We may change these terms and conditions or our privacy policy at any time by updating this page. You should check this page from time to time to review these terms and conditions to ensure you are happy with any changes.  Using or accessing this website indicates your acceptance of these terms and conditions.  If you do not accept these terms and conditions, please do not continue to use this website.

Information about us
We are Carey's Personal Credit, a company registered in England at Companies House.  Our registered office is at Carey's Personal Credit, 1 Kensington Road, Middlesbrough, Cleveland, TS5 6AL. and our registered number is 04077562.  You can contact us by email at phil@careyskens.com or by telephone on 01642 285818.

The website to which these terms and conditions apply and for which we are responsible is www.careyspersonalcredit.co.uk. 

Your use of this website and our intellectual property rights
We have made this website available to you for your non-commercial use.  We may modify, withdraw or deny your access to this website at any time. 

This website and all the materials contained in it are protected by intellectual property rights, including copyright, and either belong to us or are licensed to us to use.  Materials include, but are not limited to, the design, layout, look, appearance, graphics, documents, on the website, as well as other content such as articles, reports, presentations,  stories, logos, trade marks (registered or unregistered) and other text. 

You may not copy, redistribute, republish, modify or otherwise make the materials on this website available to anyone else without our consent in writing. 

You may print or download materials from this website for your non-commercial use or copy the content to other individuals for their personal information provided that:

• no materials are modified in any way;

• no graphics are used separately from accompanying text;

• our copyright and trade mark notices appear in all copies and you acknowledge this website as the source of the material; and

• the person to whom you providing these materials are made aware of these restrictions.

Our liability to you
These terms and conditions do not exclude our liability (if any) to you for:

• personal injury or death resulting from our negligence;

• fraud;

• any matter which it would be illegal for us to exclude or to attempt to exclude our liability.

We do not guarantee that this website will be compatible with all or any hardware and software which you may use.  We do not guarantee that this website will be available all the time or at any specific time.  We reserve the right to withdraw or modify this website at any time.

We are only liable to you for losses which you suffer as a result of a breach of these terms and conditions by us.  We are not responsible to you for any losses which you may incur which were not a foreseeable consequence of us breaching these terms and conditions, for example if you and we could not have contemplated those losses before or when you access this website.  Our liability to you shall not in any circumstances include any business losses that you may incur, including but not limited to lost data, lost profits or business interruption. 

Information on this website
The information contained on this website is given for general information and interest purposes only.  Whilst we try and ensure the information contained on the website is accurate and up to date, we cannot be responsible for any inaccuracies in the information.  As a result, you should not rely on this information, and we recommend that you take further advice or seek further guidance before taking any action based on the information contained on this website. 

Nothing on this website constitutes the provision of, or an offer to provide, financial, investment, tax, legal, professional or other advice in any way. Nothing on this website should be taken as an invitation to or a recommendation to buy, sell, underwrite or subscribe for or hold any securities in Carey's Personal Credit or any of its products or services.

Nothing on this website should be regarded as being a financial promotion for any securities in Carey's Personal Credit  or any of its products or services but in any event please note that the price of securities and other investments, and the income from them, can go down as well as up, and you may lose your original investment, and that past performance is not necessarily a guide to future performance.

The content of this website is for information only and is not tailored for any particular investor. You should not rely on it, you should rely on your own judgement before making any investment and on all publicly available information and if you are in doubt about what to do you should seek independent advice before making any investment decisions.

Our liability to you as explained above remains unaffected by this.

Linking
We may link to other websites which are not within our control.   We are not responsible for these websites in any way and do not endorse them.  It is your responsibility to check the terms and conditions and privacy policy on any other website which you visit.

You may not link to this website from another website without our consent in writing.

Contracting online
Nothing on this website is intended to be nor should be construed as an offer to enter into a contractual relationship with you or anyone else, except for these terms and conditions which govern the relationship between us in relation to your use of the website.

If you make a contract with a third party who is named or referred to on this website, it is your responsibility to ensure that you are comfortable with the terms of that contract and to take legal advice if necessary.

Governing Law and Jurisdiction
The formation, existence, construction, performance, validity and all aspects whatsoever of these terms and conditions or of any term of these terms and conditions will be governed by the law of England.

The English courts will have exclusive jurisdiction to settle any disputes which may arise out of or in connection with these terms and conditions or use of the website.