1.1 Orcamoney.com website (“Site”) brand and logo are trading styles of Orca Money Limited, Registered in Northern Ireland, Company Number NI635108, Registered Address: 5th Floor, 10-20 Lombard Street, Belfast, BT1 1RD. This website usage agreement is between Orca Money Limited (orcamoney.com) and the user.
1.2 Use of this site constitutes agreement with the following terms and conditions. These terms are governed by and interpreted in line with English Law. Please read these carefully.
1.3 This site is intended for the use by citizens of the United Kingdom. This site is not intended for distribution to, or use by, any person in a country where such distribution or use would be contrary to local laws or regulations.
2. Use of Content
2.1 Throughout our web site, trademarked names are indicated. However, rather than repeatedly show the trademark symbol, we state that we are using such names in an editorial context with no intention of infringement of that trademark. Trademarked names, as always, remain the property of their respective companies.
2.2 We, or our licensors, own the copyright and all other intellectual property rights associated with the content save where otherwise stated.
2.3 We cannot warrant that use of the site will not be interrupted or unavailable due to any factors outside our control.
2.4 We are happy for you to download or print off copies of the content of this site (other than any quotation details) for your personal, non-commercial, use and information but, any copying or adaptation of the content, layout or code of this site, or the creation of an archive or database containing the content, for any business purpose or other commercial exploitation, without our specific consent will constitute copyright infringement.
2.5 If you do download or print off copies of the content you must retain any copyright or other intellectual property notices contained in the original material.
2.6 You may not copy, distribute or display the site or any part of it to third parties. You may not link to or mirror any part of the site. Any infringement of any intellectual property rights in this manner will result in appropriate legal action.
2.7 Any rights not expressly granted in these terms are reserved.
3.1 We are continually seeking to update and improve the site. Therefore, we may make changes to any part of the site and these conditions and you will be bound by changes to these conditions from the time you next access the site.
4.1 You must ensure that any software downloaded from the internet to your computer is suitable for use on your computer. This applies to any software downloaded from this site so you must check all software loaded from this site and ensure it is compatible with your computer.
5.1 The information on this site is provided on an ‘as is’ and ‘as available’ basis.
We try to ensure, but do not guarantee or warrant, the accuracy or completeness, availability or reliability of the information on our web site. Our aim is to keep this information timely and accurate. If errors are brought to our attention, we will try to correct them.
5.2 We exclude any warranty, express or implied, as to the quality or fitness for a particular purpose of any of the content on this site.
5.3 We reserve exclusive right at our sole discretion to alter, limit or discontinue part of this site. Under no circumstances shall we be liable for any loss, damage, liability or expense suffered which is claimed to result from the use of this site, including without limitation, any fault, error, omission, interruption or delay. Use of this site is at the user’s sole risk.
5.4 We make every effort to minimise disruption caused by technical errors. However, some data or information on our site may have been created or structured in files or formats, which are not error-free, and we cannot guarantee that our service will not be interrupted or otherwise affected by such problems. We accept no responsibility with regards to such problems (failure of performance, computer virus, communication line failure, alternation of content, etc.) incurred as a result of using this site or any link to external sites.
5.5 The materials on this site do not constitute financial or other professional advice. You should consult an appropriate professional for specific advice tailored to your situation.
5.6 Users specifically acknowledge and agree that we are not liable for any conduct of any other user.
5.7 By accessing this site you agree that we will not be liable to you or any third party for any errors or delays in the site or for any actions taken in reliance on it. You also agree that, to the full extent allowed by applicable law, we will not be liable for any direct, indirect or consequential loss or any losses that were actually unforeseeable by us arising from the access or use of the site or from your access or use of other material on the internet via web links for this site. We do not seek to limit liability in respect of fraudulent misrepresentation nor in respect of death or personal injury directly caused by our negligence.
5.8 We reserve the right to deny at our sole discretion any user access to this site or any portion thereof without notice. We have no obligation to forward any unread or unsent messages to you or any third party.
5.9 Peer-to-Peer lending is not covered by the Financial Services Compensation Scheme (FSCS). Consequently, your capital may be at risk if a borrower fails to repay a loan that you have had assigned to you.
While we make every effort to ensure the accuracy and reliability of our services, orcamoney.com makes no warranties or guarantees as to their suitability for any purposes.
