Terms & Conditions

These Terms of Service (“Terms”, “Agreement”) govern your access to and use of the website, services, consultations, and related materials offered by Pearl Lemon Capital (“we”, “our”, “us”). By visiting our website, submitting an enquiry, or engaging with our services, you agree to be bound by these Terms. If you do not agree, you must discontinue use of our website and services.

Pearl Lemon Capital operates as part of the Pearl Lemon Group, a UK-based organisation active across consulting, accountancy, business support, property services, and related sectors. Our role is to provide support, preparation, and guidance related to business finance, commercial lending, asset funding, and property-backed facilities.

Please read this document carefully. These Terms apply to all users of our website and all clients who engage with our services.

1. Definitions

For clarity, the following terms are used throughout this Agreement:

• “Client”, “you”, “your” refers to any individual, business, developer, company, or organisation engaging with our website or services.
  
  
• “Services” refers to the funding guidance, document preparation, lender introductions, consultations, assessments, and related support provided by Pearl Lemon Capital.
  
  
• “Website” refers to www.[insertdomain].com or any online platform operated by Pearl Lemon Capital.
  
  
• “Lender” refers to banks, finance houses, commercial lenders, institutions, or third-party entities who may review or consider applications submitted by or through our guidance.
  
  
• “Agreement” refers to these Terms of Service, along with any referenced policies such as our Privacy Policy and Cookie Policy.
  
  

2. Scope of Our Services

Pearl Lemon Capital provides preparation, communication support, and guidance throughout the funding process. Our services may include:

• Initial review of funding requirements
  
  
• Assessment of documentation and financial information
  
  
• Guidance on lender expectations
  
  
• Presentation of potential funding options
  
  
• Introduction to lenders or external financial institutions
  
  
• Support through underwriting, valuation, and legal stages
  
  
• Ongoing communication related to the funding request
  
  

We are not a lender and do not issue loans, credit facilities, or financial products directly.

2.1 No Financial Advice

Information provided by Pearl Lemon Capital should not be interpreted as:

• Financial advice
  
  
• Investment advice
  
  
• Legal or tax advice
  
  
• A recommendation to accept or reject any lender’s offer
  
  

Clients are encouraged to seek independent professional advice before agreeing to any financial arrangement.

2.2 No Guaranteed Outcomes

We provide structured support, but we cannot guarantee:

• Approval of funding requests
  
  
• Specific terms or rates
  
  
• Timeframes for completion
  
  
• Lender decisions
  
  

All decisions remain at the discretion of the lender.

3. Client Responsibilities

Clients must ensure that all information provided is accurate, complete, and up to date. This includes but is not limited to:

• Accounts
  
  
• Bank statements
  
  
• Projections
  
  
• Identity documents
  
  
• Business information
  
  
• Project details
  
  

If inaccurate or incomplete information is submitted, it may delay the process or result in rejection by lenders.

Clients are also responsible for reviewing any lender terms, conditions, agreements, or offers before signing.

4. Eligibility

By using our services, you confirm that:

• You are at least 18 years old
  
  
• You are legally capable of entering into binding contracts
  
  
• You are authorised to act on behalf of the business or organisation you represent
  
  
• The information you provide is true and lawful
  
  

We reserve the right to decline service if eligibility requirements are not met.

5. Fees and Payment Terms

Pearl Lemon Capital may charge fees for certain services. Fee structures will be communicated clearly before work begins.

Types of fees may include:

• Arrangement fees
  
  
• Consultancy fees
  
  
• Preparation fees
  
  
• Referral or success-based fees (if applicable)
  
  
• Fees charged by third-party providers
  
  

5.1 Invoices and Payments

Invoices must be paid by the due date specified. Failure to pay may result in:

• Suspension of services
  
  
• Additional charges
  
  
• Termination of agreement
  
  

5.2 Third-Party Costs

Valuations, legal services, surveys, and other third-party activities may involve additional costs. These are the responsibility of the client unless otherwise agreed.

6. Lender Introductions

Pearl Lemon Capital may introduce clients to lenders based on the information provided.
Introductions are not endorsements or recommendations.

