Terms of Use

1. These Website Terms of use apply to use of access to our website at Sproutloans.co.uk, operated by Sprout, a trading name of Asgard Financial Services Limited (Asgard). Registered Office: Ormeau House, 91-97 Ormeau Road, Belfast, Co. Antrim. BT7 1SH. Registered in Northern Ireland Company No. NI624908. Asgard is authorised and regulated by the Financial Conduct Authority (Firm Reference Number 680043) and registered with the Information Commissioner's Office ZA120670. Asgard is a registered member of the Consumer Credit Trade Association (CCTA1114).

  • Use of the Website includes, but is not limited to, accessing and browsing.
  • Use of any part of the Website is considered your acceptance of the Website Terms of Use and applies from when you first access the Website. If you do not agree, please stop using the website immediately.
  • Before entering the Website, read the Website Terms of Use with the Privacy and Cookies Policy.

2. You should not use the Website for, or send to the Website anything which:

  • Is not in our best interests;
  • Involves your use of any viruses, Trojans, worms, logic bombs or other material which is malicious, technologically harmful, or is intended to damage / interfere with the Website, or any other system / information;
  • Is fraudulent, criminal or not lawful, or which is in breach of any applicable law, statute, regulation or bye-law;
  • Is misrepresentative/ impersonates another person or organisation;
  • Is defamatory, racist, sexist, defamatory, discriminatory, offensive, threatening, hateful, pornographic, indecent, obscene, malicious, abusive, political or untrue;
  • Is not accurate or is outdated; or
  • Is contrary to these Website Terms of Use or the Privacy and Cookies Policy.

3. You grant to us a worldwide, royalty-free, irrevocable, assignable, licence (capable of being sub-licensed) to use that information/ material for the Website or our general business purposes. You waive your moral rights regarding information/ material, so we do not need to identify you as author and may amend or modify it as we consider appropriate.

4. We may disclose your identity to a third party which claims that content posted or submitted by you, to the Website, infringes their intellectual property rights or their right to privacy or confidentiality.

5. You agree to comply at all times with our instructions for use of the Website.

6. While we try to ensure the availability, accuracy and security of the Website, the following applies:

  • The Website is made available free of charge.
  • The content on the Website is provided for general information and is not advice. Obtain professional or specialist advice before taking action on the basis of Website content.
  • From time to time, we may carry out maintenance or repairs to the Website, or update it.
  • We will try to make the Website available 24 hours a day. We are not liable if the Website is unavailable at any time.
  • Due to the nature of the Internet, we cannot ensure that the Website will always be available or that access will be uninterrupted, timely, error-free, secure or free from bugs or viruses.
  • We may suspend or withdraw access to the Website for any reason, temporarily or permanently, at any time without notice, and you shall not attempt to circumvent any such action.
  • We may impose restrictions on access to the Website at any time without notice, and you shall not attempt to circumvent any such action.
  • You must ensure that any hardware, software or any equipment that you use is compatible with the Website. We are not liable for any damage caused to, or viruses or other information which may affect, any hardware, software or equipment, due to Website access. You should use your own virus protection software.
  • We shall not have any liability for the actions of third parties.

7. We own all intellectual property rights in relation to the Website and material published on it. All rights are reserved.

All names, logos and related names, design marks and slogans used are trademarks or service marks of us or our licensees.

Unless otherwise stated, copyright, database rights, other rights and Website appearance is owned by us, or licensed to us by third parties. You may use and download Website Materials or extracts to a local hard disk and print copies, subject to the following:

  • Your use of the Website and any Materials is for your internal, personal, private use only;
  • Except to the extent permitted by law, you must not use, copy, reproduce, republish, post, broadcast or transmit any part of the Website or any Materials for any other purpose without our express prior written consent. This includes (but is not limited to) not reproducing or storing any part of the Website or any Materials in any other website or in any public or private electronic retrieval system or service;
  • Downloaded from the Website in any way, and you must not use any illustrations, photographs, videos, audio sequences or any graphics separately from any accompanying text;
  • Except as we expressly allow, you must not in any way modify Materials on the Website;
  • Copies of any Materials or extracts from the Website;
  • When you lawfully, or with our consent copy, reproduce, republish, post, broadcast, transmit, print or quote from any of the Website or any Materials, you must do so fairly and give due accreditation to us, our suppliers and the Website. You shall also do so in accordance with any restrictions which we stipulate on the Website;
  • Any rights not expressly granted in these Website Terms of Use or otherwise by us are reserved.

8. We don't control any third party website linked from our Website (unless we provide or operate them) and we have no liability for the content of them (no content warranty). We do not endorse or recommend those websites, their content, operators or owners.Unless we provide our written consent for you to do so, you must not frame the Website onto your own or another person's website. You may provide a link from your website to the homepage of the Website; however, you must do so in a legal and fair way without damaging our reputation or taking advantage of it, and you may not:

  • Establish a link to the Website on any website that is not owned by you;
  • Say anything that is false, misleading, derogatory or offensive about us or our services;
  • Make any warranties or representation about us or our services without our prior written consent;
  • Say or suggest that we have endorsed your website or are associated with it without our prior written consent; and
  • Charge a fee to any third party to use such link or to access the Website. If you act in breach of this paragraph 36.5, you agree that any such fee that you have received shall become immediately refundable to such third party. We reserve the right to withdraw this linking permission without notice.

Any changes we make to our policy will be published on the website. Please check for updates from time to time. Any dispute or claim with these Website Terms of Use and your use of the Website are subject to the jurisdiction of the English courts.