This website is operated by Codat Limited (we, us, our or Codat). Our registered company number is 10480375 and our registered address is at 17 Minstrel Court, Teesdale Close, E2 6PQ.
These terms set out the basis on which you are allowed to use this website. Your use of the website will be subject to these terms.
These terms were last updated on 4th January 2017.
What you are allowed to do
You may only use the website for your internal business purposes in accordance with these terms. You may retrieve and display content from the website, print and copy individual pages for your internal business purposes and, subject to the next section, store such pages in electronic form.
Additional terms may also apply to certain features, parts or content of the website. Where they apply, the additional terms will be available at the relevant part of the website and you may only use the relevant feature, part or content in accordance with those terms.
What you are not allowed to do
You may only use the website for lawful purposes, and you are not allowed to:
- copy any part of the website (except as permitted above, and to the extent that copying occurs automatically in the normal course of your accessing the website using a browser);
- store pages of the website on a server or other storage device connected to a network or create an electronic database by systematically downloading and storing all of the pages of the website;
- modify, translate, or otherwise create derivative works from any part of the website;
- interfere with, or disrupt, the provision of the website or its use by anyone else, or remove or change any content of the website;
- upload to the website and/or use the website to store or transmit any malicious code or harmful programs designed to adversely affect the operation of any computer software, hardware or network;
- attempt to circumvent the website's security, gain unauthorised access to the website, the server on which the website is stored or any server, computer or database connected to the website; and
- create links to the website from any other website without our written consent.
We reserve the right to withdraw linking permission in our discretion. If you wish to use any material on the website in any way or for any purpose that is not authorised in these terms, please contact us at firstname.lastname@example.org. All rights granted to you under these terms will terminate immediately if you are in breach of any of them. Access to the website It is your responsibility to ensure that your computer system meets all the necessary technical specifications to enable you to access and use the website. Certain features, parts or content of the website are restricted to users who have registered with us. In order to access those features, parts of content, you must register for and open an account with us via the website. You must ensure that any registration details you provide are accurate. In doing so, you must ensure that all of the details that you give us are accurate and complete, and are kept up-to-date. You must treat your log-on ID (e.g. username and password or other identifier(s)) as confidential and must not reveal them to anyone else or allow anyone else to use them. You must notify us immediately via email@example.com if anyone else has become aware of your ID in circumstances in which there is a risk of misuse or if you have any reason to believe that there is any other risk of any unauthorised use of your account. Unless you have notified us that something has happened to cause a risk of unauthorised use of your ID, then any activities that occur under your ID will be treated as if they were carried out by you.
We reserve the right to disable your log-on ID, at any time, if in our opinion:
- you have not complied with any of these terms;
- any details you provide for the purposes of registering as a user are or may be false; or
- there is any other risk to the security or integrity of our website.
Availability, content and standards
We will use reasonable efforts to ensure that the website is available as much of the time as possible, but we cannot guarantee that it will be available all of the time. There may be times when certain features, parts or content of the website, or the entire website, become unavailable (whether on a scheduled or unscheduled basis). We reserve the right to modify, suspend or withdraw the website at any time without notice to you. We will not be liable to you or any third party for any unavailability, modification, suspension or withdrawal of the website or any features, parts or content of the website for any period.
We may impose limits on certain features of the website or restrict your access to parts or all of it without notice or liability. Except as expressly set out in these terms, we do not give or enter into any condition, warranty or other term to the effect that the website is or will be free from defects, or that it will comply with any particular standards. While we try to make sure that all information on the website is correct, it is not intended to amount to advice on which reliance should be placed. You should check with us or the relevant information source and exercise your own judgement before acting on any such information. To the fullest extent permitted by law, we will not be liable for any loss or damage incurred as a result of your reliance on any of the content on the website. We cannot and do not guarantee that any content of the website will be free from viruses and/or other code that may have contaminating or destructive elements. It is your responsibility to implement appropriate IT security safeguards (including anti-virus and other security checks) to satisfy your particular requirements as to the safety and reliability of content.
Our website may include links to other websites to provide you with access to information and services that you might find useful or interesting. We have no control over and are not responsible for the content of these other websites or for anything provided by them and do not guarantee that they will be available at any given time. The fact that we include links to such external websites does not imply any endorsement of or association with their operators.
Intellectual property rights
All intellectual property rights in any content on the website (including text, graphics, software, photographs and other images, videos, sound, trade marks and logos) are owned by us or our licensors. We give you a non-exclusive licence to use and access the website and its content solely for your own internal business use as permitted by these terms. If you print off or copy pages from the website as permitted by these terms, you must not remove any copyright, trade mark or other intellectual property right notices from the content. Except to the extent expressly set out in these terms, you are not being given any rights in respect of any intellectual property rights owned by us or our licensors and you acknowledge that you do not acquire any ownership of, or other rights in relation to, any such intellectual property rights by downloading any content from the website or otherwise.
