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Terms and Conditions

PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY BEFORE USING THIS WEBSITE

These Terms (“Terms”) (together with additional documents referred to in it) set out the terms and conditions on which you make use of our website: www.loansctk.gi. Use of our website includes accessing, browsing, signing up and registering to use our Website and any content in it.

PLEASE DO NOT USE THIS WEBSITE IF YOU ARE BELOW THE AGE OF 18, OR NOT RESIDENT IN GIBRALTAR
The Website is directed, exclusively, to person of at least 18 years of age residing in Gibraltar. You shall not use the Website, or access any part of it if you are under the age of 18 or residing outside of Gibraltar.

Who we are
Our Website is operated by CTK Limited (“we, “us”, “our”). We are a limited company incorporated and registered in Gibraltar under company number 09086. Our registered office is at: 293A Main Street, GX11 1AA, Gibraltar and our main trading address is 293A Main Street, GX11 1AA, Gibraltar. We are licenced under the Financial Services (Moneylending) Act and authorised by the Government of Gibraltar to provide credit agreements.

How to contact us
To contact us, please email loansctk@gibtelecom.net or telephone our customer service line on (+350)20072050 / 200 72049.

You accept these Terms by using our Website
By using our Website, you confirm that you accept the Terms and that you agree to comply with them. You also agree that you further access and use of the website shall constitute conclusive evidence of your intention to be bound by these Terms. If you do not agree to these Terms, you must not use our Website.

Please note that when we refer to the Terms, we also refer to (i) our Privacy Policy; and (ii) our Cookie Policy, as these policies apply to the Website.
If you were to make use of our services, for example by securing a loan with us, you will become subject to additional sets of terms. All terms apply concurrently. Rest assured that we will notify you of that prior to entering into any new set of terms.

Changes to these Terms
We may amend these Terms from time to time, and introduce changes to the Website. It is your duty to check these Terms upon each new access, to ensure you understand the terms that apply to your use of the website.

We may suspend or withdraw access to our Website
Our Website is made available free of charge. We do not guarantee that our Website or any content on it will always be available, or that you access to it will be uninterrupted. We reserve the right to suspend, withdraw, discontinue, or change all or any part of our Website without notice. While we will try to give you reasonable notice of any suspension or withdrawal, we shall not be liable to you if the Website is unavailable at any time or for any period.

We may transfer this agreement to someone else
We may transfer our rights and obligations under the Terms to another organisation. We will always tell you in writing if this happens.

You must keep your account details safe
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 our Terms.
If you know or suspect that anyone other than you knows your user identification code or password, you must promptly notify us at loansctk@gibtelecom.net.

How you may use material on our Website
We are the owner or the licensee of all intellectual property rights in our Website, and in the material published on it. All such rights are reserved.
You may print off and may download extracts of any page(s) from our Website for your personal use and you may draw the attention of others within your organisation to content posted on our Website.
You must not modify the paper or digital versions 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 Website must always be acknowledged.
You must not use any part of the content on our Website 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 Website in breach of these Terms, your right to use our Website will cease immediately and you must, at our option, return or destroy any copies of the materials you have made.

Do not rely on information on this Website
The content on our Website 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 Website.
Although we make reasonable efforts to update the information on our Website, we make no representations, warranties or guarantees, whether express or implied that the content on our Website is accurate, complete or up-to-date.
You are responsible for making all necessary arrangements for you to have access to our Website. You are also responsible for ensuring that all persons who access our Website through your internet connection is aware of Terms (together with the additional documents referred to in it), and that they comply with them.

We are not responsible for websites we link to
Where our Website contains links to other websites 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.
We have no control over the contents of those websites or resources, and you should read all Terms governing such third-party websites before using their websites.

Our Liability
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.
To the extent permitted by law, we exclude all conditions, warranties, representations or other terms that may apply to our Websites or any content on it, whether express or implied.
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:

  • use of, or inability to use, our Website;
  • use of or reliance on any content displayed on our Website;
  • loss of profits, sales, business or revenue;
  • business interruption;
  • loss of anticipated savings;
  • loss of business opportunity, goodwill or reputation; and/or
  • any indirect or consequential loss or damage.

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 Website or by downloading any content on it, or through any website linked to it.
Different limitations and exclusions of liability will apply to liability arising as a result of services by us to you, which will be set out in our Terms and Conditions of Supply or any contract agreed and entered into by you and us (as applicable).

Prohibited use
You may only use our Website for lawful purposes and in accordance with the Terms. You may not use our Website:

  • 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; and/or
  • to knowingly transmit any data, sent 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 Website in contravention of the Terms;
  • access without authority, interfere with, damage or disrupt:
    • any part of our Website
    • any equipment or network on which our Website is stored
    • any software used in the provision of our Website; or
    • any equipment or network or software owned or used by any third party.

We will determine, in our discretion, whether there has been a breach of the Terms through your use of our Website. When a breach of these Terms has occurred, we may take such action as we deem appropriate, including but not limited to immediate (temporary or permanent) withdrawal of your right to use our Website.

Viruses
We do not guarantee that our Website will be secure or free from bugs or viruses. You are responsible for configuring your information technology, computer programmes and platform to access our Website. You should use your own virus protection software.

You must not:

  • misuse our Website by knowingly introducing viruses, trojans, worms, logic bombs or other material that is malicious or technologically harmful;
  • attempt to gain unauthorised access to our Website, the server on which our Website is stored or any server, computer or database connected to our Website; and/or
  • attack our Website via a denial-of-service attack or a distributed denial-of service attack.

By breaching these rules, you would commit a criminal offence under the Crimes Act 2011. 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 Website will cease immediately.

Linking to our Website
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 Website in any website that is not owned by you.
Our Website must not be framed on any other Website, nor may you create a link to any part of our Website 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 industry content standards.
If you wish to link to or make any use of content on our Website other than that set out above, please contact loansctk@gibtelecom.net.

Applicable Law
These Terms of Use, their subject matter, and their formation (and any non-contractual disputes or claims), are governed by Gibraltar Law. You and we both agree that the Courts of Gibraltar will have exclusive jurisdiction.

Our trademarks are registered
[“CTK Ltd.”] and [“Loans CTK”] are Gibraltar registered trademarks of CTK Limited. You are not permitted to use them without our approval, unless they are part of material you are using as permitted under How you may use material on our Website.