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Website Terms and Conditions

This website,, is owned and maintained by JCB Finance Ltd ("We"). We are registered in England and Wales under company number 972265 and have our registered office and main trading address at The Mill, High Street, Rocester, Staffordshire, ST14 5JW. We are a limited company. We are authorised and regulated by the Financial Conduct Authority. For Insurance Mediation, we are an appointed representative of NatWest Group PLC, which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. JCB Finance Ltd's registered VAT number is GB 243 8527 52.

The use of this website is subject to the following terms and conditions (together with the documents referred to) which you should read carefully (the "Terms"). Use of our website includes accessing, browsing or registering to use any element of our website. By using this website, whether as a guest or registered user, you confirm that you accept these Terms and agree to be legally bound by them. If you do not accept these Terms, please do not use this website.

We reserve the right to alter any and all of these Terms at our discretion from time to time and shall amend the same by updating this page. Every time you wish to use our website, please check these Terms to ensure you understand the terms and conditions that apply at that time. The continued use of the website by you constitutes acceptance of the changes and you would then be bound by any such revision.

Other applicable terms

The following additional terms also apply to your use of the website:

  1. Our Privacy Policy, which sets out the terms on which we process any personal data we collect from you, or that you provide to us. By using the website you consent to such processing.
  2. Our Cookie Policy, which sets out information about the cookies on our website.


Accessing our website

Our website is made available free of charge.

You are responsible for making all arrangements necessary for you to have access to the website.

You are also responsible for ensuring that all persons who access our website through your internet connection are aware of these Terms and other applicable terms and conditions, and that they comply with them.

We provide the website and its contents on an "as is" and "as available" basis. We do not guarantee, represent or warrant that access to the website, or any part of it, will be available, uninterrupted, reliable or fault free. Access to our website is permitted on a temporary basis.

We reserve the right at our discretion at any time, with or without notice, to modify, update, suspend or withdraw all or any part of the website, temporarily or permanently, for business and operational reasons. We will try to give you reasonable notice of any suspension or withdrawal. We will not be liable to you if for any reason our website or any part of it is unavailable at any time or for any period.

We may transfer our rights and obligations under these Terms to another organisation. We will always tell you in writing if this happens and we will ensure that the transfer will not affect your rights under these Terms.

Use of website

The information, service and products on this website are intended for use by residents of the UK only, and are not aimed at or intended for use by residents of any other jurisdiction.

This website is designed to be accessed through its principal product home pages and such other pages as we may decide. If you access the website through individual pages directly, which are designed for this purpose, you may not see important information which is relevant to a full understanding of our products and services. You will be referred on certain site pages to read 'Important Information'. This Important Information will contain important product details and relevant legal or regulatory information and should be read in conjunction with the relevant site pages.

Exclusion of liability

We do not guarantee that our website will be secure or free from bugs or viruses. You are responsible for configuring your information technology, computer programmes and platform to access our website. You should use your own virus protection software.

If you are a business user:

Access to and use of this website is at the user's own risk and we do not warrant that the use of this website or any material downloaded from it will not cause damage to any property, including but not limited to loss of data or computer virus infection. We will not be liable for any loss or damage caused by a virus, distributed denial of service attack, or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of our website or to your downloading of any content on it.

To the extent permitted by law, we exclude all implied conditions, warranties, representations or other terms which may apply to our website or any content on it.

We will not be liable to you for any loss or damage, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, even if foreseeable, arising under or in connection with:

  • use of, or inability to use, the website or any part of it; or
  • use of or reliance on any content displayed on the website or any part of it.

In particular, neither we nor any of our directors, employees or representatives will be liable for any indirect or consequential loss or damage, for any wasted time or expenditure, loss of profits, business revenue, sales, or business, business interruption, loss of expected savings, loss of goodwill, loss of or damage to property, loss of data.

If you are a consumer user:

Please note that we only provide our website for domestic and private use. You agree not to use our website for any commercial or business purposes, and we have no liability to you for any loss of profit, loss of business, business interruption, or loss of business opportunity.

If defective digital content that we have supplied, damages a device or digital content belonging to you and this is caused by our failure to use reasonable care and skill, we will either repair the damage or pay you compensation.

For consumers and business users:

Nothing in these Terms shall exclude or limit our duties and liabilities under any applicable legislation or any conduct of business rules which we are bound to comply with. Further, nothing in these Terms shall attempt to exclude or limit in any way our liability to you where it would be unlawful to do so. This includes liability for death or personal injury resulting from our negligence or the negligence of our employees, agents or subcontractors, or for fraud or fraudulent misrepresentation made by us or on the part of our employees whilst acting in the course of their employment.

No reliance on information

Certain data within the website may be provided by third parties, the content of which is outside of our control. In respect to our own content, whilst we use reasonable efforts to include accurate and up-to-date information on the website we make no representations, warranties or guarantees, whether express or implied, in respect of the information, content, materials or products and that the same be accurate, complete or up-to-date or free from errors or omissions. You are responsible for checking that information that you are using is up-to-date.


This website may contain links to other websites which are hosted and maintained by third parties. We have no control over the content or security of any such site. You link to such sites at your own risk, and we make no representations regarding the content of any such website. Such links should not be interpreted as endorsement by us of those linked websites and the links are provided for your information only. We cannot be liable for any loss or damage which may arise from the use of such third party websites.

