We are committed to safeguarding the privacy of our website visitors; this policy sets out how we will treat your personal information.
These terms and conditions govern your use of our website; by using our website, you accept these terms and conditions in full. If you disagree with these terms and conditions or any part of these terms and conditions, you must not use our website.
2. Licence to use website
Unless otherwise stated, we or our licensors own the intellectual property rights in the website and material on the website. Subject to the licence below, all these intellectual property rights are reserved.
You may view, download for caching purposes only, and print pages or documents from the website for your own personal use, subject to the restrictions set out below and elsewhere in these terms and conditions.
You must not:
- Republish material from this website (including republication on another website). Sell, rent or sub-licence material from the website.
- Show any material from the website in public.
- Reproduce, duplicate, copy or otherwise exploit material on our website for a commercial purpose.
- Edit or otherwise modify any material on the website; or redistribute material from this website.
3. Acceptable use
You must not use our website in any way that causes, or may cause, damage to the website or impairment of the availability or accessibility of the website; or in any way which is unlawful, illegal, fraudulent or harmful, or in connection with any unlawful, illegal, fraudulent or harmful purpose or activity.
You must not use our website to copy, store, host, transmit, send, use, publish or distribute any material which consists of (or is linked to) any spyware, computer virus, Trojan horse, worm, keystroke logger, rootkit or other malicious computer software.
You must not conduct any systematic or automated data collection activities (including without limitation scraping, data mining, data extraction and data harvesting) on or in relation to our website without our express written consent.
You must not use our website to transmit or send unsolicited commercial communications.
4. Restricted access
Access to certain areas of our website is restricted. We reserve the right to restrict access to areas of our website, or indeed our whole website, at our discretion.
If we provide you with a user ID and password to enable you to access restricted areas of our website or other content or services, you must ensure that that user ID and password is kept confidential.
We may disable your user ID and password in our sole discretion without notice or explanation.
5. User generated content
In these terms and conditions, “your user content” means material (including without limitation text, images, audio material, video material and audio-visual material) that you submit to our website, for whatever purpose.
You grant to us a worldwide, irrevocable, non-exclusive, royalty-free license to use, reproduce, adapt, publish, translate and distribute your user content in any existing or future media. You also grant to us the right to sub-licence these rights, and the right to bring an action for infringement of these rights.
Your user content must not be illegal or unlawful, must not infringe any third party’s legal rights, and must not be capable of giving rise to legal action whether against you or us or a third party (in each case under any applicable law).
You must not submit any user content to the website that is or has ever been the subject of any threatened or actual legal proceedings or other similar complaint.
We reserve the right to edit or remove any material submitted to our website, or stored on our servers, or hosted or published upon our website.
Notwithstanding our rights under these terms and conditions in relation to user content, we do not undertake to monitor the submission of such content to, or the publication of such content on, our website.
6. Limited warranties
Whilst we endeavor to ensure that the information on this website (excluding user content) is correct, we do not warrant its completeness or accuracy, nor do we commit to ensuring that the website remains available or that the material on the website is kept up-to-date.
To the maximum extent permitted by applicable law we exclude all representations, warranties and conditions relating to this website and the use of this website (including, without limitation, any warranties implied by law of satisfactory quality, fitness for purpose and/or the use of reasonable care and skill).
7. Limitations of liability
Nothing in these terms and conditions (or elsewhere on our website) will exclude or limit our liability for fraud, for death or personal injury caused by our negligence, or for any other liability which cannot be excluded or limited under applicable law.
Subject to this, our liability to you in relation to the use of our website or under or in connection with these terms and conditions, whether in contract, tort (including negligence) or otherwise, will be limited as follows:
To the extent that the website and the information and services on the website are provided free-of-charge, we will not be liable for any loss or damage of any nature.
We will not be liable for any consequential, indirect or special loss or damage.
We will not be liable for any loss of profit, income, revenue, anticipated savings, contracts, business, goodwill, reputation, data, or information.
