Last Updated Oct 2022
1.1. www.lendlord.io is a site operated by Lendlord Limited (“Lendlord”, “we”, “us”, “our”), registered in England and Wales under company number 11973095 with registered office at Office 5-6 First Floor Popin Business Centre, Wembley, HA9 0HF.
1.2. We are a limited liability company.
1.3. To contact us, please email firstname.lastname@example.org or telephone us on 0208 191 9611.
2.2.If you do not agree to these terms, you must not use our site.
2.3.We recommend that you print a copy of these terms for future reference.
4.1.We amend these terms from time to time. Every time you wish to use our site, please check these terms to ensure you understand the terms that apply at that time.
5.1.We may update and change our site from time to time to reflect changes to our products, our users’ needs and our business priorities. We will try to give you reasonable notice of any major changes.
6.1.Our site is made available free of charge.
6.2.We do not guarantee that our site, or any content on it, will always be available or be uninterrupted. We may suspend or withdraw or restrict the availability of all or any part of our site for business and operational reasons. We will try to give you reasonable notice of any suspension or withdrawal.
7.1.If you choose, or you are provided with, a user identification code, password or any other piece of information as part of our security procedures, you must treat such information as confidential. You must not disclose it to any third party.
7.3.If you know or suspect that anyone other than you knows your user identification code or password, you must promptly notify us at email@example.com.
8.1.We are the owner or the licensee of all intellectual property rights in our site, and in the material published on it. Those works are protected by copyright laws and treaties around the world. All such rights are reserved.
8.2.You may print off one copy, and may download extracts, of any page(s) from our site for your personal use and you may draw the attention of others within your organisation to content posted on our site.
8.3.You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text.
8.4.Our status (and that of any identified contributors) as the authors of content on our site must always be acknowledged.
8.5.You must not use any part of the content on our site for commercial purposes without obtaining a licence to do so from us or our licensors.
9.1.The content on our site is provided for general information only. It is not intended to amount to advice on which you should rely. You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of the content on our site.
9.2.Although we make reasonable efforts to update the information on our site, we make no representations, warranties or guarantees, whether express or implied, that the content on our site is accurate, complete or up to date.
10.1.Where our site contains links to other sites and resources provided by third parties, these links are provided for your information only. Such links should not be interpreted as approval by us of those linked websites or information you may obtain from them.
10.2.We have no control over the contents of those sites or resources.
11.1.This Website may include information and materials uploaded by other users of the site, including to bulletin boards and chat rooms. This information and these materials have not been verified or approved by us. The views expressed by other users on our site do not represent our views or values.
11.2.If you wish to complain about information and materials uploaded by other users please contact us on firstname.lastname@example.org.
12.1.Whether you are a consumer or a business user:
(a)We do not exclude or limit in any way our liability to you where it would be unlawful to do so. This includes liability for death or personal injury caused by our negligence or the negligence of our employees, agents or subcontractors and for fraud or fraudulent misrepresentation.
(b)Different limitations and exclusions of liability will apply to liability arising as a result of the supply of any products to you, which will be set out in our applicable service Terms and conditions.
12.2.If you are a business user:
(a)We exclude all implied conditions, warranties, representations or other terms that may apply to our site or any content on it.
(b)We will not be liable to you for any loss or damage, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, even if foreseeable, arising under or in connection with:
(i)use of, or inability to use, our site; or
(ii)use of or reliance on any content displayed on our site.
(c)In particular, we will not be liable for:
(i)loss of profits, sales, business, or revenue;
(iii)loss of anticipated savings;
(iv)loss of business opportunity, goodwill or reputation;
(v)loss or corruption of data; or
(vi)any indirect or consequential loss or damage.
12.3.If you are a consumer user:
(a)Please note that we only provide our site for domestic and private use. You agree not to use our site for any commercial or business purposes, and we have no liability to you for any loss of profit, loss of business, business interruption, or loss of business opportunity.
