Terms-and-conditions

BabyReady Finance

Terms and Conditions

V1. June 2023

This website and application are owned and maintained by BabyReady Finance Limited (“BabyReady,” “we,” or “us”). By using the BabyReady website and application, you agree to the following terms and conditions. Please read them carefully before proceeding. If you do not agree with these terms, you must refrain from using our website and application. We recommend that you print a copy of these terms for future reference.

Who We Are and How to Contact Us:

Who we are and how to contact us This website and application are owned and maintained by BabyReady Finance Limited (“BabyReady,” “us,” “we,” or “our”), a company registered in Scotland under company number SC688467. Our registered office address is The Enterprise Hub Level 6, Graham Hills Building, 50 Richmond Street, Glasgow, Scotland, G1 1XP.

You can contact us by writing to us at [Registered Office Address] or by email at info@babyready.me.

Acceptance of Terms:

By using this website and application, you confirm that you accept these terms of use and agree to comply with them. If you do not agree to these terms, you must not use this website and/or application.

Additional Terms:

In addition to these terms of use, your use of this website and application is also subject to our Privacy Policy, which sets out how we collect, use, and store personal data, and our Cookie Policy, which provides information about the cookies used on our website and application. Additional terms and conditions may apply to specific services provided by BabyReady, and these will be explained or made available to you if you choose to use such services.

Changes to Terms and Website:

We may amend these terms from time to time. Every time you use our website and application, please check these terms to ensure you understand the terms that apply at that time. We may also update and change our website and application as needed to reflect changes in user needs.

Availability of Website and Application:

While we strive to provide uninterrupted access to our website and application, we do not guarantee that they will always be available or free from interruptions. We may suspend, withdraw, or restrict the availability of all or any part of our website and application for business and operational reasons. We will make reasonable efforts to provide notice of any suspension or withdrawal.

Use of Material:

Unless otherwise stated, BabyReady is the owner or licensee of all intellectual property rights in the website and application and the material published on them. These materials are protected by copyright laws in Scotland, the United Kingdom, and other countries. You may print off one copy and download extracts of any page(s) from our website for your personal use and share content within your organization. However, you must not reproduce, duplicate, modify, distribute, or create derivative works of any material from our website and application without our prior written consent. All downloadable materials on this website are licensed for non-commercial use under the Creative Commons Attribution-NonCommercial-NoDerivatives 4.0 International (CC BY-NC-ND 4.0) License.

Limitation of Liability:

BabyReady, its directors, employees, or affiliates will not be liable for any direct, indirect, incidental, consequential, or special damages arising out of or in connection with your use of the website and application. This limitation of liability applies to the fullest extent permitted by law. Nothing in these terms excludes or limits our liability for death or personal injury arising from our negligence, or our fraud or fraudulent misrepresentation, or any other liability that cannot be excluded or limited by law.

Viruses and Misuse:

While we strive to ensure the security and integrity of our website and application, we do not guarantee that they will be secure or free from defects, bugs, viruses, or other

harmful components. It is your responsibility to configure your own information technology, computer programs, and platform to access our website and application. You must not misuse our website and application by knowingly introducing viruses, trojans, worms, logic bombs, or any other malicious or technologically harmful material. You must not attempt to gain unauthorized access to our website, application, servers, or any connected database. Any breach of this provision may constitute a criminal offense under applicable laws. We will report any such breach to the relevant law enforcement authorities and cooperate with them by disclosing your identity. In the event of a breach, your right to use our website and application will cease immediately.

Third-Party Websites:

Our website and application may contain links to third-party websites or resources. These links are provided for your information only. We have no control over the contents of these websites or resources and accept no responsibility for them. The inclusion of any link does not imply endorsement or approval by BabyReady.

Do not rely on information and tools on this website:

We are not regulated by the Financial Conduct Authority and do not provide a regulated service. The information and material provided on our website and application, including tools and calculators, are for general information purposes only. They do not constitute financial, investment, or legal advice. You should not rely on the content or information derived from our website and application without seeking professional or specialist advice.

We do not guarantee the accuracy, reliability, or completeness of the content on our website and application. Any action taken based on the information provided is at your own risk. You must obtain professional or specialist advice before taking, or refraining from taking, any action on the basis of the content, or information derived from, our website. For example, you should seek further information from an independent financial adviser or from providers of specific financial products.

Prohibited Use:

You must not use our website and application for any unlawful or prohibited purpose. This includes but is not limited to:

Breaching any applicable local, national, or international law or regulation.
Engaging in unlawful or fraudulent activities.
Harming or attempting to harm minors.
Uploading or transmitting any material that does not comply with these terms.
Sending unsolicited or unauthorized advertising or promotional material (spam).
Encouraging conduct that would be considered a criminal offense or infringe intellectual property rights.

Governing Law and Jurisdiction:

These terms of use, their subject matter, and their formation are governed by the laws of Scotland and the United Kingdom. If you are a consumer, you and BabyReady agree to submit to the exclusive jurisdiction of the courts of Scotland and England and Wales. If you are a business, you and BabyReady agree to the exclusive jurisdiction of the courts of Scotland and England and Wales.

Privacy Policy:

By using our website and application, you agree to the terms of our Privacy Policy, which outlines how we collect, use, and store your personal information. Please refer to the Privacy Policy for more details.