Terms and conditions of use

This website is operated and provided by Shelby Finance Ltd trading as Dot Dot Loans (“we”, “us”, “our”). Our company registration number is 08117620. Shelby Finance is a fully owned subsidiary of Morses Club Limited.

By using our website, you agree to all of the terms and conditions as set out below (“Terms of Use”) which will govern your use of our website.

These Terms of Use are effective from 01/03/2017. We may change these Terms of Use from time to time by updating this page. We will not necessarily bring changes or updates to your attention so please revisit this page periodically to re-read these Terms of Use and to ensure you are aware of any changes. Your use of the website after a change has been made constitutes your acceptance of the amended Terms of Use.

If you have any queries regarding the website or any of the information or materials contained on or in it, or about any part of these Terms of Use, you can contact us.

These Terms of Use set out the basic rules that govern your use of the website to make contact with us, to read about the products or services offered by us, including our loans and related services (“Products”) and for all other purposes as may be relevant to your use of the website from time to time.

The website content is intended to be advisory only. In the terms and conditions of your loan agreement (including if you apply to enter into one with us) you will see separate terms and conditions. These do not govern your use of our website.

• 1. Intellectual property
  • 1.1 We are the owner or the licensee of all copyright, design rights, database rights, trademarks and other intellectual property rights in the website, and in the material published on it. Your use of the website grants no rights to you in relation to our intellectual property rights or the intellectual property rights of third parties. All such rights not expressly granted are reserved.
  • 1.2 If you are using the website and have access to a printer then permission is hereby granted to electronically copy and to print in hard copy portions of the content of the website for the sole purpose of your own personal use of this as an information resource for our Products, provided any copy which you make retains all copyright and other proprietary notices. Any other use of materials on the website, including reproduction for purposes other than the above, modification, distribution or republication without our prior written consent is prohibited.
  • 1.3 If you print, copy or download any part of the content on the website in breach of these Terms of Use, we reserve the right to suspend or terminate your use of the website immediately and you must, at our option, return or destroy any copies of the materials you have made.
  • 1.4 Any infringement of our rights or those of our service and technology providers or group companies may result in appropriate legal action being taken against you.
  • 1.5 Brand names and trademarks included in the content of the news sections or blogs may be protected by third parties and rights are subject to the ownership rights of the owner.

• 2.1 These Terms of Use refer to our Website Privacy Notice, which also applies to your use of our website. Our Privacy Notice sets out the terms on which we process any personal information that we collect from you, or that you provide to us. By using our website you are agreeing to the use of your personal information as set out in our privacy notice and you warrant that all personal information provided by you is accurate.

• 3.1 We do not guarantee that our website, or any content on it, will always be available or uninterrupted. Access to our site is permitted on a temporary basis. We may suspend, withdraw, discontinue or change all or any part of our site without notice. We will not be liable to you if for any reason our site is unavailable at any time or for any period.

• 4.1 The use of third party websites is entirely at your own risk. Links contained in the website are provided for information only and will lead to other websites which may not be under our control, and we do not make any representation as to the accuracy, completeness, timeliness or suitability of information on those other websites and we accept no liability for the content of any linked site or any link contained in a linked site. Links provided on the website are provided to you only for convenience and the inclusion of any link does not imply reliability and endorsement by us of the content of any third party’s website. Dot Dot Loans expressly dissociates itself from all contents of linked pages. Dot Dot Loans can take no responsibility for quality, completeness, timeliness or accuracy of all automatically included news and presents the content without guarantee. Dot Dot Loans reserves the right to suspend, or remove any part of the news section or the whole news section in its entirety without justification at any time.
• 4.2 These Terms of Use do not apply to any third party linked to from the website. You should read the terms and conditions of those other websites before using them and direct any questions or comments about the content of those other websites to the person or entity who controls the relevant website.
• 4.3 You are not entitled (nor will you assist others) to set up links from any other websites to the website (whether by hypertext linking, deep-linking, framing, toggling or otherwise) without our prior written consent, which we may grant or withhold at our absolute discretion.
• 4.4 You agree that when accessing the website you shall not price scrape or harvest pricing or any other content from the website, either manually or by use of a web spider, web robot or any other web crawling technology.

