These terms and conditions, which include risk warnings and limitations and exclusions of our liability, govern your use of this website.

Last Updated: 20th December 2012

By accessing and continuing to use any part of this website, you the visitor are demonstrating you have accepted the terms and conditions set out below. We are committed to protecting the confidentiality and security of your personal information in accordance with the requirements of the Data Protection Act 1998 as amended. Your continued use of this website indicates you also agree to be bound by our privacy policy – please refer to the detailed information in our data protection policy contained in the “Privacy Policy and Cookies” link at the bottom of each page on this site.

Where the words “SKM Asset Finance Ltd”, “We“, “Us” or “Our” are used on this website, they are all references to SKM Asset Finance Limited.

This website is used consumers (“Consumers“). It is also used people who are not Consumers as well, such as business customers (“Business Customers“). Our responsibilities to you depend on whether you are a Consumer or a Business Customer.

Website Content

The information on this website is intended to provide information only and is not intended as an offer or solicitation to buy or sell securities or any other investment or banking product, nor does it constitute a personal recommendation. Before contemplating any transaction, you should consider whether you require financial advice, whether you are a Consumer or Business Customer.

The information on this website has been compiled in good faith to provide information about SKM Asset Finance Ltd and Our products and services. We try to ensure that information on this website is accurate and complete at the date of its publication and try to keep it as up to date as possible, but sometimes the website may not reflect the most current information. Opinions and information on this website, and in particular deposit account interest rates, are subject to change. Please ensure you have the latest information. We will not be liable to Our Business Customers where any information changes. Before acting on any information obtained from this website, you may check it by calling Us.

We do not provide any advice including financial, investment or tax advice. If you are unsure as to whether a product is suitable for you, you should seek your own professional advice.

This website includes hypertext links that will lead you to websites which are not under Our control and Our associated regulatory protections. When you activate any of these links you will leave Our website. We have no control over and will accept no responsibility or liability in respect of any website we do not control. The inclusion of any links does not necessarily imply a recommendation of any websites or endorse the views expressed within them.

Access to this website

We provide access to this website at Our absolute discretion. We reserve the right to withdraw or amend the service provided by the website at any time, and to restrict access to parts of the website.

We take reasonable precautions to ensure the security of this website. However, We will not be responsible for any loss or damage caused by other parties accessing this website in an unauthorized manner without Our knowledge and using it to facilitate distributed denial of service attacks, or distribute viruses or other technologically harmful material that may infect your computer equipment, computer programs, data or other material due to your use of this website or to your downloading material posted on it.

You must not misuse this website by knowingly introducing viruses, trojans or other material that is malicious or technologically harmful. You must not attempt to gain unauthorized access to this website, the server on which the website is stored or any devices connected to this website. You must not attack this website via a denial of service attack or a distributed denial of service attack. SKM Asset Finance Ltd may report any breach of this provision to the relevant authorities and may cooperate with them in any investigation, including by disclosing your identity.

Eligible Visitors

The services featured on this website are not available in all jurisdictions. It is SKM Asset Finance Ltd’s strict policy to not knowingly provide services or products to any person or organisation if it would be in violation of the law of their country of residence or registration. The information contained in this website is intended only for persons in the United Kingdom. The products and services mentioned on this website are subject to legal and regulatory requirements in various jurisdictions and we may not be able to offer them in all jurisdictions.

It is your responsibility to be aware of and comply with any relevant laws or regulations applicable in your jurisdiction.

E-mail Communications

E-mail communications between you, SKM Asset Finance Ltd and any of its employees are confidential, and may be subject to restrictions on how you can use them or to whom you can disclose them.


Save as set out in the rest of this section We shall only be liable for any loss or damage which is a reasonably foreseeable consequence of your use of this website in accordance with these terms. This does not apply where such use results in death or personal injury caused by Our negligent acts or omissions.

If you are a Business Customer then we accept no liability to you for loss of profits or other economic loss arising out of your use of this website other than in accordance with these terms.

Applicable Law

If you are not a Consumer your use of this website is governed by English Law, as are these terms of use and the English courts shall have exclusive jurisdiction over any disputes arising from this website. If you are a Consumer resident in another part of the UK, and the nature and circumstances of your residence indicate that you have a substantial connection with that part of the UK, you may also sue in the courts of that part of the UK.


All website design, text, graphics, the selection and arrangement thereof, all software compilations, underlying source code, software (including applets) and all other content on this website, are copyright material belonging to Us, Our affiliates, or their respective content and technology providers.

Visitors are permitted to print and download extracts from this site, provided:

(i) No documents or related graphics on this site are modified in any way;
(ii) Any use of the content of this site is for personal use of a strictly non-commercial nature; and
(iii) If copies of these pages are saved to disk, or to any other storage medium, they may only be used for the purpose of subsequent viewing or to print extracts for personal use.

Prior written permission must always be obtained from Us, before reproducing or storing any part of this website in any public or private retrieval system or service, including other third party websites.

Parts of this website are driven by software owned by parties other than SKM Asset Finance Ltd. Their individual trademarks, copyright and intellectual property rights are duly acknowledged. The visitor to this site must exercise all reasonable steps to protect those third party rights.



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