These legal Terms and Conditions are between you and Scroll Finance Limited (“Scroll”, “us”, “we”) whose registered office is at 6th Floor One London Wall London EC2Y 5EB. Your use of the Scroll website (at www.scrollfinance.com) and/or mobile application (“Scroll Home”) which are together referred to in these Terms and Conditions as a “platform”, means you are bound by these Terms and Conditions.
IF YOU DO NOT WISH TO BE BOUND BY THESE TERMS AND CONDITIONS, YOU SHOULD NOT USE THIS PLATFORM.
Scroll aims to provide homeowners and landlords with market leading financial services, property-related analytics and services related to home improvements.
We may alter these Terms and Conditions from time to time. Where we do, we will notify you of these changes by posting those changes on this platform. Where you have previously agreed terms and conditions, we will not vary these terms. Any amended Terms and Conditions will apply to your use of this platform from the date they are posted and if you do not agree with the amended Terms and Conditions, you should cease using this platform at that time.
If you are using our mobile application, there may also be app store terms that apply to your use of the mobile application. Please ensure you are aware of and comply with any such terms. If there is any conflict between these Terms and Conditions and the app store terms, the app store terms will prevail.
This platform is intended for residents of the United Kingdom aged 18 or over.
Use of our Platform
You must only use the platform for your personal use or, if a business user, for legitimate business purposes.
It is your responsibility to ensure that all information you give to us or enter onto this platform is complete and accurate.
You will avoid doing anything that has a detrimental effect on us or other users of this platform.
You will not use any method to extract information from the platform including the use of spiders, data mining, trawling or other ‘screen scraping’ software or equivalent.
You will not gather, extract, download, reproduce and/or display or advertise on any other platform, other online or off-line service or otherwise, any material on or from this platform, including but not limited to information relating to property valuation, whether that information has been gained by the use of spiders, data mining, trawling or other ‘screen scraping’ software or system used to extract data.
Any breaches in the use of our platform as set out, may lead us to take appropriate legal action.
Accuracy of Information
We allow you to access market leading financial services, property-related analytics and services related to home improvements.
Although we attempt to ensure that it is correct and accurate, we cannot guarantee the accuracy of the information on the platform. Nor can we guarantee that any information on the platform is suitable for your particular purposes.
We do not provide financial, investment or other advice in relation to the service provided, nor do we provide a recommendation or endorsement of any connected service providers, including but not limited to financial services providers and trade professionals such as building contractors.
Where we provide property valuations, either current valuation or potential valuation, you acknowledge that these are estimates only and you must only use them on this basis. Our property valuations are made on the basis of analysing property prices for equivalent properties in the area. Note that these comparisons might not be accurate as properties may differ in a number of ways which we are not considering, such as standard of construction and general condition or specific location. Valuations are, by their nature, subjective and reflective of market forces at the time and which are subject to change.
Any valuations we provide should not be used to make decisions on property investment, sale, purchase, mortgage or related purposes. Where you need advice, you should seek a professional valuation from a suitably qualified surveyor or other suitably qualified professional.
Where we provide cost estimates for a certain project, you acknowledge that these are estimates only and you must only use them on this basis. Our project cost estimates are made on the basis of analyzing similar projects, and Scroll will make assumptions on multiple factors, such as the type of contractor and builder carrying out the project.
Any valuations and project cost estimates we provide are for your use only and you should not permit any third party to rely on them. We shall not be liable for any losses you or anyone else suffers as a result of relying on the valuations.
Where, as part of our service, we share with you any details of any trade professionals, you acknowledge that we are not acting as a contractor or agent and are not responsible for any work done by a trade professional engaged following the use of our service. It is the responsibility of you to select a suitable trade professional(s) and to negotiate the terms for any work that they undertake. Scroll will not be involved or held liable for any service agreement between the you and a trade professional.
You warrant that before entering into a service agreement with any trade professional, you will verify further details such as confirmation of their insurance cover, their guarantees, their qualifications and any other documentation or information to ensure you are satisfied to employ the trade professional.
You acknowledge that Scroll is not a party to any service agreement, contract or other agreement that may arise between a you and trade professional as a result of you use of our service. Accordingly, we are not liable for any loss or damage that you incur resulting from any such agreement. This clause shall survive the termination of this agreement.
We have made reasonable efforts to ensure that the platform is accessible from a wide range of computers and browsers. However, we cannot absolutely guarantee that you will be able to access the platform if you change the hardware / software you are using, and we do not accept liability if you are unable to do so. We may suspend access to the platform without notice for any reason, including the maintenance and updating of the information on it. We reserve the right to amend, alter or add to information appearing on the platform at any time.
We have no control over or endorse any of the websites linked to the platform nor do we endorse any products or services advertised on them. We are not responsible for the content, accuracy, security or reliability of any websites or pages linked to the platform. Linking any websites to this platform is at your own risk and we shall not be responsible or liable for any damages resulting from or in connection with such links or websites.
You are not entitled (nor will you assist others) to set up links from other websites to the platform (whether by hypertext linking, deep-linking, framing, toggling or otherwise) without our prior written consent, which we may grant, withhold and withdraw at our absolute discretion.
You must not install or use the platform on a jail-broken or rooted device. From time to time we may update the platform. You should always use the latest version of the platform to help ensure your account remains secure. We may from time to time need to prevent you from using the platform or accessing your account via the platform if you are not using the latest version of the platform.
You must not share any passwords or PINs (if applicable) connected to our platform with any third party.
Copyright or other intellectual property rights protect the content and layout of the platform. This not only includes text but also software, data, forms, sound, music, graphics, animations, logos, and video clips. You may print off copies of product information for your own personal use. You may not copy, use, or print any material for any commercial, illegal, or immoral purpose. If you print off information, data, text, or forms, you must not alter, amend, or copy them, make any derivative works from them nor remove or obscure any logos, names or other proprietary or intellectual property marks showing ownership by us or any third party.
We, and any third parties connected to us exclude all liability and responsibility for any direct, incidental, consequential, indirect loss or damage incurred by you or any other user arising out of access to, use of, or inability to use our platform, any material from our platform or any linked websites or arising out of any communications sent to us over the internet, including without limitation, any liability for loss of income or revenue; loss of business; loss of profits or contracts; loss of anticipated savings; loss of data; loss of good will; wasted management or office time; loss or damage due to viruses that may affect your computer equipment; software or data; and for any other loss or damage of any kind, however arising and whether caused by tort (including negligence), breach of contract or otherwise, even if foreseeable.
This does not affect our liability for death or personal injury arising from our negligence (as such term is defined under the Unfair Contract Terms Act 1977), nor our liability for the tort of deceit or misrepresentation as to a fundamental matter, nor any other liability which cannot be excluded or limited under applicable law.
Jurisdiction and Governing Law
These Terms and Conditions are governed by English law and the English Courts will have exclusive jurisdiction in respect of all disputes arising out of or in connection with these Terms and Conditions.
If any provision of these Terms and Conditions is found to be unlawful, void or unenforceable, that provision shall be deemed severed from this agreement and shall not affect the validity and enforceability of the remaining provisions.
Scroll is committed to providing products and services to the very highest standards. If you feel that we have not lived up to your expectations, then we would like to hear from you. Please see our complaints policy for more information.