Terms and Conditions
Please read these terms and conditions carefully before using this site
Terms of website use
Other applicable terms
Information about us
www.lowell.co.uk is a site operated by Lowell Financial Ltd ("We"). We are registered in England and Wales under company number 4558936 and have our registered office at Ellington House, 9 Savannah Way, Leeds, LS10 1AB.
We are regulated by the Financial Conduct Authority in respect of consumer credit regulated accounts and comply with the Credit Services Association (CSA) Code of Practice. We are a limited company.
Changes to these terms
Please check this page from time to time to take notice of any changes we made, as they are binding on you.
Changes to this site
We may update our site from time to time, and may change the content at any time. However, please note that any of the content on our site may be out of date at any given time, and we are under no obligation to update it. Also, when we do make a change, depending on your browser settings, it may take up to 48 hours for you to see the change.
We do not guarantee that our site, or any content on it, will be free from errors or omissions.
Accessing our site
We do not guarantee that our site, or any content on it, will always be available or be uninterrupted. Access to our site is permitted on a temporary basis. We may suspend, withdraw, discontinue or change all or any part of our site without notice. We will not be liable to you if for any reason our site is unavailable at any time or for any period.
You are responsible for making all arrangements necessary for you to have access to our site.
Your account and password
If you choose, or you are provided with, a username, password or any other piece of information as part of our security procedures, you must treat such information as confidential. You must not disclose it to any third party.
If you know or suspect that anyone other than you knows your username or password, you must promptly notify us via telephone on 0333 556 5550.
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.
You may print off one copy, and may download extracts, of any page(s) from our site for your personal use and you may draw the attention of others within your organisation to content posted on our site. 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. Our status (and that of any identified contributors) as the authors of content on our site must always be acknowledged.
You must not use any part of the content on our site for commercial purposes without obtaining a licence to do so from us or our licensors.
No reliance on information
The content on our site is provided for general information only. It is not intended to amount to advice on which you should rely. You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of the content on our site.
Although we make reasonable efforts to update the information on our site, we make no representations, warranties or guarantees, whether express or implied, that the content on our site is accurate, complete or up-to-date.
Limitation of our liability
To the extent permitted by law, we exclude all conditions, warranties, representations or other terms which may apply to our site or any content on it, whether express or implied.
We will not be liable to any user for any loss or damage, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, even if foreseeable, arising under or in connection with:
- use of, or inability to use, our site; or
- use of or reliance on any content displayed on our site.
If you are a business user, please note that in particular, we will not be liable for:
- loss of profits, sales, business, or revenue;
- business interruption;
- loss of anticipated savings;
- loss of business opportunity, goodwill or reputation; or
- any indirect or consequential loss or damage.
We will not be liable for any loss or damage caused by a virus, distributed denial-of-service attack, or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of our site or to your downloading of any content on it, or on any website linked to it.
The following terms and conditions apply to all persons making online payments to Lowell Financial Ltd and all payment plans set up online to make future payments.
Using the online payments facility on this site indicates that you accept these terms. If you do not accept these terms, you should not make payment or set up a payment plan via the site and should contact us to discuss alternative ways that you can pay.
All online payments and payment plans are subject to the following conditions:
- Payments must be by debit card only. We accept payment with Visa Debit, MasterCard Debit and Electron. A payment plan for future payments may be set up by direct debit.
- In making a payment or setting up a payment plan you are confirming that you are authorised to make the payment as the cardholder, or otherwise that you have the cardholder’s permission.
- Payments will ordinarily reach the account to which you are making payment immediately, but this could take up to two working days.
- If the debit card supplier declines payment, we cannot any accept liability for this and are under no obligation to inform the accountholder (or if someone has paid on the accountholder’s behalf, the person making payment) of this. You should check with your bank/debit card supplier (or, if applicable, the person making payment) that payment has been deducted from the paying account.
We do not guarantee that our site will be secure or free from bugs or viruses.
You are responsible for configuring your information technology, computer programmes and platform in order to access our site. You should use your own virus protection software.
You must not misuse our site 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 site, the server on which our site is stored or any server, computer or database connected to our site. You must not attack our site 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 site will cease immediately.
Linking to our site
Our site must not be framed on any other site, nor may you create a link to any part of our site.
Third party links and resources in our site
Where our site contains links to other sites and resources provided by third parties, these links are provided for your information only. Such links should not be interpreted as approval by us of those linked websites or information you may obtain from them. We do not accept liability for any loss suffered as a result of accessing any third party site and we have no control over the contents of those sites or resources.
To contact us, please call us on 0333 556 5550.