Regulatory, Legal & Privacy

The purpose of this website is to give potential clients a better understanding of how Demica might be able to help them and is not intended to provide specific advice on the suitability of Demica’s products to a visitor’s business.

Terms of Use & Disclaimer

This website (http://www.demica.com) is a website operated by Demica Limited and Demica Finance Limited (together, “Demica”). The information on the website is communicated by Demica both inside and outside the United Kingdom. Each time you use this website, a condition of use is that you comply with the terms below. Demica may revise these terms of use at any time by amending this page. You are expected to check this page from time to time to take notice of any changes Demica makes, as they are binding on you. These terms of use set out the terms on which you may make use of this website and apply to every page of this website, whether or not these terms of use appear on each individual page. Please read these terms of use carefully before you start to use this website. By using this website, you have indicated that you accept these terms of use and that you agree to abide by them. If you do not agree to these terms of use, please refrain from using this website.

Demica Finance Limited, whose registered address is Bow Bells House, 1 Bread Street, London, EC4M 9BE, is authorised and regulated by the Financial Conduct Authority. Some services may be provided by Demica Finance Limited. Services provided by Demica Finance Limited are for professional clients and eligible counterparties only.

The information and material included on this website is provided for general information only and shall not be construed as (i) financial, legal, tax, regulatory or other professional advice, (ii) an offer, invitation to offer, or a solicitation or recommendation to invest in any products or services mentioned herein, or (iii) Demica acting in any fiduciary capacity with respect to any such products or services (unless otherwise expressly set out in a written agreement signed by you and us). The information on this website is directed only at persons or entities in countries where such access and use of information contained herein is not contrary to local law or regulation. The financial outcome of any particular product or service depends on a variety of factors including, but not limited to, investor interest, grade of potential investor market, selling restrictions in target jurisdictions, market fluctuations, tax considerations, legal documentation and particular features of underlying assets. You alone shall be responsible for making your own independent investigation and appraisal of the risks, benefits and suitability of any products or services viewed on the website and, to the extent permitted by law, Demica shall incur no responsibility or liability whatsoever to you in respect thereof. You should take steps to ensure that you understand any products or services you are interested in and make an independent assessment of the appropriateness of such products and services in light of your own objectives and circumstances, including possible risks, implications and benefits of entering into such products or services and seeking relevant advice in any applicable jurisdiction. The content of this website has been approved and issued by Demica for information purposes only. Opinions expressed on this website are subject to change at any time.

You must NOT use this website: (i) for any unlawful, improper or illegal purpose or activity; (ii) to violate Demica’s or any third party’s copyright, trademark, proprietary or other intellectual property rights; (iii) to damage Demica’s or any third parties’ name or reputation; (iv) to penetrate or attempt to penetrate Demica’s security measures or third parties’ systems (“hacking”); or (v) to introduce viruses, worms, harmful code and/or Trojan horses onto the internet or into this website or any third parties’ systems or website and it is your responsibility to ensure that whatever you download or select for your use from this website or any third-party site (as defined below) is free from such items.

When using this website, you must comply with all applicable local, national and international laws and regulations, including those related to data privacy, international communications and exportation of technical or personal data. It may be illegal to download the information contained on this website or any third-party site in certain countries and Demica disclaims all responsibility if you download any information from this website or any third-party site in breach of any law or regulation of the country in which you reside.

IP Rights

The entire contents of this website are subject to copyright with all rights reserved. The copyright, trademarks and all similar rights of this website and the contents, including all information, graphics, code, text and design, are owned by Demica Limited or Demica Finance Limited or their licensors.

The reproduction, dissemination, disclosure, movement, modification, transmission or publication of the whole or any part of this website in any form or by any means (including but not limited to electronic, mechanical, photocopying, recording or otherwise) by any party other than Demica is prohibited without the prior express written permission of Demica Limited or Demica Finance Limited, as applicable. Demica has not intended to use any copyrighted material for the website, or, if not possible, has sought to attribute the copyright of the respective object.

Nothing on this website should be construed as granting any licence or right in relation to any of Demica Limited’s or Demica Finance Limited’s trademarks or the trademarks of any third party.

Privacy Policy

Demica, as a data controller, may collect and process data about you (“personal data”). Where personal data (email addresses, names, addresses) is provided via the website, such data is deemed to be made on a voluntary basis.

