Terms of Service

1.1 About These Terms

These Terms of Service ("Terms") govern your access to and use of the website located at www.fundingsearch.com (the "Website"), operated by In.Spiritu Ltd (Company Number 16130699), trading as FundingSearch.com ("FundingSearch", "we", "us", or "our").

1.2 Your Acceptance

By accessing, browsing, or using this Website, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy & Cookie Policy. If you are using this Website on behalf of an organisation, you confirm that you have authority to bind that organisation to these Terms.

1.3 Additional Terms

If you register for an account or use our platform services, additional terms will apply, including our User Licence Agreement and Data Protection Policy. In the event of any conflict between these Terms and any additional terms, the additional terms shall prevail to the extent of the conflict.

2.1 Our Services

FundingSearch.com is an intelligent funding search platform that connects businesses seeking finance (Borrowers) with commercial finance professionals (Brokers) and financial institutions (Lenders). Our platform uses technology to streamline the funding process and improve outcomes for all parties.

2.2 Not a Financial Services Provider

IMPORTANT: FundingSearch.com is a technology platform provider. We do not:

• Provide financial advice or recommendations
• Act as a credit broker or financial intermediary
• Make lending decisions or guarantee funding approval
• Act as a party to any loan or finance agreement
• Provide tax, legal, or investment advice

Any information provided on this Website is for general informational purposes only and should not be relied upon as professional advice. You should seek independent professional advice before making any financial decisions

3.1 Access

We grant you a limited, non-exclusive, non-transferable, revocable licence to access and use this Website for personal and business purposes in accordance with these Terms. This licence does not include the right to:

1. Modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell any information obtained from this Website
2. Use any data mining, robots, or similar data gathering or extraction methods
3. Use the Website for any commercial purpose without our prior written consent

3.2 Availability

We do not guarantee that the Website will be available at all times or that access will be uninterrupted. We may suspend, withdraw, discontinue, or change all or any part of the Website without notice. We will not be liable to you if for any reason the Website is unavailable at any time or for any period.

3.3 Your Responsibilities

You are responsible for:

• Making all arrangements necessary to access the Website
• Ensuring that all persons who access the Website through your internet connection are aware of and comply with these Terms
• Maintaining the security of your devices and internet connection

4.1 Permitted Use

You may use the Website only for lawful purposes. You may not use the Website:

1. In any way that breaches any applicable local, national, or international law or regulation
2. In any way that is unlawful or fraudulent, or has any unlawful or fraudulent purpose or effect
3. To harm or attempt to harm minors in any way
4. To send, knowingly receive, upload, download, use, or re-use any material which does not comply with our content standards
5. To transmit, or procure the sending of, any unsolicited or unauthorised advertising or promotional material (spam)
6. To knowingly transmit any data, send or upload any material that contains viruses, Trojan horses, worms, spyware, or any other harmful programs or code

4.2 Prohibited Activities

You also agree not to:

• Reproduce, duplicate, copy, or re-sell any part of the Website in contravention of these Terms
• Access without authority, interfere with, damage, or disrupt any part of the Website, any equipment or network on which the Website is stored, or any software used in the provision of the Website
• Attack the Website via a denial-of-service attack or a distributed denial-of-service attack
• Attempt to gain unauthorised access to the Website, the server on which the Website is stored, or any server, computer, or database connected to the Website
• Use any automated system, including robots, spiders, or scrapers, to access the Website
• Impersonate or attempt to impersonate FundingSearch, a FundingSearch employee, another user, or any other person or entity

4.3 Consequences of Breach

We may report any breach of these Terms to the relevant law enforcement authorities and will cooperate fully with those authorities. In the event of such a breach, your right to use the Website will cease immediately.

5.1 Our Ownership

We are the owner or licensee of all intellectual property rights in the Website and in the material published on it, including but not limited to:

• The FundingSearch name, logo, and all related trademarks and service marks
• All text, graphics, logos, icons, images, audio clips, and software
• The design, layout, look, appearance, and graphics of the Website
• All databases and their contents

These works are protected by copyright, trademark, and other intellectual property laws in the United Kingdom and internationally.

