Terms & Conditions

Effective from 1st January 2016.

Please read these general Terms of Use (“Terms of Use”) carefully before using this website (the “Website” or “Site”) and its services (the “Services”).

This Agreement is made between Numo Finance Ltd (“we”, “our”, “us” or “Numo”) and you, the Website visitor and/or registered user (“you”).

Using the Website and Services indicates that you accept these Terms of Use. If you do not accept these Terms of Use, do not use the Website and Services.

If we change these Terms of Use, we will post the revised document here with an updated effective date. If we make significant changes to these Terms of Use, we may also notify you by other means such as sending an email or posting a notice on our home page.

Your use of the Website after such notice will be deemed acceptance of such changes. Be sure to review these Terms of Use periodically to ensure familiarity with the most current version.

These Terms of Use refer to and incorporate the following additional terms, which shall also apply to your use of the Website:

  • Our Privacy Policy which sets out the terms on which we process any personal data we collect from you or that you provide to us and sets out the information about cookies on the Website. By using the Website, you consent to such processing and you warrant that all data provided by you is accurate.
  • If you use our site to search for and/ or to advertise to those seeking alterative finance and/ or to use any of our other Services for which a fee or other sum is payable, the additional terms and conditions that are set out in the agreement agreed separately between us or, in the absence of such an agreement between us, in the additional Lender Terms presented to you when you register to use such Services, will also apply to such use of the Website and those Services. In the event of a conflict between these Terms of Use and those terms and conditions, those terms and conditions will take precedence in relation to your use of the Website and its Services to search for and/ or to advertise to those seeking alternative finance.

1. Information About Us

The Website www.numo.co and its Services are owned and operated by Numo Finance Ltd. We are registered in England & Wales under company number 09929356 and have our registered office at 86-90 Paul Street, London, EC2A 4NE. Our VAT number will be provided to you when applicable.

You can contact us with your general queries using the following email address: [email protected] You can contact us using the following email address: [email protected] if you have queries about your use of the Website.

2. Access to the Site and Services

2.1 The Website can be used by those seeking alternative finance to (i) contact companies advertising their alternative finance offers on the Website or otherwise notified to the applicant via the Website and (ii) make the applicant’s search criteria available to lenders who have subscribed to receive notifications by email and/or to search for suitable applicants in our database.

2.2. From time to time, we may restrict access to all or some parts of the Site and Services 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. 

2.4. We reserve the right to restrict or deny you access to all or some parts of the Site and Services if, in our opinion, you have failed to comply with these Terms of Use.

2.5. We reserve the right at any time to:

(i) Change the terms and conditions of these Terms of Use;

(ii) Change the Website, including eliminating or discontinuing any content on or feature of the Website, restricting the hours of availability or limiting the amount of use permitted; or

(iii) Change any charges (if any) for use of the Website, including instituting new or increased charges for the use of the Website or any other Website-related services or any feature thereof.

Any changes we make will be effective immediately upon notice, which we may provide by any means including, without limitation, posting on the Website or via electronic mail.

3. Intellectual Property and Permitted Use

3.1. “Numo” is a registered trademark and we are the owner or licensee of all intellectual property rights in the Website and the material published on it.  Those works are protected by copyright laws and treaties around the world.  All such rights are reserved.

3.2. You may print and download extracts from the Website on the following basis:

3.2.1. no documents or related graphics are modified in any way;

3.2.2. no graphics are used separately from accompanying text; and

3.2.3. no copyright and trade mark notices are removed.

3.3. You agree not to:

3.3.1. copy, sub-license or similarly exploit our Website and Services for commercial purposes of your own other those envisaged by our matching of borrowers and lenders;

3.3.2. copy, reproduce, distribute, republish, download, display, post or transmit in any form or by any means any content of the Website and Services except as permitted above.

4. Material Submitted by You

4.1 Although we do not intend to, and shall take all legally required steps to ensure that we do not, make the content of user areas available to third parties or publicly viewable except as specifically agreed (e.g. if you ask to be included in our database of applicants that can be searched by those who use our Website to offer alternative finance), such information shall not be considered confidential. Further, if and to the extent that we enable you to upload material to our site, in your user area, in an advert for your alternative finance offering or otherwise, any such material you provide to us for our site will be considered non-confidential and non-proprietary and we have the right to use, copy, distribute and disclose to third parties any such material for any purpose relating to our provision of our Services. We also have the right to disclose your identity to any third party who is claiming that any material provided by you for our site constitutes a violation of their intellectual property rights or of their right to privacy. 

4.2 You agree not to submit any material:

4.2.1 that is false, misleading, defamatory, discriminatory, threatening, offensive, abusive, likely to cause someone anxiety or distress, encourages violence or racial or religious hatred, blasphemous, pornographic, in breach of confidence, in breach of privacy; or

4.2.2 that infringes any intellectual property rights, such as copyright and trade marks. This means generally that you must own the rights in everything you submit or must obtain permission from the rights owner to submit the material; or

4.2.3 which is technically harmful (including, without limitation, computer viruses, logic bombs, Trojan horses, worms, harmful components, corrupted data or other malicious software or harmful data); or

4.2.4 which encourages or teaches conduct that is a criminal offence, gives rise to civil liability, or is otherwise unlawful.

4.3 We are not obliged to use material submitted by you and we may remove from the Website, the Services and our database any of the material submitted by you at our sole discretion.

