L&M Finance Corporation Limited                                                                                                                                                   

Website Terms & Conditions/Privacy Policy/Disclaimer                                                                                                                                              

Welcome to our website

If you continue to browse and use this website, you are agreeing to comply with and be bound by the following terms and conditions of use, which together with our privacy policy govern L&M Finance Corporation Limited’s relationship with you in relation to this website. If you disagree with any part of these terms and conditions, please do not use our website.

The term “L&M Finance Corporation Limited” or “London & Midlands Finance Corporation” or “Watling Chambers” or “us” or “we” refers to the owner of the website whose registered office is Watling Chambers 214 Watling Street Cannock Staffordshire England WS11 0BD. Our company registration number is 1762503. The term ‘you’ refers to the user or viewer of our website.

The use of this website is subject to the following terms of use:

The content of the pages of this website is for your general information and use only. It is subject to change without notice.

This website may use cookies to monitor browsing preferences. If you do allow cookies to be used, the following personal information may be stored by us for use by third parties: (any information by which you can be identified).

Neither we nor any third parties provide any warranty or guarantee as to the accuracy, timeliness, performance, completeness or suitability of the information and materials found or offered on this website for any particular purpose. You acknowledge that such information and materials may contain inaccuracies or errors and we expressly exclude liability for any such inaccuracies or errors to the fullest extent permitted by law.

Your use of any information or materials on this website is entirely at your own risk, for which we shall not be liable. It shall be your own responsibility to ensure that any products, services or information available through this website meet your specific requirements. We do not provide advice or recommendation. We strongly recommend you take appropriate independent legal, financial, tax or business advice as may be appropriate to your circimstances before proceeding with any product or service contained on this website.

This website contains material which is owned by or licensed to us. This material includes, but is not limited to, the design, layout, look, appearance and graphics. Reproduction is prohibited other than in accordance with the copyright notice, which forms part of these terms and conditions.

All trademarks (whether registered or unregistered) reproduced in this website, which are not the property of, or licensed to the operator, are acknowledged on the website.

Unauthorized use of this website may give rise to a claim for damages and/or be a criminal offence.

From time to time, this website may also include links to other websites. These links are provided for your convenience to provide further information. They do not signify that we endorse the website(s). We have no responsibility for the content of the linked website(s).

Your use of this website and any dispute arising out of such use of the website is subject to the laws of England and subject to the exclusive jurisdiction of the English Courts. Only UK residents may apply for any of the services on offer. Further terms and conditions will apply in respect of all services offered or described on this site. These are available to view at the appropriate location on this site or may be made available at a later time.

Disclaimer

The information contained in this website is for general information purposes only. The information is provided by L&M Finance Corporation Limited and while we endeavour to keep the information up to date and correct, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability or availability with respect to the website or the information, products, services, or related graphics contained on the website for any purpose. Any reliance you place on such information is therefore strictly at your own risk.

In no event will we be liable for any loss or damage including without limitation, indirect or consequential loss or damage, or any loss or damage whatsoever arising from loss of data or profits arising out of, or in connection with, the use of this website.

Through this website you are able to link to other websites which are not under the control of L&M Finance Corporation Limited. We have no control over the nature, content and availability of those sites. The inclusion of any links does not necessarily imply a recommendation or endorse the views expressed within them.

Every effort is made to keep the website up and running smoothly. However, L&M Finance Corporation Limited takes no responsibility for, and will not be liable for, the website being temporarily unavailable due to technical issues beyond our control.

Privacy

This privacy policy sets out how L&M Finance Corporation Limited uses and protects any information that you give L&M Finance Corporation Limited when you use this website.

L&M Finance Corporation Limited is committed to ensuring that your privacy is protected. Should we ask you to provide certain information by which you can be identified when using this website, then you can be assured that it will only be used in accordance with this privacy statement.

L&M Finance Corporation limited may change this policy from time to time by updating this page. You should check this page from time to time to ensure that you are happy with any changes.

