Terms & Conditions


1. What these terms cover
1.1 These terms set out the basis on which you may use the website at https://www.equali.io, including its subdomains (our Website). It is important that you read these terms before you use the site.

1.2 You are responsible for ensuring that all persons who access our site through your internet connection are aware of these terms (and the documents referred to in them), and that they comply with them.

2. Other applicable terms when you use the site
2.1 Our Privacy Policy (https://www.equali.io/privacy_policy) and our Cookie Policy (https://www.equali.io/cookie_policy) also apply to your use of the site and so please read them in addition to these terms.

3. Who we are and how to contact us
3.1 The Website is operated by Equali Finance Limited, a limited company registered in England and Wales with company number 13828609 and whose registered office is situated at 3rd floor, 86-90 Paul Street, London EC2A 4NE  (we, us, our or Equali).

3.2 To contact us, including if you wish to make a complaint about our Website, please email hello@equali.io.

4. Our legally binding agreement with you
4.1 These terms, along with the Privacy Policy (which explains how we use your personal information) and the Cookie Policy (which explains the use of cookies on our Website) (together, the Terms), form a legally binding agreement between us and you in relation to your use of our Website. By using our Website, you confirm that you accept the Terms and that you agree to comply with them. If you do not agree to the Terms, you must not use our Website.

4.2 The Terms should be read carefully. We recommend that you print or save a copy of the Terms for future reference.

5. We may change the Terms and/or our Website and suspend or withdraw our Website
5.1 We amend the Terms from time to time, and you are deemed to accept and agree to be bound by any amendments to the Terms when you use our Website after these amendments have been made. Every time you wish to use our Website, please check these terms to ensure you understand the terms that apply at that time. These terms were most recently updated on 12th August 2022.

5.2 We may update and change our Website from time to time. Our Website is made available free of charge. We do not guarantee that our Website will always be available or be uninterrupted. We may suspend or withdraw or restrict the availability of all or any part of our Website without notice.

6. Our Website is only for adult users
6.1 You warrant that you are at least 18 years old.  If you are not at least 18 years old you must not use our Website.

7. How you may use material on our Website
7.1 We are the owner or the licensee of all intellectual property rights in our Website, and in the material published on it. Those works are protected by copyright laws and treaties around the world. All such rights are reserved.

7.2 You may download or print off one copy of any page(s) from our Website for your personal use and you may draw the attention of others within your organisation to content posted on our Website.

7.3 You must not modify the materials you have downloaded or printed off, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text.

7.4 Our status (and that of any identified contributors) as the authors of content on our Website must always be acknowledged.

7.5 You must not use any part of the content on our site for commercial purposes without obtaining a licence to do so from us or our licensors.

7.6 If you breach the terms of this paragraph 7, your right to use our Website will cease immediately and you must, at our option, return or destroy any copies of the materials you have made.

8. Do not rely on information on our Website and we are not responsible for websites we link to
8.1 The content provided on our Website is for general information only and is made available on an “as is” and “as available” basis. It is not intended to amount to advice on which you should rely. You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of the content on our Website.

8.2 Although we make reasonable efforts to update the information on our site, we make no representations, warranties or guarantees, whether express or implied, that the content on our Website is accurate, complete or up to date.

8.3 Where our Website contains links to other websites and resources provided by third parties, these links are provided for your information only. Such links should not be interpreted as approval by us of those linked websites or information you may obtain from them. We have no control over the contents of those websites or resources.

9. Our responsibility for loss or damage suffered by you
9.1 We do not exclude or limit in any way our liability to you where it would be unlawful to do so. This includes liability for death or personal injury caused by our negligence or the negligence of our employees, agents or subcontractors and for fraud or fraudulent misrepresentation.

9.2 Different limitations and exclusions of liability will apply to liability arising as a result of the supply of any products/services to you, which will be set out in a separate contract with you.

9.3 We exclude all implied conditions, warranties, representations or other terms that may apply to our site or any content on it.

9.4 We will not be liable to you for any loss or damage, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, even if foreseeable, arising under or in connection with:
  a) use of, or inability to use, our site; or
  b) use of or reliance on any content displayed on our site.In particular, we will not be liable for:        
        i) loss of profits, sales, business, or revenue;
        ii) business interruption;
        iii) loss of anticipated savings;
        iv) loss of business opportunity, goodwill or reputation; or         
        v) any indirect or consequential loss or damage.

10. Your indemnification of us
10.1 You hereby indemnify and hold harmless Equali and our affiliates for any losses, damages, costs (including reasonable legal costs) and expenses (including taxation), in each case of any nature whatsoever, that are suffered or incurred by us or our affiliates as a result (in whole or in part) of your breach of any provision(s) of the Terms.

11. How we may use your personal information
11.1 We will only use your personal information as set out in our Privacy Policy.

12. We are not responsible for viruses and you must not introduce them
12.1 We do not guarantee that our Website will be secure or free from bugs or viruses.

12.2 You are responsible for configuring your information technology, computer programmes and platform to access our Website. You should use your own virus protection software.

12.3 You must not:
  a) misuse our Website by knowingly introducing viruses, trojans, worms, logic bombs or other material that is malicious or technologically harmful;
  b) attempt to gain unauthorised access to our Website, the server on which our Website is stored or any server, computer or database connected to our Website;
  c) use any robot, spider, scraper, deep link or other data gathering or extraction tool, program, algorithm or methodology to access, acquire, copy or monitor the Website or any portion of it;
  d) use or attempt to use any engine, software, tool, agent or other device to navigate or search the Website, other than search engines and search agents available through the Website or through generally available third party web browsers;
  e) attack our Website via a denial-of-service attack or a distributed denial-of service attack; or
  f) attempt to decipher, decompile, disassemble or reverse engineer any of the software comprising, or in any way contributing to, the Website.

12.4 By breaching paragraph 12.3, you would commit a criminal offence under the Computer Misuse Act 1990. We will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use our Website will cease immediately.

13. Rules about linking to our Website
13.1 You may link to our home page, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it.

13.2 You must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part where none exists.

13.3 You must not establish a link to our Website in any website that is not owned by you.

13.4 Our Website must not be framed on any other Website, nor may you create a link to any part of our Website other than the home page.

13.5 We reserve the right to withdraw linking permission without notice.

13.6 If you wish to link to or make any use of content on our Website other than that set out above, please contact hello@equali.io.

14. Other important matters
14.1 Nothing in the Terms creates any agency, partnership, joint venture, employment or franchisee relationship between you and us.

14.2 We may transfer our rights and obligations under these terms to another organisation.  We will always tell you in writing if this happens and we will ensure that the transfer will not affect your rights under these terms.

14.3 If a court finds part of the Terms illegal, the remaining Terms will continue in full force and effect.

14.4 This is a contract between us, and only you and us can enforce its terms.

14.5 If we delay in enforcing the Terms, we can still enforce them later. We are not responsible for any delay in performing or a failure to perform our obligations under the Terms if that delay or failure is due to events or circumstances beyond our reasonable control.

14.6 The Terms represent the entire agreement and understanding between you and us regarding your use of our Website and supersede all previous agreements between us.