Email us at [email protected]
YOUR ACCOUNT AND PASSWORD
If 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.
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]
INTELLECTUAL PROPERTY RIGHTS
We are the owner or the licensee of all intellectual property rights in our website, and in the material published on it. Those works are protected by copyright laws and treaties around the world. All such rights are reserved.
You may print off one copy, and may download extracts, of any page(s) from our website for your personal use and you may draw the attention of others within your organisation to content posted on our website.
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.
Our status (and that of any identified contributors) as the authors of content on our website must always be acknowledged.
You must not use any part of the content on our website for commercial purposes without obtaining a licence to do so from us or our licensors.
NO RELIANCE ON INFORMATION
The content on our website is provided for general information only. It is not intended to amount to advice on which you should rely. You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of the content on our website.
Although we make reasonable efforts to update the information on our website, we make no representations, warranties or guarantees, whether express or implied, that the content on our website is accurate, complete or up-to-date.
LIMITATION OF OUR LIABILITY
To the extent permitted by law, we exclude all conditions, warranties, representations or other terms which may apply to our website or any content on it, whether express or implied.
We will not be liable to any user for any loss or damage, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, even if foreseeable, arising under or in connection with:
- use of, or inability to use, our website; or
- use of or reliance on any content displayed on our website.
If you are a business user, please note that in particular, we will not be liable for:
- loss of profits, sales, business, or revenue;
- business interruption;
- loss of anticipated savings;
- loss of business opportunity, goodwill or reputation; or
- any indirect or consequential loss or damage.
We will not be liable for any loss or damage caused by a virus, distributed denial-of-service attack, or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of our website or to your downloading of any content on it, or on any website linked to it.
We assume no responsibility for the content of websites linked on our website. Such links should not be interpreted as endorsement by us of those linked websites. We will not be liable for any loss or damage that may arise from your use of them.
Different limitations and exclusions of liability will apply to liability arising as a result of the supply of any goods by use to you, which will be set out in our Terms & Conditions
We do not guarantee that our website will be secure or free from bugs or viruses.
You are responsible for configuring your information technology, computer programmes and platform in order to access our website. You should use your own virus protection software.
You must not misuse our website by knowingly introducing viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not attempt to gain unauthorised access to our website, the server on which our website is stored, or any server, computer or database connected to our website. You must not attack our sit website e via a denial-of-service attack or a distributed denial-of service attack. By breaching this provision, you would commit a criminal offence under the Computer Misuse Act 1990. We will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use our website will cease immediately.
LINKING TO OUR WEBSITE
You may link to our home page, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it.
You must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part where none exists.You must not establish a link to our website in any website that is not owned by you.
Our website must not be framed on any other website, nor may you create a link to any part of our website other than the home page.
We reserve the right to withdraw linking permission without notice.
The website in which you are linking must comply in all respects with the content standards set out in our Acceptable Use Policy. If you wish to make any use of content on our website other than that set out above, please contact [email protected]
THIRD PARTY LINKS AND RESOURCES ON OUR WEBSITE
Where our website contains links to other websites and resources provided by third parties, these links are provided for your information only.
We have no control over the contents of those websites or resources.
ANTI-BRIBERY AND CORRUPTION POLICY
Ask Inclusive Finance Limited is committed to apply the highest standards of ethical conduct and integrity in its business activities. Every employee and individual acting on behalf of Ask if is responsible for conducting business honestly and professionally.
AskIf benefits from carrying out business in a transparent and ethical way and by helping to ensure that there is honest, open and fair competition in our sectors. Where there is a level playing, field AskIf can lead the market through innovation and by delivering excellent services to its customers.
AskIf does not tolerate any form of bribery by, or of, its employees or any persons or companies acting for it or on its behalf. The Board and senior management are committed to implementing and enforcing effective systems to prevent, monitor and eliminate bribery, in accordance with the Bribery Act 2010.
AskIf has issued an Anti-Bribery policy in order to prevent and prohibit bribery and corruption. The Anti Bribery policy applies to all employees and they are required to familiarise themselves and comply with the policy.
A bribe is a financial advantage or other reward that is offered to, given to, or received by an individual or company (whether directly or indirectly) to induce or influence that individual or company to perform public or corporate functions or duties improperly.
Employees and others acting for or on behalf of AskIf are strictly prohibited from making, soliciting or receiving any bribes or unauthorised payments. As part of its Anti-bribery measures, AskIf is committed to engage only in transparent, proportionate, reasonable and legitimate hospitality and promotional expenditure.
