Banner Default Image

Terms & Conditions



Who We Are is a website operated by JD Williams & Company Limited (“we” or “us” or “our”). We are registered in England and Wales under company number:0178367 and have our registered office at Griffin House, 40 Lever Street, Manchester, M60 6ES. Our VAT number is 148 8796 03.

We are regulated by the Financial Conduct Authority (Firm Reference Number: 311618) for activities limited to the sale and administration of consumer credit and general insurance products, a list can be found on the FCA Register.

To contact us, please email

Use of this Site

These terms and conditions of use apply to your use of this website (the “Site”). By using the Site, you confirm that you accept these terms and conditions of use and that you agree to comply with them. If you do not agree to these terms, you must not use the Site.

Other Terms That May Apply to You

These terms refer to additional terms, which also apply to your use of the Site:

Changes to the Site and these Terms

We may update and change the Site from time to time. We will try to give you reasonable notice of any major changes.

We do not guarantee that the Site, or any content on it, will always be available or be uninterrupted. We may suspend or withdraw or restrict the availability of all or any part of the Site for business and operational reasons. We will try to give you reasonable notice of any suspension or withdrawal.

We amend these terms from time to time. Every time you wish to use the Site, please check these terms to ensure you understand the terms that apply at that time. These terms were most recently updated on 7/2/22.

We may transfer our rights and obligations under these terms to another organisation. We will always tell you in writing if this happens and we will ensure that the transfer will not affect your rights.

Your Account Details

If you choose, or you are provided with, a user identification code, password or any other piece of information as part of our security procedures, you must treat such information as confidential. You must not disclose it to any third party.

We have the right to disable any user identification code or password, whether chosen by you or allocated by us, at any time, if in our reasonable opinion you have failed to comply with any of the provisions of these terms.

If you know or suspect that anyone other than you knows your user identification code or password, you must promptly notify us at

Material on the Site

The Site contains material which is owned by or licensed to us. This material includes, but is not limited to, the design, layout, look, appearance and graphics of the Site and our products. Those works are protected by copyright laws. All such rights are reserved.

All trademarks reproduced on the Site, which are not the property of, or licensed to us, are acknowledged on the Site.

You may view, use, download and store the material on the Site for personal, non-commercial and educational research use only. You shall not use any part of the content on the Site for commercial purposes without obtaining a licence to do so from us or our licensors.

Our status (and that of any identified contributors) as the authors of content on the Site must always be acknowledged (except where the content is user-generated).

You shall not conduct, facilitate, authorise or permit any text or data mining or web scraping in relation to the Site or any services provided via, or in relation to, the Site.

Accuracy of Information

The information on the Site is provided for general information only. We make no representations, warranties or guarantees, whether express or implied, that the content on the Site is accurate, complete or up to date.

The information in the Site should not be relied on and does not constitute any form of advice or recommendation. By using the Site, you confirm that you have not relied on any such information. Any arrangements made between you and any third party named or referred to on the Site are entirely at your sole risk and responsibility.

Nothing on the Site is intended to be nor should be construed as an offer to enter into a contractual relationship.

Linked Websites

Where the Site contains links to other websites provided by third parties, we have no control over the content of those websites, and we accept no responsibility or liability for the content of such websites. Any such links are not intended to be, nor should be construed as, approval or endorsement of any kind by us of those linked websites.

You may not create a link to the Site from another website or document without our prior written consent. We reserve the right to withdraw such consent without notice.

Our Responsibility for Loss or Damage Suffered by You

We do not exclude or limit in any way our liability to you where it would be unlawful to do so. This includes liability for death or personal injury caused by our negligence or the negligence of our employees, agents or subcontractors and for fraud or fraudulent misrepresentation.

We only provide the Site for domestic and private use by consumer users. You agree not to use the Site for any commercial or business purposes, and we have no liability to you whatsoever for any loss of profit, loss of business, business interruption, or loss of business opportunity.

If defective digital content that we have supplied, damages a device or digital content belonging to you and this is caused by our failure to use reasonable care and skill, we will either repair the damage or pay you compensation. However, we will not be liable for damage that you could have avoided.


We do not guarantee that the Site will be secure or free from bugs or viruses.

You are responsible for configuring your information technology, computer programmes and platform to access the Site. You should use your own virus protection software.

You must not misuse the Site by knowingly introducing viruses, trojans, worms, logic bombs or other material that is malicious or technologically harmful. You must not attempt to gain unauthorised access to the Site, the server on which the Site is stored or any server, computer or database connected to the Site. You must not attack the Site via a denial-of-service attack or a distributed denial-of service attack. By breaching this provision, you would commit a criminal offence under the Computer Misuse Act 1990. We will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use the Site will cease immediately.


We will only use your personal information as set out in our Privacy Policy.

User-Generated Content and Uploaded Material

The Site may include information and materials uploaded by other users of the Site. This information and these materials have not been verified or approved by us. The views expressed by other users on the Site do not represent our views or values.

We may from time to time provide or facilitate the ability to upload content to the Site. If you provide any such content, you warrant that any such contribution complies with the applicable standards or acceptable use policy, and you will be liable to us and indemnify us for any breach of that warranty. This means you will be responsible for any loss or damage we suffer as a result of your breach of warranty.

You retain all of your ownership rights in your content, but you are required to grant us a licence to use, store and copy that content and to distribute and make it available to third parties.

Applicable Law and Jurisdiction

The Site is controlled and operated by JD Williams & Company Limited from its offices in England.

These terms of use, their subject matter and their formation, are governed by English law. You and we both agree that the courts of England and Wales will have exclusive jurisdiction except that if you are a resident of Northern Ireland you may also bring proceedings in Northern Ireland, and if you are resident of Scotland, you may also bring proceedings in Scotland.