You may link to our home page, provided that you do so in a way that is fair and legal and does not damage our reputation or take advantage of it. You must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part where none exists. You must not establish a link to our website in any website that is not owned by you. Our website must not be framed on any other site, nor may you create a link to any part of our website other than the home page. We reserve the right to withdraw linking permission without notice.

Intellectual Property

This website contains trade marks belonging to JCB Finance and other companies in NatWest Group PLC and the JCB Group. The unregistered trademarks include graphics, logos, words, phrases and icons contained on this website. No rights are granted in respect of any of the above trade marks. If you are in doubt whether an item is a trade mark of JCB Finance, The NatWest Group PLC or the JCB Group, please contact us for clarification at the address below.

Any copyright displayed on our website (including the manner in which the website or any part of it is presented or appear and all information and documentation relating thereto) and other intellectual property rights in our website are owned by us and shall remain our sole property or are licensed to us and reproduced under the authority of their owner. Those works are protected by copyright laws and treaties around the world. All such rights are reserved. You are not granted any rights in the same.

No content of the website may be reproduced, copied, published, transmitted, modified or distributed in any way or form (except as may be required by law) other than as follows:

  • you may reproduce any content which the website itself generates into any form of media which is able to be reproduced or transmitted (e.g. PDF);
  • you may print off one copy, and may download extracts, of any page(s) from our website for your personal use and you may draw the attention of others within your organisation to content posted on our website.

You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text.

Our status (and that of any identified contributors) as the authors of content on our website must always be acknowledged.

You must not use any part of the content on our website for commercial purposes without obtaining a licence to do so from us or our licensors.

If you print off, copy or download any part of our website in breach of these Terms, your right to use our website will cease immediately and you must, at our option, return or destroy any copies of the materials you have made.

Your obligations

If you choose, or you are provided with, an account username, password or any other piece of information as part of our security procedures, you must treat such information as confidential. You must not disclose it to any third party.

We have the right to disable any account username or password, whether chosen by you or allocated by us, at any time, if in our reasonable opinion you have failed to comply with any of the provisions of these Terms.

If you know or suspect that anyone other than you knows your account username or password, you must promptly notify us at

You agree:

  • not to use the website for any illegal or fraudulent purpose and in accordance with all relevant laws;
  • not to misuse the website by knowingly introducing or distributing by any means computer viruses, worms, trojans, logic bombs, time-bombs, keystroke loggers, spyware, adware or other material which is malicious or technologically harmful;
  • not to use the website such that the whole or part of the website is interrupted, damaged, rendered less efficient or such that the effectiveness or functionality of the website or applicable systems are in any way impaired;
  • not to attack our website via a denial-of-service attack or a distributed denial-of-service attack;
  • not attempt to gain any unauthorised access to any part or component of the website, the server on which our website is stored or any server, computer or database connected to our website;
  • that you will not use any robot, spider, scraper or other automated means to access the website for any purpose without our express written permission;
  • that you will not conduct, facilitate, authorise or permit any text or data mining or web scraping in relation to our website or any services provided via, or in relation to, our website;
  • not to bypass measures we may use now or in the future to prevent or restrict access to the website or certain information contained therein; and
  • to not disassemble or reverse engineer the website.

If you upload any content to our website or submit any content to us, for example, if you fill in an enquiry form or a complaints form, such content must not be defamatory, obscene, offensive, hateful, inflammatory or contain any illegal content or promote any illegal content or activity.

Any content you upload to our website will be considered non-confidential and non-proprietary. You retain all of your ownership rights in your content, but you are required to grant us a limited licence to use, store and copy that content and to distribute and make it available to third parties.


The content on our website is provided for general information only. It is not intended to amount to advice on which you should rely, and does not purport to provide any financial, investment or professional advice. Nothing on the pages of this website shall be deemed to constitute the provision of financial, investment or other professional advice in any way. You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of the content on our website.

How we may use your personal information

We will only use your personal information as set out in our Privacy Policy.

Governing Law

The website is controlled and operated by us from the United Kingdom. The terms and conditions of this website, their subject matter and their formation, are governed by the laws of England.

If you are a consumer, you and we both agree that the courts of England and Wales will have exclusive jurisdiction except that if you are a resident of Northern Ireland you may also bring proceedings in Northern Ireland, and if you are resident of Scotland, you may also bring proceedings in Scotland.

If you are a business, we both agree to the exclusive jurisdiction of the English courts.

The information contained in the website may not satisfy the laws of any other country. If you access the website or any part of it from outside the United Kingdom you do so on your own initiative.


We welcome your views about our website. If you would like to contact us with any queries, comments or complaints please send an email to

If any of these terms are found to be invalid by a court with competent jurisdiction, the remaining terms will be unaffected and remain valid.

In these Terms:

  • "we", "us" and "our" means JCB Finance Ltd including where the context so allows, its shareholders, employees, affiliates;
  • "you" and "your" and "users" means the person who is looking to use the website in accordance with the Terms;
  • "Terms" means these general terms and conditions of use as varied from time to time.

JCB Finance Ltd
The Mill, High Street, Rocester, Staffordshire, ST14 5JW
Registered number: 972265