Terms &
Conditions

1. Introduction

1.1 These terms and conditions govern your use of Lucid Loans Ltd's website.

1.2 By utilizing our website, you fully accept these terms and conditions. If you disagree with any part of these terms, refrain from using our website.

1.3 By using any of our website services, you explicitly agree to these terms and conditions.

1.4 You must be at least 18 years old to use our website. By using our website or agreeing to these terms and conditions, you confirm that you meet this age requirement.

1.5 Our website employs cookies. By using our website or agreeing to these terms and conditions, you consent to the use of cookies in line with our privacy policy.

2. Copyright Notice

2.2 All copyright and other intellectual property rights in our website and its material are owned and controlled by us and our licensors. These rights are reserved.

3. License to Use Website

3.1 You may:

(a) View pages from our website in a web browser.

(b) Download pages from our website for caching in a web browser.

(d) Stream audio and video files from our website.

(e) Access www.lucidmoney.net / www.lucidloans.co.uk via a web browser.

These actions are subject to the other provisions of these terms and conditions.

3.2 Except as expressly permitted or provided in these terms and conditions, you must not download or save any material from our website to your computer.

3.3 Our website may only be used for business purposes, and not for any other purposes.

3.4 Any editing or modification of material on our website is prohibited unless expressly permitted by these terms and conditions.

3.5 Without express permission from Lucid Loans Ltd, you must not:

(a) Republish material from our website.

(b) Sell, rent, or sub-license material from our website.

(d) Exploit material from our website for commercial purposes.

(e) Redistribute material from our website.

3.6 However, you may redistribute our newsletter in electronic form to colleagues.

3.7 We reserve the right to restrict access to areas of our website or the entire website at our discretion. Circumvention of any access restriction measures on our website is prohibited.

4. RSS Feed

4.1 You may access our RSS feed using an RSS reader or aggregator.

4.2 Accessing our RSS feed indicates your acceptance of these terms and conditions.

4.3 Subject to your acceptance, we grant you a non-exclusive, non-transferable, non-sub-licensable license to display unmodified content from our RSS feed on any non-commercial website owned and operated by you. However, you must not aggregate our RSS feed with any other feed when displaying it.

4.4 As a condition of this license, you must include a credit for us and hyperlink to our website on each web page where the RSS feed is published.

4.5 We retain the right to revoke any license granted under this section at any time, with or without notice or explanation.

5. Acceptable Use

5.1 You must not:

(a) Use our website in any way that may cause damage to the website or impair its performance, availability, or accessibility.

(b) Engage in unlawful, illegal, fraudulent, or harmful activities on or in connection with our website.

(d) Conduct any systematic or automated data collection activities on or in relation to our website without our express written consent.

(e) Use any automated means to access or interact with our website, except for search engine indexing.

(f) Violate directives set out in our website's robots.txt file.

(g) Utilize data collected from our website for direct marketing activities.

5.2 You must ensure that all information provided to us through our website is accurate, current, and complete.

6. Reporting Abuse

6.1 If you become aware of any unlawful material or activity on our website, or any breach of these terms and conditions, please notify us.

6.2 You can report such material or activity to [email protected] / [email protected]

7. Limited Warranties

7.1 We do not warrant or represent:

(a) the completeness or accuracy of the information published on our website;

(b) the timeliness of the material on the website; or

7.2 We reserve the right to discontinue or alter any or all of our website services, and to cease publication of our website, at any time at our sole discretion without notice or explanation. Unless expressly provided otherwise in these terms and conditions, you will not be entitled to any compensation or payment upon such discontinuance or alteration of website services or cessation of publication.

7.3 To the maximum extent permitted by law and subject to Section 13.1, we exclude all representations and warranties relating to these terms and conditions, our website, and its use.

8. Limitations and Exclusions of Liability

8.1 Nothing in these terms and conditions will:

(a) limit or exclude liability for death or personal injury resulting from negligence;

(b) limit or exclude liability for fraud or fraudulent misrepresentation;

(d) exclude any liabilities that may not be excluded under applicable law.

8.2 The limitations and exclusions of liability set out in this Section 8 and elsewhere in these terms and conditions:

(a) are subject to Section 13.1; and

(b) govern all liabilities arising under these terms and conditions or in relation to the subject matter of these terms and conditions, including liabilities arising in contract, in tort (including negligence), and for breach of statutory duty, except as expressly provided otherwise in these terms and conditions.

8.3 We will not be liable for any loss or damage of any nature where our website and the information and services provided on it are offered free of charge.

8.4 We will not be liable for any losses resulting from events beyond our reasonable control.

8.5 We will not be liable for any business losses, including but not limited to loss of profits, income, revenue, use, production, anticipated savings, business, contracts, commercial opportunities, or goodwill.

8.6 We will not be liable for any loss or corruption of data, databases, or software.

8.7 We will not be liable for any special, indirect, or consequential loss or damage.

8.8 You acknowledge our interest in limiting the personal liability of our officers and employees. Accordingly, you agree not to hold our officers or employees personally liable for any losses incurred in connection with the website or these terms and conditions.

