Terms & Conditions

Please read this Agreement carefully as it governs your use of the 1pm (UK) Ltd website (the “Site”). By continuing to use the Site you are agreeing to the terms that appear below.

These terms were last updated on 24th March 2014.

Provision of Service

The Site is owned and operated by 1pm (UK) Ltd.

Limited Rights to Use Content

All material displayed on the Site (“Content”) belongs to 1pm (UK) Ltd or its licensors. Subject to clause 2b, you may retrieve and display the Content on a computer screen, print individual pages on paper and store such pages in electronic form on disk (but not on any server or other storage device connected to an external network) for your own personal, educational, non-commercial purposes.

Most of the Content on the Site is owned by 1pm (UK) Ltd but certain Content is used under licence from third parties (“Third Party Content”) and will be marked with the copyright notice of those third parties. Some of the Third Party Content will be subject to additional restrictions – the relevant copyright notice will make it clear where that is the case. You must comply with such restrictions.

You may not (without prior written permission from 1pm (UK) Ltd):

Redistribute any of the Content or supply it to other people (including by using it as part of any library, archive or similar service);
Remove the copyright or trade mark notice from any copies of Content made under this Agreement;
Create a database in electronic or structured manual form by systematically downloading and storing all or any of the Content;
Except as expressly set out above, modify, reproduce or in any way commercially exploit any of the Content.


1pm (UK) Ltd allows you to submit material to the certain areas of the Site (including ‘Submissions’). 1pm (UK) Ltd reserves the right to delete, move and edit any material submitted. You are solely responsible for the material you submit to the Site and by submitting any material you agree that you will not submit any material that:

Advertises or promotes any goods or services;
reveals any confidential or sensitive information;
Contains or links to any unlawful, threatening, abusive, libellous, indecent or otherwise illegal material;
Contains any material which you do not have permission to use (including material which may be protected by copyright, trade marks, database right or any other form of intellectual property right);
Contains viruses or any other components with harmful or contaminating properties which may affect the Site or any equipment connected to it; or
Disguises your identity or impersonates any person.

By submitting material to the Site, you grant 1pm (UK) Ltd a perpetual royalty free, non-exclusive licence to reproduce, modify, translate, make available, distribute and sub-licence any material you submit in whole or in part or in any form. You agree that you waive any moral rights you have in the material.

The Site contains material submitted by users over whom 1pm (UK) Ltd has no control. 1pm (UK) Ltd cannot guarantee the accuracy, integrity or quality of any such material. Some Users may breach these terms and post material that is misleading, untrue or offensive – you must bear all risk associated with your viewing of such material.

Copyright in any software that is made available for download for the participation in the Site (“Software”) belongs to 1pm (UK) Ltd or its suppliers. Your use of the Software is governed by the terms of any licence agreement that may accompany or be included with the Software. Certain promotions and areas on the Site may also be subject to additional terms of use which will be made available clearly by hyperlink – you must comply with all such terms.

Limited Warranties

1pm (UK) Ltd will use its reasonable skill and care in making the Site available to you and in ensuring its continuing availability. However, because of the number of sources from which 1pm (UK) Ltd obtains the Content and because of the nature of the Internet 1pm (UK) Ltd does not give you any other warranties. In particular, you should not take the accuracy or availability of the information for granted and 1pm (UK) Ltd makes no warranty that the Site is free from infection by viruses or anything else that has contaminating or destructive properties.

Limitation of Liability

In respect of the Content which is available free on the Site, 1pm (UK) Ltd will use its reasonable endeavours to resolve faults but because the service is free you agree that 1pm (UK) Ltd will not be liable for any losses you may incur as a result of your use or non-use of that Content.

Except where we have expressly agreed otherwise, neither you nor 1pm (UK) Ltd will be responsible for any losses that the other suffers as a result of a breach of this Agreement except those losses which are a foreseeable consequence of the breach. Neither party will be responsible for indirect losses which happen as a side-effect of the main loss or damage and which are not foreseeable by 1pm (UK) Ltd and you (such as loss of profits or loss of data).

1pm (UK) Ltd’s liability will not be limited in the case of death or personal injury directly caused by 1pm (UK) Ltd’s negligence.

Privacy Policy

The information that you provide about yourself to 1pm (UK) Ltd will only be used by 1pm (UK) Ltd in accordance with its Privacy Policy.


1pm (UK) Ltd is continually seeking to improve the Site and services offered. 1pm (UK) Ltd reserves the right, at its discretion, to make changes to any part of the Site.
1pm (UK) Ltd may change or add to this Agreement as a result of its policy of updating and improving the Site or for security, legal or regulatory reasons.


The Site contains links to other web sites and resources, either directly or through frames and, where possible, 1pm (UK) Ltd will make clear where such links are being made. Independent third parties provide these sites and 1pm (UK) Ltd is not responsible and shall not be liable for the availability or content of these outside resources.


In respect of the free parts of the Site, there is no specific time limit applying to your access and use. However, 1pm (UK) Ltd reserves the right to suspend or terminate your access and use of the free parts of the Site at any time. It may exercise the right with or without notice.
You may not assign, sub-licence or otherwise transfer this Agreement or your rights of access to the Site.
Failure by either party to exercise any right or remedy under this Agreement does not constitute a waiver of that right or remedy.
A person who is not party to this Agreement shall have no right under the Contracts (Rights of Third Parties) Act 1999 to enforce any of its terms.
English law will apply to this Agreement and both you and 1pm (UK) Ltd agree to submit to the non-exclusive jurisdiction of the English Courts.

The above information has been disclosed pursuant to Rule 26 of the AIM Rules for Companies.
Information last updated 14/01/2020.

Tel: 01225 474230
Fax: 01225 808966
Email: info@1pm.co.uk

(Please note calls may be recorded)


2nd Floor St James House
The Square
Lower Bristol Road
Bath, BA2 3BH, UK

Phone:  01225 474230

Working hours:

Monday-Friday: 9:00 – 17:00

1pm plc (Company No. 05845866) is the parent company of the wholly owned subsidiaries 1pm (UK) Limited, Academy Leasing Limited, Bradgate Business Finance Limited and Intelligent Financing Limited who are individually authorised and regulated by the Financial Conduct Authority.
1pm plc (Company No. 05845866) is also the parent company of Gener8 Finance Limited and Positive Cashflow Finance Limited.
1pm plc Data Protection Licence number: ZA242952