Welcome to the UK Finance website and all the information provided through it. The website is currently located at www.ukfinance.org.uk (the “Site”).

By using the Site you agree on your own behalf and on behalf of each entity and person on whose behalf you act to be legally bound by the following terms and conditions (the “Terms”). If you do not agree to abide by these Terms you should exit the Site.

In these Terms, “we”, “our” and “us” means UK Finance (registered number 10250295) and their successors and assignees, “you” and “your” means any natural or legal person who uses the Site and each entity on whose behalf they act.

  1. Using the Site

1.1.    The Site is free, therefore there is no charge for you using it. Access to the Site is however through the service provided by your internet service provider. You shall be liable for all charges that your internet service provider charges for providing you with their service.
1.2.    You must only use the Site in accordance with these Terms and all applicable laws, regulations and codes of conduct (including self regulatory) applicable to the use of the Internet and you agree to be solely responsible for all consequences arising from your use of the Site.
1.3.    You are permitted to print and download extracts from this Site for your own use on the following basis:
1.3.1.    no documents or related graphics on this Site are modified in any way;
1.3.2.    no graphics on this Site are used separately from accompanying text; and
1.3.3.    the Company’s copyright and trade mark notices (contact press@ukfinance.org.uk for the applicable notices) appear in all copies.
1.4.    You warrant and undertake that you will not:
1.4.1.    use the Site except in accordance with these Terms;
1.4.2.    sub-license, assign or subcontract any part of your rights or obligations under the Terms;
1.4.3.    use or permit the use of the Site for any illegal purpose; damage, interfere with or disrupt access to the Site or do anything that may interrupt or impair its functionality;
1.4.4.    make or derive any commercial use or benefit from any part of the Site;
1.4.5.    use the Site in such a manner as would bring us, our organisation and/or business into disrepute;
1.4.6.    obtain or attempt to obtain unauthorised access, through whatever means, to the Site;
1.4.7.    make available, upload or distribute by any means any viruses, bugs, corrupt data, “Trojan horses”, “worms” or any other harmful software in connection with your use of the Site;
1.4.8.    use the Site in any way to send unsolicited (commercial or otherwise) e-mail (spamming) or any material for marketing or publicity purposes; or
1.5.    The Site is controlled and operated by us from our offices in England. We make no representations that the Site is appropriate or available for use in other locations. Those who visit the Site from other locations do so at their own initiative and are responsible for compliance with all applicable laws. If use of this Site and/or viewing of it, or use of any material or content on the Site is contrary to or infringes any applicable law in your jurisdiction(s), you are not authorised to view or use the Site and you must exit immediately.

  1. Suspension and Termination of Service

We reserve the right to make changes or corrections, alter, suspend, discontinue or terminate any aspect of the Site, and your access to it, at any time immediately without notice.

  1. Indemnity

Except as expressly provided for below, you agree to indemnify and hold us, and all of our officers, employees and agents harmless from any actions, claims, losses, liability, proceedings, damages, costs, expenses, loss of business, loss of profits, business interruption and other pecuniary or consequential loss (including legal costs and expenses) suffered or incurred by us in respect of any claim brought by any third party arising in respect of these Terms and/or the Site and/or the information provided to you and/or your use or misuse of the Site.

  1. Content

We licence you to use the information in order to view it for your own personal, non-commercial use only.

