Terms of website use These terms of use (together with the documents referred to in it) tells you the terms of use on which you may make use of our website www.whiteoakuk.com (oursite), whether as a guest or a registered user (‘you’). Use of our site includes accessing, browsing, or registering to use our site. Please read these terms of use carefully before you start to use our site, as these will apply to your use of our site. We recommend that you print a copy of this for future reference. By using our site, you confirm that you accept these terms of use and that you agree to comply with them If you do not agree to these terms of use, you must not use our site. Other applicable terms These terms of use refer to the following additional terms, which also apply to your use of our site: Our Privacy Policy (https://www.whiteoakuk.com/privacy) which sets out the terms on which we process any personal data we collect from you, or that you provide to us. By using our site, you consent to such processing and you warrant that all data provided by you is accurate. Our Acceptable Use terms noted below, which sets out the permitted uses and prohibited uses of our site. When using our site, you must comply with these Acceptable Use terms. Our Cookie Policy (https://www.whiteoakuk.com/privacy) which sets out information about the cookies on our site. Information about us www.whiteoakuk.com is a site owned and operated by LDF Operations Limited, a company incorporated under the Companies Acts in England and Wales (Registered Number 02029122) and having our Registered Office at 2nd Floor, HQ, 58 Nicholas Street, Chester CH1 2NP (“we”, “us”, “our”). We are authorised and regulated by the Financial Conduct Authority for credit-related activities (including hiring) (Firm Reference Number: 603633). Changes to these terms We may revise these terms of use at any time by amending this page. Please check this page from time to time to take notice of any changes we made, as they are binding on you. Changes to our site We may update our site from time to time, and may change the content at any time. However, please note that any of the content on our site may be out of date at any given time, and we are under no obligation to update it. We do not guarantee that our site, or any content on it, will be free from errors or omissions. Accessing 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. Access to our site is permitted on a temporary basis. We may suspend, withdraw, discontinue or change all or any part of our site without notice. We will not be liable to you if for any reason our site is unavailable at any time or for any period. You are responsible for making all arrangements necessary for you to have access to our site. 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. Unless otherwise stated, the services featured on this website are only available within the United Kingdom, or in relation to postings from the United Kingdom. All advertising is intended solely for the United Kingdom market. You are solely responsible for evaluating the fitness for a particular purpose of any downloads, programs and text available through this site. Redistribution or republication of any part of this site or its content is prohibited, including such by framing or other similar or any other means, without the express written consent of us. We do not warrant that the service from this site will be uninterrupted, timely or error free, although we will us reasonable endeavours to provide the service. By using this service, you thereby indemnify us, our employees, agents and affiliates against any loss or damage, in whatever manner, howsoever caused. Acceptable use You may use our site only for lawful purposes. You may not use our site: – In any way that breaches any applicable local, national or international law or regulation. In any way that is unlawful or fraudulent, or has any unlawful or fraudulent purpose or effect. For the purpose of harming or attempting to harm minors in any way. To send, knowingly receive, upload, download, use or re-use any material which does not comply with our content standards noted below. To transmit, or procure the sending of, any unsolicited or unauthorised advertising or promotional material or any other form of similar solicitation (spam). To knowingly transmit any data, send or upload any material that contains viruses, Trojan horses, worms, time-bombs, keystroke loggers, spyware, adware or any other harmful programs or similar computer code designed to adversely affect the operation of any computer software or hardware. You also agree: Not to reproduce, duplicate, copy or re-sell any part of our site in contravention of the provisions of our terms of website use. Not to access without authority, interfere with, damage or disrupt. any part of our site; any equipment or network on which our site is stored; any software used in the provision of our site; or any equipment or network or software owned or used by any third party. Content Standards These content standards apply to any and all material which you contribute to our site (contributions), and to any interactive services associated with it. You must comply with the spirit and the letter of the following standards. The standards apply to each part of any contribution as well as to its whole. Contributions must: Be accurate (where they state facts). Be genuinely held (where they state opinions). Comply with applicable law in the UK and in any country from which they are posted. Contributions must not: Contain any material which is defamatory of any person. Contain any material