All copyright, trademarks and other intellectual property rights in the material or content on our website belong to Liverpool Victoria Friendly Society Limited. You can only download material from this website for your own use and to apply for our products. You won't have any right, title or interest in any material you download.
You can’t use the material and content on our website in any other way. You agree not to copy, reproduce, transmit, download, frame, publish, display, distribute, commercially exploit or create anything using this material, unless we give you permission in writing beforehand.
We do all we can to make sure everything we publish on our website is accurate, but we don't give any guarantees about the information on it. We disclaim any representations and warranties, unless they've been made fraudulently.
We've taken all reasonable steps to protect our website with antivirus software. But we can't guarantee that our website will meet your needs or that:
We won't be liable if you lose any content or material when uploading or transmitting it through our site.
We can’t guarantee that we can provide a particular product at any particular time or that a product will be available from day to day. We don’t accept liability for withdrawing any product or rejecting your application for a product for any reason.
Neither we nor any of our directors, agents or employees will be liable for damages arising from you using our website. This applies to damages of any kind, including compensatory, direct, indirect or consequential damages, loss of data, income or profit, loss or damage to property and claims of third parties. However we may be liable if there’s a death or personal injury as a result of negligence on our part.
We don’t offer advice about the suitability of the products available on our website. It’s up to you to decide whether they’re suitable for you.
The information on our website may not include all of our products.
You promise to fully compensate us for any loss or damage resulting from claims, actions, liability, costs and expenses relating to your use of this site. This includes legal fees that result from you going against these terms or any other liabilities arising from you using our website.
We can change or withdraw (temporarily or permanently) our website or any part of it at any time without giving you notice. We won't be liable to you in any way if we do this.
We may change these terms without telling you. We'll publish any changes we make on our website, so please check from time to time to make sure you've seen the latest version of our terms. If you continue to use our website after we’ve posted changes to our terms, we'll take it that you have accepted the revised terms.
We may refuse to process a transaction at any time and for any reason. We won't be liable to you or any third party if we do this.
We may monitor information that's sent to our website.
How we collect your information
We collect personal information about you (such as your name, address, date of birth, occupation and bank account details) when you apply for any of our products or services. We may get information directly from you or from a third party such as a credit reference agency.
We'll also collect information about you when you register to use the services on our website. Depending on the product or service you apply for, the information you give may be classed as sensitive personal data. For example, we may need to ask you about your health or whether you have any convictions. We'll only ask you for or use this sort of information to help us administer your business. We won't use it for marketing purposes, for example.
How we use the information we collect
We put your information on our marketing database and we may keep it in paper files where appropriate. You'll find more details on how we use it and which LV= company collects it, in individual application declarations – here are the main uses:
How we share your information
If you apply for one of our products we may share your information, for example with credit reference agencies. You’ll find more detail about this on the individual application forms and information request forms on our website.
Keeping your information secure
We look after your personal data by having security that's appropriate for its nature and the harm that might result from a breach of security.
We don't ask you for any more information than we need, and we don't keep your information for any longer than we need to.
We take reasonable steps to keep your details up to date and accurate. Please bear in mind that we may hold on to your records after we've stopped our service to you. This is to make sure we have an effective audit trail and to comply with legislative requirements.
The Data Protection Act 1998 gives you rights, for example:
The information on our website applies to residents of the UK only. You'll find more details about this in individual products.
We won't be liable to you if we can't carry out our obligations to you because of circumstances beyond our control.
If any part of these terms is found to be legally unenforceable, the other parts will be unaffected and will stay in force.
These terms are governed by the law of England and the courts for that part of the UK where you live. We'll always communicate in English.