The legal bit...

Please read this carefully. This sets out the conditions that govern your use of this Website and any material that may be made available. Only use this Website if you agree to the following conditions.

The site www.phillipscapitalgroup.co.uk ("Website") is owned by Phillips Capital Limited, registered in England and Wales 11149189 and authorised and regulated by the Financial Conduct Authority. Registration number: 812541. Correspondence address: Phillips Capital, 97 Baltic Quay, Mill Road, Gateshead NE8 3QX. 

The terms set out below constitute an agreement between the user ("you") and Phillips Capital Limited ("us "/"we") and set out the conditions upon which you use this website and access the information, products, material and services available on the website. We reserve the rialter website and any of the terms, conditions and provisions (whether contained in these Terms and Conditions, our Privacy Policy, our Cookie Policy or elsewhere), at any time. It is your responsibility to view the terms, conditions and review the website regularly and thoroughly; every time you use the it, please check these Terms and Conditions to ensure you agree which apply at that time.

Phillips Capital Ltd is authorised and regulated by the Financial Conduct Authority (FCA) for Credit Broking— firm reference number: 812541. Phillips Capital Ltd is a company registered in England & Wales. Company number: 11149189. Phillips Capital Ltd is registered with the Information Commissioner's Office (ICO) for Data Protection. Registration number: ZA308472. Phillips Capital Ltd is registered for value-added tax (VAT) under number: GB345580489. Phillips Capital Ltd is a member of the Financial Intermediary & Broker Association (FIBA). Membership number: FIB39703. Phillips Capital Ltd is a Legal & General Mortgage Club member — agency number: 8237828. 

These Website Terms and Conditions, the Privacy Policy, and the Cookie Policy contain all the terms you and we have agreed upon regarding the use of this site. Your continued use of the website indicates your acceptance of these Terms and Conditions. We recommend that you print a copy of these terms for future reference.

Any products or services you apply for from this website will be covered by separate terms and conditions identified at the time.

You must not misuse our website by knowingly introducing viruses, trojans, worms, logic bombs or other malicious or technologically harmful material. You must not 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. You would commit a criminal offence under the Computer Misuse Act 1990 by breaching this provision. We will report any such breach to the relevant law enforcement authorities. In such a breach, your right to use our website will cease immediately.

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

Unless otherwise specified, the information on the website is directed solely at those who access it from the United Kingdom and at those who are United Kingdom residents. We cannot, therefore, guarantee that this Website or the information held within it is appropriate for places other than the United Kingdom.

You may be offered various links to other websites on the website, which we hope you will be interested in and enjoy. Any link is not intended to be, nor should it be construed as, an endorsement by us of that other website. We are not responsible for the protection and privacy of any information you provide whilst visiting other websites, and our Privacy Policy does not govern such sites. We cannot control the content or the security of any third-party websites, and we do not accept any responsibility for the content of any sites not owned or operated by Phillips Capital Limited. Linking to such websites is done at your own risk and we make no representations of the websites' content.

You may not create a link to this website from another website or document without our prior written consent.

Phillips Capital Ltd operates under the following trading brands. 

Phillips Capital, Phillips Capital Private Clients & Phillips Venture Capital. 

Phillips Capital is an introducer for regulated and non-regulated mortgage and loan contracts and, as such, does not provide financial advice. The FCA regulates residential mortgages, Homeowner loans, Consumer buy-to-lets, and subsequent charge mortgages. Clients who require a regulated product will be referred to an appropriately authorised firm to receive the correct advice and support. 

Phillips Capital Private Clients is a commercial brokerage. The FCA does not regulate portfolio buy-to-lets, Commercial mortgages and certain Business loans. 

Phillips Venture Capital is our internal, inter-company hedge fund focused on cryptocurrencies. We do not operate in regulated securities, such as Future Contracts, Contracts for Difference, Derivatives, Options, or any other crypto assets that could be classified as Securities. We do not hold, lend, or invest client money. 

