Please read this carefully. This sets out the conditions which govern your use of this website and of any material that may be made available. Only use this website if you agree to the following conditions.
Use Of This Website
Any products or services you apply for from this Website will be covered by separate terms and conditions identified at the time.
Please note that we make this Website available to you at our discretion and as such we may terminate your access at any time without notice.
You must not misuse our Website 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 Website, the server on which our Website is stored or any server, computer or database connected to our Website. 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. In the event of such a breach, your right to use our Website will cease immediately.
You are responsible for configuring your information technology, computer programmes and platform in order to access our Website. You should use your own virus protection software.
Access To Website
Unless otherwise specified, the information on the Website is directed solely at those who access the Website from the United Kingdom and at those who are United Kingdom residents. We cannot therefore guarantee that this Website or the information held within this Website is appropriate for places other than in the United Kingdom.
On the Website you may be offered various links to other websites, which we hope you will be interested in and enjoy. Any link is not intended to be, nor should be construed as, an endorsement of any kind by us of that other website. We are not responsible for the protection and privacy of any information, which you provide whilst visiting other websites, and our Privacy Statement does not govern such sites. We cannot control the content or the security of any third party websites, and we do not accept any responsibility for the content of any sites not owned or operated by Secure Trust Bank Group. Linking to such websites is done at your own risk and we make no representations as to the websites' content.
You may not create a link to this website from another website or document without our prior written consent.
Nothing on this Website is intended to be nor should be construed as an offer to enter into a contractual relationship, and nothing contained in the Website shall form a contract or part of a contract other than as expressly provided in these Website Terms and Conditions.
If you choose, or you are provided with, a customer code, 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.
We have the right to disable any user identification code or password, whether chosen by you or allocated by us, at any time, if in our reasonable opinion you have failed to comply with any of the provisions of these Website Terms and Conditions.
Our aim is to please but we know that sometimes things go wrong. If you have a problem, we want to know. Our staff will be happy to help you either on the telephone or in writing. Should you need to write to us, please address your complaint to V12 Retail Finance, 25-26 Neptune Court, Vanguard Way, Cardiff, CF24 5PJ or you can contact our Customer Resolutions Team by email at
General Consumer Information
Our staff can provide more detailed information and answer your questions about V12 Retail Finance products and services. If you would like more general information, the Financial Conduct Authority (FCA), the financial services watchdog, provides a range of free consumer booklets and fact sheets and a Consumer Helpline. Visit their website at http://fca.org.uk/consumers. The FCA can only give general information and cannot recommend the products of any company.
All information, design, text, graphics and the selection or arrangement thereof is copyright owned by or licensed to us or third parties associated in the appearance of the Website. You may copy electronically and print in hard copy portions of the Website solely for the non-business related purpose of using the Website to seek information of the kind shown by the Website. Any other use of materials on the Website (including reproduction for purposes other than those noted above and amendment, updating, distribution or re-publication) without our prior written permission is forbidden. Our status (and that of any identified contributors) as the authors of content on our Website must always be acknowledged. If you use any part of the content on our Website for commercial purposes without obtaining a licence to do so from us, or our licensors, in breach of these Website Terms and Conditions, your right to use our Website will cease immediately and you must, at our option, return or destroy any copies of the materials you have made.
Secure Trust Bank PLC owns the various trade marks displayed on the Website, including Secure Trust Bank, V12 and Moneyway logos. All trade marks, product names and company names or logos cited herein are the property of Secure Trust Bank PLC. No permission whatever is given by us in respect of the use of any such trade marks, product names, company names, logos or titles and such use may constitute compromising of these rights.
Legal Exclusions and Limitations
While we take every care to ensure that the standard of the Website remains high and to maintain the continuity of the Website, the Internet is not a stable medium and errors, omissions, interruptions of service and delays may occur at any time. As a result, we do not accept any ongoing obligation or responsibility to operate the Website (or any particular part of it) or to provide the services offered on the Website.
The information given on the Website is given in good faith and for general information and interest only. It is subject to change without notice. We make no representations or warranties about the accuracy, completeness, freedom from viruses, availability, reliability or suitability for any purpose of the information and related graphics published on the Website (including all texts, advertisements, links or other items) which may contain technical inaccuracies and typographical errors. We and all content providers and contributors to the Website disclaim and exclude to the fullest extent permitted by law all liability for any loss or damage whatsoever whether arising in tort, contract, equity or otherwise and arising out of or in relation to or in connection with your access to or use of or inability to use the Website and accept no liability in connection with any virus, defect, error, omission, or system failure associated with the connection to this website or any links to third party sites.
We are not providing any legal, accounting or any other professional advice or opinion on specific facts or matters and (other than in the case of fraudulent misrepresentations and representations expressly made in these Website Terms and Conditions and in our Privacy Statement) we exclude all representations and offer no warranties to the maximum extent permitted by law. To the maximum extent permitted by law, we (including our directors, officers, employees or agents) will not be liable for damages arising out of or in connection with the use of the Website or the information contained in it. This is a comprehensive limitation of liability that applies to all damage of any kind including (without limitation):
- compensatory damages,
- direct damages
- indirect or consequential damages,
- loss of data,
- loss of income or profit,
- loss of opportunity, and
- loss of or damage to property and third party claims
save that nothing in the Website Terms and Conditions or any content of the Website shall exclude or restrict liability for death or personal injury resulting from our negligence or that of our directors, officers, employees or agents or in any other respect that is prohibited by law.
Different limitations and exclusions of liability will apply to liability arising as a result of the supply of any products or services to you, which will be set out in the relevant terms and conditions provided to you separately.
Where appropriate your statutory rights are not affected by these Website Terms and Conditions.
We shall not be held liable for any breach of these Website Terms and Conditions or any failure to provide or delay in us providing our services through this Website resulting from any occurrence beyond our reasonable control including (without limitation) strikes, lock-outs and other industrial disputes, break-down of systems or network access, fire, explosion or accident failure of any third party telecommunications or service provider.
Should any part of these Website Terms and Conditions be found to be void, unlawful or unenforceable, it shall be deemed severable from the rest of the terms and conditions so that it is not effective to the extent that it shall not affect the validity of the remaining terms and conditions (or parts) of the Website Terms and Conditions, which shall remain valid and enforceable.