Terms and Condition
1. Introduction and Acceptance
1.1. These Terms and Conditions (the “Terms”) govern your use of the website located at [Your Website URL, e.g., kredzofund.com] (the “Website”), which is operated by Kredzo Fund Ltd (“Kredzo Fund,” “we,” “us,” or “our”).
1.2. These Terms apply to all users of the Website, including without limitation users who are browsers, customers, merchants, and/or contributors of content.
1.3. We reserve the right to update, change, or replace any part of these Terms by posting updates and/or changes to our Website. It is your responsibility to check this page periodically for changes. Your continued use of or access to the1 Website following the posting of any changes constitutes acceptance of those changes.
2. Definitions
- “Services” refers to the business loan products, tools (including the calculator), and informational content provided or accessed through the Website.
- “User,” “You,” “Your” refers to any individual or entity accessing or using the Website.
- “Application” refers to any form or request submitted through the Website seeking to check eligibility for, or formally apply for, a financial product offered by Kredzo Fund.
3. Use of the Website and Services
3.1. Eligibility: By using this Website, you represent that you are at least the age of majority in your state or province of residence, or that you are the age of majority in your state or province of residence and you have given us your consent to allow any of your minor dependents to use this Website. You also confirm that you are seeking finance for genuine business purposes.
3.2. Accuracy of Information: You agree to provide current, complete, and accurate information when submitting an Application or using the calculator tool. Any estimates provided by our calculator are illustrative only and do not constitute a binding offer from Kredzo Fund.
3.3. Prohibited Uses: You are prohibited from using the Website or its content: (a) for any unlawful purpose; (b) to solicit others to perform or participate in any unlawful acts; (c) to violate any international, federal, provincial, or state regulations, rules, laws, or local ordinances; (d) to infringe upon or violate our intellectual property rights or the intellectual property rights of others.
4. Financial Disclaimer and Lending Terms
4.1. No Financial Advice: The information on this Website is for informational purposes only and does not constitute financial, investment, or legal advice. You should seek independent professional advice before making any financial decisions.
4.2. Lending Policy: All lending decisions are made by Kredzo Fund following a full and formal application, credit check, and assessment of your business’s financial health. The final interest rate, fees, and loan amount may differ from any initial estimates.
4.3. Lending Regulator: Our lending activities comply with all relevant UK laws and regulations.
5. Intellectual Property
5.1. The Website and all its contents, features, and functionality (including but not limited to all information, software, text, displays, images, video, and audio, and the design, selection, and arrangement thereof) are owned by Kredzo Fund, its licensors, or other providers of such material and are protected by international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.
5.2. You are granted a non-exclusive, non-transferable, revocable license to access and use the Website strictly in accordance with these Terms.
6. Data Protection and Privacy
6.1. Your submission of personal and business information through the Website is governed by our Privacy Policy. Please review our [Privacy Policy] to understand our practices.
6.2. By submitting an Application, you consent to Kredzo Fund conducting necessary credit checks (soft or hard, as specified) and sharing your data with relevant third parties as required for processing your application and providing the Services.
7. Limitation of Liability
TO THE FULLEST EXTENT PERMITTED BY LAW, KREDZO FUND SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL DAMAGES, INCLUDING BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA, OR OTHER INTANGIBLE LOSSES RESULTING FROM (I) YOUR USE OR INABILITY TO USE THE WEBSITE; (II) THE ACCURACY OF ANY INFORMATION ON THE WEBSITE; OR (III) UNAUTHORISED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA.
8. Governing Law
These Terms and any separate agreements whereby we provide you Services shall be governed by and construed in accordance with the laws of England and Wales, and you submit to the exclusive jurisdiction of the courts located in England and Wales for the resolution of any disputes.
9. Changes to Terms
Kredzo Fund reserves the right, at its sole discretion, to modify or replace these Terms at any time. We will indicate at the top of these Terms the date of the last revision. Your continued use of the Website after any such changes constitutes your acceptance of the new Terms.
10. Contact Information
Questions about the Terms and Conditions should be sent to us at:
[Email Address: legal@kredzofund.com]