Terms of Use

1. About these terms

These terms of use govern your use of the Xova website (xova.co.uk and related pages). By using this website you accept these terms. If you do not agree with them, please do not use the site.

These terms apply to the website only. Use of the Xova platform itself is governed by a separate customer agreement between Xova and the subscribing business.

2. Acceptable use

You may use this website for lawful purposes only. You must not:

• Use the site in any way that breaches applicable law or regulation.
• Attempt to gain unauthorised access to the site, its servers or any connected systems.
• Introduce viruses, malware or other harmful material.
• Scrape, harvest or collect information from the site by automated means without our consent.
• Use the site to send unsolicited marketing or to impersonate another person or business.
• Do anything that could damage the site's availability, performance or reputation.

We may suspend or restrict access to the site at any time where we reasonably believe these terms have been breached.

3. Intellectual property

The Xova name, logo, arrow device, brand assets and all content on this website, including text, design, graphics and articles, are owned by or licensed to Business Finance Market Limited and are protected by intellectual property laws. You may view and print pages for your own internal business use, but you must not reproduce, modify, distribute or use any part of the site or the Xova brand for commercial purposes without our prior written consent.

4. Information on this site: not advice

The content on this website, including our Insights articles, is provided for general information only. It does not constitute financial, legal, regulatory, tax or compliance advice, and it is not a recommendation or an offer of any product or service.

While we work to keep information accurate and up to date, we make no representations or warranties of any kind about its completeness, accuracy or suitability. Commercial lending and compliance requirements change over time; you should take professional advice before acting on anything you read here.

5. External links

This website may link to third-party websites, such as regulators, government bodies, trade associations and lenders. These links are provided for convenience. We have no control over the content of those sites and accept no responsibility for them or for any loss that may arise from your use of them. A link does not imply endorsement.

6. Our liability

Nothing in these terms excludes or limits our liability for death or personal injury caused by our negligence, for fraud or fraudulent misrepresentation, or for anything else that cannot be excluded or limited by law.

This website is aimed at business users. To the extent permitted by law, we exclude all implied conditions, warranties and representations, and we will not be liable for any loss of profit, revenue, business, data or goodwill, or for any indirect or consequential loss, arising from your use of, or inability to use, this website or its content.

We do not guarantee that the site will always be available, uninterrupted or free from errors, and we may update, suspend or withdraw any part of it without notice.

7. Governing law

These terms, and any dispute or claim arising out of or in connection with them or your use of this website, are governed by the laws of England & Wales. The courts of England & Wales will have exclusive jurisdiction, except that if you are a consumer resident elsewhere in the UK you may also bring proceedings in your local courts.

8. Changes to these terms

We may revise these terms from time to time. The version posted on this page, with its "last updated" date, is the version that applies. Please check this page occasionally to stay familiar with the current terms.