1 TERMS OF WEBSITE USE
2 INFORMATION ABOUT US
2.1 The Company is a US registered Limited Liability Company (LLC). Its registration number is L12963280 and its registered office is at Suite 300, 7144 East Stetson Drive, Scottsdale, Arizona, AZ 85251, United States.
2.2 The Company is a computerised marketing and advertising service business carrying out the business of credit brokerage in the United Kingdom. The Company does not make loans or credit decisions.
2.3 We are regulated by the Office of Fair Trading under the Consumer Credit Act 1974; holding a consumer credit licence for the purpose of carrying out the business of credit brokerage, licence number 0647419.
2.4 We are registered with the Information Commissioner’s Office in compliance with the Data Protection Act of 1998. Our registration number is Z3028214.
3.1 The Company’s services include advertising other companies’ credit offerings and effecting introductions between borrowers and lenders or other credit brokers (the “Services”). In order to request a consumer credit loan from a selection of lenders, the Company invites you to complete a Service Request Marketing Form and transmits this completed Service Request Marketing Form to credit brokers, lenders and/or third party marketing partners (the “Advertising Partners”).
3.2 The Company does not guarantee that completing a Service Request Marketing Form will result in you receiving a loan offer. Your request is not an application for credit from a specific lender or lenders but an expression of your interest in such products. Individual lenders may require you to complete an application.
3.3 The Company does not charge you any fees for the provision of the Services. The Company will generally receive a brokerage fee from its Advertising Partners for the provision of the Services.
3.4 The Company is not a party to any contract made between you and the Advertising Partners for short-term loans. All rights and obligations under the terms of the contract for a short-term loan are solely between you and the Advertising Partners.
4 COMPLETION OF SERVICE REQUEST MARKETING FORM
4.1 By completing the Service Request Marketing Form you authorise the Company to transmit your Service Request Marketing Form to our Advertising Partners.
4.2 By submitting a Service Request Marketing Form you authorise our Advertising Partners to take all such steps as are deemed necessary to independently verify any and all information contained in your Service Request Marketing Form and check your credit worthiness. You understand that these checks may include contacting your employer and contacting Credit Reference Agencies (CRAs).
4.4 The Company does not endorse or recommend the products of any of its Advertising Partners.
5 ACCESSING OUR SITE
5.1 Access to our Site is permitted on a temporary basis, and we reserve the right to withdraw or amend the service we provide on our Site without notice (see below). We will not be liable if for any reason our Site is unavailable at any time or for any period.
5.2 From time to time, we may restrict access to some parts of our Site, or the entirety of our Site, to users who have registered with us.
5.4 You are responsible for making all arrangements necessary for you to have access to our Site. You are also responsible for ensuring that all persons who access our Site through your internet connection are aware of these terms, and that they comply with them.
6 INTELLECTUAL PROPERTY
6.1 Our Site, the content, any materials downloaded, and all intellectual property pertaining to or contained on our Site (including but not limited to copyrights, patents, database rights, graphics, designs, text, logos, trade dress, trademarks and service marks, (collectively “the Content”) are owned by the Company or other third parties and all rights, title and interest therein shall remain the property of the Company and/or such third parties. All Content is protected by copyright, patent and trademark laws, and various other intellectual property rights and unfair competition laws.
6.2 Logos, trademarks, images, etc. are the property of the Company unless otherwise noted and may not be copied, used, linked, disseminated, etc. without the Company’s prior express written approval. Requests for approval should be directed to [email protected] or Attn: Legal Department, Blue Global, LLC, 7144 East Stetson Drive, Suite 300, Scottsdale, Arizona 85251.
6.3 You are authorised solely to view and retain a copy of the pages of our Site for your own personal, non-commercial use. You may also view and make copies of relevant documents, pages, images or other materials on our Site for the purpose of transacting business with the Company.
6.4 You agree that you will not duplicate, publish, modify, create derivative works from, participate in the transfer of, post on the World Wide Web, or in any way distribute or exploit our Site, or any portion of our Site for any public or commercial use without the express written consent of the Company.
6.5 Additionally, you agree that you will not (i) remove or alter any author, trademark or other proprietary notice or legend displayed on our Site (or printed pages produced from our Site); and (ii) make any other modifications to any documents obtained from our Site other than in connection with completing information required to transact business with the Company.
7 SITE SECURITY
7.1 You must not misuse our Site 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 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.
7.2 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.
7.3 We will not be liable for any loss or damage caused by a distributed denial-of-service attack, viruses or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of our Site or to your downloading of any material posted on it, or on any website linked to it.
8.3 Additionally, by using our Site, you acknowledge and agree that Internet transmissions are never completely private or secure. You understand that any message or information you send to our Site may be read or intercepted by others, notwithstanding the Company’s efforts to protect such transmissions.
9.1 The Company does not promise that our Site or any content, document or feature of our Site will be error-free or uninterrupted, or that any defects will be corrected or that your use of our Site will provide specific results.
