Terms and conditions
1. Acceptance of terms of agreement
LastResortCredit.com (referred to hereinafter as “LastResortCredit.com”, “we”, “us”, or “our”) provides informational services relating to financial products and online coupon marketplaces (referred to hereinafter as “Services”) in the United Kingdom, the United States of America, Canada, the Republic of Ireland, Australia, New Zealand & Singapore. Our services include, and can be accessed via (i) the website published at http://www.LastResortCredit.com and any other websites bearing the LastResortCredit.com branding that are linked to these terms of agreement (collectively referred to hereinafter as the Site”) and (ii) applications for mobile devices that bear the LastResortCredit.com brand and are linked to these terms of agreement (hereinafter referred to as “Application”). Our services include providing users of our site access to financial products offered by authorized financial service providers, and coupons for online use offered by selected third-party merchants (hereinafter referred to as “Merchants” or “Retailers”).
Use of the Services offered by LastResortCredit.com affirms an acceptance to be legally bound by the terms of agreement as laid out in this document.
LastResortCredit.com reserves the right to alter its terms of agreement and to modify or discontinue any aspect, content or feature of its services at any time. Using our services after an alteration has been made to our terms of agreement constitutes an acceptance of the alterations. Should an arbitrator or court of law conclude that changes applied to these terms would render this contract unenforceable, such changes will only be applicable on a prospective basis.
Commercial and non-commercial exploitation of any portion of our site, services, or application, whether through reproduction, distribution, copying, retransmission, publication, sale, or any other form of transfer without legal authorization from LastResortCredit.com is hereby strictly prohibited.
To use LastResortCredit.com Services you must be at least 18 years old. By using LastResortCredit.com you agree to be bound by these terms, and warrant that you are at least eighteen (18) years of age and that your registration and your use of our Services is in compliance with any and all applicable laws and regulations in your place of residence.
3. End-user terms of agreement
We offer no warranty with regards to the accuracy of any offer listed on LastResortCredit.com or provided through our Services. We do not guarantee that a third party will acknowledge offers posted through our Services. Such offers include coupons, discounts, deals, and sales, for example. We do not guarantee the accuracy of coupon information, product pricing, and discount information. LastResortCredit.com will not, in any event, be held liable for a misrepresentation of any offer provided by or on account of a third-party. LastResortCredit.com will not accept responsibility for any damages relating to or arising from an offer made by a third party.
By using Services provided by LastResortCredit.com you state your understanding that LastResortCredit.com does not in any way endorse, and is in no way affiliated to any third-party website that can be accessed via a link on our Services. We accept no responsibility for claims made against linked third-party websites. Terms of agreement for websites linked through LastResortCredit.com Services may vary from those offered by LastResortCredit.com and should be reviewed by any person that is considering using those third-party websites or services.
All content on LastResortCredit.com is presented only as of the date published or indicated, and may be superseded by subsequent market events or for other reasons. Our Services are not intended to provide credit, mortgage, insurance or investment advice, and no part of the services should be construed as an offer to sell, a solicitation of an offer to buy, or a recommendation for any product, asset or security by LastResortCredit.com or by any third party financial services provider or merchant.
4. Ownership and proprietary rights
LastResortCredit.com trademarks, trade names, slogans, logos and service marks displayed through our Services are under the sole proprietorship of LastResortCredit.com, and it is expressly forbidden to reuse LastResortCredit.com trademarks without express permission from us. All third-party trademarks displayed through our Services are the property of their respective owners. All content available through our Services is the property of either LastResortCredit.com, relevant third-party rights holders, or LastResortCredit.com licensors. Any form of transmission, publication, modification, removal, destruction, reproduction, or plagiarism of content available through LastResortCredit.com Services is strictly prohibited. By using services provided by LastResortCredit.com you agree that your engagement in such activity, should it cause irreparable damage to LastResortCredit.com, its licensors, or third-party rights holders that cannot be remedied by law, will be remedied by you through injunctive relief.
All computer code, text, information, visual interfaces, images, compilation, design, software, product, services and all other elements that make up the Services are the sole intellectual property of LastResortCredit.com and are protected by applicable laws and relevant intellectual property and proprietary rights.
LastResortCredit.com Services are provided “as is” and “as available”. No warranty, express or implied, is given by LastResortCredit.com in regard to the operation and continuity of our Services, except that expressly required by law. By using Services provided by LastResortCredit.com, you consent to using our Services at your sole risk. LastResortCredit.com disclaims any and all warranties, express or implied, of competence for any specific purpose. LastResortCredit.com does not guarantee that e-mail sent from LastResortCredit.com is free of destructive or invasive code, and accepts no liability in this regard. LastResortCredit.com accepts no liability for any and all damages arising from the use of its Services. We reserve the right to suspend access to our Services at any time, without any liability to you whatsoever.
In using Services provided by LastResortCredit.com you accept full responsibility for your interactions and commercial agreements with third party financial service providers and merchants, and release LastResortCredit.com from all liability or claims relating to products and services provided by third party financial service providers and merchants. If you are a resident of the State of California, you hereby waive California civil code section 1542.
In using Services provided by LastResortCredit.com you hereby accept our terms of agreement and agree to indemnify LastResortCredit.com and its officers, employees and agents from all claims or demands made by any party as a result of your use of our Services, your violation of our terms of agreement, your infringement on the rights of any person or entity through your use of LastResortCredit.com Services, or the purchase of products or services by you through our Services.
LastResortCredit.com entities will not, in any event, be held liable to you for any consequential, incidental, punitive or special damages, whether based on statute, warranty, statute, tort (including negligence), contract, statute or any other legal theory. This indemnity will apply whether or not entities have been informed of the possibilities of such damages.
If any provision of these terms is found to be unenforceable for any reason, then that provision will be deemed severable from the terms of agreement and shall not affect the validity and enforceability of any remaining provisions. No waiver by either party of any breach or default hereunder shall be deemed to be a waiver of any preceding or subsequent breach or default.
As some jurisdictions do not allow the disclaimer of warranties or limitation of liability in certain circumstances, it is possible that some of the above limitations may not apply to you.
In accepting these terms you understand and agree that all rights and obligations and all actions presented in these Terms will be governed by the laws of Singapore. Any dispute arising from your visit to LastResortCredit.com shall be submitted to confidential arbitration in Singapore, and you submit to the jurisdiction and proceedings thereof. Exception will be made if, to any extent you have in any manner violated or threatened to violate the intellectual property rights of LastResortCredit.com or the intellectual property rights of LastResortCredit.com affiliates, partners or licensors or otherwise have a cause of action in equity. Should this occur, we may seek injunctive relief in any court of competent jurisdiction and you consent to jurisdiction and venue in any such court for this purpose. You agree that arbitration shall be conducted under the arbitration rules of the Singapore International Arbitration Centre. You consent to the appointment of one arbitrator in accordance with the rules set forward by the Singapore International Arbitration Centre. The language of the arbitration shall be English. The arbitrator’s award shall be binding and may be entered as a judgment in any court of competent jurisdiction. In agreeing with these Terms you give your consent that no arbitration under these Terms and Conditions shall be joined to an arbitration involving any other party subject to this Terms and Conditions, whether through class arbitration proceedings or otherwise, to the fullest extent permitted by applicable law. If arbitration is to some extent not permitted by applicable law, disputes relating to your visit to LastResortCredit.com shall be submitted to the Singapore courts.