Terms and Conditions
THIS WEBSITE IS AN OFFICIAL WEBSITE OF BLACK HORSE LIMITED ("we" or "us").
YOU SHOULD READ THESE TERMS AND CONDITIONS ("TERMS") CAREFULLY BEFORE USING
THIS WEBSITE. USING THE WEBSITE INDICATES THAT YOU ACCEPT THESE TERMS. IF YOU DO
NOT ACCEPT THESE TERMS, DO NOT USE THE WEBSITE.
Please note these Terms changed on 26 April 2014. We may revise these Terms
at any time and you should periodically check the website to review the then current
Terms because they are binding on you. Certain provisions of these Terms may be
superseded by expressly designated legal notices or terms located on particular
pages of the website.
Who can use this site
The products and services described on this website are ONLY available to you if
you are resident in and access the site from within the UK (excluding Channel Islands
and Isle of Man). Certain areas of the website are only open to existing customers.
1. SERVICE ACCESS
While the website is normally available 24 hours a day, certain services provided
through the website may not be available 24 hours a day, and we shall not be liable
if for any reason the website is unavailable at any time. Access to the website
may be suspended temporarily and without notice in the case of system failure, maintenance
or repair or for reasons beyond our control.
This website is here to give you information about our products and services. It
is up to you to decide whether they are suitable for you. You may want to get advice
about this from an independent financial advisor.
The information on the website may not tell you all you need to know, and you can
ask us or an independent financial advisor for more details.
Though we try and keep the information up to date, there may be a time delay before
we can do so. You should not rely solely on the information on this website. You
should check details about important things like price or interest rates in any
actual agreement you sign as it is the terms in that document that form the agreement
3. COPYRIGHTS, TRADE MARKS AND COPYING MATERIALS ON THIS SITE
We own (or have full licence for) all copyrights for this website and all trade
marks and other materials used on it. You may use anything on this website only
for your personal information and for this purpose you may print, copy, download
or temporarily store extracts from this website. You must not alter anything. Any
other use is prohibited unless you first get our written permission. In particular,
no part of the website may be reproduced or stored in any other website or included
in any public or private electronic retrieval system or service without our prior
written permission. If you breach any of these Terms, your permission to use the
website automatically terminates and you must immediately destroy any downloaded
or printed extracts from the website.
Any rights not expressly granted in these Terms are reserved.
4. EXCLUSIONS OF OUR LEGAL LIABILITY
The website only complies with UK laws. You should only use it from the UK. The
products and services on it are only available to you if you are a UK resident.
You may not always be able to access this website. We are not responsible for any
losses if you cannot do so (for example if you cannot obtain a product at a stated
price). We are not responsible if the means of communication you use to access the
website or to send us information about yourself or to receive information from
us does not work properly.
As we explained above, the information on this website may not always be quite up
to date or complete. We advise you to check it carefully before you agree to buy
a product or service, and we are not responsible for any losses you suffer if you
fail to do so unless what we put on the website was incorrect or misleading (and
provided the correct information was not provided to you or made available before
you completed your purchase).
We are not liable for losses or costs caused by abnormal and unforeseeable circumstances
outside our reasonable control, which would have been unavoidable despite all efforts
to the contrary, for example delays or failures caused by industrial action, problems
with another system or network, third party viruses or malware, mechanical breakdown
or data-processing failures.
5. LAW AND JURISDICTION
This site and these Terms are governed by English law. Any disputes arising from
this site shall be resolved by the English courts unless you can show you accessed
the site from Scotland in which case the Scottish courts may be used and Scottish
law may apply.