Terms & Conditions

Introduction
 
This Terms and Conditions document explains how Apex Assets and Finance Ltd ("we," "us," or "our") provides services through our website, located at Apex Finance Group ("Website"). These Terms govern your access to and use of our website and all related services, applications, content, and products provided by us (collectively, the "Services").

By accessing or using our Services, you agree to be bound by these Terms. If you do not agree to these Terms, you must not access or use our Services. Please read these Terms carefully before using our Services.

1. Acceptance of Terms

1.1 By accessing our Website or using our Services, you acknowledge that you have read, understood, and agree to be bound by these Terms, as well as our Privacy Policy, which is incorporated by reference.

1.2 You must be at least 18 years old to use our Services. By using our Services, you represent and warrant that you are at least 18 years old and have the legal capacity to enter into these Terms.

1.3 These Terms constitute a legally binding agreement between you and the Company regarding your use of our Services.

2. Services Description

2.1 Our Company provides introduction services to connect potential clients with lenders for various financial products, including but not limited to refurbishment loans, bridging loans, property finance, asset finance, and other financial products as described on our Website.

2.2 We act exclusively as an introducer/broker and do not provide direct lending services. Our role is to facilitate connections between clients and suitable lenders based on specific requirements and circumstances.

2.3 We are not regulated by the Financial Conduct Authority (FCA) or any other financial regulatory body. We do not provide regulated financial advice or engage in regulated financial activities.

3. User Accounts and Registration

3.1 Some portions of our Services may require you to create an account. When registering for an account, you agree to provide accurate, current, and complete information.

3.2 You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You agree to notify us immediately of any unauthorized use of your account.

3.3 We reserve the right to suspend or terminate your account at our discretion if we believe you have violated these Terms or if your continued use of the Services poses
a risk to us or other users.

4. Brokerage Services and Applications

4.1 We do not make lending decisions. All financial products available through our introduction services are subject to the eligibility criteria, credit approval, and requirements set by the respective third-party lenders.

4.2 When using our introduction services, you agree to provide accurate, complete, and up-to-date information. You acknowledge that providing false or misleading information may result in service termination and potential legal consequences.

4.3 We do not guarantee approval for any financial product or service. All lending decisions are made exclusively by the third-party lenders according to their own criteria and policies.

4.4 Any quotes, rates, or terms displayed on our Website are indicative only, provided by third-party lenders, and subject to change. Final terms will be provided in formal offers from lenders following successful application.

5. Fees and Charges

5.1 We may charge introduction or broker fees for our Services as outlined on our Website or as communicated to you during the application process. All fees will be clearly disclosed before you commit to any Service.

5.2 By proceeding with our Services, you agree to pay all applicable fees and charges. Payment terms will be specified in our engagement documentation.

5.3 Fees paid for our Services are generally non-refundable unless otherwise stated or required by applicable law.

5.4 We may also receive commission or other compensation from lenders for successful introductions. This does not affect the cost of the financial product to you, and all such arrangements will be disclosed as required by law.

6. Intellectual Property Rights

6.1 Our Website and all of its content, features, and functionality (including but not limited to text, graphics, images, logos, button icons, data compilations, software, and the design, selection, and arrangement thereof) are owned by the Company, its licensors, or other providers and are protected by copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.

6.2 These Terms grant you a limited, non-exclusive, non-transferable, and revocable license to access and use our Services for their intended purposes. You may not:
 

• Reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any material from our Website except as permitted by these Terms

• Use any illustrations, photographs, video or audio sequences, or any graphics separately from the accompanying text

• Delete or alter any copyright, trademark, or other proprietary notices

• Access or use for any commercial purposes any part of the Website or Services
   

6.3 If you provide suggestions, ideas, feedback, or recommendations regarding our Services ("Feedback"), you grant us an unrestricted, perpetual, irrevocable, non-exclusive, fully-paid, royalty-free right to use the Feedback in any manner and for any purpose without compensation to you.

7. User Responsibilities and Prohibited Activities

7.1 You agree to use our Services only for lawful purposes and in accordance with these Terms. You agree not to:
 

• Violate any applicable law, regulation, or third-party rights

• Provide false, inaccurate, or misleading information

• Attempt to gain unauthorized access to our systems or user accounts

• Interfere with the proper operation of the Website or Services

• Introduce any viruses, trojan horses, worms, or other harmful material

• Use any robot, spider, or other automatic device to access our Website

• Engage in any activity that could disable, overburden, or impair our Services
   

7.2 We reserve the right to monitor your use of our Services to ensure compliance with these Terms.
 
8.Third-Party Links, Services, and Lenders
 
8.1 Our Services may contain links to third-party websites, services, or content that are not owned or controlled by us. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites, services, or lenders.

8.2 We do not endorse, guarantee, or warrant the products or services of any third-party lenders. Your relationship with any lender introduced through our Services will be governed by separate terms and conditions provided by that lender.

