Below are our terms for the use of this Website, whether as a guest or a registered user - please read these terms carefully before using this Website.

2.1   You can access most parts of this Website without having to register any details with us. This includes all articles, guides, news          and product information pages within the Website.

2.2   It is for you to make the proper arrangements for you to access this Website. You are responsible for ensuring that all persons            who access the Website through your Internet connection are aware of this Agreement, and that they comply with it.

2.3   Our Website is intended for people in the United Kingdom. Content available on our site may not be suitable or accessible                from other countries. We may restrict the availability of our Website or our services or goods to any person or country at                  any time without prior notice. If you access our site from outside the United Kingdom, you do so at your own risk.

3.1   Any material that is available free of charge on this Website you are permitted to use for your own personal use, but not for              distribution (including sharing or making available for use by others by any means, whether free of charge or for payment)                or resale. You promise that you will not resell or otherwise attempt to commercially benefit from the Website content.

3.2   All intellectual property (including without limitation copyright) in this Website and its content belongs to us or our licensors            and are protected by copyright laws around the world. You have permission to print one copy and download extracts of any              web page(s) from our Website for (a) your personal use and (b) to mention to colleagues in your organisation. You do not have          permission to use any illustrations, photographs, video or audio files separately from any accompanying text. Our status (and            that of any identified contributors) as the authors of material must always be acknowledged and you must not use the                      material on the Website in a derogatory manner.

3.3   Otherwise than in accordance with clause 3.1, no part of this Website may be used without our prior permission.

3.4   If, in breach of these terms of use, you print off, copy or download any part of our Website, then your right to use our                      Website and is contents is automatically revoked - you must then immediately destroy any copies you have made of any part             of our Website.

3.5  We do not guarantee that our Website will be free from bugs or viruses or protected at all times against hacking. You                         are responsible for setting up your computer to access our Website and using appropriate firewall and virus protection software.

3.6 Our terms and conditions of supply will apply if you purchase goods or services from our Website. 

 

 

4.1   We take all reasonable steps to ensure that this Website is available 24 hours every day, 365 days per year. However, websites            do sometimes encounter downtime due to server and, other technical issues. Therefore, we will not be liable if this Website              is unavailable at any time. We do not guarantee that our Website, or any content on it, will be available uninterrupted. Access          to our Website is permitted on a temporary basis. We may suspend, withdraw, discontinue or change all or any part of our                site without notice. We will not be liable to you if for any reason our Website is unavailable at any time or for any period.

4.2  This Website may be temporarily unavailable due to issues such as system failure, maintenance or repair or for reasons                     beyond our control. Where possible we will try to give our visitors advance warning of maintenance issues, but shall not be               obliged to do so.

 

5.1   With the exception of personally identifiable information, the use of which is covered under our privacy policy, any material              you send or post to this Website shall be considered non-proprietary and not confidential. Unless you advise us to the contrary,          we will be free to copy, disclose, distribute, incorporate and otherwise use such material for any and all purposes.

5.2   When using this Website you must not attempt unauthorised access to our Website, the servers on which our Website or                    database are stored or any servers, computer or database connected to our site, and you shall not post or send to or from this          Website any material:

   5.2.1   which you have not obtained all necessary consents;

   5.2.2  that is discriminatory, obscene, pornographic, defamatory, liable to incite racial hatred, in breach of confidentiality or                     privacy, which may cause annoyance or inconvenience to others, which encourages or constitutes conduct that would be                   deemed a criminal offence, give rise to a civil liability, or otherwise is contrary to the law in the United Kingdom; or

   5.2.3  which is harmful in nature, including, and without limitation, denial-of-service attacks, computer viruses, trojans, worms,               logic bombs, corrupted data, or other potentially harmful software or data.

5.3   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 them. In the event of such a breach, your right to use our site will cease immediately.

5.4   We will fully co-operate with any law enforcement authorities or court order requiring us to disclose the identity or other                  details of any person posting material to this Website in breach of Paragraph 5.2.

5.5   If a third party alleges that content posted by you on our site is in breach of their intellectual property rights or their right to            privacy, we may disclose your identity to such third party.

5.6   We reserve the right to remove any posting you make on our Website for any reason and without notice, but particularly if                your post does not comply with these terms of use.

 

 

6.1   If you choose, or you are provided with, a user log-in or password as part of our security procedures, you must keep such                  information confidential.

6.2   If in our reasonable opinion you have breached these terms of use, then we may disable any user log-in or password at any                time.

6.3   If you suspect anyone else knows your user log-in or password, you must promptly notify us at info@bridgedevelopment.co.uk.          You can also use this email address if you have problems with logging in or access.

 

7.1   Any links to third party websites located on this Website are provided for your convenience only. We have not reviewed each            third party website and have no responsibility for such third party websites or their content. We do not endorse the third party         websites or make representations about them or any material contained in them. If you choose to access a third party website         linked to from this Website, it is at your own risk. We will not be liable for any loss or damage that may arise from your use of           them.

7.2   If you would like to link to this Website, you may only do so on the basis that you link to, but do not replicate, any page on               this Website, and subject to the following conditions:

   7.2.1   you do not in any way imply that we are endorsing any services or products unless this has been specifically agreed to by                  us in writing;

   7.2.2   you do not misrepresent your relationship with us or present any false information about us;

   7.2.3   you do not link from a website that is not owned by you; and

  7.2.4   your website does not contain content that is offensive, controversial, infringes any intellectual property rights or other                   rights of any other person or does not comply in any way with the law in the United Kingdom.

7.3   If you choose to link to our Website in breach of Paragraph 7.2 you shall fully indemnify us for any loss or damage suffered as a          result of your actions.

