PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY BEFORE USING THIS SITE
Terms of website use
Other applicable terms
Information about us
www.pcpmissold.co.uk is a site operated by PCP Missold Limited (“We”). We are registered in England and Wales and have our registered office at 19-21 High Street, Altrincham, WA14 1QP.
We are a limited company and are regulated and authorised by the Financial Conduct Authority (FCA) & Solicitor Regulation Authority (SRA) under number 591457.
Changes to these terms
About our site
Our site provides a simple, hassle-free way for you to apply for car finance with our impressive panel of lenders. We are not a finance company and do not provide credit, but can introduce you to relevant finance providers based on your credit rating. We may receive a commission for making any such introductions.
Changes to our 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 However, please note that any of the content on our site may be out of date at any given time, and we are under no obligation to update it. We do not guarantee that our site, or any content on it, will be free from errors or omissions.
Accessing our site
Our site is made available free of charge. 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.
Our site is directed to people residing in the United Kingdom (although certain exclusions apply to residents of Northern Ireland). We do not represent that content available on or through our site is appropriate or available in other locations. We may limit the availability of our site or any service or product described on our site to any person or geographic area at any time. If you choose to access our site from outside the United Kingdom, you do so at your own risk.
Your account and password
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. You must not disclose it to any third party.
If you know or suspect that anyone other than you knows your user identification code or password, you must promptly notify us at [email protected].
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.
You should come to your own decision about any finance arrangement you decide to enter into and any vehicles you decide to buy and should not rely on the information on our site.
Any images, descriptions or advertising on our site are for illustrative purposes only and we make no representations, warranties or guarantees in respect of such images, descriptions and/or advertising. Any finance products and vehicles may vary from the descriptions and advertising on our site and you should always check the details with the relevant party at the point of entering into any finance arrangement and/or purchasing any vehicle(s).
The finance products we refer to on our site are offered by third parties and making an application for finance through our site does not infer an offer, nor acceptance or any such finance product. You should ensure you read and understand the relevant terms and conditions and other documentation of the third party who is providing the finance before entering into any arrangement. In particular, guarantees and indemnities may be required by such finance providers as all finance is subject to status and income.
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.
We do not check or review any finance products offered to you by any third party providers and we do not provide any guarantees or assurances that any such products will be suitable for you. We exclude all liability, to the extent permitted by law, for such offers and products. It is your responsibility to check you are happy with the terms of any arrangement before entering into it and to speak to the relevant professional advisor.
Limitation of our liability
Subject to the above paragraph, our maximum aggregate liability to you in connection with our site and the services provided shall in no circumstances exceed the aggregate fees received from you in respect of the services provided.
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
a failed application for finance made through 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.
If you are a consumer user, please note that we only provide our site for domestic and private use. You agree not to use our site for any commercial or business purposes, and we have no liability to you for any loss of profit, loss of business, business interruption, or loss of business opportunity.
We will not be liable to you or any other third party for any failure or delay in processing your application or providing any other service where such failure or delay is due to you or a third party or is outside our reasonable control.
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.
We assume no responsibility for the content of websites linked on our site. Such links should not be interpreted as endorsement by us of those linked websites. We will not be liable for any loss or damage that may arise from your use of them.
Uploading content to our site
Whenever you make use of a feature that allows you to upload content to our site, including the application form and when contacting us, you must ensure that such content is true, complete, accurate and not misleading and that it complies with all applicable law. You must be 18 or older to submit an application for finance through our site.
You warrant that all content you upload complies with our content standards, and you will be liable to us and indemnify us for any breach of that warranty. If you are a consumer user, this means you will be responsible for any loss or damage we suffer as a result of your breach of warranty.
By submitting your application to us, you permit us to share the information submitted with third parties in order to allow third party finance companies to provide you with an appropriate car finance product and/or service based on that application. You also permit us to run a credit search with Equifax (or other credit reference agency) in order to assess your credit score as it relates to your application for finance. This search will not be visible to other lenders and a record will only be left on your credit file when we pass your details to appropriate lenders who then run a hard credit search.
Any content you upload to our site will be considered non-confidential and non-proprietary. You retain all of your ownership rights in your content, but you are required to grant to us a limited licence to use, store and copy that content and to distribute and make it available to third parties as specified in these terms and elsewhere on our site. If you upload information relating to any third party such as a guarantor or joint applicant for finance, you warrant to us that you have that person’s authority to do so and that we are authorised to process that information in the same way in which we process your information, including to run the requisite credit checks.
We have the right to disclose your identity to any third party who is claiming that any content posted or uploaded by you to our site constitutes a violation of their intellectual property rights, or of their right to privacy.
We will not be responsible, or liable to any third party, for the content or accuracy of any content submitted by you or any other user of our site.
You may use our site only for lawful purposes. You may not use our site:
In any way that breaches any applicable local, national or international law or regulation.
In any way that is unlawful or fraudulent, or has any unlawful or fraudulent purpose or effect.
To send, knowingly receive, upload, download, use or re-use any material which does not comply with our content requirements above or that contains viruses, Trojan horses, worms, time-bombs, keystroke loggers, spyware, adware or any other harmful programs or similar computer code designed to adversely affect the operation of any computer software or hardware.
You also agree:
- Not to reproduce, duplicate, copy or re-sell any part of our site in contravention of these terms of website use.
Not to access without authority, interfere with, damage or disrupt:
- any part of our site;
- any equipment or network on which our site is stored;
- any software used in the provision of our site; or
- any equipment or network or software owned or used by any third party.
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 programs and platform in order to access our site. You should use your own virus protection software and ensure it is up to date.
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
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. In particular, 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 and you must not establish a link to our site in any website that is not owned by you.
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.
If you wish to make any use of content on our site other than that set out above, please contact [email protected].
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 and we have no control over the contents of those sites or resources.
Other important terms
Each of the paragraphs of these terms operates separately. If any court or relevant authority decides that any of them are unlawful or unenforceable, the remaining paragraphs will remain in full force and effect.
If we fail to insist that you perform any of your obligations under these terms, or if we do not enforce our rights against you, or if we delay in doing so, that will not mean that we have waived our rights against you, and will not mean that you do not have to comply with those obligations. If we do waive a default by you, we will only do so in writing, and that will not mean that we will automatically waive any later default by you.
To contact us, please email [email protected]
Thank you for visiting our site.