4.4 We will fully co-operate with any law enforcement authorities or court order requesting or directing us to disclose the identity of anyone submitting material in breach of clause 4.2.

4.5 We will not be responsible, or liable to any third party, for the content or accuracy of any materials submitted by you.

4.6. If you are seeking alternative finance and you submit an application to a lender via the Website, you agree that it is subject to the following:

– you must read and ensure that you understand the requirements of the lender advertised before you apply;

– the information that you provide as part of your application must be a true and accurate reflection of your situation. If you are seeking alternative finance and you submit any information in an application that is found to be false, we reserve the right to deny you access to the Site and its services;

– your acceptance that applications are assessed by the relevant lender and all decisions relating to such applications are taken by that lender and not by us. Accordingly, any requests for information relating to applications submitted, should be addressed to the lender directly.

5. Data Protection and Privacy

5.1 We use and process your personal information only in accordance with our Privacy Policy.

5.2 We hold a data protection registration and comply with the Data Protection Act 1998.

6. Third Party Content and Links

6.1 We are not liable or responsible for the third party content on the Site and in the Services. Third party content includes, for example, material posted by other users of the Website and Services, alternative finance advertisements and display advertising. We have the right to remove any material or posting on our site if, in our opinion, such material is unacceptable but we shall not monitor such material nor shall we be responsible for ensuring that material we have enabled a user to upload, is removed.

6.2 Where the Website and Services contain links to other sites and resources which are provided by third parties, these links and resources are provided for your information only and you access them at your own risk. Such links should not be interpreted as endorsement by us of those linked websites unless we clearly state otherwise and, in any case, we are not liable or responsible for the content of third party sites or resources. For the avoidance of doubt, a “match” for you that is generated by your use of the Website does not constitute an offer or acceptance of an alternative finance arrangement.

6.3 If you use the Website to seek alternative finance, you acknowledge that we are not responsible for the content of any advert for alternative finance and that accordingly it is a matter for you to satisfy yourself as to the suitability of the alternative finance offered and the identity of the lender.

7.   Our Liability

7.1. The material contained on the Site and in the Services is for information purposes only and does not constitute advice. You should carry out your own check in respect of any information on the Site and in the Services and use your own judgement before doing or not doing anything on the basis of what you see. Unless expressly stated otherwise in writing by us or required by law, we exclude all conditions, warranties, representations or other terms which may apply to the Site or to any content on it and in the Services, as further described in the Warranty section below.

7.2. 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, the Site; or
  • use of or reliance on any content displayed on the Site; or
  • dealings you have with third parties (e.g. other users or advertisers) that take place using or facilitated by the Site and Services;

7.3. The Site is aimed at business users and 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;
  • any indirect or consequential loss or damage.

7.4. In the event that you are a consumer user of the Site, please note that we only provide the Site to you for your personal use. You agree that we have no liability to you for any loss of profit, loss of business, business interruption or loss of business opportunity.

7.5. 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 the Site or to your downloading of any content on it, or on any website linked to it.

7.6. As already stated above, we assume no responsibility for the content of websites linked on the Website and we will not be liable for any loss or damage that may arise from your use of them.

7.3 We are not responsible if you cannot use the Website and Services properly or at all because of any event outside our control (e.g. the performance of your or our internet service provider, your browser or the internet.)

7.5 Nothing in these Terms of Use affects any liability which we may have for death or personal injury arising from our negligence, for fraud or for any other liability which cannot be excluded or limited by law.

8. Validity of these Terms of Use

If any part or provision of these Terms of Use is found to be unlawful or unenforceable, this shall not affect the validity of any other part or provision.

9. Applicable Law and Jurisdiction

These Terms of Use are governed by English law. The English courts shall have exclusive jurisdiction over any claim brought by you arising from, or related to, your use of the Website and Services and these Terms of Use. However, if you are a consumer user, you and we agree the courts of England and Wales will have non-exclusive jurisdiction over any such disputes between us and if you are a consumer user and you are a resident of Northern Ireland/ Scotland you may also bring proceedings in Northern Ireland/ Scotland accordingly.

10. Warranty Information; Disclaimer

This Website, including any content or information contained within it or any related service provided by Numo Finance Ltd, or any product or service licensed, purchased or otherwise made available through the Website, is provided “as is” with no representations or warranties of any kind, either expressed or implied. To the fullest extent permissible pursuant to applicable law, Numo Finance Ltd, its subsidiaries, affiliates, suppliers, sponsors, and agents disclaim all warranties, express or implied, including, but not limited to, the implied warranties of title, merchantability, fitness for a particular purpose and non-infringement. Neither Numo Finance Ltd, its subsidiaries, affiliates, sponsors, suppliers nor agents makes any representation as to the results to be obtained from use of the Website or any related service provided by Numo Finance Ltd.

Numo Finance Ltd and its subsidiaries, affiliates, suppliers, and agents do not warrant that your use of the Website or the software will be uninterrupted, error-free, or secure, that defects will be corrected, or that the site (or the server(s) on which it is hosted) or software are free of viruses or other harmful components. You acknowledge that you are responsible for obtaining and maintaining all telephone, computer hardware and other equipment needed to access and use the site, and all charges related thereto. You assume total responsibility and risk for your use of the site and the software and your reliance thereon. No opinion, advice, or statement of Numo Finance Ltd, its subsidiaries, affiliates, suppliers, agents, registered users or visitors, whether made on the Website, or otherwise, shall create any warranty. Your use of the Website and any materials provided through the site are entirely at your own risk.

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