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T&C's

Rugby AM Limited reserves the right, at any time and without prior notice, to remove or cease to supply any product or service contained on this website.

In the event that such removal takes place we shall not be liable to you in any way whatsoever for such removal.

Prices, and details, of products and services (and any offers) posted online are subject to change without notice. All products and services are subject to availability and we give no guarantee in this regard. The provision of details of products and services on this website are not, and should not be construed as, an offer to sell or buy such products or services by the relevant company. The company advertising the products or services concerned may accept or reject your offer at its sole discretion.

The copyright in the material contained in this website belongs to Rugby AM Limited Now or its licensed source. Any person may copy any part of this material, subject to the following conditions:

• The material may not be used for commercial purposes.

• The copies must retain any copyrights or other intellectual property notices contained in the original material.

• The products and technology or processes described in this website may be subject to other intellectual property rights reserved by Rugby AM Limited or by other third parties (and no licence is granted in respect of those intellectual property rights).

• Images on this website are protected by copyright and may not be reproduced or appropriated in any manner without the written permission of their respective owner(s).

While Rugby AM Limited Now has taken care in the preparation of the contents of this website, this website and the information, names, images, pictures, logos, icons regarding or relating to Rugby AM Limited or the products and services of the same (or to third party products and services), are provided on an 'as is' basis without any representation or endorsement being made and without any warranty of any kind, whether express or implied, including but not limited to, any implied warranties of satisfactory quality, fitness for a particular purpose, non-infringement, compatibility, security and accuracy. To the extent permitted by law, all such terms and warranties are hereby excluded. In no event will Rugby AM Limited be liable (whether in contract or tort (including negligence or breach of statutory duty or otherwise) for any losses sustained and arising out of or in connection with use of this website including, without limitation, loss of profits, loss of data or loss of goodwill (in all these cases whether direct or indirect) nor any indirect, economic, consequential or special loss.

Rugby AM Limited does not represent that the information contained in this website is accurate, comprehensive, verified or complete, and shall accept no liability for the accuracy or completeness of the information contained in this website or for any reliance placed by any person on the information.

Rugby AM Limited does not warrant that the functions or materials accessible from or contained in this website will be uninterrupted or error free, that defects will be corrected or that this website or the server that makes it available are virus or bug free or represent the full functionality, accuracy, reliability of the materials.

By entering into a competition on RugbyAM.co.uk you are allowing Rugby AM and its third part partners involved in the competition the right to contact you about the competition itself or any other relevant offers that they feel may be of value to you as a customer.

If any of these Terms and Conditions (or any terms and conditions relating to a product or service referred to in this website) should be determined to be illegal, invalid or otherwise unenforceable by reason of the laws of any state or country in which such terms and conditions are intended to be effective, then to the extent of such illegality, invalidity or unenforceability, and in relation to such state or country only, such terms or condition shall be deleted and severed from the rest of the relevant terms and conditions and the remaining terms and conditions shall survive, remain in full force and effect and continue to be binding and enforceable. Nothing in these terms and conditions shall exclude Rugby AM Limited's liability for death or personal injury resulting from Rugby AM Limited's negligence.

All Intellectual Property Rights (including, without limitation, all database rights, rights in designs, rights in know-how, patents and rights in inventions (in all cases whether registered or unregistered and including all rights to apply for registration) and all other intellectual or industrial property rights in any jurisdiction) in any information, content, materials, data or processes contained in or to this website belong to Rugby AM Limited or its licensed source. All rights of Rugby AM Limited in such Intellectual Property Rights are hereby reserved.

Unless otherwise specified, the products and services described in this website are available only to UK residents (excluding the Channel Islands and Isle of Man). The information on this Website is not directed at anyone other than UK residents and applications from others will, unless otherwise stated, not be accepted. Rugby AM Limited makes no representation that any product or service referred to on the website are appropriate for use, or available in other locations. The information and other materials contained in this website may not satisfy the laws of any other country and those who choose to access this site from other locations are responsible for compliance with local laws if and to the extent local laws are applicable. The phone numbers provided only apply to phone calls made from within the UK.

These Terms and Conditions and any terms and conditions relating to products or services described in this website shall be governed by and construed in accordance with the laws of England and Wales. Disputes arising in relation to the same shall, unless otherwise expressly agreed, be subject to the exclusive jurisdiction of the courts of England and Wales.

Telephone calls using the telephone numbers provided on this website and email correspondence with Rugby AM Limited at the email addresses accessible through, or discernible from, this website may be recorded or monitored. By using such communication methods you are consenting to the recording or monitoring of the same.

If you apply for any product or service detailed on this website, these Terms and Conditions should be read in conjunction with any other terms and conditions which relate to any such product or service and, in the event of any contradiction between these Terms and Conditions and the specific terms and conditions relating to such product or service, the latter shall prevail. For the purposes of these Terms and Conditions, product(s) and service(s) shall include, without limitation, any insurance or financial service.

