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WEB SITE TERMS OF USE This web site is owned by Open + Direct Holdings Limited (the "Company"). Your use of this web site is conditional upon your agreeing to these terms. If you do not agree to be bound by these terms you may not use or access this web site. 1. UK RESIDENTS The products and service promoted by, and the information provided on, this web site, are promoted and provided for the benefit of UK RESIDENTS ONLY. The content of this web site may refer to products and services which are not available to your country, or information which is inaccurate to your country. 2. USE This web site is provided by the Company on an "as is" basis without warranty, either express or implied, including, but not limited to, any warranty as to title or merchantability and fitness for a particular purpose to the fullest extent permitted by the law. Use of this web site is subject to your both agreeing not to make or permit any unauthorised modifications to the web site, and acknowledging the risk of such modification by unauthorised third parties. You may only download and print extracts of this web site for your personal use but may not copy, reproduce, adapt, transmit or distribute any of the content of this web site, or, remove or alter any copyright or other proprietary notices appearing on this web site. If access to this web site has been restricted by means of a password granted to you, you will not divulge this password to any other person without the prior consent of the Company. 3. CONTENT The Company reserves the right at any time without notice to change, revise or amend the content of this web site, and to withdraw the products and services promoted by this web site. 4. INTELLECTUAL PROPERTY Nothing in these terms shall operate to grant to you any intellectual property rights or goodwill in any of the content of this web site, including without limitation any trade and service marks, trade or business names, domain names, design rights, copyright, moral rights, database rights (whether or not any of these is registered), know-how, confidential information and trade secrets used and employed. 5. CONFIDENTIALITY You shall use your best endeavours to preserve the confidentiality of any information identified by the Company prior to disclosure to you as confidential or proprietary information. 6. LIMITS OF LIABILITY To the fullest extent permitted by the law, neither the Company nor any of its directors, employees or agents shall be liable for: (a) any direct, indirect, consequential, special or other damage howsoever resulting from your use of this web site; (b) any inaccuracies or typographical errors in the content of this web site or interruptions howsoever caused in its use; (c) any detrimental reliance by you either on the content of this web site or its suitability for your purposes; (d) any viruses, worms or other items of a destructive nature downloaded or otherwise received from this web site; (e) any modifications or corruptions arising from any unauthorised third party access to this web site; (f) the content of any web site which may be accessed through or linked through to from this web site over which the company does not exercise any control whether financial, editorial or of any other kind. In no event shall the total liability of the Company to you for all or any loss or damage incurred by you exceed the total amount paid by you, if any, to the Company for access to and use of this web site. 7. EXCLUSION Nothing on this web site is intended to constitute an offer or solicitation of lending or insurance services or an offer to buy or sell products or services. 8. PERSONAL LOANS 8.1 Written quotations are available on request from the Company by contacting Open + Direct, Royston House, 34 Upper Queen Street, Belfast, BT1 6FX. Loans are subject to status and the amount you can borrow will be based upon your ability to repay and the purpose of the loan. The Company will review your past credit history and other personal details, and the actual rate that the Company offers will be dependent on your circumstances. 8.2 Credit is only available to persons aged 22 years or over and is subject to status and conditions. 8.3 The Company reserves the right to decline any applicant for a loan. 8.4 In relation to all or any information submitted by you as part of an application for a Loan only, the Company observes a strict duty of confidentiality about your financial affairs. The Company will not disclose details of your accounts or your name and address to anyone else other than to any confidentially appointed agents acting on its behalf, except in the four cases permitted by law, these are:
8.5 Formalities include the use of credit reference agencies who will note that an enquiry has been made about you. If you borrow and do not repay in full within the agreed credit terms, credit reference agencies may be advised and will note the outstanding debt. This may affect any future applications for credit facilities through the Company or other lenders. 9. INDEMNIFICATION You will indemnify the Company as is reasonable in the circumstances if a third party makes a claim against the Company based on any actual or alleged: (a) negligent or wilful acts or omissions committed by you or persons authorised by you; (b) failure by you or persons authorised by you to comply with all or any legislation or government regulation governing this web site or its use; (c) infringement by you or persons authorised by you of any intellectual property rights in any of the content of this web site. 10. PRIVACY POLICY 10.1 The Company uses cookies or other similar text files or programs on this web site. A cookie is a file which is sent to your browser and stored on your computer's hard disc, and helps the Company understand and track your use of this web site, and where it can improve the information provided and the products and service promoted by this web site. The Company uses cookies solely to gather information on IP addresses, to analyse trends, administer this web site, track user's movements on this web site and gather broad demographic information for aggregate use. IP addresses are not linked to other personally identifiable information and will not be used to deliver targeted marketing messages. 10.2 We take all reasonable precautions to protect your personal information. However, any personal details or other information entered onto or submitted through this web site or by e-mails to the Company shall be entered or transmitted at your risk and the Company shall not be liable for any such information being intercepted or accessed by any third party without the knowledge of the Company or any of its employees or agents. 11. LAW These terms shall be governed by and construed in accordance with the laws of Northern Ireland/England & Wales. 12. VERIFICATION & FURTHER INFORMATION Any of the products and services promoted by/or the information provided on this web site may be verified, or further information obtained, by telephoning the Company at +44 028 9026 0932 , or emailing the Company at info@openanddirect.com.
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