Terms of Service

1. About Us

CapBridge is a trading name of Premier Card Machines Ltd (Company No. 14433858), registered in England & Wales. We operate as a business funding broker and introducer, connecting UK businesses with third-party funding providers. We also provide card machine and payment processing introduction services.

These Terms of Service ("Terms") govern your use of the CapBridge website and our brokerage services. By accessing our website or using our services, you agree to be bound by these Terms. If you do not agree, please do not use our website or services.

2. Service Description

CapBridge acts as a broker and introducer. We are not a direct lender, and we do not provide financial advice. Our role is to:

• Assess your funding requirements based on the information you provide
• Match your business with suitable funding providers from our panel of FCA-regulated lenders
• Submit applications to selected lenders on your behalf with your consent
• Facilitate communication between you and the funding provider throughout the process

Any funding agreement you enter into is directly between you and the lending provider. CapBridge is not a party to any such agreement and bears no responsibility for the terms, conditions, or performance of those agreements.

3. Eligibility

To use our services, you must meet the following criteria:

• You must be a UK-registered business (sole trader, partnership, LLP, or limited company)
• Your business must have been actively trading for a minimum of six months
• You must be at least 18 years of age and authorised to act on behalf of the business
• You must be able to provide accurate and truthful information regarding your business and financial circumstances

We reserve the right to decline to provide our services to any applicant at our sole discretion.

4. Your Obligations

When using our services, you agree to:

• Provide accurate, complete, and up-to-date information about your business and financial position
• Promptly inform us of any material changes to the information you have provided
• Not use our services for any unlawful purpose or in any manner that could damage, disable, or impair our website
• Not misrepresent your identity or business details
• Review all terms and conditions of any funding agreement independently before entering into it

We are entitled to rely on the accuracy of the information you supply. If inaccurate information leads to a funding offer being withdrawn or an agreement being voided, we accept no liability.

5. Commission Disclosure

CapBridge may receive a commission, fee, or other remuneration from the funding provider if your application results in a completed funding agreement. This commission is paid by the funding provider and does not increase the cost of the funding to you.

We are committed to transparency. You may request details of the commission or fee arrangement applicable to your case at any time by contacting us. The existence of commission arrangements does not affect our commitment to finding the most suitable funding option for your business.

6. No Guarantee of Funding

Whilst we endeavour to match you with suitable funding, we make no guarantee or warranty that:

• A funding application will be approved by any lender
• Specific funding amounts, rates, or terms will be available to you
• The funding process will be completed within a particular timeframe
• The funding product offered will meet all of your requirements

All funding decisions are made solely by the relevant lending provider based on their own credit assessment, underwriting criteria, and due diligence processes. CapBridge has no influence over these decisions.

7. Limitation of Liability

To the fullest extent permitted by law:

• CapBridge shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, revenue, business, or anticipated savings
• Our total aggregate liability arising out of or in connection with our services shall not exceed the total commissions received by us in relation to your specific case, or £1,000, whichever is greater
• We are not liable for any acts, omissions, defaults, or negligence of any third-party funding provider
• We do not accept liability for any loss arising from your reliance on information provided on our website, which is for general guidance only

Nothing in these Terms excludes or limits our liability for death or personal injury caused by our negligence, fraud or fraudulent misrepresentation, or any other liability that cannot be excluded or limited by English law.

8. Intellectual Property

All content on the CapBridge website, including but not limited to text, graphics, logos, icons, images, software, and design, is the property of Premier Card Machines Ltd or its licensors and is protected by copyright, trademark, and other intellectual property laws.

You may not reproduce, distribute, modify, create derivative works from, publicly display, or commercially exploit any content from our website without our prior written consent.

9. Website Availability

We do not guarantee that our website will be available at all times or that it will be free from errors or viruses. We may suspend, withdraw, or restrict access to all or parts of our website for business or operational reasons.

10. Third-Party Links

Our website may contain links to third-party websites. These links are provided for your convenience and do not imply endorsement. We have no control over the content, privacy policies, or practices of third-party websites and accept no responsibility for them.

11. Indemnification

You agree to indemnify and hold harmless Premier Card Machines Ltd, its directors, officers, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising out of or in connection with your breach of these Terms, your use of our services, or any inaccurate information you have provided.

12. Termination

We may terminate or suspend your access to our services at any time, without prior notice, if we reasonably believe you have breached these Terms or if we are required to do so by law. Upon termination, all provisions of these Terms which by their nature should survive shall remain in effect.

13. Changes to These Terms

We reserve the right to amend these Terms at any time. Changes will be posted on this page with an updated effective date. Your continued use of our website or services after changes are posted constitutes acceptance of the revised Terms.

14. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of England and Wales. Any dispute arising out of or in connection with these Terms shall be subject to the exclusive jurisdiction of the courts of England and Wales.

15. Dispute Resolution

In the event of a dispute, we encourage you to contact us first to seek an informal resolution. Please email info@capbridge.co.uk with details of your concern.

If we are unable to resolve the matter informally, either party may pursue resolution through the courts of England and Wales. For details of our formal complaints procedure, please visit our Complaints page.

16. Severability

If any provision of these Terms is found by a court of competent jurisdiction to be invalid or unenforceable, that provision shall be enforced to the maximum extent permissible, and the remaining provisions shall continue in full force and effect.

17. Contact Us

If you have any questions about these Terms, please contact us:

Premier Card Machines Ltd (trading as CapBridge)
Company No. 14433858
Email: info@capbridge.co.uk