Website Terms and Conditions

Last updated: [PLACEHOLDER: date of last review]. These terms cover use of the website only. They do not govern any finance facility: a facility is always subject to the separate written agreement between you and the provider.

1. Who we are and how to contact us

The website at debtfactoring.org.uk (the "website") is operated by [PLACEHOLDER: full legal name of the trading entity], trading as Debt Factoring ("we", "us", "our").

• Company registration number: [PLACEHOLDER: Companies House number, or state sole trader or partnership]
• Registered office: [PLACEHOLDER: registered office address]
• VAT number: [PLACEHOLDER: VAT registration number, if registered]
• Email: [PLACEHOLDER: contact email address]

You can also reach us through the contact form.

2. Using the website

The website is made available free of charge to people in the United Kingdom who are interested in debt factoring, invoice factoring and invoice finance for a business. We do not guarantee that it is appropriate for use elsewhere, and we may restrict access from outside the UK.

We do not guarantee that the website, or any content on it, will always be available or uninterrupted. We may suspend, withdraw or change all or any part of the website without notice. We will not be liable to you if the website is unavailable at any time or for any period.

You are responsible for making the arrangements needed to access the website, and for ensuring that anyone who accesses it through your internet connection is aware of these terms and complies with them.

3. Information only: not advice, not an offer

Everything on the website is general information about how invoice finance products work in the UK market. It is provided to help you understand your options before you speak to a provider or professional adviser.

• Not financial advice. Nothing on the website is, or should be treated as, financial, legal, tax or accountancy advice, or as a recommendation that a particular product is suitable for your business. You should take independent professional advice before entering into any finance facility.
• Not an offer. Nothing on the website is an offer, or an invitation to treat, for the provision of finance. No contract for finance can be formed through the website. Any facility is subject to the provider's own assessment, status checks, terms and documentation.
• Not a lender. We do not lend money, provide invoice finance or take any credit risk. We are an independent information and enquiry service. Our relationship with the organisation that receives enquiries is described on our regulatory information page.
• Not FCA regulated advice. Invoice finance and factoring provided to limited companies and LLPs are not regulated by the Financial Conduct Authority. Different rules can apply to sole traders and small partnerships, as explained in our guide on whether invoice finance is regulated.

4. Accuracy of content and illustrative figures

We take care to keep the website accurate and up to date, but the invoice finance market changes constantly and we cannot promise that every statement is complete, correct or current at the moment you read it. Content is provided "as is" and we make no representations or warranties, express or implied, about it.

In particular:

• Advance rates, service fees, discount charges, minimum turnover levels, contract terms and other figures are published market ranges or typical examples, not the terms of any specific provider and not an offer from us.
• Worked examples and the invoice factoring calculator produce illustrative estimates only. They do not represent a finance offer, are not a quotation and must not be relied on for any decision. Actual costs depend on the provider, your business and the terms agreed.
• References to legislation, regulatory guidance, industry standards and statistics are accurate to the best of our knowledge at the date shown on the relevant page, but may since have changed.

If you spot an error, please tell us through the contact form and we will correct it.

5. Enquiries and quote requests

The website lets you submit an enquiry through the quote request form or the contact form. When you do so:

• you confirm that the information you give is accurate and that you are authorised to provide it on behalf of the business named;
• you agree that we may pass your enquiry to [PLACEHOLDER: the finance provider or FCA-authorised intermediary that receives enquiries] so that it can contact you, as described in our privacy policy;
• you understand that submitting an enquiry does not create a contract with us or with any provider, does not guarantee that you will receive a quotation, and does not guarantee that any facility will be offered, on any terms or at all;
• you understand that any quotation, terms or facility comes from the provider, not from us, and that we are not party to any agreement between you and a provider;
• you understand that we do not assess suitability, carry out credit checks or negotiate on your behalf. [PLACEHOLDER: amend if the business does carry out any of these activities]

We aim to acknowledge enquiries within [PLACEHOLDER: e.g. one working day] but this is a target, not a commitment.

Where we receive a fee or commission from a provider or intermediary in connection with an enquiry, this is disclosed on our regulatory information page. [PLACEHOLDER: confirm remuneration arrangements]

6. Intellectual property

We own, or are licensed to use, all intellectual property rights in the website and its content, including text, graphics, diagrams, the calculator, page layouts, logos and underlying code. These are protected by copyright, database right, trade mark law and other laws in the UK and elsewhere.

You may view, print and download extracts from the website for your own business purposes, provided you do not modify them and you keep any copyright notices. You must not:

• reproduce, republish, distribute or commercially exploit any content without our prior written permission;
• use any content in a way that suggests we endorse you or your business;
• remove or obscure any attribution, branding or notices;
• use automated tools to scrape, copy or extract content at scale, other than search-engine indexing in accordance with our robots directives.

