Terms of Use

Liverpool Commercial Finance
49 Jamaica Street, Liverpool L1 0AH
Email: admin@liverpoolcommercialfinance.co.uk

Last Updated: October 2025

---

1. Introduction

Welcome to the Liverpool Commercial Finance website (liverpoolcommercialfinance.co.uk). These Terms of Use govern your access to and use of our website and services.

By accessing or using our website, you agree to be bound by these Terms of Use and our Privacy Policy. If you do not agree with any part of these terms, you must not use our website.

2. Definitions

• “We”, “us”, “our” refers to Liverpool Commercial Finance
• “You”, “your” refers to the user or visitor of our website
• “Website” refers to liverpoolcommercialfinance.co.uk and all associated pages
• “Services” refers to the commercial finance services we provide
• “Content” refers to all text, images, graphics, data, and materials on our website

3. About Liverpool Commercial Finance

Liverpool Commercial Finance provides commercial finance solutions to businesses. We are authorised and regulated by the Financial Conduct Authority (FCA). Our regulatory details can be found on the FCA Register at www.fca.org.uk/register.

Our registered business address is:
49 Jamaica Street, Liverpool L1 0AH

4. Use of Our Website

4.1 Permitted Use

You may use our website for lawful purposes only, including:

• Browsing information about our services
• Submitting enquiries and applications for finance
• Accessing resources and educational content
• Communicating with us about our services

4.2 Prohibited Use

You must not:

• Use our website in any way that breaches applicable laws or regulations
• Use our website in any way that is unlawful or fraudulent
• Transmit any viruses, malware, or other harmful code
• Attempt to gain unauthorised access to our website, servers, or databases
• Interfere with or disrupt our website or servers
• Use automated systems (bots, scrapers) to access our website without permission
• Copy, reproduce, or redistribute our content without authorization
• Impersonate any person or entity or misrepresent your affiliation
• Collect or harvest personal information about other users
• Use our website to transmit unsolicited marketing or spam
• Post or transmit any defamatory, offensive, or inappropriate content

4.3 Account Security

If you create an account on our website:

• You are responsible for maintaining the confidentiality of your login credentials
• You are responsible for all activities that occur under your account
• You must notify us immediately of any unauthorized use of your account
• We reserve the right to suspend or terminate accounts that violate these terms

5. Information and Applications

5.1 Accuracy of Information Provided

When you submit an enquiry or application through our website:

• You must provide accurate, current, and complete information
• You must update information promptly if it changes
• Providing false or misleading information may result in rejection of your application
• Fraudulent applications may be reported to relevant authorities

5.2 No Guarantee of Approval

• Submitting an enquiry or application does not guarantee approval for finance
• All applications are subject to our assessment criteria and lender requirements
• Credit checks and other verification procedures will be conducted
• We reserve the right to decline any application at our discretion

5.3 Non-Binding Quotes

• Any quotes or indicative rates provided are for illustration purposes only
• Quotes are not binding offers and are subject to full application and assessment
• Final terms are subject to lender approval and may differ from initial quotes

6. Intellectual Property Rights

6.1 Our Content

All content on our website, including but not limited to text, graphics, logos, images, software, and design, is owned by or licensed to Liverpool Commercial Finance and is protected by copyright, trademark, and other intellectual property laws.

6.2 Limited License

We grant you a limited, non-exclusive, non-transferable license to:

• Access and view our website content for personal, non-commercial use
• Print or download content for your personal reference

You may not:

• Modify, reproduce, distribute, or create derivative works from our content
• Use our content for commercial purposes without written permission
• Remove or alter any copyright, trademark, or other proprietary notices
• Frame or mirror any part of our website without authorization

6.3 Trademarks

“Liverpool Commercial Finance” and our logos are trademarks owned by us. You may not use our trademarks without prior written consent.

7. Third-Party Links and Content

7.1 External Links

Our website may contain links to third-party websites. We do not control or endorse these external sites and are not responsible for:

• The content or accuracy of third-party websites
• The privacy practices of third-party websites
• Any loss or damage arising from your use of third-party websites

7.2 Third-Party Services

We may use third-party services (such as analytics providers) on our website. Your use of these services is subject to their respective terms and conditions.

8. Disclaimer of Warranties

8.1 Website Availability

While we strive to ensure our website is available at all times:

• We do not guarantee uninterrupted or error-free access
• We may suspend or withdraw our website without notice for maintenance or updates
• We are not liable for any unavailability of our website

8.2 Information Accuracy

• We make reasonable efforts to ensure information on our website is accurate and current
• We do not warrant that all information is complete, accurate, or up to date
• Content is provided for general information purposes only
• You should verify important information and seek professional advice before making decisions

8.3 “As Is” Basis

Our website and content are provided on an “as is” and “as available” basis without warranties of any kind, either express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement.

