1. Introduction

Nu-Credits is brought to you by Kuan Financial (UK) Limited (“Nu-Credits”, “us”, “we” or “our”) a company incorporated in England & Wales under number 11701974, whose registered office is at 301, 4 Christopher Street, London, EC2A 2BS
Please read these Terms of Use (“General Terms”) carefully. They set out the basis on which we are allowing you to access and use the basic features of our website (www.nu-credits.com) (the “Website”) and the content available through the Website.
We want to provide you with an excellent user experience when you use the Website and access the content on the Website. If you have any questions or queries about the Website or these General Terms we would be delighted to help. Please contact us by using the details at the end of these General Terms.

2. Acceptance of our general terms

By using the Website, you accept and agree to be bound by these General Terms. If you do not accept these General Terms you must not use the Website.

3. Our right to amend these terms

We reserve the right to change, modify, add to, or delete portions of these General Terms at any time including reflecting changes affecting the Website, our technology, our licensing, relevant laws and/or regulatory requirements.
If we do change these General Terms, we will post the changes on this page and will indicate the effective date at the top. We may also communicate changes to you by email (where we have this information).
You are responsible for regularly reviewing these General Terms so that you are aware of any changes. Your continued use of the Website after any such changes constitutes your acceptance of the new General Terms. If you do not agree to (or cannot comply with) the General Terms as amended, please do not use the Website.

4. Your access and use of the Nu-Credits content

Access to the Website is permitted on a temporary basis and we reserve the right to withdraw or amend the Website without notice.
You are responsible for making all arrangements necessary to access the Websites. You are also responsible for ensuring that all persons accessing the Website through your internet connection are aware of these General Terms.
You must not:
interfere with, or disrupt, the Website or any servers or networks connected to the Website, including by transmitting any worms, viruses, malware, spyware or any other code of a destructive, malicious or disruptive nature. You may not inject content or code or otherwise alter or interfere with the way any page of the Website is rendered or displayed in a user’s browser or device;
access the Website via a means not authorised in writing in advance by us, including but not limited to, automated devices, scripts, bots, spiders, crawlers or scrapers (except for standard search engine technologies);
attempt to restrict another user of the Website from using or enjoying the Website and you must not encourage or facilitate the breach of these General Terms by others;
use the Website or any content on it for any illegal or unauthorised purpose; or
change, modify, adapt or alter the Website or any content on it or change, modify or alter another website so as to inaccurately imply an association with the Website or with us.
You also acknowledge that we cannot guarantee:
the performance or security of the Website. In particular, we will not be responsible for any damage or loss you may suffer directly or indirectly as a result of any virus attack that can be traced to the Website to the fullest extent permissible by law;
the Website will be error-free or free of viruses, electronic bugs, Trojan horses or other harmful components and you must take your own precautions accordingly; and
the Website be compatible with all or any hardware or software which you may use.

5. Availability of the website

You acknowledge that the Website and the content on it is provided “AS IS” and we cannot guarantee that the Website will:
stay the same (as we might change the Website or remove it altogether);
be available all the time or at any specific time;
be accurate, reliable or up-to-date.

6. Your privacy and cookies

The privacy of your personal data is important to us. Please see our Privacy Policy and Cookie Policy for details of how we will process your personal data and how we use cookies and similar technologies.

7. Content available through the website

Access
Your access to any articles, podcasts, videos, live streams, photographs, images, information, data and other content displayed on the Website (“Content”) is permitted in accordance with, and subject to your compliance with, these General Terms.
Permitted use
You may only view, download and store on any compatible device, the Content for your own internal business operations and not for Commercial Gain as defined at clause 7.3.3 below.
Restriction on use
You must not:
use, or cause others to use, any automated system or software to extract Content from the Website except in cases where you or any applicable third party has entered into a written agreement with us that expressly permits such activity;
use the Content for any illegal or unauthorised purpose;
use, reproduce, modify, edit, mix or remix, apply any voiceover or commentary, display, perform, publish, distribute, disseminate, broadcast, frame, communicate to the public or circulate to any third party or exploit the Content in any way for your commercial gain. 'Commercial gain' may include any activity attracting any advertising revenue or subscription payments on distribution of or access to our content, or by reducing the need for any third party to subscribe to view our Content directly;
use Content in any way that is in contravention of any applicable law or regulation or in any manner that will violate the privacy, publicity or personal rights of others or in any defamatory, obscene, threatening, abusive or hateful material including without limitation using Website or any Content in connection or association with any obscene, defamatory, illegal, pornographic material or in relation to products and services that relate to firearms, gambling, pharmaceuticals, pornography or tobacco or otherwise than in accordance with normal standards of decency;
sell, transfer, rent, reverse engineer, reverse compile, modify or create derivative works of, tamper with or grant any rights in the Content without our prior written consent;
provide or otherwise make available the Content on the Platform to any person who is not authorised by us to access such content or otherwise attempt to obtain, or assist third parties in obtaining unauthorised access to the Content on the Platform;
use the Content to provide services to third parties;
introduce any viruses to the Website; or
demonstrate the operation of the Website to any third party who is a competitor of Nu-Credits.
Modification
You acknowledge that we may add, remove or otherwise modify Content at any time without notice.
Non-reliance
Content made available through the Website is for general information purposes only and is not intended to meet your particular requirements. Commentary and other materials posted through the Website are not intended to amount to advice, recommendation or endorsement on which reliance should be placed.

