Monday to Friday, 8am to 6pm

TERMS & CONDITIONS

Please read these conditions carefully before using this website.

Introduction

The terms “we,” “us,” and “our” refer to Evangate Financial Services Ltd (EvangateFS). The term the “Site” refers to evangatefs.com. The terms “user,” “you,” and “your” refer to site visitors, customers and any other users of the site.

Use of this Site, including all materials presented herein and all online services provided by EvangateFS is subject to the following Terms and Conditions. These Terms and Conditions apply to all site visitors, customers, and all other users of the site. By using the Site, you consent to these Terms and Conditions, without modification, and acknowledge reading them.

Company Details

Evangate Financial Services Ltd is registered in Scotland with company number SC583768. Our registered office is 14 Wellhead Close, South Queensferry, EH30 9WA. For any enquiries regarding this Site, please write to us at the address above or contact kyle@evangatefs.com by email or by calling 0131 331 5995.

Use Of This Site

To access or use the Site, you must be 18 years of age or older and have the requisite power and authority to enter into these Terms and Conditions. Children under the age of 18 are prohibited from using the Site. Information provided on the Site and is subject to change. EvangateFS makes no representation or warranty that the information provided, regardless of its source is accurate, complete, reliable, current, or error-free. EvangateFS disclaims all liability for any inaccuracy, error, or incompleteness of the content.

These Terms and Conditions are in addition to our privacy and cookie policy.

Online Forms

In order to provide our Service, you will be required to provide information about yourself including your name, email address, telephone number, and other personal information. You agree that any personal information that you provide to EvangateFS will always be accurate, correct, and up to date. You must not impersonate someone else or provide account information or an email address other than your own.

Lawful Purposes

You may use the Site for lawful purposes only. You shall not post or transmit through the Site any material which violates or infringes the rights of others, or which is threatening, abusive, defamatory, libellous, invasive of privacy or publicity rights, vulgar, obscene, profane, or otherwise objectionable, contains injurious formulas, recipes, or instructions, which encourages conduct that would constitute a criminal offense, give rise to civil liability, or otherwise violate any law.

Our Intellectual Property

The Site contains intellectual property owned by EvangateFS, including trademarks, copyrights, proprietary information, and other intellectual property. All intellectual property, including EvangateFS’s copyrighted materials shall remain the sole property of EvangateFS. No license to sell or distribute our material is granted or implied.

You may not modify, publish, transmit, participate in the transfer or sale of, create derivative works from, distribute, display, reproduce or perform, or in any way exploit in any format whatsoever any of the Site or intellectual property, in whole or in part, without our prior written consent. 

Material You Submit To The Site

You shall not upload, post or otherwise make available on the Site any artwork, photos, or other materials (collectively “Materials”) protected by copyright, trademark, or other proprietary right without the express written permission of the owner of the copyright, trademark, or other proprietary right, and the burden of determining that any Materials are not so protected rests entirely with you. You shall be liable for any damage resulting from any infringement of copyrights, trademarks, or other proprietary rights, or any other harm resulting from such a submission. For all Materials submitted by you to the Site, you automatically represent or warrant that you have the authority to use and distribute the Materials, and that the use or display of the Materials will not violate any laws, rules, regulations, or rights of third parties.

We claim no intellectual property rights over the material you supply to EvangateFS. You retain copyright and any other rights you may rightfully hold in any content that you submit through the Site. Content you submit to EvangateFS remains yours to the extent that you have any legal claims therein. You agree to hold EvangateFS harmless from and against all claims, liabilities, and expenses arising out of any potential or actual copyright or trademark misappropriation or infringement claimed against you. By posting material on the Site, you grant us a worldwide, nonexclusive, irrevocable license to use the material for promotional, business development, and marketing purposes.