We will not be liable to you for any: (i) losses which arise as a result of your unauthorised use of the website (including any breach by you of these terms); or (ii) losses that were not caused by our breach of these terms.
We will not be liable to you for any: (i) loss of profits; (ii) loss of revenue; (iii) loss of anticipated savings; (iv) loss of business; (in each case whether such loss is direct or indirect); or (v) indirect, consequential or special loss or damage.
Nothing in these terms shall in any way limit or exclude our liability for negligence causing death or personal injury, for fraudulent misrepresentation or for anything which may not be legally excluded or limited.
Use of any personal information you submit via the website is governed by our privacy and cookies policy.
These terms and your access and use of the website will be governed by English law. Any dispute regarding the website or these terms will be dealt with by the English courts. Nothing will prevent us from bringing proceedings to protect our intellectual property rights before any competent court.
If any part of these terms is found to be unenforceable, all the other parts shall remain unaffected. All notices given by you to us must be given in writing to the address set out at the end of these terms. If we do not enforce any of our rights, that does not mean that the rights concerned have been waived.
Contacting usIf you have any questions about these terms or any problems concerning the website or its use, please contact us: by emailing us at firstname.lastname@example.org
Codat Privacy and Cookies Policy
Information we may collect from youWe may collect and process the following information about you and your business:
- information (such as your name, email address, postal address, telephone number and financial information about your business) that you provide or make available to us;
- by completing forms on the website, including if you register with the website as a lender, borrower or introducer or if you subscribe to any of our services; by uploading or submitting any material via the website;
- using a third party service or third party application (such as Xero or Quickbooks) to import data to the website or otherwise share your information with us;
- in connection with an account sign-in facility, your log-in and password details;
- details of any transactions made by you via the website or as a result of the service provided via the website;
- communications you send to us, for example to report a problem or to submit queries, concerns or comments regarding the website or our services.
You are under no obligation to provide any such information. However, if you should choose to withhold requested information, we may not be able to provide you with certain services.
If you are an introducer, you may be asked to provide details of a borrower or potential borrower, which may include personal information. By providing us with their details, you confirm that you have their permission to do so and must not provide us with the details of anyone from whom you do not have such permission.
When you visit the website, we may automatically collect additional information about you, such as the type of internet browser you use, any third party website from which you have come to the website and your IP address (the unique address which identifies your computer on the internet) and your operating system, which are automatically recognised by our web server. You cannot be identified from this information and it is only used to assist us in providing an effective service on the website and to collect broad demographic information for aggregate use.
When you visit our website, our web server sends a cookie to your computer. Cookies are small pieces of information which are issued to your computer when you visit a website, and which store and sometimes track information about your use of the website. A number of cookies we use last only for the duration of your web session and expire when you close your browser ('session cookies'). Other cookies are used to remember you when you return to the website and will last for longer ('persistent cookies').
- remember that you have visited us before so that we can identify the number of unique visitors we receive and allow us to make sure we have enough capacity for the number of users that we get;
- customise elements of the promotional layout and/or content of the pages of the website; and
- collect anonymous statistical information about how you use the website (including how long you spend on the website) and where you have come to the website from, so that we can improve the website and learn which parts of the website are most popular with users.
Most web browsers automatically accept cookies but, if you prefer, you can change your browser to prevent that or to notify you each time a cookie is set. You can also learn more about cookies by visiting www.allaboutcookies.org which includes additional useful information on cookies and how to block cookies using different types of browser. Please note, however, that by blocking or deleting cookies used on the website, you may not be able to take full advantage of the website.
Third party services
The website may, from time to time, contain links to external websites. We are not responsible for the privacy policies or the content of such websites.
We place great importance on the security of all personally identifiable information associated with our users. We have security measures in place to attempt to protect against the loss, misuse and alteration of personal information under our control. For example, our security and privacy policies are periodically reviewed and enhanced as necessary and only authorised personnel have access to personal information. While we cannot ensure or guarantee that loss, misuse or alteration of information will never occur, we use all reasonable efforts to prevent it.
You should bear in mind that submission of information over the internet is never entirely secure. We cannot guarantee the security of information you submit via the website while it is in transit over the internet and any such submission is at your own risk.
It is advisable to close your browser when you have finished your user session to help ensure others do not access your personal information if you use a shared computer or a computer in a public place.
Storage of your information
Information that you submit via the website is sent to and stored on secure servers located in Europe. This is necessary in order to process the information. Information submitted by you may be transferred by us to our other offices and/or to our third party service providers outside the European Economic Area (EEA). The countries concerned may not have similar data protection laws to the EEA. Where we transfer your information we will take all reasonable steps to ensure that your privacy rights continue to be protected. By submitting information via the website, you agree to this storing, processing and/or transfer.
You have a legal right under the Data Protection Act 1998 to a copy of all the personal information about you held by us. On request, we will provide you with a copy of this information subject to a fee not exceeding £10. You also have a right to correct any errors in that information. As mentioned above, you have a right to prevent the use of your personal information for direct marketing purposes.