Kashkind Ltd, Terms of Service
KashKind Ltd helps UK firms access business finance, working directly with businesses and their advisors. We are a credit broker and do not provide loans ourselves. All finance and quotes are subject to status, credit checks and income. Applicants must be aged 18 and over and terms and conditions apply. Guarantees and Indemnities may be required. KashKind Ltd can introduce applicants to a number of providers based on the applicants' circumstances and creditworthiness. KashKind Ltd may receive a commission or finder’s fee for effecting such introductions.
Kashkind may also charge customers consulting fees, retainers and commission based on their funding requirements. Funding is not guaranteed and will be based on the financier and customer agreeing to specific funding terms and conditions. Both the financier and the company receiving the finance are fully responsible for doing their own due diligence, legal compliance and finalising their agreements. Kashkind bears no responsibility in this funding process. Kashkind role in the funding process is limited to being an introducer.
© KashKind Ltd · Authorised and Regulated by the Financial Conduct Authority · Reference Number 845458. Kashkind Ltd is a company registered in England and Wales
These terms and conditions (“Terms of Service”), which include our Privacy Policy, govern the use of the credit broking service (“Service”) provided by KashKind Ltd (“we”, “us”, “our”) to any business registered with us (“you”, “your”).
KashKind Ltd is incorporated in England & Wales with its registered office at 20-22 Wenlock Road, London (company number 11836604).
We are a finance introducer for UK registered Ltd companies, not a lender.
“Business Day” means any day which is not a Saturday, a Sunday or a bank or public holiday in England.
We only collect information from our clients with their permission, that is necessary to pass on to the Financial Service Provider (bank, Institutional Lender or Broker) for the purpose of the finance application. The processing of the application is done by the designated Financial Service Provider. KashKind may also run a credit check and verify information when required.
Limitations of what we offer
Our Service is intended for your own business-related purposes only.
We do not provide debt counselling or debt advice. If you'd like support in this area, we suggest you contact Business Debtline. We cannot guarantee that our Service will be successful for you, neither are we obliged to provide our Service to you.
Our Service is based on information from third parties over which we have no control, and may contain inaccuracies or errors. Where you have not made us aware of your specific needs, it is your responsibility to ensure that any recommendations made through the Service meets your requirements. Content and information provided as part of the Service may not be timely or correct, and will change without notice, meaning that it is for your general information and use only.
To support free usage of our Service, we must expressly exclude liability for any inaccuracies, service failures or errors to the fullest extent permitted by law. Accordingly, we cannot provide any warranty or guarantee as to the accuracy, timeliness, performance, completeness or suitability of the information offered through the Service.
To the extent permitted by applicable law, each party shall only be liable to the other party for any loss or damage which results as a directly foreseeable consequence of its breach of this Agreement or negligence (except in the case of fraud or wilful misconduct).
Nothing in these terms shall seek to exclude or limit liability for death or personal injury or any other liability that cannot be lawfully excluded or limited. While the Service is free of charge to you, we will receive commission from Financial Service Providers for introductions we make to them. The Service is not intended as advice or to be relied upon by you in any way, including as the basis for making or not making any decision, and you should obtain your own independent financial, accounting, tax and/or legal advice concerning your activities in connection with the Service and any finance application and/or agreement.
You use and download information from the Service at your own risk and should use software to detect and disinfect viruses in any information you use and download.
The availability of third party sites, links, services or information via the Service does not constitute any recommendation, advice, endorsement or publication by us and we are not responsible for any such sites, links, services or information provided by any third party.
We reserve the right to change any aspect of the Service at any time without notice or to suspend access to the Service, or end it.
Your usage and responsibilities
By using the Service, you agree to notify us promptly of any changes in the details you have provided to us. You shall ensure that all information you provide to us is complete, true, up-to-date and accurate in all respects. You are solely responsible at your own cost and expense for creating backup copies and replacing any information you provide via the Service.
