PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY BEFORE

USING THIS SITE

1. What's in these terms?

1.1. These terms tell you the rules for using our website, platform, app and overall

service.

2. Who we are and how to contact us

2.1. www.mifu.co.uk, its related sub-domains, and mobile applications (collectively

referred to as 'our site' and 'our app') are operated by Mifu Ltd ('We'). These, along

with any other Mifu technology, fall under the scope of this agreement. We are

registered in England and Wales under company number 14125409 and have our

registered office at 29a Waterford Road, London, United Kingdom, SW6 2DT. Our

VAT number is GB450983279 We are a limited company.

2.2. To contact us, please email team@mifu.co.uk.

3. By using our website and app you accept these terms

3.1. By using our site, you confirm that you accept these terms of use and that you agree

to comply with them.

3.2. If you do not agree to these terms, you must not use our site.

3.3. We recommend that you print a copy of these terms for future reference.

4. There are other terms that may apply to you

4.1. These terms of use refer to the following additional terms, which also apply to your

use of our site:

(a) Our Privacy Policy, 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.

(b) Our Acceptable Use Policy, which sets out the permitted uses and

prohibited uses of our site. When using our site, you must comply with this

Acceptable Use Policy.

site.

5. We may make changes to these terms

5.1. 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. These

terms were most recently updated on 10/11/2024.

6. We may make changes to our site

6.1. We may update and change our site from time to time to reflect changes to our

products, our users' needs, and our business priorities. We will try to give you

reasonable notice of any major changes.

7. We may suspend or withdraw our site

7.1. Our site is made available free of charge.

7.2. 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.

7.3. 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.

8. You must keep your account details safe

8.1. 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.

8.2. 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.

8.3. If you know or suspect that anyone other than you knows your user identification

code or password, you must promptly notify us at team@mifu.co.uk.

9. How you may use material on our site

9.1. 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.

9.2. 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.

9.3. 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.

9.4. Our status (and that of any identified contributors) as the authors of content on our

site must always be acknowledged.

9.5. 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.

9.6. 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.

10. Do not rely on information on this site

10.1. 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.

10.2. 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.

11. We are not responsible for websites we link to

11.1. 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.

11.2. We have no control over the contents of those sites or resources.

12. User-generated content is not approved by us

12.1. This website may include information and materials uploaded by other users of the

site, including to bulletin boards and chat rooms. This information and these

materials have not been verified or approved by us. The views expressed by other

users on our site do not represent our views or values.

12.2. If you wish to complain about information and materials uploaded by other users

please contact us at team@mifu.co.uk.

13. Our responsibility for loss or damage suffered by you

13.1. Whether you are a consumer or a business user:

(a) 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 and for fraud or fraudulent misrepresentation.

(b) Different limitations and exclusions of liability will apply to liability arising

as a result of the supply of any products to you, which will be set out in our

Terms and Conditions of supply.

13.2. If you are a business user:

(a) We exclude all implied conditions, warranties, representations, or other

terms that may apply to our site or any content on it.

(b) We will not be liable to you 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:

(i) use of, or inability to use, our site; or

(ii) use of or reliance on any content displayed on our site.

(i) loss of profits, sales, business, or revenue;

(ii) business interruption;

(iii) loss of anticipated savings;

(d) loss of business opportunity, goodwill, or reputation; or

(e) any indirect or consequential loss or damage.

13.3. If you are a consumer user:

(a) 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.

(b) If defective digital content that we have supplied, damages a device or

digital content belonging to you and this is caused by our failure to use

reasonable care and skill, we will either repair the damage or pay you

compensation. However, we will not be liable for damage that you could

have avoided by following our advice to apply an update offered to you free

of charge or for damage that was caused by you failing to correctly follow

installation instructions or to have in place the minimum system

requirements advised by us.

14. Uploading content to our site

14.1. 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 Policy [Acceptable Use Policy Domain

Address].

14.2. 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. This means

you will be responsible for any loss or damage we suffer as a result of your breach

of warranty.

14.3. 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 our 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 section below "Rights you are giving us to use

material you upload".

14.4. 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.

14.5. 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

Policy.

14.6. You are solely responsible for securing and backing up your content.

15. Rights you are giving us to use material you upload

15.1. When you upload or post content to our site, you grant us the following rights to use

that content:

(a) a worldwide, non-exclusive, royalty-free, transferable licence to use,

reproduce, distribute, prepare derivative works of, display, and perform that

user-generated content in connection with the service provided by the

website and across different media including to promote the site or the

service to expire when the user deletes content from the site;

(b) a worldwide, non-exclusive, royalty-free, transferable licence for other

users, partners, or advertisers to use the content for their purposes to expire

when the user deletes content from the site.

16. We are not responsible for viruses and you must not introduce them

16.1. We do not guarantee that our site will be secure or free from bugs or viruses.

16.2. You are responsible for configuring your information technology, computer

programmes and platform to access our site. You should use your own virus

protection software.

16.3. You must not misuse our site by knowingly introducing viruses, trojans, worms,

logic bombs or other material that 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.

17. Rules about linking to our site

17.1. 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.

17.2. 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.

17.3. You must not establish a link to our site in any website that is not owned by you.

17.4. 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.

17.5. We reserve the right to withdraw linking permission without notice.

17.6. The website in which you are linking must comply in all respects with the content

standards set out in our Acceptable Use Policy.

17.7. If you wish to link to or make any use of content on our site other than that set out

above, please contact team@mifu.co.uk.

18. Which country's laws apply to any disputes?

18.1. If you are a consumer, please note that these terms of use, their subject matter, and

their formation, are governed by English law. You and we both agree that the courts

of England and Wales will have exclusive jurisdiction except that 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.

18.2. If you are a business, these terms of use, their subject matter, and their 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.