Terms of Service

1. Introduction

Welcome to simmonsfinreferrals.com, operated by SIMMONS FINANCIAL REFERRALS LTD ("we", "us", or "our"). These Terms of Service ("Terms") govern your access to and use of our Website and financial referral services (collectively, the "Services"). By using our Website or engaging with our Services, you agree to be bound by these Terms. If you do not agree, please do not use our Website or Services.

2. About Our Services

SIMMONS FINANCIAL REFERRALS LTD is a financial referrals business. We introduce businesses and individuals to third-party lenders, finance providers, and related financial products. Our Services include, but are not limited to:

• Commercial lending and business finance referrals
• Asset and equipment finance introductions
• Trade and invoice finance referrals
• General financial guidance related to funding options

We do not directly provide loans, credit, or regulated financial products. All lending decisions, terms, rates, and conditions are determined solely by the third-party providers to whom we may refer you.

3. Eligibility

You must be at least 18 years of age and have the legal capacity to enter into binding agreements in the United Kingdom to use our Services. By submitting an enquiry, you confirm that you meet these requirements. We reserve the right to decline service at our discretion.

4. Enquiries and Referrals

When you submit an enquiry through our Website or contact us directly, you agree to:

• Provide accurate, current, and complete information
• Update your details promptly if they change
• Authorise us to share relevant information with partner lenders or finance providers for the purpose of facilitating a referral
• Understand that a referral does not guarantee approval of any financial product

5. No Financial Advice

Information provided on our Website and through our referral services is for general informational purposes only. It does not constitute financial, legal, tax, or investment advice. We recommend seeking independent professional advice before making significant financial decisions. We accept no responsibility for decisions made based on information provided through our Services.

6. Third-Party Providers

Our Services may connect you with independent third-party lenders and finance institutions. We are not responsible for:

• The approval or rejection of any application
• The terms, interest rates, fees, or conditions of any financial product
• The accuracy of information provided by third-party providers
• Any dispute between you and a third-party provider

Your relationship with any third-party provider is governed by their own terms and conditions.

7. Acceptable Use

You agree to use our Website and Services only for lawful purposes. You must not:

• Use the Services in any way that breaches applicable laws or regulations
• Attempt to gain unauthorised access to our systems or data
• Interfere with or disrupt the Website or its infrastructure
• Submit false, misleading, or fraudulent information
• Use automated tools to scrape or access the Website without our written consent
• Transmit viruses, malware, or other harmful code

8. Intellectual Property

All content on this Website — including text, graphics, logos, and design — is owned by or licensed to SIMMONS FINANCIAL REFERRALS LTD and is protected by UK and international intellectual property laws. You may not reproduce, distribute, or exploit any part of the Website without our prior written consent.

9. Privacy

Your use of our Services is also governed by our Privacy Policy, which explains how we collect, use, and protect your personal data. By using our Website, you acknowledge that you have read and understood our Privacy Policy.

10. Disclaimers

THE WEBSITE AND SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE WEBSITE WILL BE UNINTERRUPTED, SECURE, OR ERROR-FREE.

11. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, SIMMONS FINANCIAL REFERRALS LTD SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUE, DATA, OR GOODWILL ARISING FROM YOUR USE OF THE WEBSITE OR SERVICES. NOTHING IN THESE TERMS EXCLUDES OR LIMITS OUR LIABILITY FOR DEATH OR PERSONAL INJURY CAUSED BY NEGLIGENCE, FRAUD, OR ANY OTHER LIABILITY THAT CANNOT BE EXCLUDED BY LAW.

12. Indemnification

You agree to indemnify and hold harmless SIMMONS FINANCIAL REFERRALS LTD, its directors, officers, employees, and agents from any claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising from your use of the Services or breach of these Terms.

13. Termination

We may suspend or terminate your access to the Website or Services at any time, without prior notice, if we believe you have breached these Terms or for any other reason at our discretion.

14. Changes to These Terms

We reserve the right to amend these Terms at any time. Material changes will be posted on this page with an updated date. Your continued use of the Website after changes are published constitutes acceptance of the revised Terms.

15. Governing Law

These Terms are governed by and construed in accordance with the laws of England and Wales. Any disputes arising from these Terms or your use of the Services shall be subject to the exclusive jurisdiction of the courts of England and Wales.

16. Contact Information

If you have any questions about these Terms, please contact us:

SIMMONS FINANCIAL REFERRALS LTD
51B Chapel Street, Cawston
Norwich, NR10 4BG
United Kingdom
Email: contact@simmonsfinreferrals.com