You agree that we and our Financial Service Lenders may carry out identity verification and credit checks on you and your owners or directors. You and your owners or directors acknowledge that credit reference agencies link together the records of you and anyone that you have advised is a financial associate (e.g. someone with whom you have a joint credit account) including previous and subsequent names of parties to the account. Links between financial associates will remain on yours, and their, credit reference files until such time as you or your associate successfully files for a disassociation with the credit reference agencies. We and any Finance Provider may take into account information about yours and your owners’ or directors’ financial associates in yours or their credit reference.
You agree to keep your username and password secure and when they are used to log-in we will assume that you are the person giving instructions and you will be liable for them unless and until you notify us that this is no longer the case. You are responsible for any activity through the Service arising out of any failure to keep your password secure. We may refuse or disable your access at our sole discretion without notice or explanation where it is lawful to do so.
If at any time you wish to cease using the Service, you may contact us to request deactivation of your account. Within a reasonable time of this notification, we will remove any third-party data access you may have given us. Historical data will be maintained by us as described below.
If you have agreed to pay us for any aspect of the Service, you recognise that we may withdraw your rights to use the Service as a result of non-payment.You agree not to use the Service in a way that harms our reputation, and you agree to comply with all applicable laws and regulations, including the General Data Protection Regulations (GDPR).You agree to indemnify and hold us, our staff, officers, group companies and partners harmless from loss, damage or claim, made by third parties and/or incurred as a result your breach of these terms.
We will make reasonable efforts to provide support for the Service during office hours by email support@kashkind.com, or by telephone on +44 02031980126.
Our intellectual property
You recognise that unless otherwise stated in writing we do not grant you any intellectual property rights in relation to the Service, which include copyright, database rights, our trademarks, domain names, design rights and patents.
In addition, the Service contains material which is owned by us or our licensors, including but not limited to source code, algorithms, databases, copy and graphics, and you recognise that unless otherwise stated in writing, we do not grant you any rights to these. You may only link to the home page of the Service. You must not display, frame or otherwise surround the contents or any page from the Service, or allow such content or page to be displayed framed or otherwise surrounded, with material not originating from us without our prior written consent.
You will not acquire any proprietary rights (including database rights) to any information provided via the Service.
You will not:
a. use the Service to:
i. collect any information of other users from the Service for the purpose of sending unsolicited communications outside the Service;
ii. create a database of information obtained from this Service otherwise than for your own records;
iii. transfer any information form the Service to any third party except where expressly permitted by us;
b. use automated scripts to collect information from or otherwise interact with the Service;
c. use the Service in any unlawful manner or in any manner that could harm the Service or the servers on which it is hosted;
d. register any person or entity on, or otherwise use, the Service without that person or entity's prior written authorisation;
e. impersonate any person or entity, create a false identity in relation to the Service or falsely state or otherwise mislead or deceive us;
f. remove any copyright or trade mark notice(s) from any material on or obtained via the Service.
Our management of data
We take data protection very seriously and we are committed to taking care of your business data in accordance with the provisions of our Privacy Policy.
As part of providing our Service to you our systems will gather data provided by you, in some instances from your systems such as accounting software, as well as from third-party sources.
As part of providing our Service to you we may share data provided by you with our panel of approved Lenders, and those Lenders will share with us information regarding your case such as its current status and outcome
Our usage of such data may involve interfacing to third party systems, to enhance the databases we use to provide the Service and our Services to others, and for monitoring of performance, statistical analysis and the identification of improvements to the Service.
By using our Services to provide data to us, you agree to grant us an irrevocable, royalty-free, sub-licensable, transferable, perpetual license to use, copy, reformat, translate, excerpt (in whole or in part) and distribute these data for any purpose on or in connection with the Service, to prepare derivative works of, or incorporate into other works. We may share this information with other third parties who assist us in providing the Service. In such circumstances, any data used will be anonymous and will not identify you as the source unless we receive your permission to do so. If you choose to remove your data, this license will expire, provided that you acknowledge (a) we may retain archived copies and (b) we are required to maintain records that are relevant to demonstrating our compliance with the Regulations for no less than five years from the date on which the records were created.
Client money
For the avoidance of doubt, KashKind does not hold or in any way handle any client monies whatsoever.