9. Financial Advice and Information

9.1 No Financial Advice

• Information on our website is for general guidance only
• Content does not constitute financial, legal, or tax advice
• You should seek independent professional advice before making financial decisions
• We do not provide regulated financial advice unless explicitly stated in a formal arrangement

9.2 Market Information

• Financial information, rates, and market data may change without notice
• Historical information does not guarantee future performance
• You should not rely solely on website information for financial decisions

10. Limitation of Liability

10.1 Exclusions

To the fullest extent permitted by law, Liverpool Commercial Finance, its directors, employees, and agents shall not be liable for:

• Any indirect, consequential, special, or incidental damages
• Loss of profits, revenue, data, or business opportunities
• Damages arising from use or inability to use our website
• Damages arising from reliance on information provided on our website
• Damages caused by viruses or other harmful components
• Damages arising from third-party content or links

10.2 Cap on Liability

Where liability cannot be excluded by law, our total liability to you shall not exceed £100 (one hundred pounds sterling).

10.3 Your Statutory Rights

Nothing in these Terms of Use excludes or limits our liability for:

• Death or personal injury caused by our negligence
• Fraud or fraudulent misrepresentation
• Any other liability that cannot be excluded or limited under applicable law

These terms do not affect your statutory rights as a consumer.

11. Indemnification

You agree to indemnify, defend, and hold harmless Liverpool Commercial Finance, its directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including reasonable legal fees) arising from:

• Your use of our website
• Your violation of these Terms of Use
• Your violation of any rights of third parties
• Any information or content you submit through our website

12. Data Protection and Privacy

Your use of our website is also governed by our Privacy Policy and GDPR Policy, which explain how we collect, use, and protect your personal information. By using our website, you consent to our data practices as described in those policies.

13. Modifications to Terms

13.1 Right to Modify

We reserve the right to modify these Terms of Use at any time. Changes will be effective immediately upon posting to our website with an updated “Last Updated” date.

13.2 Your Responsibility

It is your responsibility to review these Terms of Use regularly. Continued use of our website after changes constitutes acceptance of the modified terms.

13.3 Material Changes

For significant changes that materially affect your rights, we will provide reasonable notice through:

• A prominent notice on our website homepage
• Email notification to registered users (where applicable)

14. Termination

14.1 Our Right to Terminate

We reserve the right to:

• Suspend or terminate your access to our website at any time, with or without notice
• Remove or disable any content you have submitted
• Take legal action against users who violate these terms

14.2 Effect of Termination

Upon termination:

• Your right to use our website immediately ceases
• Any provisions that by their nature should survive will continue (including liability limitations, indemnification, and dispute resolution)
• We are not liable for any consequences of termination

15. Governing Law and Jurisdiction

15.1 Applicable Law

These Terms of Use are governed by and construed in accordance with the laws of England and Wales.

15.2 Jurisdiction

Any disputes arising from these Terms of Use or your use of our website shall be subject to the exclusive jurisdiction of the courts of England and Wales.

15.3 Alternative Dispute Resolution

Before pursuing legal action, we encourage you to contact us to attempt to resolve any disputes informally. You may also have the right to refer complaints to the Financial Ombudsman Service if your complaint relates to regulated financial services.

16. Severability

If any provision of these Terms of Use is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, the remaining provisions shall continue in full force and effect.

17. Waiver

Our failure to enforce any right or provision of these Terms of Use shall not constitute a waiver of that right or provision unless acknowledged in writing by us.

18. Entire Agreement

These Terms of Use, together with our Privacy Policy and GDPR Policy, constitute the entire agreement between you and Liverpool Commercial Finance regarding the use of our website and supersede all prior agreements and understandings.

19. Age Restriction

Our website and services are intended for individuals aged 18 and over. By using our website, you confirm that you are at least 18 years old. We do not knowingly collect information from individuals under 18.

20. Accessibility

We are committed to making our website accessible to all users. For information about our accessibility features and commitments, please see our Accessibility Statement.

21. Complaints Procedure

If you have a complaint about our services or website, please contact us:

Email: compliance@liverpoolcommercialfinance.co.uk
Address: 49 Jamaica Street, Liverpool L1 0AH

We will acknowledge your complaint within 5 business days and provide a full response within 8 weeks. If you are not satisfied with our response, you may be able to refer your complaint to the Financial Ombudsman Service.

22. Contact Information

If you have any questions about these Terms of Use, please contact us:

Liverpool Commercial Finance
49 Jamaica Street
Liverpool L1 0AH

Email: admin@liverpoolcommercialfinance.co.uk
Compliance: compliance@liverpoolcommercialfinance.co.uk

---

By using this website, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use.

---