Email 0115 896 1983

Terms & Conditions

This website is operated by Tide You Over Limited registered in England and Wales with registered number 07448835. Registered office address: 493a Caerphilly Road, Rhiwbina, Cardiff CF14 4SN. Tide You Over Limited is authorised and regulated by the Financial Conduct Authority - interim permission number 6415641.

Tide You Over is registered with the ICO - Data Protection Registration number: Z2783388, click here to search the register.

Important information

The use of this website is subject to these terms and conditions. In making use of this website you agree to these terms and conditions in their entirety. If you are not prepared to agree to these terms and conditions, you must stop using the website immediately.

  1. Definitions
    1. 'We' refers to Tide You Over Limited. 'Us' and 'our' shall be construed accordingly.
    2. 'Our domain name(s)' refers to the Tide You Over Limited domain name(s), 'This domain name' shall be construed accordingly.
    3. 'The Tide You Over Website(s)' refers to all websites, FTP sites and email addresses associated with our domain name(s). 'This website(s)', 'the website(s) ', 'our website(s)', 'our FTP site(s)', 'our email addresses', 'our networks', 'our systems', 'our servers' and 'our computers' shall all be construed accordingly.
    4. 'These terms' refer to the terms and conditions set out on this page of the Tide You Over website..
    5. 'You' refers to any individual or organisation that accesses our website(s) or sends us email and 'your' shall be construed accordingly.
  2. Use of this website
    1. The use of this website is subject to these terms and conditions. In making use of this website(s) or sending us an email you are considered to have accepted these terms in their entirety even if they have changed since you last accessed the website(s).
    2. We may revise these terms at any time by updating this page of the website. You are advised to review these terms regularly to check whether you are still prepared to be bound by them.
    3. If you are not prepared to agree to these terms and conditions, you must stop using the website immediately.
    4. Nothing in these terms shall create a partnership, joint venture or the relationship of principal and agent or employer and employee between you and us. We are under no obligation to provide you with employment or with any particular product or service.
  3. Use of your information
    1. We may give your information to: carefully selected third parties (such as other financial services companies) so that they can contact you about other products and services that may be of interest to you; credit reference and fraud prevention agencies; people who provide a service to us or act on our behalf, on the understanding that they will keep the information confidential. If they are located in another country (which may be outside the European Economic Area) we will make sure that they agree to apply the same levels of protection as we are required to apply to information held in the UK and to use your information only for the purpose of providing the service to us;
    2. We may give your information to: any third party who introduced you to us so that they can contact you and for their own accounting and administration purposes; and
    3. We may give your information to: anyone to whom we transfer or may transfer our rights and duties under this agreement.
    4. We may also give out information about you if we have a duty to do so or if the law requires or allows us to do so.
    1. By submitting your information to us via this website you agree that we may electronically process your data to enable us to provide our services to you and that we may contact you about future services which may be of interest to you. We will not sell or share your data with any third party, other than for the purposes of dealing with your claim or unless you have given us your express permission to do so, but should you not wish to receive information about our other services you can ask us not to send such information by contacting us.
    2. For the purposes of tracking our advertising and marketing we use cookies on this website. No other information provided by this is shared with any third party.
    3. You must not send us any personal information about anyone except yourself without their permission.
    4. Any information submitted by you , whether your application is completed or not and whether your application is accepted or not, may be used for analysis by us for business improvement and fraud prevention.
    5. To allow us to contact you in any way (including mail, email, telephone, fax, text/SMS or multimedia messages) about products and services offered by us and selected partners unless you have previously asked us not to do so.
  4. Use of information
    1. You confirm that any information which you provide to us is true and accurate and is not connected with, or in pursuance of, any act of fraud or fictitious event or circumstance.
    2. We reserve the right to treat any non personal information you send us as non confidential and non proprietary.
    3. Any personal information which you send us shall be treated in accordance with our privacy policy.
    4. You must not send us anything which is in breach of confidence or in breach of privacy unless you have permission from the owner to send it to us.
  5. Intellectual property
    1. We have registered the Tide You Over domain names for our exclusive use. Any use of these domain names by any other party or parties is not permitted.
    2. The logos, graphics, images, content, HTML and JavaScript source code and general 'look and feel' of the websites are protected by international copyright and trademark laws. All such rights are reserved.
    3. Our logo is an unregistered trademark and may not be used without our written permission.