(b)If defective digital content that we have supplied, damages a device or digital content belonging to you and this is caused by our failure to use reasonable care and skill, we will either repair the damage or pay you compensation. However, we will not be liable for damage that you could have avoided by following our advice to apply an update offered to you free of charge or for damage that was caused by you failing to correctly follow installation instructions or to have in place the minimum system requirements advised by us.
13.1. Lendlord offer bridging finance service to its user base.
13.2. Lendlord only supports non-regulated bridging finance on buy to let properties only.
13.3. All loans are being done with Heter Iska that was signed by the company directors and is presently held in the company’s offices.
14.1.Whenever you make use of a feature that allows you to upload content to our site, or to make contact with other users of our site, you may use our site only for lawful purposes. You may not use our site:
(a)In any way that breaches any applicable local, national or international law or regulation.
(b)In any way that is unlawful or fraudulent, or has any unlawful or fraudulent purpose or effect.
(c)For the purpose of harming or attempting to harm minors in any way.
(d)To send, knowingly receive, upload, download, use or re-use any material in breach of any provision of these terms.
(e)To transmit, or procure the sending of, any unsolicited or unauthorised advertising or promotional material or any other form of similar solicitation (spam).
(f)To knowingly transmit any data, send or upload any material that contains viruses, Trojan horses, worms, time-bombs, keystroke loggers, spyware, adware or any other harmful programs or similar computer code designed to adversely affect the operation of any computer software or hardware.
14.2.You also agree:
(a)Not to reproduce, duplicate, copy or re-sell any part of our site in contravention of the provisions of these terms.
(b)Not to access without authority, interfere with, damage or disrupt:
(i)any part of our site;
(ii)any equipment or network on which our site is stored;
(iii)any software used in the provision of our site; or
(iv)any equipment or network or software owned or used by any third party.
(c)You warrant that any such contribution does comply with those standards, and you will be liable to us and indemnify us for any breach of that warranty. This means you will be responsible for any loss or damage we suffer as a result of your breach of warranty.
(d)Any content you upload to our site will be considered non-confidential and non-proprietary. You retain all of your ownership rights in your content, but you are required to grant us and other users of our site a limited licence to use, store and copy that content and to distribute and make it available to third parties. We also have the right to disclose your identity to any third party who is claiming that any content posted or uploaded by you to our site constitutes a violation of their intellectual property rights, or of their right to privacy.
(e)We have the right to remove any posting you make on our site at our reasonable discretion.
14.3.You are solely responsible for securing and backing up your content.
14.4.We are not responsible for viruses and you must not introduce them.
15.1.You are responsible for configuring your information technology, computer programmes and platform to access our site. You should use your own virus protection software.
15.2.You must not misuse our site by knowingly introducing viruses, trojans, worms, logic bombs or other material that is malicious or technologically harmful. You must not attempt to gain unauthorised access to our site, the server on which our site is stored or any server, computer or database connected to our site. You must not attack our site via a denial-of-service attack or a distributed denial-of service attack. By breaching this provision, you would commit a criminal offence under the Computer Misuse Act 1990. We will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use our site will cease immediately.
16.1.You may link to our home page, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it.
16.2.You must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part where none exists.
16.3.You must not establish a link to our site in any website that is not owned by you.
16.4.Our site must not be framed on any other site, nor may you create a link to any part of our site other than the home page.
16.5.We reserve the right to withdraw linking permission without notice.
16.6.The website in which you are linking must comply in all respects with the content standards set out in these terms.
18. Open Banking
18.1.For allowing users to users to link their bank accounts in order to reconcile property income/expense transactions Lendlord uses Plais API. Lendlord is an agent of Plaid Financial Ltd., an authorised payment institution regulated by the Financial Conduct Authority under the Payment Services Regulations 2017 (Firm Reference Number: 804718). Plaid provides you with regulated account information services through Lendlord as its agent.