5.2 Permitted Use

You may print off one copy and download extracts of any page(s) from the Website for your personal, non-commercial use, provided you:

• Do not modify the paper or digital copies of any materials you have printed or downloaded
• Do not use any illustrations, photographs, video or audio sequences, or any graphics separately from any accompanying text
• Acknowledge our status as the authors of content on the Website

5.3 Restrictions

You must not use any part of the content on the Website for commercial purposes without obtaining a licence to do so from us. If you print off, copy, or download any part of the Website in breach of these Terms, your right to use the Website will cease immediately and you must, at our option, return or destroy any copies of the materials you have made.

6.1 External Links

The Website may contain links to third-party websites, resources, or services that are not owned or controlled by FundingSearch. These links are provided for your convenience only. We have no control over the contents of those sites or resources.

6.2 No Endorsement

The inclusion of any link does not imply endorsement, approval, or recommendation by FundingSearch. We do not accept any responsibility for the content, accuracy, or availability of any linked website or resource. You access third-party websites entirely at your own risk and subject to the terms and conditions of those websites.

6.3 Third-Party Content

Where the Website contains content provided by third parties (including Brokers, Lenders, or other users), we are not responsible for the accuracy, completeness, or reliability of such content. Views expressed by third parties do not necessarily represent our views.

7.1 Information Accuracy

The content on the Website 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 the Website.

7.2 No Warranties

• Implied warranties of merchantability, fitness for a particular purpose, and non-infringement
• That the Website will be secure, uninterrupted, or error-free
• That information on the Website is accurate, complete, reliable, current, or error-free
• That defects will be corrected
• That the Website or server are free of viruses or other harmful components

7.3 No Guarantees

We do not guarantee that:

• You will obtain funding by using our services
• Any Broker or Lender will be suitable for your needs
• Information provided by third parties is accurate or reliable
• Any specific business outcomes will be achieved

8.1 Exclusions

Nothing in these Terms excludes or limits our liability for:

1. Death or personal injury caused by our negligence
2. Fraud or fraudulent misrepresentation
3. Any other liability that cannot be excluded or limited by English law

8.2 Limitations

Use of, or inability to use, the Website

• Use of or reliance on any content displayed on the Website

8.3 Specific Exclusions

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

8.4 Professional Users

If you are a business user, please note that we provide the Website for commercial and business use only. You agree not to use the Website for any consumer purposes, and we have no liability to you for any loss of profit, loss of business, business interruption, or loss of business opportunity.

You agree to indemnify, defend, and hold harmless In.Spiritu Ltd and its officers, directors, employees, agents, and affiliates from and against any and all claims, damages, obligations, losses, liabilities, costs, and expenses (including reasonable legal fees) arising from:

• Your use of the Website
• Your violation of these Terms
• Your violation of any law or the rights of any third party
• Any content you submit or transmit through the Website

Your privacy is important to us. Our use of your personal information is governed by our Privacy & Cookie Policy, which is available at www.fundingsearch.com/privacy and is incorporated into these Terms by reference.

By using the Website, you consent to the collection and use of information as described in our Privacy & Cookie Policy.

11.1 Our Right to Amend

We may revise these Terms at any time by amending this page. Please check this page regularly to take notice of any changes we make, as they are binding on you.

11.2 Notification

For material changes, we will endeavour to provide notice through the Website or by other means. Your continued use of the Website after any such changes constitutes your acceptance of the new Terms.

12.1 Entire Agreement

These Terms, together with our Privacy & Cookie Policy, constitute the entire agreement between you and In.Spiritu Ltd regarding your use of the Website and supersede all prior agreements and understandings.

12.2 Severability

If any provision of these Terms is held to be invalid or unenforceable, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

12.3 No Waiver

Our failure to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision. Any waiver of any provision of these Terms will be effective only if in writing and signed by us.

12.4 Assignment

You may not assign or transfer these Terms or your rights under them without our prior written consent. We may assign our rights and obligations under these Terms without restriction.

12.5 Third-Party Rights

These Terms do not confer any rights on any person or party other than you and In.Spiritu Ltd. The Contracts (Rights of Third Parties) Act 1999 shall not apply to these Terms.

13.1 Governing Law

These Terms, their subject matter, and their formation are governed by English law. You and we both agree that the courts of England and Wales will have non-exclusive jurisdiction.

13.2 Disputes

If you have any dispute with us relating to these Terms or your use of the Website, please contact us first at legal@fundingsearch.com so we can try to resolve the matter informally.