• 5.1 This website and its content are for information purposes only. While we have taken reasonable steps to ensure the accuracy and completeness of the information on the website, all such information is provided on an “as is” basis and, except where prohibited by law, we give no warranty and make no representation regarding the accuracy or completeness of its content. Dot Dot Loans has tried to ensure the usefulness and accuracy of the information provided, but does not make any representation, or accept any responsibility or liability for the accuracy or completeness of this information, nor it's suitability to be used for a particular purpose.
• 5.2 Some of the information contained on the website may have been prepared or provided by third parties. Except where prohibited by law, no warranty is given that the website will be available on an uninterrupted basis and, save as required by law, no liability can be accepted in respect of losses or damages arising out of such unavailability.
• 5.3 All express warranties, representations, conditions of any kind or other terms implied by statute or common law with respect to the website or the information, content, materials or products included on the website are hereby expressly excluded to the fullest extent permitted by law. Except where prohibited by law, we shall not be liable in any circumstances for any direct or indirect, special or consequential loss or damage (whether for profit or loss or otherwise) costs, claims, expenses or other claims for compensation whatsoever, whether caused by our acts, omissions or negligence or the acts, omissions or negligence of our employees or agents, which arise out of or in connection with the use of the website or the information, content materials or products included on the website, except in respect of death or personal injury caused by us, our employees’, or our agents’ proven negligence, fraud or fraudulent misrepresentation, breach of our statutory obligations which apply in connection with the sale and supply of products and services and which cannot be excluded by operation of law, or any matter for which it would be illegal for us to exclude or attempt to exclude our liability. Nothing in these Terms of Use shall exclude or restrict any liability that we may owe to a customer under the regulatory system.
• 5.4 In addition, except where prohibited by law, we are not liable to you for any of the following (whether or not we were advised of, or knew of, the possibility of such losses) whether arising from any claim arising out of or in connection with the use of the website, including without limitation, under any tort, including negligence, for breach of contract, for misrepresentation (other than fraudulent misrepresentation), intellectual property infringement or under any statute or otherwise:
  • 5.4.1 any losses or damages arising out of changes made to the content of the website by unauthorised third parties;
  • 5.4.2 any loss of business, data, profits, revenue, goodwill, use or anticipated savings;
  • 5.4.3 any claims from third parties;
  • 5.4.4 loss or damage to your, or any third party’s, data or records;
  • 5.4.5 any delay in, or failure of, performance of our obligations under these Terms of Use arising from any cause beyond our reasonable control including any of the following: act of God, governmental act, war, fire, flood, explosion or civil commotion, failure in information technology or telecommunications services, failure of a third party (including failure to supply data) and industrial action;
  • 5.4.6 except as expressly provided in these Terms of Use, we exclude all representations, conditions and warranties whether express or implied (by statute or otherwise) to the fullest extent permitted by law.

• 6.1 Please remember that the Internet is not a secure medium. Communications over the Internet such as e-mails are not secure, even if they have been encrypted. We seek to keep secure all confidential information and personal information submitted to us through the website, in accordance with our obligations under applicable laws and regulations. However, in common with all website operators, we cannot guarantee the security of any data transmitted through the website (except where the same is encrypted using methods we have approved or prescribed). Please do not communicate with us through the website, or otherwise use the website, unless you accept the security implications of dealing online. Information you send through the website is sent at your own risk.

• 7.1 We reserve the right to prevent your usage of the website if you misuse the contents contained within the website in any manner. We are the final arbiter as to what shall constitute misuse and our decision will be final.

• 8.1 In these Terms of Use the words “include”, “including”, “includes”, “such as”, “in particular” and any similar expression are to be construed as if they were immediately followed by the words “without limitation”.
• 8.2 These Terms of Use and any non-contractual obligations arising out of or in connection with them, are governed by English law. In the event of any dispute or claim relating to the website, these Terms of Use or any non-contractual obligations arising out of or in connection with them, then all website users to whom these Terms of Use relate agree to the resolution of such claim or dispute in the English courts, in accordance with English law.
• 8.3 If any provision of these Terms of Use is found to be invalid or unenforceable by a court, including without limitation the liability limitations or exclusions, it will be severed from the rest of these Terms of Use which shall remain unaffected.
• 8.4 No delay or failure by us to exercise any powers, rights or remedies under these Terms of Use will operate as a waiver of them, nor will any single or partial exercise of any such powers, rights or remedies preclude any other or further exercise of them.
• 8.5 We may, at any time, assign any or all of our rights or obligations under these Terms of Use to any person. This includes without limitation any person who takes on responsibility for operating the website (whether inside or outside our group of companies). This includes assignments where necessary as part of any restructuring relating to our companies, business or assets, or as part of a sale of Shelby Finance Ltd, our parent company Morses Club Limited, or their business or assets.
• 8.6 Rights such as may be granted to any and all website users, and obligations as may be incurred by any such person, in each case pursuant to these Terms of Use, relate only to those persons, and they may not be transferred to any third party whatsoever.