terms & Conditions

User Obligations and Conduct

By using the site, you agree to the following obligations:

(a) You will use the site only for lawful purposes and in a manner that does not infringe the rights of, or restrict the use of the site by, any third party.

(b) You will not engage in conduct that is unlawful, or that may harass, distress, or inconvenience anyone.

(c) You will not upload, post, transmit, or distribute any material or information unless you own the intellectual property rights or have the proper authorisation to use it. You will not share any material that is unlawful, harmful, threatening, abusive, defamatory, obscene, or otherwise objectionable or damaging to the reputation of PIVOT Lending Limited (“PIVOT”).

(d) You will not access, interfere with, damage, or disrupt any part of the site, its systems, networks, or equipment, nor attempt to access secure areas using any credentials other than your own username and password.

(e) You will not transmit any data or upload material that contains harmful code, such as viruses, trojans, worms, or spyware, designed to disrupt the operation of any computer or software.

(f) You will use up-to-date virus-checking software when accessing the site.

(g) You will not reproduce, duplicate, copy, or resell any part of the site.

If we reasonably believe that you are violating these terms, Pivot reserves the right to disable your access to the site. Violations of provisions (d) and (e) could result in criminal charges under the Computer Misuse Act 1990, and Pivot will report any such breach to the relevant authorities.

Trademarks

The names and logos that identify the site, Pivot, and its products and services are either proprietary to Pivot for licensed for its use. These terms do not grant you any license to use Pivot’s trademarks or intellectual property, except as specified below regarding copyright.

Copyright

The copyright of all content on the site is owned by Pivot, its subsidiaries, or licensors (unless otherwise noted). Reproduction of any part of the site is prohibited unless permitted by the following terms.

Pivot authorises you to:

(a) View and display the site content; and
(b) Print or download parts of the content for personal use, provided that you do not remove the copyright notice “© 2024 PIVOT, trading name for Pivot Lending Limited” from any printouts or downloads.

You must not modify any printed or downloaded materials or use any accompanying graphics, photos, videos, or audio without the text. Additionally, you cannot incorporate site materials into any other work or publication, whether in physical or electronic form. The site content cannot be distributed or copied for commercial purposes.

Reliance on Information and Property Misdescriptions Act 1991 Disclaimer
Pivot continually develops its products, and all specifications on the site are indicative only. We may make changes to specifications without notice, ensuring the changes provide equal or greater value.

The details provided on the site are intended as preliminary guides and should not be relied upon as definitive descriptions. Photographs or computer-generated images may not represent the actual appearance, finishes, or furnishings at specific developments. Room measurements are approximate, and floor plans, dimensions, and specifications may change.

This site does not constitute part of any contract. For up-to-date information about any development, please contact a Pivot representative. For more information about the Property Misdescriptions Act 1991, email info@pivotfinance.co.uk.

Site Availability

Pivot reserves the right to withdraw or amend the services provided on the site without notice. We are not liable if the site is unavailable for any period. Pivot aims to update the site regularly but is under no obligation to do so. Access to the site may be suspended or terminated at any time.

Disclaimer

While Pivot takes reasonable care in preparing site content, it is provided without any warranties as to its accuracy. To the extent permitted by law, Pivot, its officers, employees, agents, and affiliates exclude:

(a) All conditions, warranties, and other terms implied by statute, common law, or tort law; and

(b) Any liability for loss or damage incurred by users, including loss of income, business profits, or data, regardless of how caused (e.g., negligence, breach of contract).

Pivot cannot guarantee that the site and any files downloaded from it are free from harmful programs, such as viruses. We are not liable for any damages resulting from such programs.

Nothing in this section excludes or limits Pivot’s liability for personal injury or death caused by negligence, fraudulent misrepresentation, or other liabilities that cannot be excluded by law.

user data and privacy

Pivot processes user data in accordance with its privacy policy. By using the site, you consent to this processing and confirm that the data you provide is accurate.

hyperlinks

The site may contain links to third-party sites. These links are provided for informational purposes, and Pivot has no control over the content of these sites. We are not responsible for any loss or damage caused by using them.

general

These terms, along with the privacy policy and any specific terms on the site, represent the entire agreement between you and Pivot regarding the use of the site. If there is any conflict between these terms and other content on the site, these terms will take precedence.

If any provision of these terms is deemed illegal or unenforceable, it will be removed, and the remaining provisions will continue to be valid.

These rights are cumulative and may be waived only in writing. Delays in exercising rights do not constitute a waiver of those rights.

Both parties must comply with all applicable laws.

Neither party will be liable for breach due to events beyond their control, such as natural disasters, terrorism, or power shortages.

Pivot strives to make the site accessible to users with disabilities and welcomes feedback from disabled users. Please contact info@pivotfinance.co.uk for assistance.

variations

Pivot may revise these terms at any time. Please check this page regularly for updates, as changes are binding on you.

Jurisdiction and Applicable Law

Claims arising from your use of the site will be subject to the exclusive jurisdiction of the English & Welsh courts, although Pivot may bring proceedings in your country of residence. These terms are governed by British law.

User Concerns

For any concerns about content on the site, please contact info@pivotfinance.co.uk.