Effective date
August 2022
1. Introduction
These are the Terms of Use from which access is granted by BC Home Loans Limited, trading as Candor ('Candor'), to users of
www.candor.co.uk ('the Website'). These Terms of Use must be carefully read before accessing and using the Website. Use of the Website constitutes express acceptance of these Terms of Use.
2. How we collect data about you and your use of this website
We and our business partners collect information about your use of the Website from cookies. For information about our use of cookies and how to decline them please read our
Cookie Policy. We use your data to ensure that you get the best from our Website or Services.
3. Company information
The website is operated by Candor, a trading name of BC Home Loans Limited.
BC Home Loans Limited (referred to as “Candor”) has a company number of 13583030 and a registered address of Scale Space, 58 Wood Lane, London, W12 7RZ. BC Home Loans Limited is registered as a Data Controller with the ICO, with registration number ZB301008.
4. Company business
The business of Candor is the arranging, entering into and administering of unregulated second charge buy-to-let mortgage contracts.
5. Access to the website
Candor does not guarantee access to the Website on any permanent or interrupted basis. Candor reserves the right to withdraw or amend access to the Website without notice, and will not be liable for any loss or damage suffered by any person, firm or corporation arising from the permanent or temporary unavailability of the Website or of any amendment to the Website. Candor reserves the right to restrict access to all or any part of the Website either to users generally or to specific users or specific categories of user. Each legal entity whose employees have access to the Website must ensure that all employees, officers and any workers in any other capacity are aware of these Terms of Use and comply with them at all times.
6. Intellectual property
Candor is the owner of all intellectual property rights in the Website, as well as the material displayed on the Website. The printing of copies of any material, or the downloading of any aspects, from, the Website is strictly prohibited except for the purposes of personal reference or research. A modification of any copies or downloads of any materials displayed on the Website, or the use of any illustrations, photographs, video or audio sequences or any graphics displayed on the Website separately from any accompanying text is strictly prohibited. Without limiting the generality of the above permissions, the use of any materials displayed on the Website for commercial purposes without the express prior written consent of Candor (which Candor may or may not grant at its discretion and may grant subject to such conditions as Candor might in its absolute discretion determine) is strictly prohibited.
7. Obsolete material
Candor does not guarantee that any of the material displayed on the Website from time to time is current or up to date, and will not be liable to any person, firm or corporation using the Website for any loss or damage suffered or incurred as the result of the use of or reliance upon any material displayed on the Website which is in whole or in part obsolete or not fully up to date. Candor is under no obligation to update any material currently displayed on the Website.
8. Limitations of Liability
Candor gives no guarantee, representation or warranty of any kind as to the accuracy or completeness of any other material displayed on the Website from time to time. Candor furthermore excludes, to the fullest extent permissible by law, (i) all conditions, warranties or other terms which might otherwise be implied by statute, common law or equity; (ii) any liability for loss of profit, loss of revenue, loss of business or contract, loss of anticipated savings, loss of goodwill or any indirect or consequential loss of any kind suffered or incurred by any person as a result of the use of the Website, or any other material displayed on it from time to time, regardless of the cause of action and of whether such loss or damage was foreseeable or Candor had been advised of the possibility of such loss or damage arising. Nothing in these Terms of Use shall however exclude or limit the liability of Candor for death or personal injury caused by its own negligence, or for fraud or fraudulent misrepresentation.
9. User Information
Candor will process information regarding users of the Website at all times in accordance with its
Privacy Policy. Use of the Website constitutes express consent to such processing, together with a warranty that all data provided is accurate.
10. Viruses, hacking and other offences
The misuse of the Website by the knowing or reckless introduction of viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful is strictly prohibited. Attempting to gain any unauthorised access to the Website, the server on which the Website is stored or any further computer or data entry to the Website is strictly prohibited. Any breach of the above provisions constitutes a criminal offence under the Computer Misuse Act 1990. If Candor becomes aware of any such breach, it will report the same to the relevant law enforcement authorities and will co-operate with those authorities by disclosing the identity of the person, firm or corporation responsible for the breach. Candor will not be liable for any loss or damage caused by any virus or other technologically harmful material that might affect the computer equipment of any user, any computer programmes data or other proprietary material arising from the use of the Website or any material displayed upon it.
11. Links
Links to the Website are permissible, but not so as to create any impression of any association, approval or endorsement by Candor, or any association or connection between Candor and the user. The creation of a link to any part of the Website other than the homepage is strictly prohibited. Candor reserves the right at any time to withdraw permission to link to the Website, whether generally or to specified users or categories of user. Any links contained on the Website to other websites promoting goods or services provided by third parties are provided for information only. Candor excludes all liability for any loss or damage that any person, firm or corporation might incur as a result of the use of any such link or of any dealings with any third party entered into by the user by means of such link, or arising out of the acquisition or use by the user of any such goods or services.
12. Variation
Candor may vary the Terms of Use at any time by amending the Terms of Use as displayed on the Website, but without any obligation to give prior notice to any user of the Website.
13. Law and jurisdiction
These Terms of Use will be construed, interpreted and applied in accordance with English Law, and the Courts of England will have exclusive jurisdiction in relation to any claim arising from the accessing or use of the Website by any person, firm or corporation. If you are not satisfied with Candor’s products or service, we have a complaint handling procedure that you can use to resolve such matters by contacting us at
complaints@candor.co.uk.
Information on this procedure will be sent to you in the event of a complaint or upon request. If you are still not satisfied after following our complaint procedure, you may ask the Financial Ombudsman Service to review the complaint within six months of our final response. You can write to the Financial Ombudsman Service at South Quay Plaza, 183 Marsh Wall, London E14 9SR (telephone: 08000 234 567). The Financial Ombudsman Service is an organisation set up by law to give consumers a free and independent service for resolving disputes with financial firms.