Phillips Capital's related products, services and offerings include, but are not limited to; Credit Brokering, Bridging and Development Finance (regulated & unregulated), Commercial Mortgages, Overseas Mortgages, Secured Loans (regulated & unregulated), Residential Mortgages, Boat Finance, Buy-to-Let Mortgages (Pure & Consumer), Residential Mortgages, Offshore LTD companies, Business Funding, Home Credit Provider, Guarantor Loans, Asset Finance, Equity Release, Property liquidation, Debt restructuring, Venture Capital, Accountants, Solicitors, Surveyors, Property Management Companies, Personal & Short-term Loans, Personal Guarantee Insurance, Landlord Insurance, Home Insurance, Business Insurance, Logbook Loans, Revolving Credit, Hire Purchase Agreements, Vehicle Finance, Utility Switching, Credit Score & Reporting Service, Debt/IVA, and Guarantor Loans. 

Phillips Capital does not provide financial advice under any circumstances and nor are we responsible for any advice given by any third-party provider(s). Information on our Website should be taken as opinion and factual only. If you are in any doubt regarding any advice given by a third-party provider, you should seek independent financial advice. Late or missed payments can cause severe economic problems. Free sources of debt advice are available from the Money Advice Service: www.moneyadviceservice.org.uk. 

Please review our Privacy Policy to learn how we collect, store, and protect your data.

All content on this Website is believed to be accurate at the time of publication. However, this is a fast-moving sector, and criteria and policies change regularly. For this reason, we always recommend that you speak to one of our brokers for the most up-to-date information.

Phillips Capital Ltd does not hold, lend, or invest client money. 

Phillips Capital Ltd is a Credit Broker and not a Lender. Representative finance examples are for illustrative purposes only. Finance is subject to status. Terms and conditions apply. Available to 18s and over. UK domicile only. Phillips Capital Ltd may receive a commission from commercial partners for introducing customers to finance and other products. Any commissions we receive do not influence the amount a customer pays. 

While we take every care to ensure that the website's standard remains high and to maintain its continuity, the Internet is not a stable medium, and errors, omissions, interruptions of service, and delays may occur at any time. As a result, we do not accept any ongoing obligation or responsibility to operate the Website (or any particular part of it) or provide the services offered.

The information on the website is given in good faith and for general information and interest only. It is subject to change without notice. We make no representations or warranties about the accuracy, completeness, freedom from viruses, availability, reliability or suitability for any purpose of the information and related graphics published on the website (including all texts, advertisements, links or other items), which may contain technical inaccuracies and typographical errors. We and all content providers and contributors to the website disclaim and exclude to the fullest extent permitted by law all liability for any loss or damage whatsoever whether arising in tort, contract, equity or otherwise and arising out of or in relation to or in connection with your access to or use of or inability to use the website and accept no liability in connection with any virus, defect, error, omission, or system failure associated with the connection to this website or any links to third-party sites.

We are not providing any legal, accounting or any other professional advice or opinion on specific facts or matters and (other than in the case of fraudulent misrepresentations and representations expressly made in these Terms and Conditions (and our Privacy Policy) we exclude all representations and offer no warranties to the maximum extent permitted by law, we (including our directors, officers, employees or agents) will not be liable for damages arising out of or in connection with the use of the website or its information. This is a comprehensive limitation of liability that applies to all damage of any kind, including (without limitation):

• compensatory damages,
• direct damages
• indirect or consequential damages,
• loss of data,
• loss of income or profit,
• loss of opportunity, and
• loss of or damage to property and third-party claims

Should any part of these Terms and Conditions be found to be void, unlawful or unenforceable, it shall be deemed severable from the rest of the terms and conditions so that it is not effective to the extent that it shall not affect the validity of the remaining terms and conditions (or parts) of the Website Terms and Conditions, which shall remain valid and enforceable.

The Terms and Conditions and any other terms, conditions and provisions on our website (including, without limitation, the Privacy Policy and the Cookie Policy) shall be governed by and construed by the laws of England. The English courts shall have exclusive jurisdiction to settle any disputes arising out of or in connection with these Terms and Conditions or use of our website.

PLEASE THINK CAREFULLY BEFORE SECURING DEBTS AGAINST YOUR PROPERTY. 

YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBT SECURED AGAINST IT.