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T&Cs

WEBSITE TERMS AND CONDITIONS

PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY BEFORE USING THIS SITE

WHAT’S IN THESE TERMS AND CONDITIONS?

Welcome! These Terms and Conditions tell you the rules for using our website p2pfinancenews.co.uk, a place to find news on the peer-to-peer lending sector (our site).

WHO WE ARE AND HOW TO CONTACT US

p2pfinancenews.co.uk is a site operated by Royal Crescent Publishing Ltd (“We”). We are registered in England and Wales under company number 10102837 and have our registered office at Green Park House, 15 Stratton St, Mayfair, London W1J 8LQ. Our VAT number is 248908761. We are a limited company.

To contact us, please email info@p2pfinancenews.co.uk or contact us through the ‘Contact Us’ link on our site, at https://p2pfinancenews.co.uk/contact.

BY USING OUR SITE YOU ACCEPT THESE TERMS AND CONDITIONS

By using our site, you confirm that you accept these Terms and Conditions and that you agree to comply with them.

You will be deemed to have agreed to be bound by these Terms and Conditions when you use, access or browse the site, register your details with us or subscribe for email or online services or send us an email.

If you do not agree to these Terms and Conditions, you must not use our site.

We recommend that you print a copy of these Terms and Conditions for future reference.

OUR PRIVACY POLICY MAY APPLY TO YOU

These Terms and Conditions refer to the following additional terms, which also apply to your use of our site:

Our Privacy Policy, which sets out how we process any personal data we collect from you, or that you provide to us, our legal basis for processing your data and other information as required under data protection legislation. By using our site, you acknowledge that we will process your data and you warrant that all data provided by you is accurate.

WE MAY MAKE CHANGES TO THESE TERMS AND CONDITIONS

We amend these Terms and Conditions from time to time. Every time you wish to use our site, please check these Terms and Conditions to ensure you understand the Terms and Conditions that apply at that time. These terms were most recently updated on 28 February 2022.

WE MAY SUSPEND OR WITHDRAW OUR SITE

Our site is made available free of charge, except in relation to any material available to Subscribers only.

We do not guarantee that our site, or any content on it, will always be available or be uninterrupted. We may suspend or withdraw or restrict the availability of all or any part of our site for business and operational reasons. We will try to give you reasonable notice of any suspension or withdrawal.

You are also responsible for ensuring that all persons who access our site through your internet connection are aware of these Terms and Conditions and other applicable terms and conditions, and that they comply with them.

SUBSCRIPTIONS

Access to our email services and to some areas of the site (“Paid Content”) is restricted to users who have registered their details with us (“Subscribers”). Subscribers can be one of two categories:

  1. Private individuals who require a single Subscription (“Individual Subscribers”).

Individual Subscribers can choose between two subscription types:

a) a Weekly Subscription, which provides them with unlimited access to the Paid Content, on a recurring weekly basis from the start date of their Subscription, until cancelled; or

b) an Annual Subscription, which provides them with unlimited access to the Paid Content for an entire calendar year, from the start date of their Subscription, as well as a paper copy of our magazine each month.

  1. Organisations who require a Corporate Subscription for their employees (“Corporate Subscribers”).

Corporate Subscribers receive unlimited digital access to the Paid Content for all their employees. Corporate Subscribers based in the United Kingdom are also entitled to up to 20 paper copies of our magazine per month.

Subscribers must not use a false name or email or provide any false information, nor impersonate another person when registering for use of the site and our email services. Subscribers shall not share or disclose to any third party their username and password for the site, nor allow any third party to use their password to gain access to the areas and services for Subscribers only. Violation of these terms will result in a  termination or suspension of the Subscription in question.

You may purchase a Subscription and become a Subscriber by submitting an order via https://p2pfinancenews.co.uk/subscribe/. We can only accept an order when we have successfully processed the payment details and emailed the Subscriber to confirm this. If we do not receive payment authorisation or any authorisation is subsequently cancelled, we may immediately terminate or suspend the Subscription.

TRIAL MECHANISM

Where you are not a Subscriber, you will only be entitled to access three articles hosted on the site (which would otherwise amount to Paid Content) per month. For the purpose of confirming your compliance with these Terms and Conditions, we reserve the right to monitor and record activity on the Site and Paid Content. Using technological tools for the sole purpose of circumventing this limit is prohibited and would amount to a breach of these Terms and Conditions.

PRICING

The fees (“Subscription Fees”) for the different subscription types shall be as follows:

  • Weekly Subscriptions cost £1.95 per week, paid weekly;
  • Annual Subscriptions cost £95 per year, paid annually;
  • Corporate Subscriptions cost £298.80 per year, paid annually.

Subscribers agree to pay the Subscription Fees applicable to their subscription type upon commencement of their Subscription.  Payment of the Subscription Fees is made during the Subscription process, via Paypal, Credit or Debit card.

Unless otherwise indicated, the Subscription Fees stated are inclusive of any applicable value added tax (VAT) or other sales taxes. The breakdown of any VAT will be indicated on the relevant invoice.

We reserve the right to vary the Subscription Fees applicable to new Subscriptions from time to time. If this is the case, we will always update any existing Subscribers before their current Subscription is up for renewal.

RENEWALS

Unless you notify us before the end of your current Subscription term that you wish to cancel, your subscription will continue to renew for further equivalent periods and will be subject to these Terms and Conditions. We will charge the subscription using the same card or other payment method that you previously used.

