Terms and Conditions
Information about us
www.lowell.co.uk is a Website operated by Lowell Financial Ltd that is part of the Lowell Group of companies (Please note that Lowell Group will be referred to within these terms and conditions as "We", “Us” or “Our”).
We are registered in England and Wales under company number 4558936 and have our registered office at Enterprise House, 1 Apex View, Leeds, LS11 9BH.
We are regulated by the Office of Fair Trading under the Consumer Credit Act 1974 (as amended), with Consumer Credit Licence Number 528607. We are a member of the Credit Services Association (CSA) and the Debt Buyers and Sellers Group (DBSG).
Accessing our Website
We will try to make the Website available but cannot guarantee that the Website will operate continuously or without interruptions or be error free or that defects will be corrected even if We are aware of them.
Your access to the Website may occasionally be suspended or restricted to allow for repairs, maintenance or the introduction of new facilities or services.
We accept no liability if the Website is unavailable or does not function as anticipated for any reason.
From time to time, we may limit some areas of our Website to individuals who we have contacted in connection with the payment of a debt and/or who have been provided with validation details. If this applies to you, in order to access these areas and manage your account you will be required to enter certain validation details. You are entirely responsible for maintaining the confidentiality of your validation details. You agree to notify us immediately if you believe that there has been any unauthorised activity on the Website as a result of your validation details becoming compromised.
You are responsible for making all arrangements necessary for you to have access to our site. You are also responsible for ensuring that all persons who access our site through your internet connection are aware of these terms, and that they comply with them.
Intellectual property rights
We are the owner or the licensee of all intellectual property rights in our site, and in the material published on it. Those works are protected by copyright laws and treaties around the world. All such rights are reserved.
All trademarks (including registered and unregistered marks), trade names, logos and trading styles on the Website are owned by Us and you may not use them without the prior written consent of Us.
You may not modify, copy, reproduce, republish, upload, transmit or distribute, in any manner, the material on the Website, including text, graphics, code and/or software.
You may print off one copy, and may download extracts, of any page(s) from our Website solely for your personal reference. You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text. You must not use any part of the materials on our Website for commercial purposes without obtaining a licence to do so from Us.
Relliance on information posted
Content and other materials posted on our Website are not intended to amount to advice on which reliance should be placed. We therefore disclaim all liability and responsibility arising from any reliance placed on such materials by any visitor to our Website, or by anyone who may be informed of any of its contents.
We exclude all express or implied terms, conditions, warranties, representations or endorsements which might otherwise be implied by statute, common law or the law of equity, whatsoever with regard to the Website or any information or service provided through the Website.
The material displayed on our Website is provided “as is” without any guarantees, conditions or warranties as to its accuracy.
We exclude any liability for any direct, indirect or consequential loss or damage incurred by any user in connection with our Website or in connection with the use, inability to use, or results of the use of our Website, any websites linked to it and any materials posted on it.
We do not accept any liability for any charges, interest or other costs whatsoever which you may incur in connection with a debt owed to us or to a third party as a result of you having been unable for any reason to access this Website, including but not limited to your inability to make a payment on your account or contact us via this Website. In the event that you are unable to access this Website you can contact us by using the telephone number available on our Website, which you may wish to note down for future reference.
You are responsible for ensuring that your computer system meets all relevant technical specifications necessary to use the Website and is compatible with the Website. You are responsible for implementing sufficient procedures and virus checks (including anti-virus and other security checks) to satisfy your particular requirements.
Although We have tried to ensure that all information provided through the Website is accurate at the time of inclusion, occasionally inadvertent errors may occur and you acknowledge that Lowell Group accepts no liability in respect of such errors.
The limitations and exclusions in this clause do not affect your non-excludable statutory rights and only apply to the extent permitted by applicable law.
Information about you and your visits to our Website
Payments made through our Website
The following terms and conditions apply to all online payments made to Lowell Financial Ltd.
Please read the following terms and conditions carefully before using the online payments facility.
Using the online payments facility on this Website indicates that you accept these terms. If you do not accept these terms do not use this facility.
All payments are subject to the following conditions:
- Payment made through the Website must be by credit or debit card. We accept payment with Visa Credit, Visa Debit, Visa CPC, MasterCard, MasterCard Debit, MasterCard One Card and Electron.
- In making a payment you are confirming that you are authorised to make the payment as the cardholder, or otherwise that you have the cardholder’s permission.
- Your payment should take a minimum of two working days to reach the account to which you are making a payment. (This includes time to verify your credit/debit card details with your credit/debit card supplier and for payment to be notified to us).
- We cannot accept liability for a payment not reaching the intended account due to the quoting of an incorrect Lowell reference number.
- We cannot accept liability if payment is refused or declined by the credit/debit card supplier (due to the customer quoting incorrect card details or other reasons).
- If the credit/debit card supplier declines payment, we are under no obligation to bring this fact to the customer’s attention. Customers should check with their bank/credit/debit card supplier that payment has been deducted from their account.
- You will receive a confirmation of your payment by email after you make the payment.
Viruses, hacking and other offences
You must not misuse our Website by knowingly introducing viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not attempt to gain unauthorised access to our Website, the server on which our Website is stored or any server, computer or database connected to our Website. You must not attack our Website via a denial-of-service attack or a distributed denial-of service attack.
By breaching this provision, you would commit a criminal offence under the Computer Misuse Act 1990. We will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use our Website will cease immediately.
We will not be liable for any loss or damage caused by a distributed denial-of-service attack, viruses or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of our Website or to your downloading of any material posted on it, or on any website linked to it.
You may use our Website only for lawful purposes. You may not use our Website in any way that is unlawful or fraudulent, or has any unlawful or fraudulent purpose or effect.
Links from our Website
Where our Website contains links to other sites and resources provided by third parties, these links are provided for your information only. The presence of a link does not imply that we endorse the website. We have no control over the contents of those sites or resources, and accept no responsibility for them or for any loss or damage that may arise from your use of them.
Jurisdiction and applicable law
The English courts will have exclusive jurisdiction over any claim arising from, or related to, a visit to our Website although we retain the right to bring proceedings against you for breach of these conditions in your country of residence or any other relevant country.
If you have any concerns about material which appears on our Website, please email firstname.lastname@example.org or contact Customer Services by post at Lowell Financial Ltd, Enterprise House, 1 Apex View, Leeds, LS11 9BH.
Thank you for visiting our Website.