 

8.1   Our Website is made available free of charge. We take reasonable steps to ensure that the information on this Website is                  correct at the time of first publishing. However, we do not guarantee the correctness or completeness of material on this                  Website or the absence of inaccuracies, omissions or typographical errors. We may make changes to the material on this                    Website at any time and without notice, including corrections. The material on this Website may be out of date, or on rare                occasions incorrect and we make no commitment to ensure that such material is correct or up-to-date. We are not liable to              send you notice of any changes or corrections made.

8.2   The material at this Website is provided without any conditions or warranties of any kind. To the maximum extent permitted            by law, we provide access and use of this Website on the basis that we exclude all representations, warranties and conditions            which but for these Terms may have effect in relation to this Website.

8.3   All information and services are provided "as is" without warranty or condition of any kind. We disclaim all warranties and                  conditions with regard to this information and services, including all implied warranties or conditions of merchantability,                  fitness for a particular purpose, title and non-infringement.

8.4   Any information on the Website in many cases will be an abbreviated and simplified summary for general use or general                    guidance only, and is not a substitute for taking specific advice on your own situation from an appropriate expert. Before                  taking, or refraining from, any action on the basis of the content of our Website, you must obtain suitable advice from a                    professional or specialist.

8.5   You use the Website at your own risk - neither we, nor our agents, employees and sub-contractors, shall be liable to you or any          other party for any losses or damages whatsoever or howsoever arising in connection with the website (whether under these              terms and conditions or other contract or as a result of any misrepresentation, misstatement or tortious act or omission,                  including negligence).

8.6   Neither we nor any other party (whether or not involved in producing, maintaining or delivering this Website) shall be liability          or responsible for any kind of loss or damage that may result to you or a third party as a result of your or their use of our                  Website. This exclusion shall include (without limitation) servicing or repair costs and any other direct, indirect or                            consequential loss, and whether in tort, contract or otherwise in connection with this Website.

8.7   We shall have no liability to any users for loss (whether in contract, tort, including without limitation negligence, breach of              statutory duty or otherwise, and whether foreseeable or not) relating to:

   8.7.1  use of, or inability to use, our Website; or

   8.7.2  use of, or reliance on, the contents of our Website.

8.8   In addition if you are a business user, we will not be liable to you for:

   8.8.1  lost profit or turnover;

   8.8.2  interruption or disruption of your business;

   8.8.3  your failure to make anticipated savings;

   8.8.4  lost business opportunities or damage to your goodwill or reputation; or

   8.8.5  indirect or consequential losses.

8.9   In addition if you are a consumer, you agree not to use our site for any commercial or business purposes, and we shall have no          liability to you for anything mentioned in Paragraphs 8.8.1. to 8.8.5.

8.10  We shall have no liability to you for any losses caused by a distributed denial-of-service attacks, computer viruses, trojans,               worms, logic bombs, corrupted data, or other potentially harmful software or data that may damage your computer system,             software and data from your use of our Website or your downloading of any content on it, or on any website linked to it.

8.11  Nothing in these Terms shall exclude or limit liability for (i) death or personal injury caused by negligence (as defined by the             Unfair Contract Terms Act 1977); (ii) fraud; (iii) misrepresentation as to a fundamental matter; or (iv) any liability which                   cannot be excluded or limited under English law.

 

9.1   If any part of this Agreement is determined to be invalid or unenforceable under any applicable law, including, but not limited          to, the above disclaimers and liability limitations, then the invalid or unenforceable provision will be deemed to be replaced            by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of the                    Agreement will continue in effect.

9.2   Unless otherwise specified, this Agreement constitutes the entire Agreement between you and us with respect to the use of              the Website and it supersedes all prior communications and proposals, whether electronic, oral or written, between you and            us with respect to the use of the Website.

9.3   You must not assign or otherwise transfer the Agreement, or any right granted under it, without our written consent. We can             freely transfer our rights under the Agreement.

9.4   Any failure by us to enforce or exercise any provision of the Agreement, or any related right, will not be a waiver of that                  provision or right.

9.5   We may provide you with notices, including those regarding changes to the Agreement, by email, regular mail, postings on the          Website, or other reasonable means now known or developed in the future.

 

10.1   These Terms shall be governed by and construed in accordance with English law. Any dispute(s) arising in connection with                  these Terms are subject to the exclusive jurisdiction of the courts of England and Wales.

Version: Jul 2021

You, our clients are at the heart of everything we do, and we take great pride in this fact. We are committed to providing a ‘best of breed’ service and your views and feedback are imperative in order to know we are on the right track and to enhancing our offering. However, we recognise we may sometimes fall short of your expectations, so if you are not completely satisfied with any aspect of our service, we would like to hear from you accordingly. We want to:

If you are not satisfied with any aspect of our/product service, please you can tell us about your complaint in the following ways:

We would like to thoroughly investigate your complaint so please include:

Your name, contact details and agreement number

What your complaint is about

If you have the dates and names of the people who you spoke to

How you would like us resolve the issue?

or write to us at the address below, please address your letter to the Complaints Manager

We will aim to resolve your complaint straight away but if we can't we will write to you within 5 business days to tell you:

We will usually resolve your complaint quickly, but if it is complex it may take longer. We will keep you informed on a regular basis but if you need an update please call us on the number above and ask to speak to the person dealing with your complaint.

If we cannot reach agreement with you within 8 weeks and your complaint relates to our credit brokerage service we will:

Our aim is to resolve all credit brokerage related complaints internally. However, if after receiving our final decision letter or 8 weeks have passed you may have the right to refer your complaint to the Financial Ombudsman Service (FOS).

If you want the FOS to look into your complaint you must contact them within six months of the date of our final response letter.

Telephone: 0800 0234567

Further helpful information can be obtained from visiting their web site at: www.financial-ombudsman.org.uk

Version: Jul 2021