Terms & Conditions

Effective date: 15 October 2025
Company: Lendbroke Ltd
Website: www.lendbroke.com

INTRODUCTION

These Terms of Use (“Terms”) govern your access to and use of Lendbroke Ltd’s website, software-as-a-service platform, and related automation/consulting services (together, the “Services”). By accessing or using the Services, you agree to these Terms. If you are entering into these Terms on behalf of a company or other legal entity, you represent that you have the authority to bind that entity; in that case, “you” and “your” refer to that entity.

ABOUT US

“Lendbroke”, “we”, “us” or “our” means Lendbroke Ltd, a company registered in England and Wales (company number 16497432) with registered office at 61 Bridge Street, Kington, United Kingdom, HR5 3DJ. Contact: [email protected].

SCOPE AND RELATIONSHIP WITH OTHER TERMS

These Terms apply to use of our website, user accounts, SaaS platform, and any related automation, onboarding, setup, and consulting services. If you have a separate signed agreement, order form, statement of work, or master services agreement with Lendbroke (a “Service Agreement”), that document prevails over these Terms to the extent of any conflict. Our Privacy Notice and Cookie Policy also apply and are incorporated by reference.

BUSINESS USE ONLY (B2B)

The Services are offered to business users acting for purposes relating to their trade, business, craft or profession. You must not use the Services as a consumer.

ELIGIBILITY AND ACCOUNTS

You must ensure that:
• you are at least 18 and have authority to bind your organisation;
• your registration information is accurate and kept up to date;
• your users keep credentials secure and confidential;
• you remain responsible for all activities under your accounts.

You must promptly notify us of any unauthorised access, suspected breach, or security incident involving your accounts or data.

SUBSCRIPTIONS, FEES AND TAXES

Access to the SaaS may require a paid subscription. Fees, billing terms, and any minimum commitment are set out in the applicable Service Agreement, order form, or invoice. Unless otherwise stated, fees are exclusive of VAT and other taxes, which you are responsible for paying. We may suspend or terminate access for overdue amounts after reasonable notice.

PROFESSIONAL SERVICES (AUTOMATION/CONSULTING)

If we deliver setup, build, implementation, migration, integration, or consulting services, those services will be described in an order form/SOW and delivered on a reasonable efforts basis. Your timely cooperation, access to systems, content, and qualified personnel are required to meet timelines.

YOUR RESPONSIBILITIES

You are responsible for:
• obtaining and maintaining suitable internet access, devices, and browser/software;
• configuring the Services to meet your internal needs;
• ensuring your use complies with law (including data protection, marketing, and e-privacy rules);
• reviewing outputs before relying on them;
• backing up any Customer Content exported from the Services.

ACCEPTABLE USE

You must not, and must ensure users do not:
• copy, modify, reverse engineer, decompile, or create derivative works from the Services except to the extent

permitted by law;
• access the Services to build a competing product or service;
• bypass or violate technical or organisational security measures;
• upload unlawful, infringing, defamatory, or harmful content;
• introduce malware or perform penetration tests without our prior written consent;
• misuse communications features (e.g., spam, unsolicited marketing in breach of applicable laws);
• exceed any fair usage limits we reasonably notify to you.

CUSTOMER CONTENT AND DATA

“Customer Content” means data, files, text, images, configurations, and other materials you or your users submit to or generate in the Services. You retain ownership of Customer Content. You grant Lendbroke a non-exclusive, worldwide licence to host, use, process, transmit, display, and create derivatives of Customer Content as necessary to provide, secure, improve, and support the Services, and as otherwise permitted by law and our Privacy Notice. You represent and warrant that you have obtained all rights and consents necessary for Lendbroke to process Customer Content as described.

PERSONAL DATA AND PRIVACY

Each party will comply with applicable data protection laws. Our handling of personal data is described in our Privacy Notice. Where required, the parties will enter into a separate data processing agreement. You are responsible for providing any required notices and obtaining any necessary consents from individuals whose personal data you upload to or process through the Services. You must not upload special category data unless expressly agreed in writing and appropriate safeguards are in place.

VERIFICATION INFORMATION

Where reasonably necessary for security, compliance, or contracting, you may be asked to supply identity or business verification information (for example, company details, director information, proof of address, or similar). You agree to provide accurate information and to notify us of material changes.

THIRD-PARTY SERVICES

The Services may interoperate with third-party products or services (for example, CRM, email, analytics, payments, or storage). Your use of third-party services is subject to those third parties’ terms and privacy notices. We are not responsible for third-party services and do not guarantee their availability or performance.

BETA FEATURES AND TRIALS

We may offer features marked as alpha, beta, preview, or evaluation. Such features are provided “as is”, may be modified or withdrawn at any time, and are excluded from service levels and warranties.

SERVICE AVAILABILITY AND SUPPORT

We aim to provide reliable Services but do not guarantee uninterrupted availability. We may suspend the Services for maintenance, security, or legal reasons, and will use reasonable efforts to provide notice of scheduled maintenance. Support entitlements (hours, channels, response targets) are described in the applicable Service Agreement or support plan.

