Terms & Conditions
Legal Information
General
This web site (the "Site") is owned by Coopers Hawk Ltd and any access to this Site is governed by these terms and conditions.
If these terms and conditions are not accepted in full, you do not have permission to access this Site and therefore should cease using the Site immediately.
If there is any conflict between these terms and conditions and rules and/or specific terms of use appearing on this Site relating to specific material then the latter shall prevail.
Intellectual Property
All copyright, database rights and other intellectual property rights in the material on this Site (the "Content") belong to Coopers Hawk Ltd or its licensors. Individuals who access and/or use this Site will not obtain intellectual or other proprietary rights in the Content.
You may print or download to a local hard disk Content from this Site for your personal use only.
You may not otherwise copy, distribute, sell or publish any of the Content of the Site without prior written permission.
Liability
Coopers Hawk Ltd uses reasonable endeavours to ensure the accuracy and completeness of all the information on the Site. However, you should always check any information on the Site before making any decisions based on that information.
Except in the event of death or personal injury caused by our negligent acts or omissions, we shall not be liable in any way for any damages arising in contract, tort (including negligence) or otherwise in respect of loss or damage arising out of or in connection with your use of the Site. In no event will Coopers Hawk Ltd be liable for any direct, indirect or consequential damages in contract or tort (including negligence), including loss of profit, loss or damage to property or relating to claims made by third parties.
This Site may contain links to third party web sites which are not under the control of Coopers Hawk Ltd. Coopers Hawk Ltd are not responsible for the material on such third party sites, links to which are provided solely as a convenience.
Jurisdiction
These terms and conditions shall be governed by and construed in accordance with the laws of England and Wales. Disputes arising here from shall be exclusively subject to the jurisdiction of the courts of England and Wales.
Creditor
Someone you owe money to.
Unsecured lending
Total loan & credit card debts excluding your mortgage and any hire purchase.
Country
The country you currently live in.
Insolvency Practitioners
Also known as an IP, a person who specialises in formal insolvency cases.
Valuations
The process of determing the current value of an asset.
Equity
The difference between the market value of a property and the claims held against it.
Lender
Someone you owe money to.
Eviction Order
A court order by which a person may be evicted.
Arrears
An unpaid and overdue debt.
Disposable Income
The amount of income left to an individual after taxes have been paid, available for spending and saving.
Statement of Affairs
A financial report showing assets and liabilities at expected liquidation values and shareholders' equity.
Insolvent
Unable to meet debt obligations.
Secured Loan
Money borrowed using goods or property as a guarantee.