This website (www.fairquid.co.uk) is owned and operated by FairQuid, the trading name of FairQuid Limited (registered company number 09763383). Our registered address is 13/15 Carteret Street, London, SW1H 9DJ, United Kingdom.
Throughout these Terms of Service, and any other legal notices, the terms “we”, “us” and “our” refer to FairQuid (also referred to as “FQ”).
FairQuid Limited offers this website as a service, including all information available, tools and services this website provides to you, the user, on the condition you accept all of the terms, conditions and policies outlined in these Terms of Service.
These Terms apply to all users of this website, including without limitation users who are browsers, vendors, customers, merchants, and/ or contributors of content. Use of our website includes accessing, browsing, or registering to use our services as a client or employee of a client.
By accessing or using any part of the website, you agree to be bound by these Terms of Service. If you do not agree to the entirety of these terms and conditions in this agreement, then you may not access the website or use any services. If these Terms of Service are considered an offer, acceptance is expressly limited to these Terms of Service. Please read these Terms carefully before using this website.
1. Changes to the Terms of Service
This website may, at any point, contain information which is out of date and, therefore, should rightly be considered historical information. The material provided on this website is for general information purposes only and is liable to be changed at any point, without us providing notice. We unreservedly and at any time may modify the contents of this website, including these Terms of Service and any other legal notices. You agree that it is your responsibility to monitor changes to this website and agree to those changes through continued use of this website.
2. Website Changes
From time to time, FairQuid may update the website design and content. We are under no obligation to update any information that is out of date at any given time, although we will make all reasonable efforts to ensure the information we provide web visitors is useful and relevant to the services we provide. We are unable to guarantee that this website, or any content published, will be free from errors or omissions.
3. Access to the Website
Access to this website is made available free of charge, without restrictions, worldwide. We can not, however, guarantee this will always be available uninterrupted. We reserve the right to suspend, withdraw, discontinue or change all or any part of the site without notice. FairQuid is not liable to you if, for any reason, the website is unavailable at any time or for any period.
We may also provide you with access to third-party tools and links on this website over which we neither monitor nor have any control nor input.
Under the terms of this agreement, you acknowledge without limitations or prejudice, and with no limitation of liability on your part, that these tools and links are provided “as is” and “as available” without any warranties, representations or conditions of any kind and without any endorsement. We shall have no liability whatsoever arising from or relating to your use of optional third-party tools.
Any use by you of optional tools and links offered through the site is entirely at your own risk and discretion, and you should ensure that you are familiar with and approve of the terms on which tools are provided by the relevant third-party provider(s).
You are responsible for making all arrangements necessary for you to have access to the site.
4. Intellectual Property
All and any Intellectual Property Rights in connection with this website and other related website and social media channels shall be owned by us absolutely. All such rights are reserved. You must not use any part of the content on this website for commercial purposes without obtaining a licence from FairQuid, and/or our licensors, respective successors and assigns.
5. Transfer or Rights
This agreement is between you and us and is binding on you and us and our respective successors and assigns.
You may not transfer, assign, charge or otherwise dispose of an agreement, or any of your rights or obligations arising under it, without our prior written consent.
We may transfer, assign, charge, sub-contract or otherwise dispose of this agreement, or any of our rights or obligations arising under it, at any time during the term of the agreement without written consent.
6. Reliability of Information
FairQuid is not a financial service provider, broker, advisor, or representative or agent of any financial service company. We are an Introducer, an Appointed Representative of the Credit Unions we work with (and receive commissions for successful introductions from them), but this does not mean we are legally qualified to provide financial advice. The content on this website is provided for general information only. You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of the content on this website.
Although we make reasonable efforts to update the information on this website, we make no representations, warranties or guarantees, whether express or implied, that the content on this website is accurate, complete or up-to-date.
7. Limitations of Liability
In no case shall FairQuid Limited, and its directors, officers, employees, consultants, agents, affiliates, subsidiaries, partners, contractors, licensors, service providers, subcontractors, suppliers, and interns be liable for any injury, loss, claim, or any direct, indirect, incidental, punitive, special, or consequential damages of any kind, including, without limitation lost profits, lost revenue, lost savings, loss of data, replacement costs, or any similar damages, whether based in contract, tort (including negligence), strict liability or otherwise, arising from your use of any of the service or any products procured using the service, or for any other claim related in any way to your use of the service or any product, including, but not limited to, any errors or omissions in any content, or any loss or damage of any kind incurred as a result of the use of the service or any content (or product) posted, transmitted, or otherwise made available via the service, even if advised of their possibility. Because some states or jurisdictions do not allow the exclusion or the limitation of liability for consequential or incidental damages, in such states or jurisdictions, our liability shall be limited to the maximum extent permitted by law.
FairQuid is not liable to any user for any loss or damage, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, even if foreseeable, arising under or in connection with:
- use of, or inability to use, this website; or
- use of or reliance on any content displayed on the site.
- If you are a business customer, please note that in particular, FairQuid is not liable for:
- loss of profits, sales, business, or revenue;
- business interruption;
- loss of anticipated savings;
- loss of business opportunity, goodwill or reputation; or
- any indirect or consequential loss or damage.
If you are a consumer user (including an employee of a business customer), please note that FairQuid only provides the site for domestic and private use. You agree not to use the site for any commercial or business purposes, and we have no liability to you for any loss of profit, loss of business, business interruption, or loss of business opportunity.
FairQuid is not liable for any loss or damage caused by a virus, distributed denial-of-service attack, or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of the site or to your downloading of any content on it, or on any website linked to it.