SECURITY

We implement appropriate technical and organisational measures to protect the Services and Customer Content. You are responsible for your users’ access, device security, and secure configuration of any integrated systems. If we become aware of a data incident affecting your personal data, we will notify you without undue delay in accordance with law and any applicable data processing agreement.

BETA FEATURES AND TRIALS

SERVICE AVAILABILITY AND SUPPORT

SECURITY

NO LEGAL, FINANCIAL, OR REGULATORY ADVICE

Lendbroke is not a law firm, financial advisor, or regulated entity. The Services and any deliverables, templates, workflows, or guidance are provided for general information and operational purposes only and do not constitute legal, financial, tax, accounting, or compliance advice. You are solely responsible for obtaining professional advice and for your decisions, settings, and outputs produced using the Services.

INTELLECTUAL PROPERTY

Lendbroke and its licensors own all intellectual property rights in and to the Services, including software, interfaces, templates, documentation, designs, and know-how. Except for the limited rights expressly granted in these Terms or a Service Agreement, no rights are granted to you (by licence or otherwise). You must not remove or alter proprietary notices.

CONFIDENTIALITY

“Confidential Information” means non-public information disclosed by one party to the other that is marked or should reasonably be understood as confidential. Each party will use the other’s Confidential Information only for the purposes of the relationship and will protect it using at least reasonable care. Exclusions include information that is public, already known, independently developed, or lawfully received from a third party. Disclosure is permitted where required by law, regulation, or court order (with prompt notice where lawful).

WARRANTIES AND DISCLAIMERS

We warrant that we will provide the Services with reasonable skill and care. Except as expressly stated, the Services and deliverables are provided “as is” and “as available”. To the fullest extent permitted by law, we disclaim all implied warranties, including merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the Services will be error-free or uninterrupted, or that they will meet your specific needs.

LIMITATION OF LIABILITY

Nothing in these Terms limits liability for death or personal injury caused by negligence, fraud or fraudulent misrepresentation, or any other liability that cannot be limited by law. Subject to the preceding sentence:

• neither party will be liable for indirect, incidental, special, consequential, or punitive losses, or for loss of profits, revenue, goodwill, data, or business interruption; and

• each party’s total aggregate liability arising out of or in connection with the Services and these Terms (whether in contract, tort, negligence, or otherwise) is limited to the total fees paid or payable by you to Lendbroke for the Services giving rise to the claim in the twelve (12) months preceding the first event giving rise to the liability.

INDEMNITY

You will indemnify and hold Lendbroke harmless from and against third-party claims, damages, liabilities, costs, and expenses (including reasonable legal fees) arising from: (a) your breach of these Terms; (b) your use of the Services in violation of law or third-party rights; or (c) Customer Content.

SUSPENSION AND TERMINATION

We may suspend or restrict access to the Services immediately if we reasonably believe there is a security risk, suspected fraud, unlawful activity, breach of these Terms, non-payment after notice, or to comply with law. Either party may terminate the Services as set out in the applicable Service Agreement. If no Service Agreement applies, either party may terminate for material breach not remedied within thirty (30) days of written notice.

EFFECT OF TERMINATION

Upon termination: (a) you must stop using the Services; (b) we may disable account access; (c) you remain responsible for fees accrued up to termination; and (d) upon request within thirty (30) days, we will make available a copy of Customer Content then stored in the SaaS in a reasonable export format (unless legally prohibited or deleted earlier at your request). We may delete Customer Content after this period, subject to legal retention obligations.

CHANGES TO THE SERVICES OR TERMS

We may modify the Services or these Terms to reflect improvements, security needs, legal or regulatory changes, or business requirements. If changes materially reduce functionality or materially affect your rights, we will provide reasonable notice. Continued use after the effective date of updated Terms constitutes acceptance.

PUBLICITY

Unless otherwise agreed in writing, we may use your name and logo in a customary, factual manner to identify you as a Lendbroke customer on our website and marketing materials. You may opt out by notifying us in writing.

FORCE MAJEURE

Neither party will be liable for delay or failure to perform due to events beyond its reasonable control (including internet or hosting failures outside its control, power outages, acts of God, war, labour disputes, pandemics, or governmental actions).

ASSIGNMENT

You may not assign, transfer, or sublicense your rights or obligations under these Terms without our prior written consent, not to be unreasonably withheld. We may assign to an affiliate or in connection with a merger, acquisition, or sale of assets.

NOTICES

Notices under these Terms must be in writing and sent by email or recorded delivery to the contact details last notified by the parties. Email to Lendbroke: [email protected].

GOVERNING LAW AND JURISDICTION

These Terms and any dispute or claim arising out of or in connection with them are governed by the laws of England and Wales. The courts of England and Wales have exclusive jurisdiction, except that either party may seek urgent injunctive or equitable relief in any competent jurisdiction.

ENTIRE AGREEMENT; SEVERABILITY; NO WAIVER

These Terms (together with any applicable Service Agreement, order form, SOW, Privacy Notice, and Cookie Policy) form the entire agreement regarding the Services and supersede prior discussions and understandings. If any provision is held invalid, the remainder will remain in effect. A waiver of any breach is not a waiver of any other breach.