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Please read our Copyright, Legal and Privacy information carefully, as you will be legally bound by them. By accessing these pages, you shall be deemed to have accepted, and agreed to be bound by, the terms of this Notice, which will be governed by and construed in accordance with English law, unless otherwise stated.
Any reference to “we”, “us” or “our” means Echo Finance Limited.
Copyright in the pages of this site, in the screens displaying the pages and in the information and material contained therein and their arrangement, is owned by Echo Finance Limited unless otherwise indicated.
This website may not be reproduced or adapted in whole or in part without the prior consent of Echo Finance Limited, except for the purpose of accessing our services and for producing print outs for your own personal records. Any such copies must retain any copyright or other intellectual property notices contained in the original material.
The trade marks, images, logos, trade names or similar on this website which identifies Echo Finance Limited or third parties and their products and services are proprietary marks of Echo Finance Limited and/or the relevant third parties. No licence is granted to you in these terms and conditions to use any such marks.
Registered in England and Wales No. 6939070. Registered office – The 1812 Building, Wheatley Park, Mirfield, West Yorkshire, WF14 8HE.
The pages of this website are prepared and issued in the United Kingdom and are intended for the information and use of United Kingdom residents only.
Echo Finance Limited takes all reasonable steps to ensure that the information contained within this website is accurate, current, and complies with relevant English legislation and regulations as at the date of issue. However, we regret that no liability can be accepted for any errors or omissions. We reserve the right at any time to change the content, presentation, performance, facilities and availability of all or part of the pages of this site at our sole discretion and without prior notice. We reserve the right at any time, and without prior notice, to remove or cease to supply any product or service contained on this website. In the event of any such change or removal we shall not be liable to you in any way whatsoever for such change or removal.
Please note that the internet is not a totally reliable communication medium and is subject to failure of software or hardware outside the control of Echo Finance Limited which may lead to delays in, or total failure of communication data, messages or other material. We therefore do not warrant that the functions or materials accessible from or contained in this website will be uninterrupted or error free, or that defects will be corrected.
We reserve the right to collect information about numbers of users of this site and individual pages for the purpose only of developing and customising this website to better meet our clients’ needs. We accept no responsibility for information outside our web pages that may be accessed by hypertext link from these pages or for these other sites not being available at all times. The links to any other sites are provided for general information purposes only and the sites concerned and their contents are not endorsed or promoted by us in any way, unless otherwise stated. Please note that when you click on any external site hypertext link, you will leave our site and access the external site at your own risk. We will accept no responsibility or liability in respect of the material on any such other website. You may not create a hypertext link to this website without the prior written approval of Echo Finance Limited.
These pages do not purport to give investment advice and it is important that you do not rely upon their contents to make investment decisions. This site should not be regarded as an offer or solicitation to sell investments in any jurisdiction. The provision of details, products or services on these pages are not, and should not, be construed as an offer for us to sell or for you to buy such products or services from us, and we may in our absolute discretion accept or reject any offer from you.
To the fullest extent allowed by law, you agree that we will not be liable to you or any third party for any consequential or incidental damages (including but not limited to loss of revenue, loss of profits, loss of anticipated savings, wasted expenditure, loss of privacy and loss of data) or any other indirect, special or punitive damages whatsoever that arise out of or are related to the site.
We reserve the right to change these terms and conditions at any time by posting changes on the website. It is your responsibility to review the terms and conditions regularly to ensure you are aware of the latest terms and conditions. Your use of this website after a change has been posted will be deemed to signify your acceptance of the modified terms and conditions. We recommend that you print off and retain for your records a copy of these terms and conditions from time to time together with any related application forms completed and submitted. Any amendment to these terms and conditions must be agreed in writing by us.
If you send us an e-mail, or give us your e-mail address, we will keep a record of it. If you expressly consent, we may use it to contact you occasionally about other products and services which we feel might interest you. Given that an e-mail message is sent through a number of computers over which we have no control you need to be aware that any message you send to us or we send to you may not be secure, any data contained therein may be intercepted by or otherwise become available to a third party. If you do send us an e-mail, please do not include any confidential information unless encrypted, we will do likewise.
We may record telephone conversations to offer you additional security, resolve complaints and improve our service. Conversations may also be monitored for staff training purposes.
Please note that any software is downloaded at your own risk. We do not warrant the suitability of any such software, which is downloaded and accept no liability for any problems with your computer that may arise as a result. If you are in any doubt as to the suitability of software to be downloaded for your computer, it is recommended that you obtain specialist advice before downloading.
The Data Protection Act 1998 puts obligations on users of personal information and lays down principles for its use. One principle states that information has to be processed fairly and lawfully. This means that you are entitled to know how we intend to use any information you provide. You can then decide whether you want to give it to us.
If you choose to complete one of our online forms, the personal information you provide will be used solely by Echo Finance Limited to enable us to answer your queries. Occasionally, we may contact you by letter, telephone, e-mail or otherwise to inform you about other products and services which may interest you. If you do not wish to receive this information please contact us at the address below or e-mail us at firstname.lastname@example.org.
You have a right to request a copy of the personal data we hold about you. If you require a copy please write to the Designated Data Controller, The 1812 Building, Wheatley Park, Mirfield, West Yorkshire, WF14 8HE. We reserve the right to charge the maximum fee payable in terms of the Data Protection Act 1998. If you believe that the information we hold about you is inaccurate you may write to us and ask us to correct it.
If you believe any information on this site is inaccurate or have any suggestions on how the content of this site could be improved please email us at email@example.com or call us on 08000 934 914.
THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.
IF YOU ARE THINKING OF CONSOLIDATING EXISTING BORROWING YOU SHOULD BE AWARE THAT YOU MAY BE EXTENDING THE TERMS OF THE DEBT AND INCREASING THE TOTAL AMOUNT YOU REPAY.