Terms and Conditions of Use

1. General

1.1 This Website is provided by Micro Lend UK Ltd (the "Company") of PO BOX 48563 , LONDON , NW4 9BA . 1.2 The Company is authorized by the Office of Fair Trading to provide access to loans (secured and unsecured) and debt management supplied by carefully selected third parties (the "Services"). 1.3 Your use of Micro Lend UK Ltd (the "URL") or amendment to the URL form time to time (the Website) is subject to the following terms and conditions, which you are deemed to accept by using the Website. If you do not agree to these terms and conditions, you must not use the Website.

2. Disclaimer regarding content

2.1 The Company does not offer investment or insurance advice and nothing in the Website or documents available through it shall be deemed to be such advice. 2.2 Whilst every effort is made to ensure the quality of the information on the Website; the Company cannot and does not guarantee or warrant that any of the information that you may receive through the Website is accurate, up to date or complete. 2.3 From the Website you may be able to obtain access to websites operated by third parties. Access to such third-party websites is entirely at your own risk. The Company do not accept any responsibility for any damage or loss you may suffer arising out of access to those websites. 2.4 Any links to such third-party websites are for your convenience and the inclusion of the link in our Website does not imply any endorsement, guarantee, warranty or representation by the Company of the quality or accuracy of the information, products or services provided to you on those third-party websites. 2.5 The Company takes all reasonable care to ensure that information, documents and files posted on the Website are free from viruses. However, the Company cannot guarantee that documents or files downloaded from the Website will be free from viruses and we do not accept any responsibility for any damage or loss caused by any virus. Accordingly, for your own protection, you must use virus-checking software when using the Website. You must not post or provide to us via the Website, any document or file which you believe may contain a virus. You must virus check any document or file which you intend to post or provide to us via the Website.

3. Rights

3.1 The software that runs the Website is owned by the Company save to the extent expressly permitted by law, you must not copy, modify, download, distribute or de-compile that software without our consent. 3.2 By accessing the Website, you agree that you will access its contents solely for your own private non-commercial use. Where you download, store or print off any of the contents of the Website, you must ensure that the Company's copyright notice appears thereon. 3.3 The copyright and all other intellectual property rights in all of the content and material of whatever form contained in the Website (including, but not limited to, the organisation, layout, information, photographs and graphical images) is owned by the Company and may not be reproduced or used without the Company's express prior written permission. 3.4 The Company reserve the right to update, modify, or close (temporarily or permanently) the Website at any time and do not accept liability for your use or inability to use the Website. 3.5 The Company reserve the right to vary or amend these terms and conditions from time to time. Any changes will take effect upon posting to the Website. You should ensure that these Terms and Conditions of use are reviewed on a regular basis.

4. Your Warranties

4.1 You warrant that: 4.1 (a) you will only use the Website in accordance with these terms and conditions and only for lawful purposes and in a lawful manner; and 4.1 (b) all information and any document or file that you provide to us via the Website does not contravene any applicable laws or contravene any person's legal rights, is not offensive or defamatory, is true, accurate, current and complete in all respects and that you will notify us immediately of any changes to that information, document or file.

5. Online Privacy

5.1 The Company respects your privacy. Please read our Privacy Policy for more information.

6. Limitation of liability

6.1 The Company shall not be liable to you for: 6.1 (a) communication sent by email which is either received late or not received at all. 6.1 (b) any loss arising out of the inaccuracy or incompleteness of information contained on the Website. 6.2 The Website and/or any services are provided to you on an "as is" and "as available" basis without any warranty being given in relation to the Website or Services including (but not limited to) implied warranties of non-infringement, compatibility, security, accuracy, fitness for purpose, that any information is up to date or correct, or any implied warranty arising from course of dealing or usage or trade. 6.3 Whilst the Company endeavour to maintain the availability of the Website, we make no warranty that the Website will meet your requirements or will be uninterrupted, timely, or error-free, that defects will be corrected or that the site or the server(s) that makes it available are free of viruses or bugs. 6.4 The Company will not be responsible or liable to you for any loss of material uploaded or transmitted through the Website. 6.5 We shall not be liable for any special, indirect or consequential damages or loss of business or profits however caused. 6.6 The Company's liability to you under these terms and conditions in relation to the Services, whether arising from negligence, breach of contract or otherwise, shall not exceed the amount paid by you for the Service. 6.7 Nothing in these terms and conditions shall exclude or limit liability for death or personal injury resulting from our negligence or that of our agents or employees.

7. Entire agreement clause

7.1 These terms and conditions contain the whole agreement between the parties relating to the subject matter of these terms and conditions and supersedes all previous agreements between the parties relating to that subject matter. 7.2 Each party acknowledges that in agreeing to enter into this agreement it has not relied on any representation, warranty or other assurance except those set out in these terms and conditions. 7.3 Each party waives all rights and remedies which, but for this clause 7, might otherwise be available to it in respect of any such representation, warranty or other assurance.

8. Force Majeure

8.1 Neither party shall be liable to the other for any delay or non-performance of its obligations under this agreement arising from any cause or causes beyond its reasonable control.

9. General

9.1 The terms and conditions contained in this legal notice shall be governed by English law. Any dispute arising between you and us in relation to the Website and/or Services shall be governed by English law and you submit to the exclusive jurisdiction of the English Courts for the purposes of any such dispute. 9.2 You agree to indemnify, defend and hold us, and our officers, directors, employees, agents and suppliers harmless immediately on demand, from and against all liability, damages, losses, costs and expenses, including legal fees, arising out of any breach of these terms and conditions by you or other liabilities arising out of your use of the Website and/or Services. 9.3 If any term of this agreement is or becomes illegal, invalid or unenforceable in any jurisdiction, that shall not affect the validity of the remaining terms. 9.4 A person who is not a party to these terms and conditions may not enforce any of its terms under the Contracts (Rights of Third Parties) Act 1999. 9.5 The rights of each party under these terms and conditions are cumulative, not exclusive of rights or remedies provided by law; and may be waived only in writing and. 9.6 Delay in exercising or non-exercise of any such right is not a waiver of that right. 9.7 Nothing in these terms and conditions shall be deemed to constitute a partnership between us and you, nor constitute either party the agent of the other party for any purpose.