Limitation Of Liability

YOU AGREE THAT UNDER NO CIRCUMSTANCES SHALL WE BE LIABLE FOR DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, PUNITIVE, EXEMPLARY, OR ANY OTHER DAMAGES ARISING OUT OF YOUR USE OF THE SITE. ADDITIONALLY, EVANGATEFS IS NOT LIABLE FOR DAMAGES IN CONNECTION WITH (I) ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, DENIAL OF SERVICE, ATTACK, INTERRUPTION, DELETION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS, OR LINE OR SYSTEM FAILURE; (II) LOSS OF REVENUE, ANTICIPATED PROFITS, BUSINESS, SAVINGS, GOODWILL OR DATA; AND (III) THIRD PARTY THEFT OF, DESTRUCTION OF, UNAUTHORIZED ACCESS TO, ALTERATION OF, OR USE OF YOUR INFORMATION OR PROPERTY, REGARDLESS OF OUR NEGLIGENCE, GROSS NEGLIGENCE, FAILURE OF AN ESSENTIAL PURPOSE AND WHETHER SUCH LIABILITY ARISES IN NEGLIGENCE, CONTRACT, TORT, OR ANY OTHER THEORY OF LEGAL LIABILITY. THE FOREGOING APPLIES EVEN IF EVANGATEFS HAS BEEN ADVISED OF THE POSSIBILITY OF OR COULD HAVE FORESEEN THE DAMAGES. IN THOSE COUNTRIES THAT DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR THE DAMAGES, OUR LIABILITY IS LIMITED TO THE FULLEST POSSIBLE EXTENT PERMITTED BY LAW. IN NO EVENT SHALL EVANGATEFS’S CUMULATIVE LIABILITY TO YOU EXCEED £100.

Third Party Links & Resources

The Site may contain links to third party websites and resources. You acknowledge and agree that we are not responsible or liable for the availability, accuracy, content, or policies of third party websites or resources. Links to such websites or resources do not imply any endorsement by or affiliation with EvangateFS. You acknowledge sole responsibility for and assume all risk arising from your use of any such websites or resources.

Indemnification

You shall indemnify and hold us harmless from and against any and all losses, damages, settlements, liabilities, costs, charges, assessments, and expenses, as well as third party claims and causes of action, including, without limitation, legal fees, arising out of any breach by you of any of these Terms and Conditions, or any use by you of the Site. You shall provide us with such assistance, without charge, as we may request in connection with any such defence, including, without limitation, providing us with such information, documents, records, and reasonable access to you, as we deem necessary. You shall not settle any third party claim or waive any defence without our prior written consent.

Entire Agreement

This Agreement constitutes the entire agreement between you and EvangateFS pertaining to the Site and supersedes all prior and contemporaneous agreements, representations, and understandings between us. No waiver of any of the provisions of this Agreement by EvangateFS shall be deemed, or shall constitute, a waiver of any other provision, whether or not similar, nor shall any waiver constitute a continuing waiver. No waiver shall be binding unless executed in writing by EvangateFS.

If any legal action or any arbitration or other proceeding is brought for the enforcement of this Agreement, or because of an alleged dispute, breach, default, or misrepresentation in connection with any of the provisions of this Agreement, the successful or prevailing party or parties shall be entitled to recover reasonable legal fees and other costs incurred in that action or proceeding, in addition to any other relief to which it or they may be entitled.

No information contained within the Site constitutes any form of recommendations, advice, legal contract or offer.

This Site and the Terms and Conditions are governed by Scottish law. Any disputes arising from this Site shall be resolved by the Scottish courts.

Renumeration

We will provide you with either comparable details of firms most appropriate to your lending or purchase requirements or general information relating to finance products. In assessing your requirements, we may seek such information about your person circumstances and objectives as might be relevant in order to enable us to identify your needs. It is important that you provide us with accurate and relevant information. You will not receive advice, or a recommendation from us, but we may ask questions to narrow down the selection of firms offered, from which you can more easily make your own choice if you so wish. We are not linked to any of our lending panel members.

As a Financial Conduct Authority regulated credit broker, we can introduce you to a range of lenders who may be able to provide asset finance and or provide other products/services.

We are a commission-based organisation which means that we may receive a payment(s) or other benefits from finance providers should you decide to enter into an agreement with us. These fees may be fixed or variable or pre-set dependent on the product and the volume that we place with the chosen supplier.

*Fixed Commission – A flat fee or fixed percentage, a model use when funding Regulated Motor Finance Credit Agreements. In this instance the commission received is fixed and does not affect the cost of credit.

*Variable Commission – A variable fee or percentage, a model used when funding certain Regulated and Unregulated credit agreements. The amount paid can be based on the following factors: APR, Term, Amount financed, Amount of work, Balloons, Residual payments or Fees. In this instance the commission received will vary depending on the terms of your agreement which may have an impact on the total cost of credit.

Before entering into an agreement with us you will be advised whether your agreement will facilitate us being paid by a fixed or variable commission model. In the case of Regulated Credit Agreements, you are entitled at any time to request in writing information on the commission or fee payment made to us relating to your credit agreement.

Amended Terms

We may at any time amend these Terms and Conditions. Such amendments are effective immediately upon notice to you by us posting the new Terms and Conditions on this Site. Any use of the Site by you after being notified means you accept these amendments. We reserve the right to update any portion of our Site, including these Terms and Conditions, at any time.

These Terms and Conditions were last amended in March 2021.