8.3 We do not warrant the offerings of any third-party entities and are not responsible or liable for any loss or damage caused by your reliance on information obtained through third-party websites, services, or lenders.

8.4 We strongly advise you to read the terms and conditions and privacy policies of any third-party lenders or services that you engage with through our introduction services.
 
9. Disclaimer of Warranties
 
9.1 Your use of our services is at your sole risk. The services are provided on an "as is" and "as available" basis, without warranties of any kind, either express or implied.

9.2 We expressly disclaim all warranties of any kind, whether express or implied, including but not limited to the implied warranties of merchantability, fitness for a particular purpose, and non-infringement.
 
9.3 We do not warrant that the services will meet your requirements, be error-free, uninterrupted, timely, secure, or that any defects will be corrected.
 
9.4 We do not guarantee the accuracy, completeness, or reliability of any information provided by third-party lenders through our services.
 
9.5 Any material downloaded or otherwise obtained through the use of the services is accessed at your own discretion and risk.
 
9.6 No advice or information, whether oral or written, obtained by you from us or through the services shall create any warranty not expressly stated in these terms.
10. Limitation of Liability
 
10.1 To the fullest extent permitted by applicable law, in no event shall we be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from:
 

• Your access to or use of or inability to access or use the services

• Any conduct or content of any third party or third-party lender

• Any content obtained from the services

• Unauthorized access, use, or alteration of your transmissions or content
   

10.2 Our total liability to you for all claims arising from or relating to these terms or your use of the services shall not exceed the amount paid by you, if any, for accessing or using our services during the twelve (12) months immediately preceding the event giving rise to the liability.
 
10.3 These limitations of liability apply whether the alleged liability is based on contract, tort, negligence, strict liability, or any other basis, even if we have been advised of the possibility of such damage.
 
10.4 Some jurisdictions do not allow the exclusion or limitation of certain damages, so the above limitations may not apply to you.
11. Indemnification
 
11.1 You agree to defend, indemnify, and hold harmless the Company, its affiliates, licensors, and service providers, and its and their respective officers, directors, employees, contractors, agents, licensors, suppliers, successors, and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to:
 

• Your violation of these Terms

• Your use of the Services

• Your violation of any third-party right

• Any information or materials you provide through the Services

• Your interactions with any third-party lenders introduced through our Services
   

12. Modifications to Terms and Services

12.1 We reserve the right to modify or replace these Terms at any time at our sole discretion. The most current version will be posted on our Website with the "Last Updated" date.

12.2 Your continued use of the Services after any such changes constitutes your acceptance of the new Terms. If you do not agree to the revised Terms, you must stop using our Services.

12.3 We may update, change, or discontinue any aspect of our Services at any time without prior notice.
13. Termination

13.1 We may terminate or suspend your access to our Services immediately, without prior notice or liability, for any reason, including without limitation if you breach these Terms.

13.2 Upon termination, your right to use the Services will immediately cease. All provisions of these Terms which by their nature should survive termination shall survive, including without limitation, ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

13.3 You may terminate your agreement with us by discontinuing use of our Services and, if applicable, requesting account deletion.

14. Governing Law and Dispute Resolution

14.1 These Terms shall be governed by and construed in accordance with the laws of the United Kingdom, without regard to its conflict of law provisions.

14.2 Any dispute arising out of or in connection with these Terms, including any question regarding its existence, validity, or termination, shall be referred to and finally resolved by the courts of the United Kingdom.

14.3 You agree that any legal action or proceeding between you and us shall be brought exclusively in the courts located within the United Kingdom.
15. Severability and Waiver

15.1 If any provision of these Terms is held to be invalid, illegal, or unenforceable, such provision shall be modified to the minimum extent necessary to make it valid, legal, and enforceable, or, if not possible, the relevant provision shall be deemed deleted. The remaining provisions shall not be affected.

15.2 No failure or delay by us in exercising any right under these Terms shall operate as a waiver of that right, nor shall any single or partial exercise of any right preclude any other or further exercise of that or any other right.

16. Entire Agreement
 
16.1 These Terms, together with our Privacy Policy and any other agreements expressly incorporated by reference herein, constitute the entire agreement between you and us concerning your use of our Services and supersede all prior or contemporaneous communications, whether electronic, oral, or written, between you and us regarding your use of our Services.

17. Contact Information
 
17.1 If you have any questions or concerns about these Terms or our Services, please contact us at:
Apex Assets and Finance Ltd
 
info@apexfinancegroup.com

18. Non-Regulated Status Disclosure

18.1 Apex Assets and Finance Ltd is not authorized or regulated by the Financial Conduct Authority (FCA) or any other financial regulatory body.
18.2 We act solely as an introducer/broker connecting potential clients with lenders. We do not provide regulated financial advice, make lending decisions, or engage in regulated financial activities.

18.3 The services we provide are not regulated financial services. This means that you will not have the protection afforded by the Financial Ombudsman Service or the Financial Services Compensation Scheme.

Last Updated: March 30, 2025