9. Indemnity

9.1 You indemnify us and agree to keep us indemnified against all losses, damages, costs, liabilities, and expenses (including legal expenses and any amounts paid by us to a third party in settlement of a claim or dispute) incurred or suffered by us arising directly or indirectly from your use of our website or any breach by you of any provision of these terms and conditions.

10. Breaches of These Terms and Conditions

10.1 Without prejudice to our other rights under these terms and conditions, if you breach these terms and conditions or if we have reasonable grounds to suspect such a breach, we may:

(a) Issue one or more formal warnings to you;

(b) Temporarily suspend your access to our website;

(d) Block computers using your IP address from accessing our website;

(e) Contact your internet service providers and request that they block your access to our website;

(f) Initiate legal action against you, whether for breach of contract or otherwise; and/or

10.2 If we suspend, prohibit, or block your access to our website or any part thereof, you must not take any action to circumvent such suspension, prohibition, or blocking, including creating and/or using a different account.

11. Third-Party Websites

11.1 Our website may contain hyperlinks to third-party websites. Please note that these hyperlinks do not constitute recommendations.

11.2 We do not control third-party websites or their content, and we accept no responsibility for them or for any loss or damage that may arise from your use of them, except as provided in Section 13.1.

12. Trade Marks

12.1 Lucid Loans Ltd's trademarks, including Lucid Loans, Lucid money and our logos, are our property. Use of these trademarks without permission may constitute infringement of our rights.

12.2 Any third-party trademarks or service marks on our website belong to their respective owners. Unless otherwise stated in these terms and conditions, we do not endorse or affiliate with any holders of such rights and cannot grant any license to use such rights.

13. Competitions

13.1 We may run competitions, free prize draws, and/or other promotions on our website from time to time.

13.2 Competitions will be subject to separate terms and conditions, which will be made available to you as appropriate.

14. Variation

14.1 We reserve the right to revise these terms and conditions at any time.

14.2 The revised terms and conditions shall apply to your use of our website from the date of publication on the website. By continuing to use the website, you accept the revised terms and conditions.

14.3 If you have given your express agreement to these terms and conditions, we will seek your express agreement to any revisions. If you do not agree within the specified period, we may disable or delete your account, and you must cease using the website.

15. Assignment

15.1 We may assign, transfer, subcontract, or otherwise deal with our rights and/or obligations under these terms and conditions.

15.2 You may not assign, transfer, subcontract, or otherwise deal with your rights and/or obligations under these terms and conditions without our prior written consent.

16. Severability

16.1 If any provision of these terms and conditions is found to be unlawful, void, or unenforceable by a court or other competent authority, the remaining provisions shall remain in effect.

16.2 If any unlawful or unenforceable provision of these terms and conditions would be lawful or enforceable if part of it were deleted, that part shall be deemed to be deleted, and the rest of the provision shall remain in effect.

17. Third-Party Rights

17.1 A contract under these terms and conditions is for our benefit and yours and is not intended to benefit or be enforceable by any third party.

17.2 The exercise of the parties' rights under a contract under these terms and conditions is not subject to the consent of any third party.

18. Entire Agreement

18.1 These terms and conditions, together with our privacy and cookies policy, constitute the entire agreement between you and us regarding your use of our website. They supersede all previous agreements between you and us.

18.2 This agreement is subject to Section 13.1.

19. Law and Jurisdiction

19.1 These terms and conditions shall be governed by and construed in accordance with the laws of the United Kingdom.

19.2 Any disputes arising from these terms and conditions shall be subject to the non-exclusive jurisdiction of the courts of the United Kingdom.

20. Statutory and Regulatory Disclosures

20.1 Lucid Loans Ltd is registered in the United Kingdom. You can find the online version of the register at [insert link] and our registration number is [insert registration number].

20.2 Our VAT number is [insert VAT number].

21. Service providers

21.1 Services available on this Website might be offered and provided by different entities as the case may be. Customers that, via this Website, have requested electronic money issuance and/or payment services and have been assigned with the account number in the format of GBXXEMFGXXXXXXXXXXXXXX are going to access and receive those services via this Website, however services will be provided by Emerald Financial Group (UK) Ltd. Lucid Loans LTD is registered in England and Wales (company No. 15098675). Emerald Financial Group (UK) Ltd is registered in England and Wales (company No. 11557885), and authorised by the UK Financial Conduct Authority as an electronic money institution for the issuing of electronic money and provision of payment services (FCA reference No. 900908). Services that are provided by Lucid Loans LTD in cooperation with Emerald Financial Group (UK) Ltd are subject to terms and conditions under the following link: www.lucidloans.co.uk/legal/terms-and-conditions/emerald By requesting services provided by Emerald Financial Group (UK) Ltd, you acknowledge and accept these terms and conditions.

22. Our Details

22.1 Lucid Loans Ltd owns and operates this website.

22.2 We are registered in the United Kingdom under registration number 15098675, and our registered office is at Silverstream House, 45 Fitzroy Street, London, England, W1T 6EB.

22.3 You can contact us:

(a) By post, at the postal address provided above;

(b) Using our website contact form;