A breach of AskIf anti bribery policy by an employee will be treated as grounds for disciplinary action, which may result in a finding of gross misconduct and immediate dismissal. Employees and other individuals acting for Ask if should note that bribery is a criminal offence that may result in up to 10 years’ imprisonment and/or an unlimited fine for the individual and an unlimited fine for AskIf.
AskIf will not conduct business with service providers, agents or representatives that do not support the firm’s anti-bribery and corruption objectives.
The success of AskIf’s anti-bribery measures depends on everyone playing their part in helping to detect and eradicate bribery. Therefore, all employees and others acting for, or on behalf of AskIf are encouraged to report any suspicious activity to the Whistle Blowing Officer Joanna Campbell. AskIf Board members will support any individuals who make such a report in good faith. AskIf does not hold any responsibility for contractors or agents whom act on their own initiative and do not comply with the firm’s anti bribery policy despite agreeing to do so, and reserves the right not to deal with any persons or firms who do not agree to the firm’s anti bribery policy. Acceptance of our policy is deemed as acceptance of compliance with the firm’s policy.
2. CUSTOMER TERMS & CONDITIONS
ACCOUNT TERMS AND CONDITIONS FOR UK CORPORATE CUSTOMERS
12. OTHER LEGAL TERMS
12.1 If any provision of these Terms and Conditions is illegal, invalid or unenforceable, this will not affect or impair the legality, validity or enforceability of the remaining provisions of these Terms and Conditions.
12.2 Our failure to exercise or delay in exercising a right or remedy provided under these Terms and Conditions will not constitute a waiver of that right or remedy.
12.4 These Terms and Conditions and any dispute or claim arising out of or in connection with these Terms and Conditions (including non-contractual disputes or claims) are governed by and shall be construed in accordance with English law. The parties submit to the non-exclusive jurisdiction of the English courts for all purposes relating to and in connection with these Terms and Conditions and any such dispute or claim referred to in Clause 12.3.
11. CHANGES TO THESE TERMS AND CONDITIONS
We may change these Terms and Conditions from time to time. If we do, these changes will be posted on the Terms page of www.askif.co.uk and, where appropriate will be notified to you by email.
10.1 Subject to Clause 10.3, we will not be liable to you for:
(a) any indirect or consequential loss;
(b) any loss of goodwill, reputation or opportunity;
(c) any loss of profit or revenue; or
(d) any loss of or corruption of data,
arising out of or in connection with these Terms and Conditions or any breach or non-performance of them no matter how fundamental (including by reason of our negligence).
10.2 Subject to Clause 10.3, our total and aggregate liability arising under or in connection with these Terms and Conditions or as a result of any breach or non-performance of them no matter how fundamental (including by reason of our negligence) in contract, tort or otherwise shall not exceed £100.
10.3 Notwithstanding any contrary provision in these Terms and Conditions, neither party limits or excludes its liability in respect of:
(a) any death or personal injury caused by its negligence;
(b) fraud or fraudulent misrepresentation; or
(c) any other liability which cannot be excluded under applicable law.
9.1 You may terminate these Terms and Conditions at any time on notice to us.
9.2 We may terminate these Terms and Conditions at any time on notice to you.
9.3 If these Terms and Conditions are terminated, we shall terminate your access to the Service and close your account.
9.4 You acknowledge that, potentially, the termination of these Terms and Conditions may affect your dealings with a Lending Partner (including any loan applications which are in progress). Any loan agreements which have already been concluded between you and a Lending Partner at the termination date, however, will be unaffected.
8. SUSPENSION OF ACCESS
We may, on notice to you, suspend your access to the Service if you are in breach of these Terms and Conditions.
7. INTELLECTUAL PROPERTY
7.1 All intellectual property rights in the Service belong to us or our licensors. You will not acquire any intellectual property rights in the Service, except as set out in these Terms and Conditions.
7.2 We grant you a non-exclusive, non-transferable licence to use our technology platform for the purpose of receiving the benefit of the Service.
We will not charge you any fees for using the Service. However, if you enter into a loan agreement with a Lending Partner, they may charge you fees in accordance with that agreement.
5. YOUR OBLIGATIONS
5.1 In order to use the Service, you will be asked to provide certain information to us, including information about your business, persons involved in your business and your loan requirements.
5.2 You warrant and represent that:
(a) the information you provide to us is true, complete and not misleading; and
(b) if such information contains information about a person, you have obtained that person’s consent to:
(i) disclose such information to us for the purposes of the Service; and
(ii) us performing identity verification, anti-fraud, anti-money laundering and credit reference checks on the person(s) using the information you have provided to us.