The products compared on oracmoney.com are not representative of all the products available in the market. The product information provided cannot be considered comprehensive and may not contain all the features relevant to you. Use of terms like ‘best’ and ‘top’ are not product ratings and are subject to our terms and conditions of use.
To keep the site free for use, orcamoney.com gets paid by promoted providers either by a Cost-Per-Click, Cost-Per-Application, or Cost-Per-Account.
This privacy statement establishes how we handle the information we learn about you when you visit our site. Protecting the privacy and personal data of our visitors is of utmost importance to us.
All personal details submitted to us will be held in accordance with our responsibilities under the Data Protection Act 1998 (the Act) that applies in the UK.
The principle purpose of collecting personal data from you via this web site is to provide information or services specifically requested by you. When you complete our online enquiry form, we ask for your contact details and other selected information so that we can deal with your request as efficiently and effectively as possible.
The Act allows you to find out what information we hold about you in return for a small fee. This is known as a subject access request. Before sending you any personal data, we will ask you to provide proof of your identity. If you are not able to provide proof of your identity, we reserve the right to refuse to send you personal data. You can obtain further information about data protection laws by visiting the Information Commissioner’s web site at www.dataprotection.gov.uk you can search for our Data Protection Notification there, should you wish to do so.
We may on occasions wish to use personal information supplied by you when you registered with us, contacted us, requested brochures or provided personal information from other services accessed from us, to inform you of new services, products and promotions which we think maybe of interest to you. If you do not wish to receive any further information from us, you may inform us of this by email at the following address firstname.lastname@example.org or by letter at the following address 10-20 Lombard Street, Belfast, BT1 1RD.
Disclosing personal information
We may disclose your personal information to [any of our employees, officers, insurers, professional advisers, agents, suppliers or subcontractors] insofar as reasonably necessary for the purposes of the services requested by the user and set out in this policy.
We may disclose your personal information:
(a) to the extent that we are required to do so by law;
(b) in connection with any ongoing or prospective legal proceedings;
(c) in order to establish, exercise or defend our legal rights (including providing information to others for the purposes of fraud prevention and reducing credit risk);
(d) [to the purchaser (or prospective purchaser) of any business or asset that we are (or are contemplating) selling]; and
Except as provided in this policy, we will not provide your personal information to third parties.
We intend to protect the quality and integrity of your personal information. We have security measures in place to protect your data and access to this data is under strict guidelines. We protect data against any unauthorised access to its web site access details, log off/exit from site when not using it and keep passwords secret.
We have implemented technologies and security policies such as SSL (Secure Socket Layer) which is a way to transfer sensitive data securely using 128-bit encryption. This makes it safe from monitoring and manipulation attempts. It protects stored personal data of our users from unauthorised access, improper use, alteration, unlawful or accidental destruction and accidental loss. Employees and processors who have access to personal data are obliged to respect the privacy of our visitors and the confidentiality of their personal data.
Please note that although we take reasonable steps to protect data, open emails are not secure and third parties may be able to intercept access or alter any information, you send by email. We are not responsible for and cannot accept any liability for any damage resulting from email messages sent to or received by us.
Notification of changes
There may be a need to amend this privacy statement and these will be highlighted on the web site home page.
If at any time you believe we have not complied with these principles, please notify us by email to email@example.com and we will investigate your concerns and take all reasonable steps to resolve the matter promptly.
What is a Cookie?
Cookies are very small text files that are stored on your computer when you visit some websites.
You can disable any cookies already stored on your computer, but these may stop our website from functioning properly.
You can find out more about cookies by visiting: aboutcookies.org
Cookies we use:
Help us measure how the site is doing with “performance cookies”. These can tell us what pages are popular and help to identify parts of the site that are not working correctly.
We use Mouseflow to analyse traffic on the site in order to understand our customers’ needs. Mouseflow
collects only anonymous, aggregate statistics and does not tie a specific visit to a specific visitor.
This website is owned and operated by Orca Money Limited.
We are registered in Northern Ireland under registration number NI635108 and our registered office is at 5th Floor, 10-20 Lombard Street, Belfast, BT1 1RD.
Our principal place of business is at 5th Floor, 10-20 Lombard Street, Belfast, BT1 1RD.
You can contact us:
(a) [by post, using the postal address [given above]];
(b) [by telephone, on [the contact number published on our website from time to time]]; or
(c) [by email, using [the email address published on our website from time to time]].