Terms & Conditions
Thank you for visiting JustLogbookLoan
Please read these terms & conditions before using our site, and if you do not accept these terms & conditions, please do not use the site.
JustLogbookLoan is a trading name of Kamicom Ltd, Registered Office: 20-22 Wenlock Road, London, N1 7GU which is registered in England and Wales – company number 07344936. We are authorised and regulated by the Financial Conduct Authority to conduct consumer credit broking activities, and our reference number on the Financial Services Register is 631754. We are licensed by the Information Commissioner’s Office (the UK data protection watchdog) to act as a data controller. Our Data Protection licence reference number is ZA098851.
We are a credit broker. We introduce customers to other parties for the purposes of assisting them to obtain credit, but we do not lend money ourselves and we do not make decisions as to whether to lend money to individual applicants.
We are not an agent of any particular lender, and do not endorse the services any particular lender or lenders.
Our services include, but are not limited to, marketing credit products offered by other companies, and introducing customers to providers of credit.
Customers are invited to complete a loan application form, which will then be passed to providers of credit.
We do not guarantee that any particular applicant will be successful in obtaining a loan.
We do not charge applicants a fee for using our broker services.
JustLogbookLoan will not be a party to any credit agreement you may enter into with a lender.
Examples of repayment costs are given on our site purely for information purposes, and these should not be regarded as an indication of how much any lender would charge were they to approve your application.
The information on our site does not constitute financial advice. If you wish to receive advice, it is recommended you consult an authorised financial adviser.
By completing an application form, you authorise JustLogbookLoan to pass your application details to credit reference agencies who will provide information about your previous credit history in order to assist lenders in deciding whether to grant credit to you. Credit reference agencies are likely to assess not only your personal data, but also that of any spouse or partner or anyone else with whom you have a financial connection.
Access to our site
Access to our website is permitted on a temporary basis only.
We are permitted to amend or withdraw our website without notice. We also reserve the right to restrict access to our site, or to parts of our site.
We cannot be held liable if access to our site is not available at any time.
If you have a username and/or password for accessing parts of our site, this information must be treated as confidential and not disclosed to any third party. Should you breach any of these terms & conditions, we reserve the right to disable your access to our site.
You are responsible for ensuring that every individual who accesses our site via your internet connection is aware of these terms & conditions, and complies with them.
This site, its content, any materials downloaded and all intellectual property pertaining to or contained on the site (including but not limited to copyrights, patents, database rights, graphics, designs, text, logos, trade dress, trademarks and service marks) are owned by JustLogbookLoan or other third parties. All rights, title and interest therein shall remain the property of JustLogbookLoan and/or such third parties. All content and intellectual property is protected by copyright, patent and trademark laws, and other intellectual property rights and unfair competition laws.
Logos, trademarks, images, etc. are the property of JustLogbookLoan unless stated otherwise, and may not be copied, used, linked, disseminated, etc. without our express prior written approval. Such requests for approval should be made in writing to: Kamicom Ltd, 20-22 Wenlock Road, London, N1 7GU.
You are only permitted to view and copy any of the pages of this site for your own personal use, and not for commercial use. You are also permitted to view and copy relevant documents, images or other materials on this site for the sole purpose of transacting business with JustLogbookLoan.
You agree that you will not duplicate, publish, modify, create derivative works from, participate in the transfer of, post on the World Wide Web, or in any way distribute or exploit our site, or any portion of our site for any public or commercial use without our express written consent.
You agree that you will not (i) remove or alter any author, trademark or other proprietary notice or legend displayed on our site (or printed pages produced from our site); and (ii) make any other modifications to any documents obtained from our site other than in connection with completing information required to transact business with JustLogbookLoan.
You must not knowingly introduce viruses, trojans, worms, logic bombs or other material which 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.
A breach of this provision would constitute a criminal offence under the Computer Misuse Act 1990. The breach will be reported 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 access our site will terminate with immediate effect.
