Lowell Financial Ltd. Registered Office: Enterprise House, 1 Apex View, Leeds LS11 9BH.

Company Registration No 4558936. Consumer Credit License No 528607.

Terms and conditions for the use of the Lowell Group website

Please read these terms and conditions carefully, they contain important information about your rights and obligations.

1. Introduction

1.1 Please read these terms and conditions carefully before using the www.lowell.co.uk website ("the Website") operated by Lowell Group. Please note that in these terms and conditions Lowell Group may be referred to as 'We' or 'Us' or 'Our'.

1.2 In particular, Lowell Group draw your attention to clause 9 (Liability). By using or accessing the Website, you agree to be legally bound by these terms and conditions of use as they apply to your use of or access to the Website.

1.3 If you do not wish to be bound by these terms and conditions then you may not use the Website.

2. Use of the Website

The materials published on the Website are presented solely for your private, personal and non-commercial use. The sole authorised use of the Website is to obtain information about Lowell Group and no other use is permitted.

3. Copyright

3.1 The contents of the Website are protected by international copyright laws and other intellectual property rights. The owners of these rights are Lowell Group. You may not modify, copy, reproduce, republish, upload, post, transmit or distribute, by any means or in any manner, any material or information on or downloaded from the Website including but not limited to text, graphics, code and/or software without the prior written consent of Lowell Group. If in your opinion, any information on the Website infringes the intellectual property rights of any third party then please contact us with full details of the matter at enquiries@lowellgroup.co.uk. Lowell Group will investigate fully and delete from the Website any content which Lowell Group believe is or could reasonably be considered to be an infringement of the third party's intellectual property rights.

4. Trade Marks

All trade marks, trade names, service marks, logos and trading styles on the Website are owned by Lowell Group. You may not use such trade marks, trade names, service marks, logos or trading styles except in connection with the products and services of the owners thereof.

5. Unsolicited Material

It is the policy of Lowell Group not to accept or consider any unsolicited ideas or materials of any kind. PLEASE DO NOT submit any materials at any time. We reserve the right to treat any unsolicited materials received by Lowell Group as non-confidential. In the event that you submit any unsolicited material to Lowell Group you hereby grant Lowell Group an exclusive worldwide royalty free license to use such material for the purposes of Our business.

6. Information you provide

You authorise Lowell Group to use, store or otherwise process any personal information which relates to and identifies you, including but not limited to your name and address in accordance with the Privacy Policy.

7. Availability of the Website

Lowell Group will try to make the Website available but cannot guarantee that the Website will operate continuously or without interruptions or be error free and can accept no liability for its unavailability.

8. Prohibited Actions

• You must not attempt to interfere with the proper working of the Website and, in particular, you must not attempt to circumvent security, tamper with, hack into, or otherwise disrupt any computer system, server, website, router or any other internet connected device.
• You must not direct unsolicited emails to or through the Website.
• You must not link other websites with the Website without the prior written consent of Lowell Group.

9. Liability

9.1 Lowell Group exclude all express or implied terms, conditions, warranties, representations or endorsements whatsoever with regard to the Website or any information or service provided through the Website.

9.2 Lowell Group will use reasonable endeavors to ensure that all materials and information published on the Website are accurate, but please note that all materials and information on the Website are provided on an 'as is' basis.

9.3 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 also understand that Lowell Group cannot and do not guarantee or warrant that the Website or any information which you may download from it will be free from infection, viruses and/or other code that has contaminating or destructive properties. You are responsible for implementing sufficient procedures and virus checks (including anti-virus and other security checks) to satisfy your particular requirements for the accuracy of data input and output.

9.4 Subject to the provisions of clauses 9.1, 9.2 and 9.3 above Lowell Group have no liability for any loss, damage, cost or expense suffered by users of the Website unless such loss, damage, cost or expense results from the negligence of Lowell Group or Our employees.

9.5 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.

10. General

10.1 Lowell Group may alter these terms and conditions from time to time and post the new version on the Website, following which all use of the Website will be governed by that version. You must check the terms and conditions on the Website regularly.

10.2 Lowell Group have used all reasonable endeavours to ensure that the Website complies with UK law. However, Lowell Group make no representations that the materials on the Website are appropriate or available for use in locations outside the United Kingdom.

10.3 If any provision or term of these terms and conditions shall become or be declared illegal, invalid or unenforceable for any reason whatsoever, such term or provision shall be divisible from the other terms and conditions and shall be deemed to be deleted from them.

10.4 These terms and conditions and your use of the Website are governed by English law and you submit to the non-exclusive jurisdiction of the English court.

10.5 These terms and conditions replace all other terms and conditions previously applicable to the use of the Website.

Please note that although Lowell Group has tried to ensure that all information provided through this website is accurate at the time of inclusion, occasionally inadvertent errors may occur.