Terms

Terms & Conditions

Access to and use of any part of StreamBank.co.uk (the “website”) is provided by StreamBank, a trading name of StreamBank Plc, 1 Thomas More Square, London, E1W 1YN (together referred to as “our”, “us” or “we”) to you (the “user”) subject to the following terms and conditions (the “terms and conditions”). The information contained in this website is for information purposes only.

By using the website, the user indicates its agreement to be bound by these terms and conditions. The user also agrees to be bound, as appropriate, by the terms and conditions of the other documents which govern the user’s use of the website, including the Cookie Notice and Privacy Notice. The expression “terms and conditions” shall be deemed to include these other materials.

The user further agrees that they have read and understood the terms and conditions.

We may agree additional terms of usage of any part of the website with the user. The user agrees to comply with the obligations on them arising from such terms.

Should you require any further information relating to the contents of this website, or have any enquiry relating to the use of its contents, please email customercare@streambank.co.uk.

The user acknowledges and accepts that we may from time to time alter any aspect of the website, or any of the services or products provided through the website, as we see fit and without notice to the user. Further, we may alter the terms and conditions at any time without notice. The user accepts that they will have no claim for breach of contract or otherwise in respect of any such alteration.

The user acknowledges and accepts that computer and telecommunications systems are not fault free and may from time to time require periods of downtime (being periods during which the website is not available to the user) for the purposes of repair, maintenance and upgrading or otherwise. Accordingly, we do not guarantee uninterrupted availability of the website, but shall make reasonable efforts to minimise any periods during which the website is not available. The user accepts that they shall have no claim for breach of contract or otherwise in respect of any such period of unavailability.

The user warrants that in its use of the website they shall:

use the website only for lawful purposes, and in a manner which does not infringe the rights of, or restrict or inhibit the use of the website by, any third party;
not engage in any conduct which is unlawful, or which may harass or cause distress or inconvenience to any person;
without prejudice to the generality of paragraph (b) above, not upload, post, transmit or distribute any material or information in which the user does not own the intellectual property rights, or any material which is in any way unlawful or which is potentially harmful, threatening, abusive, libelous, pornographic or otherwise obscene, or racially or ethnically or otherwise objectionable; and
not upload, post, transmit or distribute any material or information which contains a computer virus, or other code, files or programs intended or having for effect to disrupt or otherwise adversely affect the operation of the website or of other users’ computer systems.

The contents of the website (the “contents”) including, for the avoidance of doubt, any guidance notes, newsletters and other content capable of being downloaded and viewed independently from the website, are provided to the user by way of general, illustrative, background information only. The user should not rely on the accuracy of any part of the contents nor should the contents be considered legal advice. Imagery, photography and/or project-specific content may be illustrative to protect the rights and/or privacy of the subjects and clients (for example, case studies and testimonials). Accordingly, to the maximum extent permitted by law, we assume no responsibility and accept no liability for any reliance placed by the user or any third party on the contents.

We use current virus checking software to ‘virus check’ documents and files before they are uploaded onto the website but cannot guarantee that documents or files downloaded from the website will be virus free. Accordingly, the user is responsible for conducting their own virus checks on any document or file which is downloaded from the website. We accept no liability for any damage to the user’s computer system arising from the transfer of any virus.

Without prejudice to the foregoing generality, we exclude, insofar as permitted by law, all warranties and representations, express or implied, in respect of any of the contents, including but not limited to any information, names, images, pictures, logos and icons forming part of them, including but not limited to warranties of satisfactory quality, fitness for a particular purpose, non-infringement of third party rights or any law, compatibility, security and accuracy. The user accepts and acknowledges that we, their officers, employees, agents, representatives of any sort, and advisers shall not in any way be liable for any damage, loss, costs or expenses arising directly or indirectly from the user’s or any third party’s reliance, viewing or downloading of any of the contents from the website, or its reliance on or use of any of the contents for any purpose.

The contents may be updated, or we may decide to alter either the information in the website or the structure of the website, at any time without giving warning. Opinions, estimates and illustrative content reflect our judgment at the date of the issuance of the information and such content is also subject to change without notice. This disclaimer, however, does not apply to the extent that it is inconsistent with the rules of the FCA.

The contents may relate to information about services which are subject to restrictions about persons who may receive such information. The contents are not directed at anyone in a particular jurisdiction who by virtue of being in that jurisdiction, would be prohibited from receiving or having such information made available to them. Accordingly, information in the website must not be circulated or copied to anyone where to do so may constitute an infringement of any local laws or regulations.

Neither the website, nor the contents, constitute or will form the basis of a representation, a contract or a term of any contract. You are advised that the use of the internet as a form of communication is not yet secure and information transmitted through the internet as a communication medium may be intercepted and/or read by third parties. You should not, therefore, rely upon your communication on the internet as a secure form of communication.

The website and its contents may at points incorporate links to the websites and services of third parties. Such links are provided for the user’s convenience only, and their provision does not constitute an authorisation by us to the user to access such third-party websites, nor our endorsement of the content of such third-party websites. This disclaimer, however, does not apply to the extent that it is inconsistent with the rules of the FCA.

The user acknowledges and accepts that we are not, and shall not be held responsible for, any damages, loss, costs or expenses arising from the use of such third-party websites, or products or services available through such third-party websites.

Except where expressly indicated otherwise, copyright in all of the contents of the website belongs to us.

Notwithstanding the foregoing, we authorise the user to:

view and display the contents; and
download the contents and store them on their computer (for example in the browser’s cache) and print a single copy of the contents;

on the condition that there is no alteration of the contents by the user and such activities are not utilised for commercial gain.

Save to the extent expressly permitted under the terms and conditions, the contents (including any downloaded contents) may not be modified, adapted, reproduced, forwarded, transmitted, used for training purposes or otherwise made available by the user in whole or in part to any third party without our prior express consent. The user agrees that they will not claim authorship of the contents.

The names and logos on the website identifying us and/or any third party and their products and services are either (a) our proprietary marks or (b) marks which we are licensed or authorised to use, and nothing in these terms and conditions shall confer on the user any licence of or other authorisation to use any such mark or any other intellectual property right of we or third party, subject always to the above provisions relating to copyright.

We reserve the right to terminate forthwith, or to refuse to permit, the use of the website by any user, at any time and at our absolute discretion.

Subject to the express agreement of any additional terms of usage between us and the user, these terms and conditions constitute the entire agreement of the parties in relation the use of the website, and they supersede any other agreements between the parties in this matter.

If any of these terms and conditions should be determined to be illegal, invalid or otherwise unenforceable by reason of the laws of any state or country in which these terms and conditions are intended to be effective, then to the extent and within the jurisdiction in which a term or condition is illegal, invalid or unenforceable, it shall be deemed modified as may be necessary to make it valid and enforceable and, if this is not possible, it shall be severed and deleted from the terms and conditions and the remaining terms and conditions shall survive, remain in full force and effect and continue to be binding and enforceable.

The rights of us and the user under these terms and conditions may be exercised as often as necessary. They are cumulative and not exclusive of either party’s rights under the general law and may be waived only in writing.

Telephone calls may be recorded and monitored for training and monitoring purposes.

Failure by either party to exercise and enforce any rights conferred by these terms and conditions shall not be deemed to be a waiver of any such right nor operate so as to bar the exercise or enforcement thereof or any right on any later occasion. Delay in exercising or non-exercise of any right is not a waiver of that right.

These terms and conditions shall be governed by and construed in accordance with the laws of England and Wales. Any matter arising here from shall be subject to the non-exclusive jurisdiction of the courts of England and Wales.

Your property may be repossessed if the finance is not repaid.