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By using our site, you are agreeing to the terms of use set out here. If you do not agree to these terms, we respectfully advise you not to use our site.

Who we are and how to contact us

This site is operated by Garhill Ltd (“Company”), a company incorporated and registered in England and Wales with company number 01558834 and registered office is at Marston House, 5 Elmdon Lane, Solihull B37 7DL.

To contact us, please email or telephone our customer service line on 01564 773 223.

These terms of use refer to our Privacy Policy.


We may make changes to these terms

We amend these terms from time to time. Every time you wish to use our site, please check these terms to ensure you understand the terms that apply at that time.

We may suspend or withdraw our site

Our site is made available free of charge.

We do not guarantee that our site, or any content on it, will always be available or be uninterrupted. We may suspend or withdraw or restrict the availability of all or any part of our site for business and operational reasons. We will try to give you reasonable notice of any suspension or withdrawal.

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

We may transfer this agreement to someone else

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 the contract.

Use of materials

We are the owner or the licensee of all intellectual property rights in our site, and in the material published on it.  Those works are protected by copyright laws and treaties around the world. All such rights are reserved.

This site is owned and operated by Garhill Ltd and none of the material from this site may be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way, except materials specifically identified for you to use.

You may not modify or use any of the content contained within our website, without the express permission of Garhill Ltd. We are happy for you to link to our site, but please do not copy content to your own or any site as this is likely to infringe our copyright on this original material. 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.


Materials provided on our site are provided ‘as is’, without warranty of any kind, either express or implied, including, without limitation, warranties of merchantability, fitness for a particular purpose and non-infringement.

Garhill Ltd specifically does not make any warranties or representations as to the accuracy or completeness of any such materials. Periodically we will add changes, improve or update the materials on our site without notice. Under no circumstances shall Garhill Ltd be liable for any loss, damage, liability or expense incurred or suffered that is claimed to have resulted from the use of this site, including, without limitation, any fault, error, omission, interruption or delay with respect thereto.

The content on our site is provided for general information only. It is not intended to amount to advice on which you should rely. You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of the content on our site.

Although we make reasonable efforts to update the information on our site, we make no representations, warranties or guarantees, whether express or implied, that the content on our site is accurate, complete or up to date.

Where our site contains links to other sites and resources provided by third parties, these links are provided for your information only. Such links should not be interpreted as approval by us of those linked websites or information you may obtain from them.

Limitation of liability

The use of our site is at your sole risk. 

Under no circumstances, including but not limited to negligence, shall Garhill Ltd be liable for any direct, indirect, incidental, special or consequential damages, even if Garhill Ltd has been advised of the possibility of such damages.


However, we do not 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 caused by our negligence or the negligence of our employees, agents or subcontractors or for fraud or fraudulent misrepresentation.

You the user, specifically acknowledge and agree that Garhill Ltd is not liable for any of your conduct.
This site may contain advice, opinions and statements of various information providers and we do not represent or endorse the accuracy or reliability of these, or other information provided. Reliance upon any such advice, opinion, statement, or other information shall also be at your own risk.

Neither Garhill Ltd nor any of their respective agents, employees, information providers or content providers, shall be liable to you, any user or anyone else for any inaccuracy, error, omission, interruption, deletion, defect, alteration of, or use of, any content herein, or for its timeliness or completeness, nor shall they be liable for any failure of performance, computer virus or communication line failure, regardless of cause, or for any damages resulting there from.

Neither Garhill Ltd nor any of their respective agents, employees, information providers or content providers, shall be liable to you for any loss or damage, whether in contract, tort, breach of statutory duty, or otherwise, even if foreseeable, arising under or in connection with your use of, or inability to use the site or your use of or reliance on any content displayed on the site.


As a condition of use of our site, you agree to indemnify Garhill Ltd and its affiliates from and against any and all actions, claims, losses, damages, liabilities and expenses (including reasonable legal fees) arising out of your use of this Site, including, without limitation, any claims alleging facts that if true would constitute a breach by you of these terms and conditions.

If you are dissatisfied with any of the material on our site or with any of our terms and conditions of use, your only and exclusive remedy is to stop accessing our site.


If you have a complaint and are dissatisfied with our response, or we do not provide a final response within eight weeks, you may take your complaint to the Financial Ombudsman Service (FOS). However, please note that they will not deal with a complaint unless you have given us the opportunity to try and resolve it to your satisfaction first.

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