Terms & Conditions
Our Terms & Conditions outline the services we provide and governs the use of our website (https://www.ponte.finance) (our Site). We recommend that you read them to make sure you know your rights and our rules for using our Site. If there is anything in this document that you are unsure about, please do not hesitate to contact us.
This version was last updated on 14 June 2020 and historical versions are archived and can be obtained by contacting us.
What's in these terms?
These terms inform you of who Ponte Finance is, how to use our Site, what services we provide, what to do if you have an issue with our Site and other important information.
About Us and How to Contact Us
Ponte is a trading style of Ponte Finance Limited. We provide software and carry out brokerage services.
Ponte Finance Limited is registered in England and Wales, under company number 12238417. Our registered office is IDEALondon, 69 Wilson Street, London, EC2A 2BB. Our VAT number is GB344539782.
If you have any questions about these Terms and Conditions, or any other aspect of our Site please write to us at; Ponte Finance Limited, IDEALondon, 69 Wilson Street, London, EC2A 2BB or email us at email@example.com.
Who can use our Site
If you are in the UK, you must be over the age of 18 to use our Site (or under 18 if you are supervised by a parent or guardian).
By using our Site you accept these Terms
By using our Site, you confirm that you accept these terms and that you agree to comply with them.
If you do not agree to these terms, you must not use our Site.
We recommend that you print a copy of these terms for future reference.
Service we offer
Through our Site we offer a range of unsecured personal loans and bridging loans from a panel of lenders. We also utilise a live chat function on our Site, in order to provide you with more details of the services we offer.
The accuracy of the loan/secured loan quotes depends upon the accuracy of the information you have provided. Ponte and the lenders on the panel will conduct checks to verify the accuracy of the information you have provided. If information you have provided changes as a result of these checks, the original offer may be changed or withdrawn.
The expected time periods from submitting your application to receiving your loan/secured loan funds are only a guide. Any delay in the returning of your loan documents, proof of income or identification and/or delays with any third party we or the lender need to contact in order to process your application, may result in your application taking longer to complete.
Your use of our Site
This Site is owned by Ponte and is protected by copyright and database rights. You acknowledge that all trademarks (registered or unregistered), pictures, layout and other content used in providing this service shall remain the property of Ponte at all times.
You shall not copy, adapt, exploit or otherwise use the information contained on this Site in any way, save for the downloading and temporary storage of one or more of these pages for the purpose of viewing on a personal computer or terminal, provided that you do not delete any copyright and other proprietary notices contained therein.
We make no assurances that your use of this Site will not infringe the rights of third parties.
Ponte reserves the right to refuse access to this Site or any component of it. We may at any time, at the discretion of the Site’s management, refuse access to certain areas of this Site to any individual it chooses – this refusal of access may take whatever form the management deem suitable.
This Site is controlled and operated by Ponte from the United Kingdom. Ponte makes no assurances that materials in this Site are appropriate or available for use in other locations. Those who choose to access this Site from other locations do so at their own risk and are responsible for compliance with any and all local laws, if and to the extent local laws are applicable. No material from this Site may be downloaded, exported or re-exported into (or to a national or resident of) any countries that are subject to UK exporting restrictions/legal or socio-economic sanctions.
You agree that you will not use our Site to commit or encourage any criminal offence, including but not limited to harming a minor in any way and stalking or harassing another, and that you will not try to make money from our Site or ask anyone to pay you to use our Site.
We are not responsible for any website we link to
Where our Site contains links to other sites and resources provided by third parties, these links are provided for your information only. If you leave our Site, whether or not you realise that you are leaving, we are no longer in any way responsible for the material on the other website that you enter. Such links should not be interpreted as approval by us of those linked websites or information you may obtain from them.
We have no control over the contents of those sites or resources. In order to be safe, we recommend that you read any terms and conditions for these websites and resources.
Our responsibility for loss or damage suffered by you
The information that is made available on our Site and via our live chat service is intended for general information purposes only and is provided on an ‘as is’ basis without any warranties of any kind. In case you suffer any loss when you do use our Site, Ponte, its contractors, agents or employees are not responsible to you in any way for:
any losses that you suffer from your use or inability to use the Site;
any losses that you suffer if you use the Site for non-personal use;
any loss of revenue, profit, business or sales that you suffer; or
any losses which are not foreseeable or are not obvious when you use the Site.
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.
If you are a consumer user 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.
Rules about linking to our Site
You may link to our Site, provided that you do so fairly and legally, and you do not damage our reputation. You may not link to our Site in a way that suggests Ponte knows or endorses you. You can only link from a website that you own.
If we don't like the way you've linked to our Site, we can instruct you to remove the link and you must comply.
We do not guarantee that our Site will be secure or free from bugs or viruses
We cannot promise that our Site, or any content on it, will always be available or be uninterrupted or be bug or virus free. You should therefore make sure you use anti-virus software. We will not be responsible to you for anything that happens if you can't access our Site.
You agree that you will not use our Site to: a) insert or knowingly or recklessly transmit or distribute a virus, worm, trojan horse, time bomb, trap door or any other computer code, files or programs or repetitive requests designed to interrupt, destroy or limit the functionality of any computer software or hardware or telecommunications equipment or to diminish the quality of, interfere with the performance of or impair the functionality of this Site; including carrying out any hacking activity or web crawling; b) circumvent, or attempt to seek to circumvent, any of the security safeguards of this Site; c) 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; d) permit any third party to do any of the above.
By breaching the above provisions you would commit a criminal offence under the Computer Misuse Act 1990. Should you breach any of the above provisions 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.
While we try and ensure that all information on this Site is accurate and up to date, errors may occur and we accept no liability for such errors. If we discover an error we will amend the Site as soon as reasonably possible.
You have sole responsibility for adequate protection and backup of data and/or equipment used by you in connection with this Site and will not make a claim against Ponte for lost data, re-run time, inaccurate output, work delays or lost profits resulting from the use of such materials.
There are other rules that may apply to you
These are some other rules, which also apply to your use of our Site:
Our Cookies Policies (https://www.ponte.finance/cookies) (this talks about what cookies we use on our Site).
We may edit these terms from time to time, including making improvements or changes to the products, services and prices detailed on our Site. If we make any substantial changes to our Site we will notify you by posting a prominent announcement on our Site. Please see the date above for when these terms were last updated.
We may give these rules to someone else
We may give our rights or obligations under these terms to another corporate entity.
If we sell Ponte or if another company joins our group in the future these new companies may become a party to these terms.
We will use our best endeavours to let you know if we give our rights or obligations, under these terms, to another company.
Complaints and Feedback
In addition, your opinion is very important to us. Listening to your views helps us develop our company ethos of having customers at the heart of what we do. Please email firstname.lastname@example.org with any feedback you may have or if you would like to make a complaint about our Site.
Law and Jurisdiction
The subject matter and formation of these Terms and Conditions are governed and construed in accordance with the laws of England and Wales, in relation to any dispute. For your protection you agree to submit to the exclusive jurisdiction of the English courts (except if you live in Northern Ireland, you can also go to the courts of Northern Ireland or if you live in Scotland, you can also go to the courts of Scotland).