Website & funding circle platform terms of use

It is important that you read these Terms of Use as your access to the Website and the Funding Circle Platform is governed by them. We can make changes to these Terms of Use at any time and will post any amended Terms of Use to the Website. If you continue to use the Website or the Funding Circle Platform, you will be deemed to have accepted those amended Terms of Use.

These Terms of Use refer to the following additional policies and terms, which also apply to your use of the Website and the Funding Circle Platform:

• our Privacy Policy, which sets out the terms on which we process any personal data we collect from you, or that you provide to us;
• our Cookie Policy, which sets out information about the cookies on our site; and
• to the extent that they apply to you, our Borrower Agreement and our Investor Terms and Conditions.

We try to ensure that you have uninterrupted access to the Website and its content and features and, if you are a registered user, to the Funding Circle Platform and your accounts, but we cannot guarantee that access will always be available or uninterrupted.

From time to time, access may be interrupted, suspended or restricted, including because of a fault, error or other unforeseen circumstance or because we are carrying out planned maintenance. We will not be liable to you for any loss or damage which you may suffer as a result of the Website or the Funding Circle Platform being unavailable at any time for any reason.

We may suspend or disable your access to the Website and/or Funding Circle Platform at any time if, in our reasonable opinion:

• you have failed to comply with these Terms of Use;
• you have failed to comply with the Terms and Conditions that apply to you; or
• your account is being misused, illegally or fraudulently used or is subject to other unauthorised use.

You agree that you will:

• only use the Website and the Funding Circle Platform for their intended purposes and in accordance with these Terms of Use and the Terms and Conditions that apply to you;
• provide us with accurate information and keep it updated;
• be responsible for your own virus protection software; and
• comply with all applicable laws in relation to the access to and use of the Website and the Funding Circle Platform.

You agree that you will not do (or attempt to do) any of the following:

• hack, make unauthorised alterations to or introduce any kind of malicious code to the Website or Funding Circle Platform by any means;
• reverse engineer or decompile (whether in whole or part) any software available through the Website;
• make copies, modify, reproduce, transmit, alter or distribute all or any part of the Website or any material or information contained on it (although you may make limited copies of your own account information for personal use);
• disguise or interfere in any way with the IP address of the computer you are using to access the Website or otherwise take steps to prevent us from correctly identifying the actual IP address of the computer you are using whilst accessing the Website or the Funding Circle Platform;
• gain, or assist others in gaining, unauthorised access to the Website and Funding Circle Platform;
• use the Website and/or Funding Circle Platform for any purpose that is unlawful, including any fraudulent use;
• use bots, gaming algorithms or other automated methods to access or engage with the Website or the Funding Circle Platform;
• use the Website and/or Funding Circle Platform to simulate communications from us or another service or entity in order to collect identity information, authentication credentials or other information; and
• use the Website and/or Funding Circle Platform in any manner that disrupts their operation or causes it to fail.

The Website may contain hyperlinks or references to third party websites. Any such hyperlinks or references are provided for your information and convenience only. We have no control over third party websites and accept no responsibility for any content, material or information contained in them. The display of any hyperlink and reference to any third party website does not mean that we endorse that third party's website, products or services. Your use of a third party site may be governed by the terms and conditions of that third party website.

We are the owner or the licensee of all intellectual property rights in and to the Website and the Funding Circle Platform, and the content, information, imagery and data published on them, including copyright and trade mark rights (whether registered or unregistered). Those works are protected by copyright laws and treaties around the world. All such rights are reserved.

We have registered and unregistered trade mark rights, and other rights, in relation to the words “Funding Circle” and the Funding Circle logos. You will not make any unauthorised use of these trade marks. www.fundingcircle.com/uk is the uniform resource locator (URL) of Funding Circle in the UK. You will not make any use of this URL (or any other URL owned by us) without our prior written consent. You may not link to the Website without our prior written consent.

You will retain ownership of all copyright in data you upload or submit to the Website. You grant us a worldwide, royalty-free, irrevocable licence to use, copy, distribute, publish and transmit this data in any manner (subject to our Privacy Policy).

You agree that all personal information you provide to us via this Website or the Funding Circle Platform may be collected, stored, processed and used in accordance with our Privacy Policy.

These Terms of Use should be read alongside and are in addition to the Privacy Policy and, by using this Website, the Funding Circle Platform and any other systems or services provided through them, you confirm that you have had a proper opportunity to read the Privacy Policy and agree to be bound by it. If you do not agree to the Privacy Policy, you must stop using this Website immediately.

When you use this Website, we may collect information about your computer (including, where available, your IP address, operating system and browser type) and your interaction with the Website, including for the purposes of marketplace administration and service improvement. See our Cookies Policy for more information.

We do not guarantee that the Websites will be secure or free from bugs or viruses.

You are responsible for configuring your information technology, computer programmes and platform in order to access the Websites and the Funding Circle Platform. You should use your own virus protection software.

We do not warrant or represent that the use of the Website, or any content taken from the Website, will not infringe the rights of any third party.