Complaints
If you want to make a complaint you can email support@kashkind.com with brief details of your complaint and your reference. We will acknowledge your complaint within three Business Days, then investigate and send you an initial response within another three Business Days. We will aim to resolve the matter within four weeks of receiving your complaint. If within eight weeks after receiving a complaint we are still not able to resolve the matter, we will send you a final response
Other terms
We reserve the right to vary these terms and conditions at any time, including assigning these terms.
We may send any notices to you by email to the address provided when you signed up to the Service, or otherwise as updated by you through the Service. You agree that we may send you notices via email or via alerts within the service.
If any provision of these terms is found to be invalid or unenforceable, the remaining provisions shall remain enforceable. Failure to exercise or enforce rights or provisions shall not constitute a waiver.
Your use of the Service is subject to English law, and we both agree to submit to the jurisdiction of the English courts to settle any dispute that might arise.
Specified information
a. the name of the small or medium sized business;
b. the postal address, email address and telephone number of the business;
c. the amount of finance requested by the business (other than in relation to a request for a credit card account, unless the business has requested a credit card account with a specified limit);
d. the type of finance requested by the business (where a specific type of finance has been requested by the business);
e. the legal structure of the business (limited company, limited partnership, partnership sole trader, or other);
f. the period in years and months for which the business has been trading and receiving income;
g. the date by which the business requires finance or, if such date is not known, the date by which the business has requested finance.
Cookie Policy
What are cookies?
Cookies are small pieces of data stored on your browser, computer or other device when you visit websites, including our website (“our Website”). Cookies usually contain anonymous information which is accessible by the website which set it, on each later visit to that website or sometimes when you visit other websites.
Please note that we can also collect information about your usage of our Website from data contained in “log files”. Log files are not cookies; they do not contain any personal data; and they are not used to identify your personal use of our Website. When you request any web page from our Website, web servers automatically obtain your domain name and internet protocol (“IP”) address, but they reveal nothing personal about you and that data is only used to examine Website traffic in aggregate, to investigate abuse of our Website and its users, and/or to cooperate with law enforcement. Such data is not disseminated to third parties, except in aggregate.
How do we use cookies?
We use cookies to store the following data:
• How you use our Website
• Identifiers such as your device and location
• Your preferences for our Website and services
Cookies cannot harm your computer or other device.
What cookies do we use?
There are four different types of cookie, which we explain here, and then we set out the cookies we uses in the table below.
• Necessary cookies: those required for the operation of our Website, which do not gather information about you that could be used for marketing or remembering where you have been on the internet.
• Analytical/performance cookies: these allow us to collect information about how you use our Website, such as, how you move around our Website and if you experience any errors. These cookies do not collect personal data. The information collected is anonymous and is only used to help us improve the way our Website works, understand what interests our users generally and measure how effective our advertising is. Some of the performance cookies we use are issued as part of services provided by third parties, like Google Analytics.
• Functionality cookies: these are used to provide services or to recognise you when you return to our Website. These would enable us to personalise our content for you, greet you by name and remember your preferences and improve your visit.
• Targeting cookies: these record your visit to a certain website, the pages you have visited and the links you have followed. They are linked to services provided by third parties, such as "Like" and "Share" buttons, in return for recognising that you have visited the relevant website. The third party may subsequently use information about your visit to target advertising to you on other websites and present you with advertisements that you may be interested in.
We use cookies on the KashKind.com website and through Google Analytics.
How do I manage my cookie settings?
Please note that configuring your computer and/or mobile browser to reject ‘necessary’, ‘performance’ or ‘functional’ cookies may severely impact your experience on our Website and some parts of our Website will not function at all.
All browsers provide tools that allow you to control how you handle cookies: accept, reject or delete them. These settings are normally accessed via the ‘settings’, 'preferences' or 'options' menu of the browser you are using, but you could also look for a ‘help’ function or contact the browser provider.
You should check the privacy policy any third party service(s) you may use that set Targeting cookies on your browser or device. You may also be able to use tools provided by those third parties (and the third parties mentioned in the table above) to prevent their Targeting cookies being set.
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