When we ask you for information we endeavour to tell you what we need that information for, so that you can ensure that you have the right consent from the person(s) affected.
5.3 You must not:
(a) sell, rent, licence or distribute the Service;
(b) allow third parties to use the Service;
(c) use the Service for illegal or fraudulent purposes;
(d) use the Service in a way that infringes intellectual property rights;
(e) copy, alter, modify, decompile or reverse engineer the Service; or
(f) knowingly introduce viruses, worms, spyware, adware or other harmful code into the Service.
5.4 You acknowledge that the information you provide us may be used in case studies that we use to illustrate the Service to third parties, but that any information will be used only as anonymised to prevent you or your business being identifiable, unless we contact you directly and ask you for your permission.
5.5 You acknowledge that we may ask you for feedback on the Service and so that we can continue to improve the Services. If you provide this information we will ask you if you wish to contribute it anonymously or have it attributed to you. In all instances we will use this information only for our own marketing purposes.
4. PERFORMANCE OF THE SERVICE
4.1 You acknowledge that:
(a) the Service is provided on an “as is” basis i.e. the service you can see and access is the service we provide;
(b) we may make changes to the Service in our sole discretion e.g. improvements to the system
(c) the Service, or parts of the Service, may not be available at times e.g for system maintenance; and
(d) we may suspend your access to the Service, or parts of the Service, as necessary for operational or commercial reasons e.g. if we believe an application is fraudulent.
4.2 The express terms of these Terms and Conditions are in lieu of all warranties, terms, conditions, undertakings, representations and obligations implied by statute, common law, trade usage, course of dealing or otherwise, all of which are hereby excluded to the fullest extent permitted by law.
3. ACCESS TO THE SERVICE
3.1 In order to access the Service, you must register and create an account with us.
3.3 You may access the Service by signing into your account through our website (http://askif.co.uk).
3.4 During the period that you are accessing the Service, you may also have correspondence or dealings with one or more Lending Partners. Each Lending Partner may have their own terms and conditions and you should familiarise yourself with these terms and conditions as they are separate and additional to the Terms and Conditions as set out in this document.
2. OUR SERVICE
2.1 Our service is a two-fold one, and together each service comprises the entire “Service”: The first service is to provide a software platform to enable you to make your loan application online and to enable the lending partner to interact with you through the application process in an efficient way. Through providing this Service to you, our platform will be collecting information from you on behalf of one or more of the providers of credit we have teamed up with for this purpose (the “Lending Partner”).
2.2 If you have applied directly through askif.co.uk, the second element (which goes to make up the entire Service), is that we will attempt to match your application with one or more Lending Partners, whose lending criteria most closely matches your business’s circumstances. This is in order to help you (or your business) access a loan from the most likely source. In order to provide the Service to you, the platform will be collecting information from you (on behalf of the Lending Partner). The part of the Service which matches a loan application to a Lending Partner is only applicable to incorporated businesses.
2.3 If the Service matches you with a Lending Partner, it will be the responsibility of the Lending Partner to work with you to progress your loan application from that point onwards. Our process of matching you with one or more Lending Partners is undertaken according to several criteria. Having made your application, you acknowledge that we make no representation nor give any warranty that the Lending Partner will be able to make or facilitate a loan to you as a result of our matching process.
2.4 It is important for you to know that we ourselves do not provide loans or other financial products or financial advice. Our role is simply to connect you with a Lending Partner who will then work with you to progress your loan application. Any decisions about whether to offer a loan and, if so, on what terms is solely for the Lending Partner. We have no responsibility or liability for those decisions. WE ARE NOT REGULATED BY THE FINANCIAL CONDUCT AUTHORITY. You should check directly with the Lending Partner to see whether it is regulated by the Financial Conduct Authority.
2.5 If you have any queries or complaints about either the conduct of a Lending Partner, or your loan agreement with a Lending Partner, you should contact the Lending Partner directly. We will not be liable to you in any way for the conduct of Lending Partners or in connection with your loan agreement with a particular Lending Partner.
1. INFORMATION ABOUT US
We are Ask Inclusive Finance Limited (“AskIf”), a company registered in England and Wales.
Our company registration number is 10020883 and our registered office is at Fryern House, 125 Winchester Road, Chandler’s Ford, Hampshire, England, SO53 2DR. All references to “we”, “us” or “our” refer to AskIf.
These terms and conditions (the “Terms and Conditions”) apply to incorporated entities (including Limited Companies) and so all references to “you” or “your” refer to the entity that enters into these Terms and Conditions, not any individual person.
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 and Conditions should be addressed to [email protected]
or 020 3176 7633.