Legal

Please read these terms of use carefully.  For the purposes of these terms, ''we/our/us'' means Provident Financial plc.

Together with our privacy policy, they govern our relationship with you in relation to this web site. If you have any comments or questions about our web site terms of use, please contact us at enquiries@providentfinancial.com or write to us at Provident Financial plc, No. 1 Godwin Street, Bradford, BD1 2SU.

We may change these terms of use or our privacy policy at any time by updating this page. Please check this page from time to time to review these terms of use to ensure you are happy with any changes. Using or accessing this web site indicates your acceptance of these terms of use. If you do not accept these terms, please do not continue to use this web site.

Information about us

We are Provident Financial plc, a company registered in England and Wales at Companies House. Our registered office is at No. 1 Godwin Street, Bradford, BD1 2SU and our registered number is 00668987. Our VAT number is 180555952.

You can contact us by email at enquiries@providentfinancial.com or by telephone on 01274 351135.

The web site to which these terms of use apply and for which we are responsible is www.providentfinancial.com.

Ownership

Unless otherwise indicated, this website and its design, text, content, selection and arrangement of elements, organisation, graphics, design, compilation, magnetic translation, digital conversion and other matters related to this website ("Elements") are protected under applicable copyrights, trademarks and other proprietary (including, but not limited to, intellectual property) rights and are the property of Provident Financial plc are included with the permission of the rights owner and are protected pursuant to copyright and trademark laws. The posting of any such Elements on this website does not constitute a waiver of any right in such Elements. You do not acquire ownership rights to any such Elements viewed through this website. Except as otherwise provided herein, none of these Elements may be used, copied, reproduced, distributed, republished, downloaded, modified, displayed, posted or transmitted in any form or by any means, including, but not limited to, electronic, mechanical, photocopying, recording, or otherwise, without our express prior written permission. Permission is hereby granted to the extent necessary to lawfully access and use this website and/or information, materials, products and/or services available on it to display, download, archive and print in hard copy, portions of this website, provided you do not modify the Elements and that you retain any and all copyright and other proprietary notices contained in the Elements. This permission terminates automatically if you breach any of these terms.

Licence and Site Access

Provident Financial plc grants you a limited licence to access and make personal use of this website and not to download (other than page caching) or modify it, or any portion of it, except with express written consent of Provident Financial plc. This licence does not include any right to resell or make commercial use of this website or its contents; any right to make derivative use of this site or its contents; or any right to use data mining, robots or similar data gathering and extraction tools. This website or any portion of this website including its contents may not be reproduced, duplicated, copied, sold, resold, visited, linked to or otherwise exploited whether for any commercial purpose or otherwise without express written consent of Provident Financial plc.

Your use of this web site and our intellectual property rights

We have made this web site available to you for your non-commercial use.  We may modify, withdraw or deny your access to this web site at any time.

This web site and all the materials contained in it are protected by intellectual property rights, including copyright, and either belong to us or are licensed to us to use. Materials include, but are not limited to, the design, layout, look, appearance, graphics, documents, on the web site, as well as other content such as articles, reports, presentations, stories, logos, trademarks (registered or unregistered) and other text.

You may not copy, redistribute, republish, modify or otherwise make the materials on this web site available to anyone else without our consent in writing.

You may print or download materials from this web site for your non-commercial use or copy the content to other individuals for their personal information provided that:

  • no materials are modified in any way
  • no graphics are used separately from accompanying text
  • our copyright and trademark notices appear in all copies and you acknowledge this web site as the source of the material
  • the person to whom you are providing these materials is made aware of these restrictions

Our liability to you

These terms of use do not exclude our liability (if any) to you for:

  • personal injury or death resulting from our negligence
  • fraud
  • any matter which it would be illegal for us to exclude or to attempt to exclude our liability

We do not guarantee that this web site will be compatible with all or any hardware and software which you may use. We do not guarantee that this web site will be available all the time or at any specific time. We reserve the right to withdraw or modify this web site at any time.

We are only liable to you for losses which you suffer as a result of a breach of these terms by us. We are not responsible to you for any losses which you may incur which were not a foreseeable consequence of us breaching these terms and conditions, for example if you and we could not have contemplated those losses before or when you access this web site.  Our liability to you shall not in any circumstances include any business losses that you may incur, including but not limited to lost data, lost profits or business interruption.

Information on this web site

The information contained on this web site is given for general information and interest purposes only. While we try to ensure the information contained on the web site is accurate and up to date, we cannot be responsible for any inaccuracies in the information. As a result, you should not rely on this information, and we recommend that you take further advice or seek further guidance before taking any action based on the information contained on this web site.

Nothing on this web site constitutes the provision of, or an offer to provide, financial, investment, tax, legal, professional or other advice in any way. Nothing on this web site should be taken as an invitation to or a recommendation to buy, sell, underwrite or subscribe for or hold any securities in Provident Financial plc or any of its products or services.

Nothing on this web site should be regarded as being a financial promotion for any securities in Provident Financial plc or any of its products or services. However, please note that the price of securities and other investments, and the income from them, can go down as well as up, and you may lose your original investment, and that past performance is not necessarily a guide to future performance.

The content of this web site is for information only and is not tailored for any particular investor. You should not rely on it; you should rely on your own judgement before making any investment and on all publicly available information and if you are in doubt about what to do you should seek independent advice before making any investment decisions.

Our liability to you as explained above remains unaffected by this.

Linking

We may link to other web sites which are not within our control. We are not responsible for these web sites in any way and do not endorse them. It is your responsibility to check the terms and conditions and privacy policy on any other web site which you visit.

You may not link to this web site from another web site without our consent in writing.

Contracting online

Nothing on this web site is intended to be nor should be construed as an offer to enter into a contractual relationship with you or anyone else, except for these terms and conditions which govern the relationship between us in relation to your use of the web site.

If you make a contract with a third party who is named or referred to on this web site, it is your responsibility to ensure that you are comfortable with the terms of that contract and to take legal advice if necessary.

Governing Law and Jurisdiction

The formation, existence, construction, performance, validity and all aspects whatsoever of these terms or of any term of these terms of use will be governed by the law of England.

The English courts will have exclusive jurisdiction to settle any disputes which may arise out of or in connection with these terms or use of the web site.