9.2 The material on our Site could include technical inaccuracies or typographical errors. Our Site and its content are delivered on an “as-is” and “as-available” basis. All information provided on our Site is subject to change without notice. The Company cannot ensure that any files, documents or other data you download from our Site will be free of viruses or contamination or destructive features.
9.3 The Company disclaims all warranties, express or implied, including any warranties of accuracy, non-infringement, merchantability and fitness for a particular purpose.
9.4 The Company does not guarantee that submission of a Service Request Marketing Form will result in you receiving an offer of a loan.
9.5 The Company disclaims any and all liability for the acts, omissions and conduct of any third parties in connection with or related to your use of our Site. You assume total responsibility for your use of our Site and any linked sites.
10 OUR LIABILITY
10.1 The material displayed on our Site is provided without any guarantees, conditions or warranties as to its accuracy. To the extent permitted by law, we, other members of our group of companies and third parties connected to us hereby expressly exclude:
10.1.1 all conditions, warranties and other terms which might otherwise be implied by statute, common law or the law of equity; and
10.1.2 any liability for any direct, indirect or consequential loss or damage incurred by any user in connection with our Site or in connection with the use, inability to use, or results of the use of our Site, any websites linked to it and any materials posted on it, including:
(i) loss of income or revenue;
(ii) loss of business;
(iii) loss of profits or contracts;
(iv) loss of anticipated savings;
(v) loss of data;
(vi) loss of goodwill;
(vii) wasted management or office time; and
(viii) whether caused by tort (including negligence), breach of contract or otherwise, even if foreseeable, provided that this condition shall not prevent claims for loss of or damage to your tangible property or any other claims for direct financial loss that are not excluded by any of the categories set out above.
10.2 This does not affect our liability for death or personal injury arising from our negligence, nor our liability for fraudulent misrepresentation or misrepresentation as to a fundamental matter, nor any other liability which cannot be excluded or limited under applicable law.
12 LINKING TO AND FROM OUR SITE
12.1 Our Site may contain links to sites maintained by third parties. The Company is not responsible for the content or privacy policies of those sites, and the existence of such links should not be considered an endorsement or recommendation of those sites or of any product or service offered on those sites or of any party that is associated with those sites.
12.2 Please note that other websites and web pages linked to our Site may be governed by separate terms and conditions, including privacy policies. Please refer to the applicable terms and conditions, including privacy policies of those websites and webpages when visiting them.
12.3 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, but 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.
12.4 You must not establish a link from any website that is not owned by you.
12.5 We reserve the right to withdraw this permission without notice. 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.
12.6 If you wish to make any use of material on our Site other than that set out above, please address your request to [email protected] or Attn: Legal Department, Blue Global, LLC, 7144 East Stetson Drive, Suite 300, Scottsdale, Arizona 85251.
14 LAW AND JURISDICTION
16 YOUR CONCERNS
16.1 If you have any concerns about material which appears on our Site, please contactÂ [email protected] or Attn: Legal Department, Blue Global, LLC, 7144 East Stetson Drive, Suite 300, Scottsdale, Arizona 85251.
17 UNHAPPY WITH OUR SERVICE?
We are committed to providing you the best possible credit brokerage service. But, we know that sometimes we donâ€™t always get things right the first time. So, if for any reason you are not entirely satisfied with any aspect of our credit brokerage service, we would like to hear about it straight away so that we can try to put it right for you and improve our service.
Please note that we cannot deal with complaints regarding the service provider or any lender or broker we may refer you. You will need to take up such complaint directly with them.
17.1 GETTING IN TOUCH WITH US
You can contact us using the following methods:
â€¢ By email: [email protected]
â€¢ In writing: 7144 E. Stetson Drive, Suite 300, Scottsdale, AZ 85251
â€¢ By phone: 001 4803650335
17.2 WHAT WE NEED FROM YOU
So that we can get to the bottom of your complaint straight away we need as much information as possible. To help us resolve your complaint, please provide the following information:
â€¢ A clear description of your complaint
â€¢ What youâ€™d like us to do to put things right
â€¢ Your name, address, telephone number and email address
17.3 GETTING BACK TO YOU
Upon receipt of your complaint we will do our best to resolve your complaint by the end of the next working day. If we need more time to complete our investigation, we will acknowledge that we have received your complaint and keep you regularly updated with our process. Within eight weeks of our receipt of your complaint, we will issue a final response letter to your complaint.
17.4 IF YOUâ€™RE STILL NOT HAPPY
If for some reason we havenâ€™t been able to resolve your complaint within eight weeks, or you are dissatisfied with our final response, you can refer your complaint to the Financial Ombudsman Service. If you receive a final response letter from us and you want to contact the Financial Ombudsman Service, youâ€™ll need to do this within six months of receiving our final response letter.
The Financial Ombudsman Services contact details are below:
The Financial Ombudsman Service
South Quay Plaza
183 Marsh Wall
Telephone: 08450 80 18 00
Email: [email protected]