Demica respects your right to privacy. Personal data you provide via this website will be used by Demica, where in Demica’s legitimate interest for the following purposes: (i) to respond to your request; (ii) for business administration, including statistical analysis; (iii) to personalise your visit to the website and to assist you while you use the website; (iv)  to improve the website by helping Demica understand who uses the website; (v)  for fraud prevention and detection and to comply with applicable laws and regulations; (vi) to provide you with services that you request from Demica; and (vii) for marketing purposes. You have a right to object to the processing of your personal data where that processing is carried out for Demica’s legitimate interest.

Demica may share your personal data with selected third parties to provide it with services, including companies that provide it with technical support and assistance in respect of the website and companies engaged to market Demica products/services. Demica may also share your personal data in order to comply with any legal obligation, or in order to enforce or apply the terms of use of this website or other agreements, or to protect the rights of Demica, its customers, or others. Demica may also transfer your personal data to a third party that acquires all or part of its assets or shares, or that succeeds it in carrying on all or a part of its business, whether by merger, acquisition, reorganisation or otherwise.

Personal data collected from you via this website may be transferred to the recipients described above who may be in countries located outside the European Economic Area (“EEA”) (including in the U.S.) which do not provide a similar or adequate level of protection to that provided by countries in the EEA.  Transfers to service providers and other third parties will be made in accordance with applicable data protection laws (e.g., under a Model Contract or the EU – U.S. Privacy Shield).

You have certain rights under EU data protection laws which may be subject to limitations and/or restrictions. These include the right to: (i) request access to and rectification or erasure of your personal data; (ii) restrict processing or to object to the processing of your personal data; and (iii) ask for a copy, in a digital format, of your personal data to be provided to you, or a third party,  where held by Demica. All such requests should be made using the contact details provided above. You also have the right to lodge a complaint about the processing of your personal data with your local data protection authority.

Demica may retain your personal data as necessary for internal analytical purposes, or to provide you with services that you have requested, comply with its legal obligations, resolve disputes and enforce agreements (e.g. settlement). The criteria used to determine the retention periods include: (i) how long the personal data is needed to provide the services and operate the business; (ii) the type of personal data collected; and (iii) whether we are subject to a legal, contractual or similar obligation to retain the data (e.g., mandatory data retention laws, government orders to preserve data relevant to an investigation, or data that must be retained for the purposes of litigation or disputes). If you would like more information about applicable data retention policies, please contact our General Counsel.

Any unauthorised use by you for marketing purposes of postal addresses, telephone numbers and email addresses which are published on the website is strictly prohibited, and offenders sending any such unauthorised messages (such as spam) may be prosecuted.

No Warranty, Limitation of Liability and Indemnity

This website, including information and materials contained in this website, or any other website referred to or accessed by hypertext link or otherwise through this website (a “third-party site”), text, graphics, software, links and other items are provided “as is”. Demica does not warrant the accuracy, adequacy, completeness, timeliness or availability of the information and data contained in this website or any third-party site, and expressly disclaims liability for errors or omissions in this website and any third-party site. Demica does not endorse or approve the content of any third-party site referenced and shall not be liable for any content contained in any such site. If any damage occurs by the use of information or materials presented on such third-party site, then only the author of the respective pages may be liable, not Demica. There is no warranty of merchantability, no warranty of fitness for a particular purpose, no warranty of non-infringement, no warranty of any kind, implied, express or statutory, in conjunction with this website or any third-party site.

To the extent permitted by applicable laws and regulations, in no event will Demica be liable for any damages, including, without limitation, direct, indirect, special, incidental or consequential damages, losses or expenses arising in connection with this website or use or misuse thereof or the inability by any party to use such website, or in connection with any failure of performance, error, omission, interruption, defect, delay in operation or transmission, computer virus or line or system failure, even if Demica, or representatives thereof, are advised of the possibility of such damages, losses or expenses.

As a condition of your use of this website, you agree to indemnify and hold harmless Demica, and the partners and employees of Demica and its affiliates from and against any and all liabilities, claims, damages, losses or expenses, including legal fees and expenses, (together, “Losses”) arising out of your access to or use of this website, save to the extent that Demica may not exclude or limit its own liability for such Losses pursuant to applicable laws or regulations.

Governing Law

This website is established in England by Demica in accordance with and shall be governed by, and your browsing in and use of this website shall be deemed acceptance of, the laws of England and Wales. A condition of using this website is that in the event of any dispute or proceeding you irrevocably submit to the exclusive jurisdiction of the English Courts and waive any objection to proceedings in such courts on the grounds of venue or on the grounds that the proceedings have been brought in an inconvenient forum.

© Copyright 2020, Demica Limited. All rights reserved.

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