top of page

Terms & Conditions

A legal disclaimer

The explanations and information provided on this page are only general and high-level explanations and information on how to write your own document of Terms & Conditions. You should not rely on this article as legal advice or as recommendations regarding what you should actually do, because we cannot know in advance what are the specific terms you wish to establish between your business and your customers and visitors. We recommend that you seek legal advice to help you understand and to assist you in the creation of your own Terms & Conditions.

Terms & Conditions - the basics

Having said that, Terms and Conditions (“T&C”) are a set of legally binding terms defined by you, as the owner of this website. The T&C set forth the legal boundaries governing the activities of the website visitors, or your customers, while they visit or engage with this website. The T&C are meant to establish the legal relationship between the site visitors and you as the website owner. 

 

T&C should be defined according to the specific needs and nature of each website. For example, a website offering products to customers in e-commerce transactions requires T&C that are different from the T&C of a website only providing information (like a blog, a landing page, and so on).     

 

T&C provide you as the website owner the ability to protect yourself from potential legal exposure, but this may differ from jurisdiction to jurisdiction, so make sure to receive local legal advice if you are trying to protect yourself from legal exposure.

What to include in the T&C document

Generally speaking, T&C often address these types of issues: Who is allowed to use the website; the possible payment methods; a declaration that the website owner may change his or her offering in the future; the types of warranties the website owner gives his or her customers; a reference to issues of intellectual property or copyrights, where relevant; the website owner’s right to suspend or cancel a member’s account; and much, much more. 

 

To learn more about this, check out our article “Creating a Terms and Conditions Policy”.

UnderBanks Commercial Finance

UnderBanks Commercial Finance

We are a credit broker not a lender.

UnderBanks Property  Club is a trading name of Underbanks Commercial Finance, is registered at UnderBanks Haus, 8a Mealhouse Brow, Stockport, SK1 1JP Company Register Number 13537968. Our FCA registration number is 956374. You can check via www.register.fca.org. We are registered with the ICO, ZB148267 and you can check via www.ico.org.uk. Underbanks Commercial Finance is an Appointed Representative of Optimum ELITE which is a trading name of Optimum Commercial Solutions Ltd, registered in England and Wales 09518480. Optimum Commercial Solutions Ltd is authorised and regulated by the Financial Conduct Authority FRN: 808754. We conduct both regulated and unregulated business and therefore not all products provided through us are regulated by the Financial Conduct Authority. We may receive a commission from the Lender that will vary depending on the lender, product or other permissible factors. The nature of any commission model will be confirmed to you before you proceed. Our aim is to provide you with a professional and efficient service. However, there may be occasions where you feel this has not been achieved and should you wish to make a complaint about any aspect of the service we provide to you, you can do this by writing to Underbanks Commercial Finance, UnderBanks Haus, 8a Mealhouse Brow, Stockport, SK1 1JP , or by telephoning us on 0161 5364131 where we will try to resolve your concern at the earliest time possible.

0161 5364131

commercial@underbanks.co.uk

8a Mealhouse Brow

Stockport

SK1 1JP

  • Linkedin
  • Facebook
  • Instagram

 

© 2026 by UnderBanks Commercial Finance. Powered and secured by Wix 

 

bottom of page