CANCELLATION RIGHTS

Weekly Subscriptions

By placing your order for an Weekly Subscription, you agree that we may start your Subscription immediately upon our acceptance of your order and that you waive your statutory right to cancel our contract within 14 days of our confirmation email.

This means that you lose your right to cancel this contract once we have provided confirmation via email of your Subscription and that any notice of cancellation that you provide (whether before or after the 14-day period) will only take effect at the end of your current Subscription Period. Any refunds for cancellations by you are not guaranteed and are solely dependent on our discretion.

Annual Subscriptions

You have the right to cancel our contract for an Annual Subscription within 14 days of our confirmation email without giving any reason. To exercise this right, you can email your request at info@p2pfinancenews.co.uk.

General

We may suspend or terminate your Subscription if we are prevented from providing services to you by circumstances beyond our control. If this is the case, you will receive a pro-rata refund for any outstanding period remaining of your Subscription.

We may also suspend or terminate your Subscription, without refund, if you breach these Terms and Conditions.

HOW YOU MAY USE MATERIAL ON OUR SITE

We are the owner or the licensee of all intellectual property rights in our site, 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 site for your personal use and you may draw the attention of others within your organisation to content posted on our site.

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 site must always be acknowledged.

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

You also agree:

Not to duplicate, copy or re-sell any part of our site; and

Not to access without authority, interfere with, damage or disrupt:

any part of our site;

any equipment or network on which our site is stored;

any software used in the provision of our site; or

any equipment or network or software owned or used by any third party.

DO NOT RELY ON INFORMATION ON THIS SITE

The content on our site 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 site, including making any peer-to-peer lending or borrowing decisions.

Although we make reasonable efforts to update the information on our site, we make no representations, warranties or guarantees, whether express or implied, that the content on our site is accurate, complete or up to date.

PAPER EDITIONS

For Subscribers with an Annual or a Corporate Subscription, we will deliver your magazines to the address you provided upon completion of the sign-up process. We do not guarantee delivery to non-secure locations.  Any special delivery requests may be printed on your magazine and seen by third parties, and we cannot guarantee that these requests will be fulfilled.

If you do not receive your magazine on the expected delivery date, please contact us within 7 days of the expected receipt.

If you wish to change your address for home delivery then please contact us at least 14 days before the date on which you wish your change of address to take effect.

WE ARE NOT RESPONSIBLE FOR WEBSITES WE LINK TO

Where our site contains links to other sites and resources provided by third parties, these links are provided for your information only. Such links should not be interpreted as approval by us of those linked websites or information you may obtain from them.

We have no control over the contents of those sites or resources.

OUR RESPONSIBILITY FOR LOSS OR DAMAGE SUFFERED BY YOU

Whether you are an Individual or Corporate Subscriber:

* We do not exclude or limit in any way our liability to you where it would be unlawful to do so. This includes liability for death or personal injury caused by our negligence or the negligence of our employees, agents or subcontractors and for fraud or fraudulent misrepresentation.

If you are a Corporate Subscriber:

* We exclude all implied conditions, warranties, representations or other terms that may apply to our site or any content on it.

* We will not be liable to you 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:

  1. use of, or inability to use, our site; or
  2. use of or reliance on any content displayed on our site.

* In particular, we will not be liable for:

  1. loss of profits, sales, business, or revenue;
  2. business interruption;
  3. loss of anticipated savings;
  4. loss of business opportunity, goodwill or reputation; or
  5. any indirect or consequential loss or damage.

If you are an Individual Subscriber, please note that we only provide our site for domestic and private use. You agree not to use our site for any commercial or business purposes, and we have no liability to you for any loss of profit, loss of business, business interruption, or loss of business opportunity.

WE ARE NOT RESPONSIBLE FOR VIRUSES AND YOU MUST NOT INTRODUCE THEM

We do not guarantee that our site will be secure or free from bugs or viruses.

You are responsible for configuring your information technology, computer programmes and platform to access our site. You should use your own virus protection software.

You must not misuse our site by knowingly introducing viruses, trojans, worms, logic bombs or other material that is malicious or technologically harmful. You must not attempt to gain unauthorised access to our site, the server on which our site is stored or any server, computer or database connected to our site. You must not attack our site 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 site will cease immediately.

RULES ABOUT LINKING TO OUR SITE

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 site in any website that is not owned by you.

Our site must not be framed on any other site, nor may you create a link to any part of our site other than the home page.

We reserve the right to withdraw linking permission without notice.

If you wish to link to or make any use of content on our site other than that set out above, please contact info@p2pfinancenews.co.uk

WHICH COUNTRY’S LAWS APPLY TO ANY DISPUTES?

If you are a consumer, please note that these Terms and Conditions, their subject matter and their formation, are governed by English law. You and we both agree that the courts of England and Wales will have exclusive jurisdiction except that if you are a resident of Northern Ireland you may also bring proceedings in Northern Ireland, and if you are resident of Scotland, you may also bring proceedings in Scotland.

If you are a business, these Terms and Conditions, their subject matter and their formation (and any non-contractual disputes or claims) are governed by English law. We both agree to the exclusive jurisdiction of the courts of England and Wales.

OUR TRADE MARKS

Peer2Peer Finance News is a trade mark of Royal Crescent Publishing Ltd. You are not permitted to use it without our approval.