"Debt Factoring" and the Debt Factoring logo are our trading name and brand. [PLACEHOLDER: state whether any trade mark is registered]. Third-party names mentioned on the website, including UK Finance, the Financial Conduct Authority and individual providers, belong to their owners and are used for identification only.

7. Acceptable use

You may use the website only for lawful purposes. You must not:

• use it in any way that breaches any applicable law or regulation, or that is fraudulent or misleading;
• submit enquiries that are false, that relate to a business you are not authorised to represent, or that are made to test, probe or disrupt our processes;
• send or upload anything that contains viruses, malicious code or harmful material, or attempt to gain unauthorised access to the website, its server or any connected system;
• carry out denial-of-service attacks, excessive automated requests or anything that impairs the site's performance for others;
• use the website to send unsolicited marketing or to harvest contact details;
• frame the website or create links that misrepresent our relationship with you or that damage our reputation.

Breach of this section may be a criminal offence under the Computer Misuse Act 1990. We may report any breach to the relevant authorities and will cooperate with them by disclosing your identity. We may also stop you using the website and take legal action.

You may link to our home page or any public page in a fair and legal way that does not damage our reputation or take advantage of it. We may withdraw linking permission at any time.

8. Third-party links and content

The website contains links to third-party websites, including UK Finance, the Financial Conduct Authority, gov.uk, the British Business Bank and the Information Commissioner's Office. These links are provided for information only. We have no control over those sites, we do not endorse their content and we accept no responsibility for them or for any loss arising from your use of them.

When you submit an enquiry you may be contacted by, and go on to deal with, a finance provider or intermediary. Your dealings with that organisation are governed solely by its own terms, and we are not responsible for its acts, omissions, products, pricing or service. Complaints about a provider should be made to that provider; see our complaints information page.

9. Our liability to you

Nothing in these terms excludes or limits our liability for death or personal injury caused by our negligence, for fraud or fraudulent misrepresentation, or for any other liability that cannot be excluded or limited by English law.

9.1 If you are a business user

If you use the website for purposes connected with a trade, business, craft or profession (which we expect to be the case for almost all visitors):

• we exclude all implied conditions, warranties, representations and other terms that may apply to the website or its content;
• we will not be liable to you for any loss or damage, whether in contract, tort (including negligence), breach of statutory duty or otherwise, arising under or in connection with your use of or inability to use the website, or your reliance on any content, including any loss of profits, sales, business, revenue, anticipated savings, business opportunity, goodwill or data, and any indirect or consequential loss;
• in particular, we will not be liable for any decision you make, or any facility you enter into or decline, on the basis of information on the website, or for any delay, refusal or terms of any provider.

9.2 If you are a consumer

If you use the website as a consumer (that is, wholly or mainly outside your trade, business, craft or profession), the website is provided for domestic and private use only and you agree not to use it for any commercial purpose. We are not liable to you for any business loss. Nothing in these terms affects your statutory rights under the Consumer Rights Act 2015, and where that Act applies we will provide the website with reasonable care and skill. We are responsible for foreseeable loss caused by our breach of these terms or our failure to use reasonable care and skill, but not for loss that is not foreseeable.

9.3 Viruses and security

We do not guarantee that the website will be secure or free from bugs or viruses. You are responsible for configuring your own equipment and virus protection to access it.

10. Privacy and cookies

Our privacy policy explains how we use personal data collected through the website. Our cookie policy explains which cookies, if any, the website sets. Both form part of these terms.

11. Changes to these terms

We may revise these terms at any time by amending this page. Please check it from time to time: the version in force when you use the website is the one that applies. The date at the top of the page shows when the terms were last revised. [PLACEHOLDER: confirm whether material changes will also be flagged in a site notice]

12. General

• If any part of these terms is found by a court to be invalid or unenforceable, the remaining parts continue in full force.
• If we do not insist immediately that you do anything you are required to do under these terms, or delay in taking steps against you, that does not mean you do not have to do it and does not prevent us taking steps later.
• These terms are between you and us. No other person has any right to enforce them under the Contracts (Rights of Third Parties) Act 1999.
• We may transfer our rights and obligations under these terms to another organisation, for example if the business is sold. We will tell you on this page if that happens.

13. Governing law and jurisdiction

These terms, their subject matter and their formation are governed by the law of England and Wales. [PLACEHOLDER: confirm England and Wales, or amend if the entity is established in Scotland or Northern Ireland]

If you are a business user, you and we agree that the courts of England and Wales have exclusive jurisdiction over any dispute. If you are a consumer, you may bring proceedings in England and Wales or, if you live in Scotland or Northern Ireland, in the courts of the nation where you live.

14. Contact

Questions about these terms should be sent to [PLACEHOLDER: contact email address] or by post to [PLACEHOLDER: postal address]. You can also use the contact form.

See also our privacy policy, cookie policy, complaints information and regulatory information.