What we collect

We may collect the following information:

 Name, address, and job title

 contact information including email address

 demographic information such as postcode, preferences and interests

 other information relevant to customer needs

What we do with the information we gather

We require this information to understand your needs and provide you with a better service, and in particular for the following reasons:

 Internal record keeping.

 We may use the information to improve our products and services.

 We may periodically send promotional emails about new products, special offers or other information which we think you may find interesting using the email address which you have provided.

 From time to time, we may also use your information to contact you for market research purposes. We may contact you by email, phone, fax or mail. We may use the information to customize the website according to your interests.

Security

We are committed to ensuring that your information is secure. In order to prevent unauthorized access or disclosure, we have put in place suitable physical, electronic and managerial procedures to safeguard and secure the information we collect online.

If you send us an email from your private mailbox, we cannot guarantee the security of the content. For that reason, please do not send an unsecured email with confidential information such as your national insurance number or bank account details. Likewise, if we send an email to your mailbox,for example to reply to an enquiry, once the email has left us, we cannot guarantee it will stay private. This means that we will not accept responsibility for the security of emails outside our systems, or accept liability if anything happens to your email (for example, if they are intercepted) outside our systems. If you ask us to email you information that is personal or confidential, we may need to ask you for extra information to check your identity and to give your authority to send that information to you. We have to do this under the Data Protection Act.

How we use cookies

A cookie is a small file which asks permission to be placed on your computer's hard drive. Once you agree, the file is added and the cookie helps analyze web traffic or lets you know when you visit a particular site. Cookies allow web applications to respond to you as an individual. The web application can tailor its operations to your needs, likes and dislikes by gathering and remembering information about your preferences.

We use traffic log cookies to identify which pages are being used. This helps us analyze data about web page traffic and improve our website in order to tailor it to customer needs. We only use this information for statistical analysis purposes and then the data is removed from the system.

Overall, cookies help us provide you with a better website, by enabling us to monitor which pages you find useful and which you do not. A cookie in no way gives us access to your computer or any information about you, other than the data you choose to share with us.

You can choose to accept or decline cookies. Most web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. This may prevent you from taking full advantage of the website.

Links to other websites

Our website may contain links to other websites of interest. However, once you have used these links to leave our site, you should note that we do not have any control over that other website. Therefore, we cannot be responsible for the protection and privacy of any information which you provide whilst visiting such sites and such sites are not governed by this privacy statement. You should exercise caution and look at the privacy statement applicable to the website in question.

Controlling your personal information

You may choose to restrict the collection or use of your personal information in the following ways:

We will not sell, distribute or lease your personal information to third parties unless we have your permission or are required by law to do so. We may use your personal information to send you promotional information about third parties which we think you may find interesting if you tell usthat you wish this to happen.

You may request details of personal information which we hold about you under the Data Protection Act 1998. A small fee will be payable. If you would like a copy of the information held on you please write to Customer Services Watling Chambers 214 Watling Street Cannock Staffordshire England WS11 0BD

If you believe that any information we are holding on you is incorrect or incomplete, please write to us as soon as possible, at the above address. We will promptly correct any information found to be incorrect.

Virus Protection

You must take your own precautions to ensure that the process which you employ for accessing this website does not expose you to the risk of viruses, malicious computer code or other forms of interference which may damage your own computer system. It is always wise for you to run an anti-virus program on all material downloaded from the internet. We cannot accept any responsibility for any loss, disruption or damage to your data or your computer system which may occur whilst using material derived from this website.

General

We accept no liability for any failure to comply with these terms and conditions where such failure is due to circumstances beyond our reasonable control.

If we waive any rights available under these terms and conditions on one occasion, this does not mean that those rights will automatically be waived on any other occasion.

If any of these terms and conditions is held to be invalid, unenforceable or illegal for any reason, the remaining terms and conditions shall nevertheless continue in full force.

L&M Finance Corporation Limited does not accept the service of any legal notices by email.