    4. Except where explicitly permitted the printing or copying of the websites or any part thereof for any purpose is not allowed without our written permission.
  6. Breach of these terms and conditions
    1. If we decide that you are in breach of these terms, we may suspend your access to all or part of our website(s) without warning or any entitlement to compensation on your part and with no obligation for us to provide you with an explanation.
    2. If we decide that you are in breach of these terms and we choose to ignore it on that occasion, it does not imply any loss or suspension of our entitlements under these terms. We may still use our rights under these terms at a later date or in any other situation where we determine that you are in breach of them.
  7. Assignment of rights
    1. You may not assign any of your rights under these terms to any other person or organisation.
    2. We may assign our rights under these terms to another organisation provided that we believe in good faith that your rights under these terms will not be affected by such as transfer.
  8. Assignment of rights
    1. We provide the websites for the purposes of enabling you to make an application for credit. They are not intended for any other purpose. We cannot guarantee that the websites will meet your requirements.
    2. We reserve the right to change the content or functionality of the websites at any time, without notice and with no obligation to provide an explanation.
    3. We reserve the right to make all or any part of the websites temporarily or permanently unavailable, at any time, without notice and with no obligation to provide an explanation.
    4. You must not use the websites to gain or attempt to gain unauthorised access to any of our computers, servers, systems or networks, whether through hacking, password mining or by any other means.
    5. You must not attempt to gain access to any secured areas of the websites or use the websites in any way which compromise their security.
    6. You must not use the websites to obtain (or attempt to obtain) any materials or information through any means not intentionally made available by us through the websites.
    7. You must not use the websites in any way that may impair their performance, corrupt their content or otherwise reduce their overall functionality.
    8. You must not use the websites in any way that is unlawful in the United Kingdom, or in the country from which you access the websites.
    9. You must not use the websites in any way that may interfere with another person's legitimate use or enjoyment of them.
    10. You agree to indemnity us fully and to keep us fully indemnified against all costs, expenses, claims, losses, liabilities or proceedings arising from use or misuse by you of the websites.
    11. You must notify us immediately if anyone makes or threatens to make any claim against you relating to your use of the websites.
    12. You must not send us anything which may prove technically harmful to any of our computer systems, including (but not limited to) computer viruses, worms, Trojan Horses, spyware, adware, logic bonds, corrupted data, or any other malicious software or harmful devices.
    13. You must not send us any unsolicited e-mail, whether commercial or non commercial.
  9. Limitation of liability
    1. Whilst we will endeavour to make reasonable efforts to ensure that the quality and content of the websites is of a high standard, we cannot guarantee that the service will be permanently available, uninterrupted or error free, or that any errors will be corrected, or that content will be kept up to date or that they always be free of computer viruses or other harmful devices.
    2. Any general advice given on the websites is for educational and informational purposes only. Professional advice should be sought before applying any such general advice to particular circumstances.
    3. If you choose to access our websites you do so at your own risk. We cannot accept any responsibility for any losses you may incur as a consequence of your use of the websites.
    4. Some of the services offered through our websites may not be lawful or may otherwise not be permitted outside the United Kingdom. If you attempt to order, receive, purchase or otherwise benefit from any such services, we do not accept any liability for any losses suffered by you in using our websites which you would not have suffered had you been accessing our websites in the United Kingdom.
    5. If you send any information to us via email or one of our websites, we cannot accept any responsibility for any consequential losses you may incur.
    6. You must not send us anything which encourages the commission of a criminal offence in any country.
      1. libellous, defamatory, scandalous or inflammatory;
      2. liable to incite racial, ethnic, religious or homophobic hatred;
      3. threatening, harassing, abusive, menacing or hateful;
      4. otherwise liable to cause offence, annoyance or inconvenience.
    7. Certain links at our websites lead to servers and websites maintained by third parties not connected with us. We are not responsible for the content of these external websites, or for any losses you may occur as a consequence of using them.
  10. Applicable Law
    1. Nothing in these terms and conditions and shall be construed so as to exclude or limit our liability for death or personal injury as a result of the negligence of our employees or agents.
    2. These terms and conditions are governed by the laws of England and Wales. Any disputes arising over these terms must be settled in the courts of England and Wales.
    3. If any provision of these terms and conditions is held to be invalid or unenforceable by a court of competent jurisdiction, such provision shall be struck out and the remaining provisions shall remain in force.