Terms and Conditions

By Using Our Website You Accept These Terms and Conditions 

Please read these Terms and Conditions carefully and ensure that you understand them before using Our Site. These Terms and Conditions, together with any other documents referred to herein, set out the terms of use governing your use of this website, https://vas-group.co.uk incorporating  https://manager.vas-panel.com/ (“Our Site”).  

These Terms and Conditions were last updated on 5/08/2026.  

Your agreement to comply with these Terms and Conditions is indicated by your use of Our Site. If you do not agree to these Terms and Conditions, you must stop using Our Site immediately. 

The following documents also apply to your use of Our Site: 

1. Definitions and Interpretation  

“Content” means any and all text, images, audio, video, scripts, code, software, databases, and any other form of information capable of being stored on a computer that appears on, or forms part of, Our Site; and 
“We/Us/Our” means VPanel Limited T/A VAS 

2. Information About Us 

VPanel Ltd T/A VAS  

Limited Company 

Registered in England under company number – 10893297 

VAT number: 279643454 

We are a member of The Bridging & Development Lenders Association, as well as the National Association of Commercial Finance Brokers (NACFB). 

VAS’ registered / trading address is: Riverside House, Unit 17, High Force Road, Riverside Park, Middlesbrough, TS2 1RH 

Data Protection Contact – dataprivacy@vas-group.co.uk 

3. How to Contact Us 

To contact Us, please email us at VASMgt@vas-group.co.uk, dataprivacy@vas-group.co.uk or telephone us on 01642 262 217. 

4. Access to Our Site 

  1. Access to Our Site is free of charge. 
  2. It is your responsibility to make the arrangements necessary in order to access Our Site. 
  3. Access to Our Site is provided on an “as is” and on an “as available” basis. We may suspend or discontinue Our Site (or any part of it) at any time. We do not guarantee that Our Site will always be available or that access to it will be uninterrupted.  

 5. Changes to Our Site 

We may alter and update Our Site (or any part of it) at any time. 

6. Changes to these Terms and Conditions 

  1. We may alter these Terms and Conditions at any time. If We do so, details of the changes will be highlighted at the top of this page. As explained above, your use of Our Site constitutes your acceptance of these Terms and Conditions. Consequently, any changes made to these Terms and Conditions will apply to your use of Our Site the first time you use it after the changes have been implemented. You are therefore advised to check this page every time you use Our Site. 
  2. If any part of the current version of these Terms and Conditions conflicts with any previous version(s), the current version shall prevail unless We explicitly state otherwise.

7. How You May Use Our Site and Content (Intellectual Property Rights) 

All content included on Our website contains certain valuable information of VAS, including but not limited to the visual order, presentation, design and display of all information, data and associated analysis or recommendations. VPanel Limited T/A VAS, asserts its rights of ownership or control over all and any intellectual property which are comprised on our website, including any trade marks, designs (whether officially registered or unregistered), trade names, brands, logos, copyright, or similar rights and you must not use, replicate, extract or ‘scrape’ all or any part of such information or copyright material unless you have written permission from us to do so.  All content is protected by applicable United Kingdom and international intellectual property laws and treaties. Any questions regarding Intellectual Property can be addressed to us at dataprivacy@vas-group.co.uk. 

  1. You may access, view, and use Our Site in a web browser (including any web browsing capability built into other types of software or app) and you may download Our Site (or any part of it) for caching (this usually occurs automatically). 
  2. You may print copies and download extracts of any page(s) from Our Site for personal use. 
  3. Our status as the owner and author of the Content on Our Site (or that of identified licensors, as applicable) must always be acknowledged. 
  4. You may not use any Content saved or downloaded from Our Site for commercial purposes without first obtaining a licence from Us (or Our licensors, as applicable). This does not prevent the normal access, viewing, and use of Our Site for general information purposes by business users or consumers. 
  5. Nothing in these Terms and Conditions limits or excludes the provisions of Chapter III of the Copyright, Designs and Patents Act 1988, ‘Acts Permitted in Relation to Copyright Works’, which provides exceptions allowing certain uses of copyright material including (but not limited to) non-commercial research and private study; text and data mining for non-commercial research; criticism, review, and reporting current events; teaching; accessibility; time-shifting; and parody, caricature, and pastiche. Further information is available from the UK Intellectual Property Office. 

8. Links to Our Site 

  1. You must not frame or embed Our Site on another website without Our express written permission. 
  2. You may not link to Our Site from another website the main content of which is unlawful; obscene; offensive; inappropriate; dishonest; defamatory; threatening; racist, sexist, or otherwise discriminatory; that promotes violence, racial hatred, or terrorism; that infringes intellectual property rights; or that We deem to be otherwise objectionable. 

9. Links to Other Sites 

  1. Links to other websites may be included on Our Site. Unless expressly stated, these sites are not under Our control. We accept no responsibility or liability for the content of third-party websites. 
  2. The inclusion of a link to another website on Our Site is for information purposes only and does not imply any endorsement of that website or of its owners, operators, or any other parties involved with it. 