  1. All rights, title and interest to the Intellectual Property Rights which subsist or may subsist in the information and/or the Site vests in us (or third party licensors) and you agree not to modify, reproduce, republish, upload, post, distribute or otherwise transmit or use the Intellectual Property Rights provided by us to you in any way without our prior written consent. “Intellectual Property Rights” means all present and future intellectual property rights world-wide however arising and in whatever media, whether or not registered, including without limitation, patents, trade marks, design rights, copyright, database rights, service marks, trade names and rights in know-how and confidential information.
  2. You are not permitted to use any registered trademarks owned by UK Finance without our prior written consent. Service marks and/or other trade names or any logos, page headers, custom graphics or button icons used by us on the Site also require our prior written consent.
  3. Any trade marks on the Site not owned by UK Finance will be owned by third party licensors and should not be used without their permission.
  1. Copyright Guidelines for use by you of our publications and information
  1. The following guidelines apply if you wish to reproduce in whole or part of a Publication whether in hard copy and/or electronic format or otherwise:
    In all instances, you should obtain prior written permission from the Press Office (press@ukfinance.org.uk) before doing any of the restricted acts under the Copyright, Designs and Patents Act 1988 or anything which would amount to an infringement of Intellectual Property Rights in respect of all or any of the Publications and/or Information whether obtained from us in hard copy or CD-ROM, or distributed by us online through this Site, including without limitation any copying and/or distributing the Publications and/or Information in any format online or offline for internal use, use on intranets or for communication to the public. A licence fee may be payable if we grant you the right to reproduce the whole or part of a Publication.
    b. Redistribution of the Publications on or via another website is not permitted without our prior written consent.
  2. Links to Third Party websites: the Site contains links to third party websites and other resources (“Linked Sites”). We do not control, sponsor, endorse, approve or accept any responsibility for anything appearing in the Linked Sites (nor in other sites referred to in or linked to the Linked Sites) nor for any content, goods or services available through them. We make no representations about any Linked Sites you may access through the Site whatsoever and we shall not be liable for any loss or damage caused or alleged to be caused to you by or in connection with use of or reliance on any content, goods or services available on or through any Linked Sites.
  3. Content you provide to us: All information relating to you is subject to our Website Privacy Policy that is available for review.
    In addition, the following also applies to all messages, e-mails, ideas, suggestions, concepts or other material submitted by you to us (“Content”):
    b. you must ensure that all Content submitted to us does not infringe copyright, design, privacy, publicity, data protection, trade mark or any other rights of any third party, and is not obscene, abusive, threatening, libellous or defamatory of any person; and
    c. you must ensure that the Content does not advertise or otherwise solicit for either funds or goods or services.
    d. We have the right to monitor Content and may edit, reject or remove Content if we believe it does not comply with the above and, in particular, we reserve the right to block incoming e-mails and other Content if we believe that their content is or may be inappropriate or otherwise does not comply with the above.
  4. You grant us a non-exclusive, perpetual, irrevocable, royalty free, worldwide licence to publish all Content which you submit to us except any portion of the Content that is Personal Information (as defined in our Website Privacy Policy).
  5. You have sole responsibility for the Content which you submit to us and you shall indemnify and shall keep us fully and effectively indemnified on demand from and against all actions, claims, losses, liability, proceedings, damages, costs, expenses, loss of business, loss of profits, business interruption and other pecuniary or consequential loss (including legal costs and expenses) suffered or incurred by us and arising directly or indirectly out of the publication of Content submitted by you to us.
  1. Alterations to These Terms

We reserve the right to amend these Terms, in whole or in part, at any time and you will be notified of the same by our posting of such Terms on the Site. Your continued use of the Site after any changes have been posted on the Site will be considered acceptance by you of any changes. Unless explicitly stated to the contrary any new features including new content, our provision of new services, or resources shall be subject to these Terms.

  1. Security

You acknowledge and accept that the Site involves transmissions over the Internet and that such transmissions are therefore subject to the Internet’s inherent risks.

You acknowledge and accept that, as with any network, you may be exposed to:

  1. unauthorised invasions of privacy during, or as a result of, using the Site;
  2. system-threatening viruses and other unauthorised and invasive programs transmitted by third parties;
  3. unauthorised dissemination and publication to others of information and material originally sent only to selected recipients on or through the Site;
  4. eavesdropping and electronic trespassing;
  5. fraud and forgery; and
  6. the failure of information and data to reach their intended destinations and/or erroneous receipt or misdirection of such information.

Although our privacy and security features are designed to reduce these risks, we cannot guarantee their elimination. It is your responsibility to ensure that your systems comply with best industry practice. You also acknowledge that no transmission via the Site shall be deemed confidential and that we shall not be liable for any breach of confidence arising as a result of such event.

