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Website Terms and Conditions

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

We reserve the right to alter any and all of these Terms at our discretion and shall amend the same by updating this page. You should review this page from time to time to take notice of any changes we make. The continued use of the web site 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 web site:

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 Portal you consent to such processing.

Our Cookie Policy, which sets out information about the cookies on our website.

Accessing our web site

Our web site is made available free of charge.

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

You are also responsible for ensuring that all persons who access our web site 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 represent or warrant that access to the website, or any part of it, will be uninterrupted, reliable or fault free. Access to our web site is permitted on a temporary basis. We reserve the right at our discretion at any time, with or without notice, to modify, suspend or discontinue all or any part of, temporarily or permanently, the web site . We will not be liable to you if for any reason our web site or any part of it is unavailable at any time or for any period.

Use of web site

The information, service and products on this web site 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 web site is designed to be accessed through its principal product home pages and such other pages as we may decide. If you access the site 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

Access to and use of this web site is at the user's own risk and we do not warrant that the use of this web site 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 do not guarantee that our site will be secure or free from bugs or viruses. 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 web site or to your downloading of any content on it. You should use your own virus protection software.

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

We will not be liable to any user 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 web site or any part of it; or
  • use of or reliance on any content displayed on the web site or any part of it.

In particular neither we nor any of our directors, employees or representatives will be liable for 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.

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 liability for death or personal injury resulting from our negligence 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 web site 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 web site 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. Consequently, we accept no liability for any losses or damages (whether direct, indirect, special, consequential or otherwise) arising out of errors or omissions. Also, we accept no liability in respect of losses or damages arising out of changes made to the content of this web site by unauthorised third parties. You are responsible for checking that information that you are using is up-to-date.


This web site may contain links to other web sites 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 web site. Such links should not be interpreted as endorsement by us of those linked websites. We cannot be liable for any loss or damage which may arise from the use of such third party web sites. 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 site in any website that is not owned by you. Our site must not be framed on any other site, nor may you create a link to any part of our site other than the home page. We reserve the right to withdraw linking permission without notice.

Intellectual Property

This web site 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 web site. 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 web site (including the manner in which the web site or any part of it is presented or appear and all information and documentation relating thereto) is owned and shall remain our sole property or is licensed by 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 web site 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 web site 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 site for your personal use and you may draw the attention of others within your organisation to content posted on our site.

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 site must always be acknowledged.

You must not use any part of the content on our site 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 site in breach of these terms, your right to use our site will cease immediately and you must, at our option, return or destroy any copies of the materials you have made.

Your obligations

You agree:

  • not to use the web site for any illegal or fraudulent purpose and in accordance with all relevant laws;
  • not to use the web site to distribute 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 web site such that the whole or part of the web site is interrupted, damaged, rendered less efficient or such that the effectiveness or functionality of the web site or applicable systems are in any way impaired and not to attack our site 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 web site, the server on which our site is stored or any server, computer or database connected to our site;
  • that you will not use any robot, spider, scraper or other automated means to access the web site for any purpose without our express written permission;
  • not to bypass measures we may use now or in the future to prevent or restrict access to the web site or certain information contained therein; and
  • to not disassemble or reverse engineer the web site.


The contents of this web site do not purport to provide any financial, investment or professional advice and nothing on the pages of this web site shall be deemed to constitute the provision of financial, investment or other professional advice in any way.

Governing Law

The web site is controlled and operated by us from the United Kingdom The terms and conditions of this web site are governed by the laws of England. Any dispute regarding this web site shall be subject to the exclusive jurisdiction of the English courts. The information contained in the web site may not satisfy the laws of any other country. If you access the web site or any part of it from outside the United Kingdom you do so on your own initiative. If this term or any of these terms is found to be invalid by a court with competent jurisdiction, the remaining terms will be unaffected and remain valid.


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

In these conditions:

  • "we", "us" and "our" means JCB Finance Ltd including where the context so allows, its shareholders, employees, affiliates; and
  • "you" and "your" and "users" means the person who is looking to use the web site 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