These Terms apply to your use of our website. If you are not over 18 or not living in the United Kingdom you will not be able to use this website and you should not attempt to make an application, although subject to your acceptance of these Terms you should feel free to browse. If you do not agree to be bound by the Terms set out below you should not use this website.
Please be aware of the following:
“We may use personal information to provide the services you’ve requested. We may also use this information for auditing, research and analysis to operate and improve our technologies and services.
“Our site allows you to opt out of receiving communications from us when we request your information. Also, if you want to opt out at a later point, you can do so by e-mailing us or writing to our address.”
The following words have the following meanings:
"Terms" means these terms and conditions;
"Product Provider" means any credit card issuer, loan broker, insurance company, life office, broker and administration provider, operator of a collective investment scheme, fund manager, bank, building society or any other financial institution;
"Us/Our" means Legalwebb UK Limited;
"You" means the user of the website.
Copyright Trademark and site content
You acknowledge and accept that all copyright, trademarks and all other intellectual property rights in all material or content provided as part of the website belong to us, or a Product Provider. You may download material from this site for your own use only. No right, title or interest in any downloaded materials is transferred to you by such downloading.
Any other use of the material and content of the website is strictly prohibited and you agree not to copy, reproduce, transmit, publish, display, distribute, commercially exploit or create derivative works of such material except with our written consent.
Our Liability to you
While we will use all reasonable endeavours to ensure the accuracy of any information placed on the website, we make no representations or give any warranties of any kind with respect to this site or its contents and we disclaim all representations, except where fraudulently made, and warranties. In addition we make no representations or warranties about the accuracy or the information contained on this website. The information provided to you in connection with the products is provided by the Product Providers and you acknowledge that we have no liability to you with respect to the accuracy of such information. As we rely on information given to us by third parties there may be a time delay in keeping that information up to date. You should therefore check the accuracy of the information.
The website may only list the Product Providers with whom we have arrangements and may not cover all Product Providers in the market. These disclaimers do not attempt to disclaim liability for matters that cannot be excluded under any applicable English law.
We make no warranty that the website will meet your requirements or will be uninterrupted, timely, secure or error-free, that defects will be corrected, or that the site or the server that makes it available are free of viruses or bugs or represents the full functionality, accuracy or reliability of the materials.
We will not be liable to you for any loss of content or material uploaded or transmitted through the website.
We cannot guarantee that a Product Provider will be able to provide a product at any particular time. We do not accept any liability in the event of withdrawal of any offering of a product or for rejection of your application by the Product Provider for any reason whatsoever.
Neither we, nor any of our directors, agents or employees will be liable for damages arising out of or in connection with your use of this site.
This is a comprehensive limitation of liability that applies to all damages of any kind, including, without limitation, compensatory, direct, indirect or consequential damages, loss of data, income or profit, loss or damage to property and claims of third parties. We do not exclude any liability for death or personal injury resulting from our negligence or that of our directors, agents or employees.
This website is designed to provide you with general information only and does not attempt to give you advice on any particular investment or to recommend any particular investment to you. If you have any doubt as to whether a particular investment is suitable for you, you should contact an Independent Financial Adviser.
In using this website, we require that you abide by these Terms. If you fail to abide by them, and this failure causes us to suffer a claim, action, liability, or loss because of your failure to abide by these Terms, you agree to indemnify us, on demand, for all costs and expenses, including legal fees, which arise out of your failure to abide by these Terms.
We reserve the right at any time to modify or withdraw, temporarily or permanently, the website or any part of it without notice to you and we will not be liable to you in any way for any modification or withdrawal of the website. We also reserve the right to modify these Terms without reference to you.
We reserve the right at any time to refuse to process a transaction for any reason. We will not be liable to you or any third party by reason of our failing to process a transaction.
By making an application for any product you expressly authorise us to transmit information or to obtain information about you from third parties from time to time, including but not limited to your credit reports, in order to authenticate your identity.
Third Party Links
In the event that there are third party links to other websites for your convenience, you acknowledge and agree that we are not responsible for the availability or functionality of such external sites. We do not endorse the content of any external sites and are not responsible or liable, directly or indirectly, for any loss however caused to you by your use of any external site.
Third-Party Web Beacons: We use third-party web beacons from Yahoo! to help analyze where visitors go and what they do while visiting our website. Yahoo! may also use anonymous information about your visits to this and other websites in order to improve its products and services and provide advertisements about goods and services of interest to you. If you would like more information about this practice and to know your choices about not having this information used by Yahoo!, click here.”
The information on this website is for residents of the UK only.
We shall not be liable to you where performance of any of our obligations to you is prevented, frustrated or impeded by any circumstance or cause beyond our control.
If any part of these Terms is found to be unenforceable as a matter of law, all other parts of these Terms shall not be affected and shall remain in force.
These Terms shall be governed by and construed in accordance with English law and the English courts shall have jurisdiction over any disputes between us.
Which4u - Beat My Card Service
When using the Beat My Card service we do not store or collect your data. The tool is simply a calculator which helps identify the costs incurred in running a credit based on your normal usage which you enter. The resulting calculation is based on the assumptions detailed in the results page. Visitors who wish to view their results are added to our opt-in mailing list and may receive communication from Which4u from time to time. By ticking the terms and conditions box you are agreeing to be being added to our mailing list. We will mail you with our bi-weekly moneysaving e-news letters and to remind you when your introductory offer on your existing card is coming to an end, with the aim of hopefully saving you money. Users can unsubscribe at any time by clicking 'unsubscribe' in the email.