8. Intellectual property in the website and the content

The design of the Website, the Content and all software contained within the Website are protected by copyright, trade marks, patents and other intellectual property rights and laws. As between us and you all intellectual property rights subsisting in the Website and the Content shall at all times vest in Nu-Credits.
Neither the design of the Website nor the Content may be copied, recorded, reproduced, transmitted, stored, sold or distributed without our prior written consent except as otherwise permitted in these General Terms.
Further, you must not:
remove the copyright or trade mark notice or other proprietary notice contained in the Website and/or Content; or
use any Content in any manner that may infringe any of our rights or the rights of a third party.

9. Linking to our website

We will permit you to link to the home page of the Website provided you comply with the following:
you only do so in a way that is fair and legal and does not take advantage of or damage our reputation;
you do not suggest any form of association, approval or endorsement by us unless we have otherwise permitted; and
you do not link to any other page of the Website other than the home page.
We reserve our right to withdraw our permission to link in section 9.1 at any time without notice.
You may not frame or embed any page or part of a page of the Website or the Content on any third party website without our prior written consent.

10. If you breach these terms

If you do not follow, or we suspect you are not following, these General Terms then we may take any/all of the following actions:
issue a warning to you;
ban you, either temporarily or permanently, from accessing the Website;
take legal action against you; and/or
disclose such information to law enforcement authorities as we reasonably feel is necessary.
The responses described above at section 10.1 are not limited and we may take any other actions we reasonably deem appropriate.

11. Termination

We have the right to terminate your access to the Website at any time, without notice, for any reason, including without limitation, breach of these General Terms. We may also at any time, at our sole discretion, discontinue the Website or any part thereof without prior notice and you agree that we shall not be liable to you or any third party for any termination of your access to the Website.

12. Warranties, disclaimer and limitation on liability

PLEASE READ THIS SECTION CAREFULLY AS IT SETS OUT IMPORTANT INFORMATION CONCERNING OUR LIABILITY TO YOU AND YOUR LIABILTY TO US:
Warranties
We will endeavour to provide the Website and publish Content with reasonable skill and care will use reasonable efforts to promptly remedy any fault of which we are aware.
Other than as expressly set out in section 12.1, the Website is provided without any representation or endorsement made and without further warranty of any kind whether express or implied, including but not limited to the implied warranties of satisfactory quality, fitness for a particular purpose, non-infringement, compatibility, security and accuracy.
Third party content disclaimer
The Website may contain Content, the intellectual property rights in which belong to a third party (“Third Party Content”). We give no warranties, representations or undertakings in respect of any Third Party Content that are made available on the Website. Further the views and advice contained in any Third Party Content are those of the relevant third party and not us. Accordingly we do not take any responsibility for any views or advice contained in such Third Party Content.
Our liability to you
We will not be liable under these Terms for any loss or damage caused by us or any of our employees or agents in circumstances where:
there has been no breach of a legal duty of care which is owed by us or any of our employees or agents; and/or
the loss or damage is not a reasonably foreseeable result of any breach of these Terms.
You agree you will have no claim against us, in respect of any decision to remove the Website or any Content or any decision to suspend or terminate your access to the Website
In the absence of any negligence or other breach of duty by us, the use by you of the Website is entirely at your risk.

13. Your liability to us

You will be responsible for all claims, liabilities, damages, costs and expenses suffered or incurred by us as a result of your breach of these General Terms or default in the discharge of your obligations.
Nothing in this section 12 shall have the effect of excluding or limiting our liability or your liability for fraud or for death or personal injury caused by our/your negligence (as applicable).

14. Links to third party websites

The Website may include links to third party websites that are controlled and maintained by others. Any link to other websites is not an endorsement of such websites and you acknowledge and agree that we are not responsible for the content or availability of any such websites. We recommend you review those websites’ terms and conditions and privacy policies to ensure you are happy to use them.

15. Severance

If any of these Terms should be found to be invalid, illegal or unenforceable for any reason by any court of competent jurisdiction then such term shall be removed and the remaining terms shall survive and remain in full force and effect and continue to be binding on and enforceable by both of us.

16. Third party rights

A person who is not a party to these Terms has no rights under the Contracts (Rights of Third Parties) Act 1999 to enforce any of these Terms but this section does not affect a right or remedy of a third party which exists or is available apart from that Act.
 

17. Governing law

These General Terms and the use of the Website generally and any dispute or claim arising out of or in connection with them or their subject matter or formation (including non-contractual disputes or claims) will be governed by the law of England and Wales.
Any dispute or claim arising out of or in connection with such contracts or their formation (including non-contractual disputes or claims) shall be subject to the non-exclusive jurisdiction of the courts of England and Wales. 

18. Contact us

If you have any suggestions for improvements or additions that you would like to see on the Website, please send an email to us info@nu-credits.com.
Should you have a more formal enquiry or complaint about the Nu-Credits Content (including any Content), you should contact our customer services team at info@nu-credits.com and we will try to answer your enquiry or resolve any complaint as soon as possible.
Last update: Aug 2020