Lenders are independent third parties, and we do not control:

• Their decisions
  
  
• Their processes
  
  
• Their terms
  
  
• Their approval criteria
  
  

Clients engage with lenders at their own discretion.

7. Communication and Correspondence

We aim to provide clear communication throughout the process. However:

• Response times may vary depending on volume and complexity
  
  
• Clients must provide timely responses
  
  
• Delays in communication may affect service delivery
  
  

All formal communication should be directed to our official email address or through documented channels.

8. Confidentiality

We handle client information responsibly and do not disclose confidential information unless:

• Required by law
  
  
• Required by lenders for assessment
  
  
• Required by authorised third parties for service delivery
  
  
• Explicitly permitted by the client
  
  

We maintain confidentiality in accordance with applicable regulations.

9. Data Protection and Privacy

Pearl Lemon Capital complies with UK GDPR and the Data Protection Act 2018.

Our Privacy Policy (available separately) outlines:

• What information we collect
  
  
• How we use it
  
  
• How we store and protect it
  
  
• Your rights as a data subject
  
  

By using our services, you agree to the terms outlined in our Privacy Policy.

10. Intellectual Property

All content created by Pearl Lemon Capital—including website content, guides, documents, branding, design, and materials—is protected by copyright and intellectual property law.

Clients may not:

• Copy
  
  
• Reproduce
  
  
• Distribute
  
  
• Modify
  
  
• Reverse engineer
  
  
• Sell
  
  

any part of our content without written permission.

11. Use of Our Website

You may not use our website for:

• Unlawful activities
  
  
• Attempted security breaches
  
  
• Automated scraping
  
  
• Interference with website functionality
  
  
• Fraudulent or misleading submissions
  
  

We reserve the right to restrict access to the website for misuse or breach of Terms.

12. Third-Party Links

Our website may contain links to third-party sites.
These links are provided for convenience.

We do not accept responsibility for:

• Their content
  
  
• Their privacy practices
  
  
• Their security
  
  

Clients should review external site policies separately.

13. Limitation of Liability

To the maximum extent permitted by law, Pearl Lemon Capital is not liable for:

• Decisions made by lenders
  
  
• Losses arising from incomplete or incorrect information provided by clients
  
  
• Losses related to delays in funding processes
  
  
• Losses resulting from reliance on information provided through our services
  
  
• Indirect, incidental, or consequential damages
  
  

Our total liability will not exceed the amount paid by the client for services rendered.

14. Indemnification

Clients agree to indemnify Pearl Lemon Capital against claims, damages, or losses arising from:

• Misuse of our services
  
  
• Submission of false or misleading information
  
  
• Breach of these Terms
  
  
• Actions taken by lenders based on provided information
  
  

15. Service Modifications

We reserve the right to:

• Update
  
  
• Modify
  
  
• Suspend
  
  
• Discontinue
  
  

any part of our services or website without prior notice.
This includes changes to processes, documentation requirements, or pricing structures.

16. Termination

Pearl Lemon Capital may terminate services if:

• The client breaches these Terms
  
  
• The client provides false or misleading information
  
  
• Payment is not received as agreed
  
  
• Cooperation or communication is insufficient
  
  
• Engagement becomes unfeasible due to external reasons
  
  

Clients may also terminate services at any time, subject to payment for any work already completed.

17. Dispute Resolution

If a dispute arises:

17.1 Internal Resolution

Clients should first raise the issue with our team for resolution.

17.2 Mediation

If unresolved, parties may agree to non-binding mediation.

17.3 Legal Jurisdiction

These Terms are governed by the laws of England and Wales.
Any legal proceedings shall be handled exclusively by courts in this jurisdiction.

18. Severability

If any term is found unlawful or unenforceable:

• The remainder of the Terms will remain in effect
  
  
• The invalid term will be replaced with a lawful, enforceable alternative closest in meaning
  
  

19. Entire Agreement

These Terms, along with referenced policies, form the entire agreement between the client and Pearl Lemon Capital.
No verbal statements or informal communications shall override this Agreement.

20. Updates to These Terms

We may revise these Terms periodically.
Updated versions will be posted on our website with a new effective date.
Continued use of our services constitutes acceptance of the updated Terms.