which is obscene, offensive, hateful or inflammatory. Promote sexually explicit material. Promote violence. Promote discrimination based on race, sex, religion, nationality, disability, sexual orientation or age. Infringe any copyright, database right or trade mark of any other person. Be likely to deceive any person. Be made in breach of any legal duty owed to a third party, such as a contractual duty or a duty of confidence. Promote any illegal activity. Be threatening, abuse or invade another’s privacy, or cause annoyance, inconvenience or needless anxiety. Be likely to harass, upset, embarrass, alarm or annoy any other person. Be used to impersonate any person, or to misrepresent your identity or affiliation with any person. .Give the impression that they emanate from us, if this is not the case. Advocate, promote or assist any unlawful act such as (by way of example only) copyright infringement or computer misuse. Your account and password If you choose, or you are provided with, a user identification code, password or any other piece of information as part of our security procedures, you must treat such information as confidential. You must not disclose it to any third party. We have the right to disable any user identification code or password, whether chosen by you or allocated by us, at any time, if in our reasonable opinion, you have failed to comply with any of the provisions of these terms of use. If you know or suspect that anyone other than you knows your user identification code or password, you must promptly notify us at info@whiteoakuk.com. Intellectual property rights 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. You may print off one copy, and may download extracts, of any page(s) from our site for your personal use and you may draw the attention of others within your organisation to content posted on our site. You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text. 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. If you print off, copy or download any part of our site in breach of these terms of use, your right to use our site will cease immediately and you must, at our option, return or destroy any copies of the materials you have made. No reliance on information 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. Limitation of our liability Nothing in these terms of use excludes or limits our liability for death or personal injury arising from our negligence, or our fraud or fraudulent misrepresentation, or any other liability that cannot be excluded or limited by English law. To the extent permitted by law, we exclude all conditions, warranties, representations or other terms which may apply to our site or any content on it, whether express or implied. We will not be liable to any user for any loss or damage, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, even if foreseeable, arising under or in connection with: use of, or inability to use, our site; or use of or reliance on any content displayed on our site. If you are a business user, please note that in particular, we will not be liable for: loss of profits, sales, business, or revenue; business interruption; loss of anticipated savings; loss of business opportunity, goodwill or reputation; or any indirect or consequential loss or damage. If you are a consumer user, please note that we only provide our site for domestic and private use. You agree not to use our site for any commercial or business purposes, and we have no liability to you for any loss of profit, loss of business, business interruption, or loss of business opportunity. We will not be liable for any loss or damage caused by a virus, distributed denial-of-service attack, or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of our site or to your downloading of any content on it, or on any website linked to it. Different limitations and exclusions of liability will apply to liability arising as a result of the supply of any goods by use to you, which will be set out in our Terms and conditions of supply. Uploading content to our site Whenever you make use of a feature that allows you to upload content to our site, or to make contact with other users of our site, you must comply with the content standards set out in our Acceptable Use terms above. You warrant that any such contribution does comply with those standards, and you will be liable to us and indemnify us for any breach of that warranty. If you are a consumer user, this means you will be responsible for any loss or damage we suffer as a result of your breach of warranty. Any content you upload to our site will be considered non-confidential and non-proprietary. You retain all of your ownership rights in your content, but you are required to grant us and other users of the Site a limited licence to use, store and copy that content and to distribute and make it available to third parties. The rights you license to us are described in the next paragraph (Rights you licence). We also have the right to disclose your identity to any third party who is claiming that any content posted or uploaded by you to our site constitutes a violation of their intellectual property rights, or of their right to privacy. We will not be responsible, or liable to any third party, for the content or accuracy of any content posted by you or any other user of our site. We have the right to remove any posting you make on our site if, in our opinion, your post does not comply with the content standards set out in our Acceptable Use terms above. The views expressed by other users on our site do not represent our views or values. You are