We will not be liable for any loss or damage arising out of any event or events beyond our reasonable control.
Our maximum liability in relation to any event or series of related events will be limited to £1.00 (one).
You hereby indemnify us and undertake to keep us indemnified against any losses, damages, costs, liabilities and expenses (including without limitation legal expenses and any amounts paid by us to a third party in settlement of a claim or dispute on the advice of our legal advisers) incurred or suffered by us arising out of any breach by you of any provision of these terms and conditions, or arising out of any claim that you have breached any provision of these terms and conditions.
9. Breaches of these terms and conditions
Without prejudice to our other rights under these terms and conditions, if you breach these terms and conditions in any way, we may take such action as we deem appropriate to deal with the breach, including suspending your access to the website, prohibiting you from accessing the website, blocking computers using your IP address from accessing the website, contacting your internet service provider to request that they block your access to the website and/or bringing court proceedings against you.
We may revise these terms and conditions from time-to-time. Revised terms and conditions will apply to the use of our website from the date of the publication of the revised terms and conditions on our website. Please check this page regularly to ensure you are familiar with the current version.
We may transfer, sub-contract or otherwise deal with our rights and/or obligations under these terms and conditions without notifying you or obtaining your consent.
You may not transfer, sub-contract or otherwise deal with your rights and/or obligations under these terms and conditions.
If a provision of these terms and conditions is determined by any court or other competent authority to be unlawful and/or unenforceable, the other provisions will continue in effect. If any unlawful and/or unenforceable provision would be lawful or enforceable if part of it were deleted, that part will be deemed to be deleted, and the rest of the provision will continue in effect.
13. Exclusion of third party rights
These terms and conditions are for the benefit of you and us, and are not intended to benefit any third party or be enforceable by any third party. The exercise of our and your rights in relation to these terms and conditions is not subject to the consent of any third party.
14. Entire agreement
15. Law and jurisdiction
These terms and conditions will be governed by and construed in accordance with English law, and any disputes relating to these terms and conditions will be subject to the exclusive jurisdiction of the courts of England and Wales.
16. Our details
The full name of our company is New Wave Capital Limited, our trading name is Capital on Tap, which is a registered trademark with the UK Intellectual Property Office, under registration number 07959823.
Our registered address is No.1 London Bridge, London, England, SE1 9BG.
Our trading address is 43 Worship Street, Ground Floor, EC2A 2DU.
We are a limited company, registered in England and Wales with the company registration number 07959823.
Our data protection registration number is Z3240266.
New Wave Capital Limited are regulated by the Financial Conduct Authority (FCA) license number 625592.
If you are a sole trader or an unincorporated partnership with less than four partners, you should read the following, FCA required, statement: Warning: Late repayment can cause you serious money problems. For help, go to www.moneyadviceservice.org.uk.
You can contact us by email to firstname.lastname@example.org or call us on 0208 962 7401.
New Wave Capital Limited, trading as Capital on Tap, is committed to transparency and publishes details of complaints to the Financial Conduct Authority.
Our promise to you
Our complaints procedure is designed to ensure that each complaint is dealt with fairly and to your satisfaction. All complaints can be raised by either:
- calling 0208 962 7401;
- written via email: email@example.com; or
- sent by post to 43 Worship Street, Ground Floor, EC2A 2DU.
We are committed to resolving complaints promptly and we will attempt to resolve your complaint within eight weeks of receipt. In the unlikely event that we are unable to resolve your complaint with eight weeks, we will provide you with details of how to refer your complaint to the Financial Ombudsman Service. The Financial Ombudsman Service is an independent service for consumers with unresolved complaints about financial firms and offers a flexible and informal dispute resolution service. You can contact them at: The Financial Ombudsman Service South Quay Plaza 183 Marsh Wall London or E14 9SR, telephone: 0845 080 1800, or via email Email: firstname.lastname@example.org. For more information visit: Website: www.financial-ombudsman.org.uk.