1. General
1.1 The terms “we”, “us”, or “our”, refer to The Property Finance Company (UK) Ltd T/A Oxygen Business Finance.
1.2 The Property Finance Company (UK) Ltd T/A Oxygen Business Finance is registered in England & Wales, company registration number 11137346. Registered office: Suite 2 First Floor, Bay Horse Court, Otley, West Yorkshire, LS21 3AL.
1.3 These terms of use have no fixed duration.
2. Accessing our Site
2.1 Access to our site is permitted on a temporary basis, and we reserve the right to withdraw, suspend, amend the service we provide on our site without notice (see below) or close it indefinitely. We will not be liable if for any reason our site is unavailable at any time or for any period.
2.2 From time to time, we may restrict access to some parts of our site, or our entire site, to users who have registered with us.
2.3 If you choose, or you are provided with, a user identification code, password or any other piece of information as part of our security procedures, you must treat such information as confidential, and you must not disclose it to any third party. We have the right to disable any user identification code or password, whether chosen by you or allocated by us, at any time, if in our opinion you have failed to comply with any of the provisions of these terms of use. If you know or suspect that anyone other than you has access to your user identification code or password, you must immediately notify us using the contact details on our main homepage
2.4 When using our site, you must comply with the provisions of our acceptable use policy.
2.5 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.
2.6 We process information about you in accordance with our privacy policy. By using our site, you warrant that all data provided by you is accurate.
2.7 We aim to update our site regularly, and may change the content at any time. Any of the material on our site may be out of date at any given time, and we are under no obligation to update such material.
2.8 We try to meet highest standards of accessibility, but cannot guarantee that this site will be compatible with all hardware and software that may be used by visitors to the site.
3. Our Liabilities
3.1 Users of this site are responsible for any decisions they take based on information provided on the site and commentary and other materials on our site are not intended to amount to advice on which reliance should be placed. You should consult your professional advisers before taking any action based on the content of our site. We disclaim all responsibility and liability (as far as legally permitted) for any loss (directly or indirectly) arising from using or relying on information or links included in this site.
3.2 Our sites may contain links to other sites, which are provided for your information only. The contents of those sites or resources are outside our control and are not covered by these terms and conditions. If you access other sites using the links provided, we accept no responsibility for the content of those sites, for the way in which they deal with you or use any information they may acquire about you or for any loss or damage that may arise from your use of them.
3.3 The material displayed on our site is provided without any representations, guarantees, conditions or warranties as to its accuracy, completeness or that the content is up-to-date. To the extent permitted by law, we, other members of our group of companies and third parties connected to us hereby expressly exclude:
3.3.1 all conditions, warranties and other terms which might otherwise be implied by statute, common law or the law of equity;
3.3.2 any liability for any direct, indirect or consequential loss or damage incurred by any user in connection with our site or in connection with the use, inability to use, or results of the use of our site, any websites linked to it and any materials posted on it, includind but not limited to:
a) loss of income or revenue; b) loss of business, loss of business opportunity or other economic loss; c) loss of profits or contracts; d) loss of anticipated savings; e) loss or corruption of data; f) loss of goodwill; g) business interruption, wasted management or office time; and in all the above cases, whether caused by tort (including negligence), breach of contract or otherwise, even if foreseeable.
3.4 These terms and conditions do not exclude our liability (if any) to you for personal injury or death resulting from our negligence, or our liability for fraud, nor any other liability which cannot be excluded or limited under applicable law and do not affect your statutory rights.
3.5 Arrangements made between you and any third party named or referred to on the site are entirely at your sole risk and responsibility.
4. Your Liability
4.1 You shall compensate us in full if we incur any losses or if any claims or legal proceedings are brought or threatened against us by any other person arising from your use of our website, as well as any information uploaded by you on our site.
4.2 You agree to indemnify and hold us harmless from any liability, loss, claim, and expense (including reasonable legal fees) related to any breach by you of these terms and conditions or arising from your use of our site, including any information uploaded by you on our site.
5. Viruses, hacking and other offences
5.1 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.
5.2 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.
5.3 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 site or to your downloading of any material posted on it, or on any website linked to it.
6. Linking to our site
6.1 You may link to our home page, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it, but you must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part where none exists.
6.2 You must not establish a link from any website that is not owned by you.
6.3 Our site must not be framed on any other site, nor may you create a link to any part of our site other than the home page. We reserve the right to withdraw linking permission without notice. The website from which you are linking must comply in all respects with the content standards set out in our acceptable use policy.
6.4 If you wish to make any use of material on our site other than that set out above, please address your request to hello@askoxygen.co.uk
7. Jurisdiction and the law
7.1 The English courts will have exclusive jurisdiction over any claim arising from, or related to, a visit to our site, these terms of use and their subject matter (including any non-contractual obligations arising out of or in connection with it).
7.2 These terms of use and any dispute or claim arising out of or in connection with them or their subject matter or formation (including non-contractual disputes or claims) shall be governed by and construed in accordance with the law of England and Wales.
8. Complaints
Details on how to make a complaint and your right to refer a complaint to the Financial Ombudsman Service can be found here.
9. Variations
Notwithstanding clause 10.7 above, we reserve the right to change these terms and conditions from time to time, and the amended terms will be posted on this website. You are expected to check this page from time to time to take notice of any changes we make, as they are binding on you. Some of the provisions contained in these terms of use may also be superseded by provisions or notices published elsewhere on our site.
If you have any concerns about material which appears on our site, please contact us at hello@askoxygen.co.uk or call us on 0330 566 832.
Last updated – April 2023