The images, logos and names on this website which identify Rugby AM Limited or third parties and their products and services are proprietary marks of Rugby AM Limited or the relevant third parties. Nothing contained in this website shall be deemed to confer on any person any licence or right on the part of Rugby AM Limited or any third party with respect to any such image, logo or name.

We reserve the right to change these terms and conditions at any time by posting changes on the website. It is your responsibility to review the website terms and conditions regularly to ensure you are aware of the latest terms and conditions. Your use of this website after a change has been posted will be deemed to signify your acceptance of the modified terms and conditions. We recommend that you print off and retain for your records a copy of these terms and conditions from time to time and a copy of any terms and conditions relating to any product or service which you apply for online, together with any related application form completed and submitted. Any amendment to terms and conditions must be agreed in writing by us, or, if appropriate, by the relevant company with whom you contract.

Privacy

The Rugby AM Limited Privacy Statement explains Rugby AM Limited's data processing practices. If you would like to make a request about the personal information or this policy, please feel free to contact our Privacy Officer by e-mail at [email protected]

Personal information is collected from you via online application forms and when you e-mail or contact us with your details. Information is also collected automatically when you visit our site including browsing patterns and demographic data which is collected via cookies and session file information.

By providing your personal details you are agreeing that personal information collected via rugbyam.co.uk can be used to:

• Process your application.

• Provide you with an efficient and personal service and information on the services and products offered.

• Conduct market research and run promotions and competitions.

• Allow us and our partners to send you details of relevant special offers and promotions via e-mail, telephone, SMS and post using the contact details you have provided.

• Pass your contact details to financial solution providers in order for them to contact you regarding possible non-lending solutions if we are unable to source a suitable lending proposition for you.

We may also use the personal information you provide for the purposes of: identity verification, credit and risk management, revenue collection, database verification and enhancement. If you would prefer your information not to be used in these ways, please email [email protected]

Some of the services that we provide will result in sending an SMS, wireless or other mobile offering to your mobile phone. These should be obvious in the context of the offering at the time you sign up. By signing up, you are agreeing to receive these mobile offerings. You understand that your wireless carrier's standard rates apply to these messages. To unsubscribe or discontinue SMS messages, send "STOP", "END", "QUIT" to the SMS text message you have received. This process impacts only the future delivery of the particular SMS message offering, so you must send that message for each offering. This will not affect offerings sent on behalf of third parties.

Use of cookies and session files

We use "cookies" to identify who visits rugbyam.co.uk site and to build up an overview of regular visitors.

Cookies are information sent to a web browser which enable the server to collect information from the browser allowing our visitors to be presented with a personalised version of rugbyam.co.uk.

If you would prefer not to use cookies when you visit this site please alter your Internet browser cookie settings using your computer's help function.

We use session files to review our visitor's browsing patterns to identify areas of rugbyam.co.uk that have been of interest.

This allows us to enhance our site for our visitors, to develop our service and relationships and to audit the usage of the site.

Your control over the use of your personal data

You have choice and control over your information. If you wish to make an enquiry on data held by us or would like to opt-out of receiving future information, please email your request to [email protected]

Please note: We are not responsible for the content of any sites that rugbyam.co.uk links to or their data policies and procedures.

Child Protection

We encourage parents and guardians to spend time online with their children and to participate and monitor their interactive activities. Rugby AM Limited will never knowingly collect any personal information about young people under the age of 18 (eighteen).

If Rugby AM Limited obtains actual knowledge that it has collected personal information about a young person under the age of 18 (eighteen), that information will be immediately deleted from its database.

False or Inaccurate Information

If false or inaccurate information is provided, including in relation to a person's identity and fraud is identified, details about this information, including customer Personal Data, will be passed to fraud prevention agencies. Law enforcement agencies may access and use this information.

The lender and other organisations may also access and use this information to prevent fraud and money laundering, for example when: Checking details on applications for credit and credit related and other facilities; managing credit and credit related accounts or other facilities; recovering debt; checking details on proposals and claims for all types of insurance; and checking details of job applicants and employees.

The lender and other organisations may access and use from other countries the information recorded by fraud prevention agencies.

For further details of the relevant fraud prevention agencies please contact us by e-mail at [email protected]

Our Right to Contact You

The use of the Rugby AM Limited website constitutes an existing business relationship between Rugby AM Limited or any of its affiliates with whom Rugby AM Limited shares information in accordance with this Privacy Policy. The use of the Rugby AM Limited website qualifies as consent to be contacted by, including but not limited to, telephone and email for changes in account status, changes in subscriber agreements, marketing opportunities, and privacy policies and/or any other policies or agreements relevant to you or your account.

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