  1. Reliance on Information

Because the Site is provided by means of website and telecommunication systems (including local loop network providers and other connectivity arrangements over which we have no control) you acknowledge and agree that:
a. We will try to make the Site available but cannot guarantee that the Site will operate continuously or be error free (there may be, without limitation, errors in software used to provide the Site and the Information and errors caused by telecommunications links) and we shall be under no liability for the consequences arising from any such error or the reliance by you upon the Site.
b. Time shall not be of the essence in relation to our delivery and/or provision of the Site including without limitation provision of the Information and/or Publications.
c. Information, Publications, figures, rates, approvals, accreditations and recommendations made available on the Site are not intended to amount to advice on which any reliance should be placed. We therefore disclaim all liability for any reliance you place on such Information, Publications, figures, rates,   approvals, accreditations and recommendations.
d. You should independently verify all Information, figures and rates provided on the Site prior to your use of such Information, figures and rates. We may change, update or correct any such Information, figures or rates at any time without notice. Please note that the Site may contain typographical errors and other inaccuracies.

  1. Limitations of Liability
  1. Subject to the 8) Reliance on Information, we exclude all other express or implied terms, conditions, warranties, representations or endorsements whatsoever in regard to the Site or any Information provided through the Site.
  2. We will use reasonable endeavours to ensure that all materials and Information published on the Site are accurate, but please note that all content, materials and Information are provided on an ‘as is’ basis and you assume total responsibility and risk for your use of the Site and use of all Information.  We cannot, and do not, accept any responsibility or liability for any inaccurate information published to the Site.
  3. We accept no liability for any indirect or consequential loss or damage, or for any loss of data, profit, revenue or business (whether direct or indirect) in each case, however caused, even if foreseeable. In circumstances where you suffer loss or damage arising out of or in connection with the viewing, use or performance of the Site we accept no liability for this loss or damage (except where we have been negligent) whether due to inaccuracy, error, omission or any other cause and whether on our part or our servants, agents or any other person or entity.
  4. If we are liable to you for any reason (other than death or personal injury arising from our negligence), our liability will be limited to £100.
  5. Notwithstanding any other provision of these Terms, we do not attempt to exclude or limit our liability for death or personal injury resulting from our negligence or for our fraudulent representation in any way.
  6. You are responsible for ensuring that your computer system meets all relevant technical specifications necessary to use the Site and is compatible with the Site. You also understand that we cannot and do not guarantee or warrant that any material available for downloading from the Site will be free from infection, viruses and/or other code that has contaminating or destructive properties. You are responsible for taking sufficient precautions and virus checks (including anti-virus and other security checks) to satisfy your particular requirements for the accuracy of data input and output.
  7. The limitations and exclusions in this clause do not affect your non-excludable statutory rights and only apply to the extent permitted by applicable law.
  1. General

No rights are conferred on any person who is not a party to these Terms.

  1. Each provision contained in these Terms shall be severable from any other provision, and if any part of any provision shall be found to be invalid, illegal or void for any reason, then such finding shall not affect any other part of such provision or any other provision contained in the Terms which shall continue to have full force and effect.
  2. Any failure or delay by us enforcing an obligation or exercising a right, under these Terms, does not amount to a waiver of that obligation or right, or any other obligation or right.
  3. You acknowledge that you have not entered into these Terms in reliance on any statement or representation, except in so far as the representation has been incorporated into these Terms. You irrevocably and unconditionally waive any right you may have to claim damages and/or to rescind these Terms by reason of any misrepresentation (other than a fraudulent misrepresentation) not contained in these Terms.
  4. You shall not assign any of your rights or obligations under these Terms without our prior written consent. We shall have the right to assign or otherwise delegate all or any of our rights or obligations under these Terms.
  5. These Terms shall be construed in accordance with the laws of England and Wales and the parties hereby submit to the exclusive jurisdiction of the English courts.
  6. All notices shall be given: to us via e-mail at press@ukfinance.org.uk or by post at UK Finance, 1 Angel Court, London, EC2R 7HJ; or to you at either the e-mail or postal address you provide.

Notice will be deemed received when an e-mail is received in full (or else on the next business day if it is received on a weekend or a public holiday in the place of receipt) or 3 days after the date of posting.