solely responsible for securing and backing up your content. Rights you license When you upload or post content to our site, you grant a non-exclusive, non-transferable right to permit us to use, store and copy that content and to distribute and make it available to third parties the information for the purposes of providing our services to you. Viruses We do not guarantee that our site will be secure or free from bugs or viruses. You are responsible for configuring your information technology, computer programmes and platform in order to access our site. You should use your own virus protection software. You must not misuse our site by knowingly introducing viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not attempt to gain unauthorised access to our site, the server on which our site is stored or any server, computer or database connected to our site. You must not attack our site via a denial-of-service attack or a distributed denial-of service attack. By breaching this provision, you would commit a criminal offence under the Computer Misuse Act 1990. We will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use our site will cease immediately. Linking to our site You may link to our home page, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it. You must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part where none exists. You must not establish a link to our site in any website that is not owned by you. Our site must not be framed on any other site, nor may you create a link to any part of our site other than the home page. We reserve the right to withdraw linking permission without notice. The website in which you are linking must comply in all respects with the content standards set out in our Acceptable Use terms set out above. If you wish to make any use of content on our site other than that set out above, please contact info@whiteoakuk.com. Third party links and resources in our site We do not monitor or review the content of other party’s websites which are linked to or from this website. Opinions expressed or material appearing on such websites are not necessarily shared or endorsed by us and should not be regarded as the publisher of such opinions or material. Please be aware that we are not responsible for the privacy practices, or content, of these sites. We encourage our users to be aware when they leave our site & to read the privacy statements of these sites. You should evaluate the security and trustworthiness of any other site connected to this site or accessed through this site yourself, before disclosing any personal information to them. We will not accept any responsibility for any loss or damage in whatever manner, howsoever caused, resulting from your disclosure to third parties of personal information. Applicable law If you are a consumer, please note that these terms of use, its subject matter and its formation, are governed by English law. You and we both agree to that the courts of England and Wales will have non-exclusive jurisdiction. However, if you are a resident of Northern Ireland you may also bring proceedings in Northern Ireland, and if you are resident of Scotland, you may also bring proceedings in Scotland. If you are a business, these terms of use, its subject matter and its formation (and any non-contractual disputes or claims) are governed by English law. We both agree to the exclusive jurisdiction of the courts of England and Wales. Contact us: To contact us, please email info@whiteoakuk.com Thank you for visiting our site. PRODUCTS Recovery Loans Scheme Working Capital Loans Business Development Loans Asset Finance Invoice Finance Asset Based Lending Supply Chain Finance Trade Finance ABOUT About Us News Blog Careers CONTACT +44 (0) 371 454 3557 +44 (0) 330 053 6163 Locations LEGAL How We Work Terms & Conditions Complaints Process e-Signature Privacy Terms Of Use Modern Slavery Statement SOCIAL MEDIA SITE MAP Legal Disclaimer LDF Operations Limited (Reg No:02029122), LDF Finance No.1 Limited (Reg No: 4893877), LDF Finance No.2 Limited (Reg No: 08822802) and LDF Finance No.3 Limited (Reg No: 8822799), trading as White Oak, are authorised and regulated by the Financial Conduct Authority for credit-related regulated activities (including hiring), each being incorporated under the Companies Acts in England & Wales and having their Registered Office at 2nd Floor, HQ, 58 Nicholas Street, Chester, CH1 2NP . LDF Ops Limited (Reg No: SC198910) trading as White Oak, is authorised and regulated by the Financial Conduct Authority for credit-related activities (including hiring) and having its Registered Office at Sixth Floor, 58 Waterloo Street, Glasgow, G2 7DA. White Oak UK (CBILS) Limited (Reg No: 12435750), incorporated under the Companies Acts in England & Wales and having its Registered Office at 2nd Floor, HQ, 58 Nicholas Street, Chester, CH1 2NP. White Oak Commercial Finance Europe (Non-Levered) Limited incorporated under the Companies Acts in England & Wales (Company Number 12536413) and having its Registered Office c/o Buzzacott LLP, 130 Wood Street, London, UK EC2V 6DL. *rating as at 20/05/2021 **formerly the LDF Group which was acquired in 2018 by White Oak Global Advisors, LLC, on behalf of its institutional clients. ***The AUM is unaudited and estimated based on net asset values of funds and managed accounts and uncalled capital commitments as the prior quarter and subscriptions through April 1, 2021. WOGA's regulatory AUM number in its most recent Form ADV may be materially different than WOGA's AUM as of the date hereof. © Copyright 2021 by White Oak. All Rights Reserved.