Nothing in this agreement shall exclude or limit your statutory rights.
A person who is not a party to this agreement and Terms of Service has no right under the Contracts (Rights of Third Parties) Act 1999 to enforce any term of this agreement.
We do not guarantee, represent or warrant that your use of our website and the service we provide will be uninterrupted, timely, secure or error-free.
We do not warrant that the results that may be obtained from the use of the service will be accurate or reliable.
You agree that from time to time we may remove the service for indefinite periods of time or cancel the service at any time, without notice to you.
8. Indemnity
You agree to indemnify, defend and hold harmless FairQuid Limited, and its directors, officers, employees, consultants, agents, affiliates, subsidiaries, partners, contractors, licensors, service providers, subcontractors, suppliers, and interns, harmless from any claim or demand, including reasonable attorneys’ fees, made by any third-party due to or arising out of your breach of these Terms of Service or the documents they incorporate by reference or your violation of any law or the rights of a third-party.
9. Severability
If any provision of these Terms of Service is determined to be unlawful, void or unenforceable, such provision shall nonetheless be enforceable to the fullest extent permitted by applicable law, and the unenforceable portion shall be deemed to be severed from these Terms of Service. Such determination shall not affect the validity and enforceability of any other remaining provisions.
10. Prohibited use of this Website, and third-party web tools and platforms
We make all reasonable efforts to ensure this website is free from bugs and viruses, but we are unable to guarantee that to web users and visitors.
In addition to other prohibitions as set forth in the Terms of Service, you are prohibited from using this website or its content: (a) for any unlawful purpose; (b) to solicit others to perform or participate in any unlawful acts; (c) to violate any national, international, federal, provincial or state regulations, rules, laws, or local ordinances; (d) to infringe upon or violate our intellectual property rights or the intellectual property rights of others; (e) to harass, abuse, insult, harm, defame, slander, disparage, intimidate, or discriminate based on gender, sexual orientation, religion, ethnicity, race, age, national origin, or disability; (f) to submit false or misleading information; (g) to upload or transmit viruses or any other type of malicious code that will or may be used in any way that will affect the functionality or operation of this website, other websites, the Internet, and social media platforms; (h) to collect or track the personal information of others; (i) to spam, phish, pharm, pretext, spider, crawl, or scrape; (j) for any obscene or immoral purpose; or (k) to interfere with or circumvent the security features of this website, other websites, or the Internet. We reserve the right to terminate your use of the Service or any related website for violating any of the prohibited uses.
You must not attempt to gain unauthorised access to this website, the servers, FairQuid computers, tablets, smartphones, email systems, or any database connected to this website. By breaching this provision, you are committing a criminal offence under the Computer Misuse Act 1990. We are duty bound to report any such breach to the relevant law enforcement authorities and will co-operate with those authorities by disclosing your identity and IP address to them. In the event of such a breach, your right to use this website will cease immediately.
11. Data Protection & Privacy
In compliance with the Data Protection Act 1998 (the “Act”), the data controller is FairQuid Limited of 13/15 Carteret Street, London, SW1H 9DJ. Our nominated representative, for the purposes of the Act, can be contacted at info@fairquid.co.uk.
When browsing or creating an account, we may collect and process the following personal data using cookies and other data collection tracking software:
Name, postal address, email address, telephone number, internet protocol (IP) address, browser, time-zone, operating system and platform (e.g. Apple iOS, Android, Windows, etc).
We do not collect or store financial data. That is only shared directly between yourself and our credit union partners. Please read their privacy policies for more information.
FairQuid makes every reasonable effort to ensure your data is secure on our systems, servers and computers.
There may be times when this is necessary, for the safety of customers, staff, directors or other affected parties. Personal Information may be shared with third parties, including the Police, to prevent, investigate, or take action concerning illegal activities, suspected fraud, or potential threats to the physical safety of any person.
It may also be necessary to share information if we suspect a violation of our Terms of Service or any other agreement related to FairQuid has occurred, or the law compels us to disclose information in a situation whereby we are legally obligated.
We reserve the right to modify this policy at any time, so please review it frequently. Changes and clarifications will take effect immediately upon their posting on the website. You can always contact us to find what data we have collected on yourself and you can opt-out of any email newsletter or customer database at any time.
12. Termination
The obligations and liabilities of the parties incurred before the termination date shall survive the termination of this agreement for all purposes.
These Terms of Service are effective unless and until terminated by either you or us. You may terminate these Terms of Service at any time by notifying us that you no longer wish to use this website.
If in our sole judgment you fail, or we suspect that you have failed, to comply with any term or provision of these Terms of Service, we also may terminate this agreement at any time without notice.
13. Entire Agreement
The failure of us to exercise or enforce any right or provision of these Terms of Service shall not constitute a waiver of such right or provision.
These Terms of Service and any policies or operating rules posted by us on this website constitutes the entire agreement and understanding between you and us and governs your use of the website, superseding any prior or contemporaneous agreements, communications and proposals, whether oral or written, between you and us (including, but not limited to, any prior versions of the Terms of Service).
Any ambiguities in the interpretation of these Terms of Service shall not be construed against the drafting party.
14. Governing Law
These Terms or Services will be governed by and interpreted in accordance with the laws of England and Wales and the parties hereby submit to the exclusive jurisdiction of the English courts.
15. Notices and Contact Information
Please contact us with regards these Terms of Service, or any data or information we currently hold about yourself at 13/15 Carteret Street, London, SW1H 9DJ. Please email info@fairquid.co.uk. FairQuid is registered under Data Protection Act 1998 with the Information Commissioner’s Office with registration reference: ZA174337.