Provisions of goods and services including booking conferences, training and ordering publications

  1. Any goods or services advertised on the Sites including without limitation our conferencestraining and publications can only be ordered and/or booked by businesses and parties acting in a trading or professional capacity (including academics acting in their professional capacity) and not by consumers.
  2. Any goods or services displayed on our Sites merely constitute an invitation to treat, and may be withdrawn by us at any time. Under no circumstances does the display of such goods or services constitute an offer by us to sell the same to you.
  3. Prices and other terms and conditions listed on the Sites are for information purposes only and are subject to change by us without notice prior to delivery of goods or provision of services. We therefore reserve the right to change the programme for conferences and training without prior notification.
  4. Bookings/Orders: Orders for Publications must be made on a registration form and we do not take provisional bookings for conferences and training.. You should send us your completed registration form accompanied by full payment to: UK Finance, 5th Floor, 1 Angel Court, London, EC2R 7HJ. If payment can be made via credit card or debit card, conferences and training may be booked by telephone or online. A binding contract will come into existence upon acceptance by us of your booking and/or order.
  5. Payment: Payment may not be withheld or deferred by you on account of any counterclaim or set-off. Any amount not paid by you on the due date shall, at our discretion, bear interest from the invoice due date until payment by you in full at a rate equivalent to 2% above Barclays’ Bank plc’s base rate from time to time in force.
  6. We aim to process each booking for a conference or training within 14 calendar days although time shall not be of the essence in respect of processing orders and bookings.
  7. We do not invoice. However, we will issue you with a VAT receipt after the conference or training order. Our members can be invoiced for orders totalling more than £1000 for publications on request to us.
  8. Delivery: delivery shall take place when the goods you have ordered including Publications are delivered to your delivery address as given by you in the relevant order. Subject to any delay that may result in consequence of the circumstances described in clause 13, we will make all reasonable efforts to deliver the goods including Publications to the address stated.
  9. Time shall not be of the essence in the performance of any order.
  10. Delivery is subject to stock and availability. We aim to deliver within 3 – 5 working days from the receipt of your order. Our prices include postage and packing costs within the UK. An additional charge for postage and packing applies to all overseas orders as notified to you at the time of the order.
  11. Acceptance of goods: You shall be responsible for inspecting the goods including Publications promptly on delivery and notifying us in writing forthwith after delivery if any goods including Publications have been delivered damaged or have items missing.
    You shall be deemed to have accepted the goods including Publications once:
    a) the goods including Publications are being used by you or
    b) 3 (three) working days after delivery to you.
    Any complaint regarding the goods including Publications delivered by us to you must be communicated to us in writing within 3 (three) working days of delivery failing which you shall not be entitled to reject any of the goods including Publications accepted under this clause.
  12. Title/Risk: risk in the goods including Publications shall pass to you once the goods including Publications have left our premises and/or our suppliers’ premises. All title in the goods including Publications sold subject to these terms and conditions remains vested in us until the Goods are paid for in full by you and until such time the Goods may not be charged or, encumbered in any way.
  13. Amendments to bookings: any change of delegate details must be received in writing.
  14. Cancellations: will only be accepted in writing (email is acceptable) and will be refunded in full up to four weeks prior to the event date, subject to a £30 administration fee. Cancellations received between four weeks and two weeks prior to the event date will be charged at 65 per cent of the cost. No refunds will be given for cancellations received within two weeks of the event date. Name changes can be made free of charge at any time.
  15. If a cancellation notice is received from you later than 14 days before the respective conference, training or dispatch of the order, no refunds will be made by us to you and you will be liable to pay in full for the goods and services in question. In such cases, registrations cannot be transferred to other events. You have no right to cancel bespoke orders of Publications and you will be liable to pay in full for the bespoke Publications in question.
  16. Third Party’s Goods and Services: We may provide hyperlinks to goods and services on third party websites. However, each third party is responsible for setting and explaining their individual terms and conditions of shipping, return, security, data protection and other policies and terms applicable to their sale of goods and/sor services.
  17. We do not endorse, guarantee or warrant any product or service sold by a third party, nor do we have any liability or responsibility for the fitness for purpose or quality or delivery of any product or service sold to you by third parties or otherwise. The purchase or receipt by you of any product or service from a third party is a transaction solely between you and that third party.