10. Disclaimers 

  1. Nothing on Our Site constitutes professional advice on which you should rely. It is provided for general information purposes only.  
  2. We make reasonable efforts to ensure that the Content on Our Site is complete, accurate, and up to date, but We make no warranties, representations, or guarantees (express or implied) that this will always be the case. 
  3. If you are a business user, We exclude all implied representations, warranties, conditions, and other terms that may apply to Our Site and Content. 

11. Our Liability 

  1. Nothing in these Terms and Conditions excludes or restricts Our liability for fraud or fraudulent misrepresentation, for death or personal injury resulting from negligence, or for any other forms of liability which cannot be lawfully excluded or restricted. 
  2. If you are a business user (i.e. you are using Our Site in the course of business or for commercial purposes), to the fullest extent permissible by law, We accept no liability for any loss or damage, whether foreseeable or otherwise, in contract, tort (including negligence), for breach of statutory duty, or otherwise, arising out of or in connection with the use of (or inability to use) Our Site or the use of or reliance upon any Content included on Our Site. 
  3. If you are a business user, We accept no liability for loss of profit, sales, business, or revenue; loss of business opportunity, goodwill, or reputation; loss of anticipated savings; business interruption; or for any indirect or consequential loss or damage. 

12. Viruses, Malware, and Security 

  1. We exercise reasonable skill and care to ensure that Our Site is secure and free from viruses and malware; however, we do not guarantee that this is the case. 
  2. You are responsible for protecting your hardware, software, data, and other material from viruses, malware, and other internet security risks. 
  3. You must not deliberately introduce viruses or other malware, or any other material which is malicious or technologically harmful either to or via Our Site. 
  4. You must not attempt to gain unauthorised access to any part of Our Site, the server on which Our Site is stored, or any other server, computer, or database connected to Our Site. 
  5. You must not attack Our Site by means of a denial-of-service attack, a distributed denial of service attack, or by any other means. 
  6. By breaching the provisions of Parts 12.3 to 12.5, you may be committing a criminal offence under the Computer Misuse Act 1990. Any and all such breaches will be reported to the relevant law enforcement authorities and We will cooperate fully with those authorities by disclosing your identity to them. Your right to use Our Site will cease immediately in the event of such a breach. 

13. Acceptable Usage of Our Site 

  1. You may only use Our Site in a lawful manner: 
  2. You must ensure that you comply fully with any and all local, national, or international laws and regulations that apply; 
  3. You must not use Our site in any way, or for any purpose, that is unlawful or fraudulent; and 
  4. You must not use Our Site to knowingly send, upload, or in any other way transmit data that contains any form of virus or other malware or any other code designed to adversely affect computer hardware, software, or data of any kind. 
  5. If you fail to comply with the provisions of this Part 13, you will be in breach of these Terms and Conditions. We may take one or more of the following actions in response: 
  6. Suspend or terminate your right to use Our Site; 
  7. Issue you with a written warning; 
  8. Take legal proceedings against you for reimbursement of any and all relevant costs on an indemnity basis resulting from your breach; 
  9. Take further legal action against you, as appropriate; 
  10. Disclose such information to law enforcement authorities as required or as We deem reasonably necessary; and/or 
  11. Any other actions which We deem reasonably appropriate (and lawful). 
  12. We hereby exclude any and all liability arising out of any actions that We may take (including but not limited to those set out above in Part 13.2) in response to your breach. 

14. How We Use Your Personal Information 

We will only use your personal information as set out in Our Privacy Policy, available from our website or at dataprivacy@vas-group.co.uk. 

15. Communications from Us 

  1. If we have your contact details, we may send you important notices by email from time to time. Such notices may relate to matters including, but not limited to, changes to Our Site, these Terms and Conditions and Services that may be of interest to you. 
  2. For questions, to opt out or complaints about communications from Us, please contact Us using the details above in Part 3. 

16. Law and Jurisdiction 

  1. These Terms and Conditions, and the relationship between you and Us (whether contractual or otherwise) shall be governed by, and construed in accordance with, English law. 
  2. If you are a consumer, you will benefit from any mandatory provisions of the law in your country of residence. Nothing in Part 16.1 takes away from or reduces your legal rights as a consumer. 
  3. If you are a consumer, any dispute, controversy, proceedings, or claim between you and Us relating to these Terms and Conditions or to the relationship between you and Us (whether contractual or otherwise) shall be subject to the jurisdiction of the courts of England, Wales, Scotland, or Northern Ireland, as determined by your residency. 
  4. If you are a business user, any dispute, controversy, proceedings, or claim between you and Us relating to these Terms and Conditions or to the relationship between you and Us (whether contractual or otherwise) shall be subject to the exclusive jurisdiction of the courts of England and Wales. 

This Policy has been approved & authorised: 05/08/2026 

Contact Us





    Middlesborough