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Terms OF USE

Set out below are the terms ('Terms of Use') upon which we provide access to the Sceptre Finance Ltd website. By using our website you agree to be bound by these Terms of Use. If you do not accept these Terms of Use, please click here to exit the page.


The information, services and products on this web site are intended for use only by residents of the UK, and from within the UK. They are not aimed at, nor intended for use by residents of any other jurisdiction, nor to be accessed from any other jurisdiction. We cannot guarantee that this web site or its contents are appropriate for use in, or comply with any laws of, any other jurisdiction.


This web site is designed to be accessed through its principal product home pages and such other pages as we may decide. If you access the site through individual pages directly, which are not designed for this purpose, you may not see important information which is relevant to a full understanding of our products and services.


You are wholly responsible for use of this web site by any person using your computer and you must ensure that any such person complies with these Terms of Use.


While we have taken all reasonable steps to ensure the accuracy and completeness of the information on this web site information is provided on an "as is", "as available" basis, and we give no warranty and make no representation regarding the accuracy or completeness of the content of this web site. Consequently, we accept no liability for any losses or damages (whether direct, indirect, special, consequential or otherwise) arising out of errors or omissions contained in this web site. Further, no representation or warranty is given that the web site shall be available on an uninterrupted basis, and no liability can be accepted in respect of losses or damages arising out of such unavailability or for any failure of performance, error, omission, interruption, defect, delay in operation or transmission or line or system failure. Also, we accept no liability in respect of losses or damages arising out of changes made to the content of this web site by unauthorised third parties, and we make no representation or warranty regarding the accuracy, functionality or performance of any third party software that may be used in connection with this web site.


Access to and use of this web site is at the user's sole risk and we do not warrant that the use of this web site or any material downloaded from it will not cause damage to any property, including but not limited to loss of data or computer virus infection. You have sole responsibility for adequate protection and back-up of data and/or equipment and to undertake reasonable and appropriate precautions to scan for computer viruses or other destructive properties.


The Information and materials on this website are for general information purposes only. We accept no liability for any loss which may arise through reliance on information contained in this website, or any other website linked to it.


You must ensure that any material submitted by you or any communication you make in connection with our website, will not

1. infringe the intellectual property or other rights of any person or entity;

2. breach any applicable law, whether criminal, tortious or otherwise; or

3. be defamatory, profane, sexually oriented, racially offensive, harassing, threatening, obscene, pornographic, false, unreliable or misleading or otherwise objectionable in our opinion.


Spamming, flaming or advertising is not permitted.


Save as provided in these Terms of Use we have no control over or responsibility for the truth or accuracy of any material available on the website which has been provided by third parties.


We may terminate access to this website at any time without any liability to you.


We are entitled to change these Terms of Use at any time. In such circumstances your further use of our website constitutes acceptance of the amended terms of use.


These Terms of Use contain the entire agreement between us in relation to our website. They are governed and construed in accordance with the laws of England and Wales, to which you agree to submit.


These Terms of Use are not intended to constitute an exclusion of any liability which cannot be excluded under English law.




You may print copies of any item in hard copy for your personal use. You may also download any item to a local hard disk provided it is for your personal use. In all cases, we must be acknowledged as the source of the material on the copy and our address and contact details reproduced.


You acknowledge that all copyright and database rights, trademarks, and other intellectual property rights in and relating to the website are owned or licensed by us. No-one may copy, distribute, show in public or create any derivative work from the website, or any of the material which is found on the website, unless properly licensed to do so by us.




The contents of this web site do not purport to provide any financial, investment or professional advice and nothing on the pages of this web site shall be deemed to constitute the provision of financial, investment or other professional advice in any way.


These Terms of Use are governed by and interpreted in accordance with the laws of England and Wales and the courts of the above jurisdiction will have non-exclusive jurisdiction in respect of any dispute which may arise.




If you are unhappy with a financial product or advice you have received from us, you can complain. We take complaints very seriously and have a complaint procedure in place whereby we will respond to you within set deadlines. to make a complaint please follow the following three steps




It is usually best to write or email us so that you have a record of what you say.


Contacting us is a simple process you can do yourself without using a claims handler. You can also get free help from the Financial Ombudsman Services or organisations like Citizens Advice if you need it.


Initially, we will respond just to let you know we have received your complaint. We will then respond to your complaint within two weeks, telling you whether the complaint has been successful or why we need more time to look into it.




If you are not happy with our response, we reject your complaint or you do not hear from it within eight weeks, the Financial Ombudsman Service may be able to help.


The ombudsman service is a free, independent service for settling disputes between financial services companies and their customers. It can deal with complaints about a wide range of financial matters - from pet insurance to stocks and shares.


The ombudsman service will ask us to explain what we think happened and then decide whether to uphold your complaint.


It is important you contact the ombudsman service within six months of receiving a final response from us or the ombudsman service may not be able to deal with your complaint.


Their contact details are as follows:


The Financial Ombudsman Service

 South Quay Plaza, 183 Marsh Wall,

 London E14 9SR


Tel: 0207 964 1000




If you do not want to accept a decision by the Financial Ombudsman Service and you have not used an independent complaints scheme, as a last resort you may be able to take your case to court.


You would usually start a civil legal action in the county courts or High Court (in England, Wales and N. Ireland), depending on the circumstances of the case. In Scotland, most small claims are started in the Sheriff Courts.

Sceptre Finance Ltd 122 Chesterfield Avenue Benfleet Essex SS7 3HR

Telephone Number 01268 799541

Email Address