Terms and conditions

Terms and conditions
Please read the following section carefully as it contains the conditions governing your use of the entire content of the website under the domain name focus-leasing.co.uk and other associated URLs (the "Site") and to any correspondence by email between us and you. By using this Site you agree to these terms and conditions of use. If you do not accept these terms and conditions in full, you must leave the Site immediately.

We may amend these terms and conditions at any time without notice. You should check this webpage from time to time to review the current terms and conditions because they are binding on you. Additional terms and conditions may apply to certain products and services offered on this Site. These will be drawn to your attention when you browse and will supersede any conflicting term in these terms and conditions.

Focus Leasing
The Site is operated by Focus Asset Finance Limited trading as Focus Leasing. In these terms and conditions, "our", "we", and "us" refer to Focus Leasing.

Focus Leasing, registered address: 1 London Road Office Park, London Road, Salisbury. SP1 3HP Tel: 01722 448050. E-mail: [email protected]

Ownership of material
All copyright, designs, graphical and text arrangements, logos, trademarks, database rights and any other intellectual property rights in all material on the Site are owned by Focus Leasing unless otherwise indicated.

Use of Site
This Site is designed for the use of the clients, supplier partners, prospective clients and prospective supplier partners of Focus Leasing. Interference or entry to the Site with intent to corrupt, damage or deny service from the Site is taken seriously and we will take such action as is necessary to protect the Site from any such activities. You acknowledge that damages may not be an adequate remedy for any infringement and that we are entitled to the remedies of injunction, specific performance, an order to deliver up materials which infringe our intellectual property rights and any other statutory or equitable relief and that no proof of special damages is necessary for reliance on such remedies.

Terms and conditions of our products and services
The content of the Site does not constitute an offer by us to sell products and services. Your request to purchase a product or service represents an offer by you that we may accept or reject and will be subject to the terms and conditions of that product or service.

The information and descriptions on the Site do not necessarily represent complete descriptions of all terms and conditions in relation to our products and services. Specific details will be included in the documents and/or conditions issued to you.

Any examples and tax models provided in the Site or generated by AutoQuote Online � are for indicitative purposes only and should not be relied upon. You should contact your accountant or other competent, qualified advisor for specific tax planning advice.

You must ensure that the details you give to us while using this Site are correct and that you disclose all facts relevant to the processing of credit applications.

Consent to Process Data under the Data Protection Act 1998
Focus Leasing will use the information provided to apply for suitable finance facilities for you. We may disclose the information to other companies including suppliers of equipment and services, and lenders for the purpose of considering this credit application.

The lender may assess your application using credit scoring. Declines based on this automated technique can be reviewed manually on request. They may make searches at one or more credit reference agencies (CRAs). A record of this search will be kept and may be used by other lenders in assessing applications from you for credit in the future. Any information held about you by the CRAs may already be linked to records relating to one or more of your partners, including previous and subsequent names of parties to an account. In this case, this application may be treated as financially linked and assessed with reference to any "associated records". For joint applications a new "association" may be created at the CRAs (except for limited companies and partnerships) which will link your financial records. If this is a joint application, you must be entitled to disclose information about your co-applicant and/or anyone else referred to by you, and to authorise the lender to search and/or record information at CRAs about both of you. When an application is received from a business, information may be sought from CRAs on the company directors and/or partners as individuals. The lender will check your details with fraud prevention agencies and if false or misleading information is given on the application and fraud is suspected, this will be recorded. Other lenders will check this information to help prevent fraud. The information may be retained for an indefinite period and may be used for marketing (by post, telephone, email and fax) and other purposes. If you do not want your details to be used in this way please inform us in writing. You have a right to see a copy of any information held about you by applying in writing. A fee will be payable.

Availability of site
Whilst we have taken care in the preparation of the Site, certain technical matters may be beyond our control and we cannot guarantee that you will have uninterrupted or error free access to all of the Site at all times, that defects will be remedied, or that the Site, or the server that makes the Site available, are virus free. Access may be suspended occasionally or restricted to allow for repair or maintenance or for the introduction of new services.

Complaints procedure
We aim to provide you with a first class online service. However, there may be times when you feel that we have not done so. If this is the case, we would rather be told about it so that we can do our best to solve the problem. If you have a complaint then please contact us and we will make sure that your complaint is considered immediately.

External links
Links to third party websites are provided solely for your convenience. When you activate these links you will leave the Site. We do not endorse or take responsibility for the content on third party websites or the availability of those websites and we are not liable for any loss or damage that you may suffer by using those websites. If you decide to access linked websites you do so entirely at your own risk.

Site access and password usage
The Site is directed at those who can access the Site from the UK and is intended for use by UK residents only. Applications for products or services from non-UK residents will, unless otherwise stated, not be accepted.

To obtain access to certain online services you are given the opportunity to register with us. You are responsible for maintaining the confidentiality of your details and your password and for restricting access to your computer to prevent unauthorised access to your account. You accept responsibility for activities that occur under your account. You agree to inform us immediately if you have reason to believe that your password is being used in an unauthorised manner.

We will do our best to correct errors and omissions as soon as we can. Nevertheless, on occasion there may be mistakes in the price or type of product or service shown. In the event of such an error we reserve the right to cancel any contract we may have entered with you, but this of course will be without any liability to you and a refund will be offered, if applicable.
The following provisions should be read carefully as they exclude or limit our legal liability in connection with your use of this website. Nothing in these terms and conditions attempts to exclude liability that is not permissible under applicable law, including without limitation, death or personal injury, or for fraudulent misrepresentation.

While we have taken all reasonable steps to ensure the accuracy and completeness of the content of the website, we exclude any warranties, undertakings or representations (either express or implied) to the full extent permitted under applicable law, that the website or (including without limitation) all or any part of the content or materials, accuracy, availability or completeness of the content of the site or any part of the content or materials are appropriate or available for use either in the United Kingdom or in other jurisdictions. If you use this website from other jurisdictions, you are responsible for compliance with applicable local laws.

We accept no liability in contract, tort, negligence, statutory duty or otherwise (to the maximum extent permitted by applicable law) arising out of the use of or access to this site (which includes without limitation) any errors or omissions contained in this site or if the site is unavailable and we shall not be liable for any direct or indirect:

economic losses (including without limitation loss of revenues, data, profits, contracts, use, opportunity, business or anticipated savings);
loss of goodwill or reputation;
special, incidental, consequential loss or damage,
suffered or incurred arising out of or in connection with your use of the site and these terms and conditions.

Access to and use of the site is at the user's own risk and we do not warrant that the use of the site or any material downloaded from it will not cause damage to any property, or otherwise minimise or eliminate the inherent risks of the internet including but not limited to loss of data, computer virus infection, spyware, malicious software, trojans and worms. Also, we accept no liability in respect of losses or damages arising out of changes made to the content of the site by unauthorised third parties.

If any provision in these terms and conditions shall be found by any court or administrative body of competent jurisdiction to be invalid or unenforceable for any reason, such provision shall be deemed deleted and will not affect the validity or enforceability of the remaining provisions.

If you breach these terms of use and we do not take immediate action against you we are still entitled to enforce our rights and remedies in respect of any such breach or any subsequent breach.

Jurisdiction and law
These conditions of use shall be governed by and construed in accordance with English law. Any disputes shall be subject to the exclusive jurisdiction of the English courts.
If you wish to contact us regarding any matter set out in these terms and conditions you may do so by email, by phone or in writing.

Last updated: October 2006

Focus Leasing, 1 London Road Office Park, London Road, Salisbury. SP1 3HP