Terms & Conditions

RBS Invoice Finance Website

This website is owned and maintained by RBS Invoice Finance Limited. The use of this website is subject to the following terms and conditions, which you should read carefully. By using this website you agree to be legally bound by these terms and conditions. If you do not accept these terms and conditions, please do not use this website.

Use of website

1 The products and services are not offered to any person or entity in any jurisdiction where the advertisement, offer or sale of such products and services is restricted or prohibited by law or regulation or where RBS Invoice Finance would be subject to any registration or licensing requirement.

The information provided on this website or in any communication containing a link to this site is for personal use and informational purposes only and is not intended for distribution to, or use by, any person or entity in any jurisdiction in any country where such distribution or use would be contrary to law or regulation or which would subject RBS Invoice Finance to any registration requirement within such jurisdiction or country.

2 This website is designed to be accessed through its principal home pages and such other pages as we may decide. If you access the site through individual pages directly, which are not designed for this purpose, you may not see important information which is relevant to information on this website.

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Exclusion of liability

3 These 'Exclusion of Liability' provisions should be read carefully as they exclude or limit our legal liability in connection with your use of this website. Nothing in these terms and conditions and in particular within the 'Exclusion of Liability' clauses shall attempt to exclude liability that is not permissible under applicable law, including without limitation, for death or personal injury, or for fraudulent misrepresentation.

4 While we have taken all reasonable steps to ensure the accuracy and completeness of the content of the website, we exclude any warranties, undertakings or representations (either express or implied) to the full extent permitted under applicable law, that the website or (including without limitation) all or any part of the content or materials, accuracy, availability or completeness of the content of the website or any part of the content or materials are appropriate or available for use either in the United Kingdom or in other jurisdictions. If you use this website from other jurisdictions, you are responsible for compliance with applicable local laws.

5 We accept no liability (including without limitation) in either contract, tort, negligence, statutory duty or otherwise (to the maximum extent permitted by applicable law) arising out of the use of or access to this website (which includes without limitation) any errors or omissions contained in this website or if the website is unavailable and we shall not be liable for any direct or indirect:

• economic losses (including without limitation loss of revenues, data, profits, contracts, use, opportunity, business or anticipated savings);
• loss of goodwill or reputation;
• special, incidental, consequential loss or damage,
• suffered or incurred arising out of or in connection with your use of this website and these terms and conditions.

6 Access to and use of this website is at the user's own risk and we do not warrant that the use of this website or any material downloaded from it will not cause damage to any property, or otherwise minimise or eliminate the inherent risks of the internet including but not limited to loss of data, computer virus infection, spyware, malicious software, trojans and worms. Also, we accept no liability in respect of losses or damages arising out of changes made to the content of this website by unauthorised third parties.

7 This web site contains links to other web sites which are hosted and maintained by third parties. We have no control over the content or security of any such site. You link to such sites at your own risk, and we make no representations regarding the content of any such web site. We cannot be liable for any loss or damage which may arise from the use of such third party web sites.

8 The above limitation or exclusion may not apply to you to the extent that applicable law may not allow the limitation or exclusion of liability for incidental or consequential damages.

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Personal Data

9 We may use and share your information with other members of the RBS Group to help us and them:

• assess financial and insurance risks;
• recover debt;
• develop customer relationships, services and systems;
• prevent and detect crime;

Your information includes information about your transactions.
We do not disclose your information to anyone outside the Group except:

• where we have your permission; or
• where we are required or permitted to do so by law; or
• to other companies who provide a service to us or you
• where we may transfer rights and obligations under this agreement.

From time to time we may change the way we use your information. Where we believe you may not reasonably expect such a change we shall write to you. If you do not object to the change within 60 days, you consent to that change.

If you would like a copy of the information we hold about you, please write to: The Data Protection Manager, RBS Invoice Finance Limited, Smith House, Elmwood Avenue, Feltham, Middlesex TW13 7QD. A fee may be payable.

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Copyright

10 All rights, save as expressly granted, are reserved. Reproduction in any form of any part of the contents of this website without our prior written consent is prohibited unless for personal use only.

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Trade marks

11 This website contains numerous trademarks belonging to RBS Invoice Finance Limited and other companies in The Royal Bank of Scotland Group. The unregistered trademarks include graphics, logos, words, phrases and icons contained on this website. No rights are granted in respect of any of the above trademarks. If you are in doubt as to whether an item is a trademark of RBS Invoice Finance Limited or the RBS Group, please contact us for clarification at the registered office address below.

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Changes to website

12 The contents of this website, including these terms and conditions of use, are subject to change by us without notification and RBS Invoice Finance shall not be obliged to remove any outdated information from the website or to expressly mark it as being outdated.

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Telephone Calls

13 Calls may be recorded.

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Internet communications

14 In order to maintain the security of its systems, protect its staff and detect fraud and other crimes, RBS Invoice Finance reserves the right to monitor all internet communications, including web and email traffic, into and out of its domains. Monitoring includes checks for, but not limited to; viruses and other malignant code, criminal activity, and use or content which is unauthorised as being in breach of the Group Dignity at Work and Information Security policies.

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Enforceability

15 In the event any provision of these terms and conditions of use and access of this website is held unenforceable, it will not affect the validity and enforceability of the remaining provisions and will be replaced by an enforceable provision that comes the closest to the intention underlying the unenforceable provision.

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Governing Law

16 The terms and conditions of use of this website are governed by the laws of England and any dispute regarding this website shall be subject to the exclusive jurisdiction of the English courts.

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Registered details

17 RBS Invoice Finance Limited. Registered in England No. 662221. Registered Office: Smith House, Elmwood Avenue, Feltham, Middlesex TW13 7QD. RBS Invoice Finance Limited's registered VAT number is 243 8527 52.

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Security may be required. Product fees may apply.