We will not be liable for any loss or damage caused by a distributed denial-of-service attack, viruses or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of our site or to your downloading of any material posted on it, or on any website linked to it.
By using our site, you acknowledge and agree that internet transmissions of information can never be guaranteed to be completely private or secure. You understand that any data or communication you submit via our site may be read or intercepted by others. JustLogbookLoan will however make every effort to prevent such events occurring.
We cannot provide any guarantees, conditions or warranties as to the accuracy of any of the information on this site. To the extent permitted by law, JustLogbookLoan and third parties connected to us hereby expressly exclude:
- All conditions, warranties and other terms which might otherwise be implied by statute, common law or the law of equity
- Any liability for any direct, indirect or consequential loss or damage incurred by any user in connection with our site or in connection with the use, inability to use, or results of the use of our site, any websites linked to it and any materials posted on it, including:
- loss of income or revenue
- loss of business
- loss of profits or contracts
- loss of anticipated savings
- loss of data
- loss of goodwill
- wasted management or office time
- whether caused by tort (including negligence), breach of contract or otherwise, even if foreseeable, provided that this condition shall not prevent claims for loss of or damage to your tangible property or any other claims for direct financial loss that are not excluded by any of the categories set out above.
This does not affect our liability for death or personal injury arising from our negligence, nor our liability for fraudulent misrepresentation or misrepresentation as to a fundamental matter, nor any other liability which cannot be excluded or limited under applicable law.
By using this site, you agree to defend, indemnify, and hold harmless JustLogbookLoan from and against any and all losses, claims, damages, costs and expenses (including reasonable legal and accounting fees) that JustLogbookLoan may become obligated to pay arising or resulting from your use of our site, its content or any breach by you of these Terms & Conditions. JustLogbookLoan reserves the right to assume or participate, at your expense, in the investigation, settlement and defence of any such action or claim.
Linking to and from the site
If this site contains links to third party websites, then JustLogbookLoan will not be held responsible for the content or privacy policies of those sites. The existence of any link to a third party website does not mean that JustLogbookLoan has endorsed or recommended those sites or any of products or services offered on those sites by any party associated with those sites.
If you wish to establish a link to our home page from a site whose content you have control over, this must be done in such a way that does not damage our reputation or take advantage of it. The link must not in any way suggest any form of association between JustLogbookLoan and yourself, where none exists, or suggest any approval or endorsement of your site by JustLogbookLoan. We reserve the right to withdraw this permission without notice.
You must be the legal owner of any site from which a link to our home page is established.
Our site must not be framed on any other site.
You may not create a link to any page of our site other than the home page.
The products and services advertised on this site are intended for persons aged 18 or over. Nothing on our site should be construed as an invitation to purchase any of our products or services by individuals under the age of 18.
Your use of the site and these terms & conditions are subject to the Laws of England and Wales. The courts of the England and Wales legal system have exclusive jurisdiction of any disputes that may arise under or in connection with these Terms & Conditions.
These Terms & Conditions, and the law of England and Wales, shall apply regardless of the country in which the site is accessed.
Any failure by JustLogbookLoan to exercise its rights under these Terms & Conditions, or any failure to enforce any of these Terms & Conditions shall not constitute a waiver of the relevant terms.
If any part of these Terms & Conditions is ruled to be invalid or unenforceable to any extent, the remainder of these Terms & Conditions, and our ability to enforce them, shall not be affected in any way.
If you wish to make a complaint, please write to us at: Kamicom Ltd, 20-22 Wenlock Road, London, N1 7GU; or telephone us on 0844 587 5847. We promise to investigate your complaint fully and fairly, and to offer monetary or other appropriate compensation should our actions have resulted in detriment to yourself.
If you are dissatisfied with our resolution of your complaint, you have the right to refer it to the Financial Ombudsman Service. This must be done within six months of the date of our ‘final response’ – the letter explaining whether we are accepting or rejecting the complaint. Their address is: The Financial Ombudsman Service, Exchange Tower, London E14 9SR; and their telephone number is 020 7964 1000.