Terms of Service

1. Acceptance of Terms

By accessing and using the Spark Intel website (sparkintel.co.uk), you agree to be bound by these Terms of Service. If you do not agree with any part of these terms, you should not use the website.

2. About Spark Intel

Spark Intel is a trading style of Clover Technology Limited, which is owned by Spark Finance Group Plc. References to "Spark Intel", "we", "us", or "our" in these terms mean Clover Technology Limited.

3. Use of the Website

You agree to use the website only for lawful purposes and in a manner that does not:

• Infringe the rights of any third party
• Restrict or inhibit any other user's use of the website
• Breach any applicable local, national, or international law or regulation
• Use automated tools to scrape, crawl, or extract data beyond what is permitted

4. Intellectual Property

All content on this website, including text, graphics, logos, research reports, data analysis, and code, is the property of Clover Technology Limited or its licensors and is protected by intellectual property laws. You may not reproduce, distribute, or create derivative works from this content without our prior written consent.

5. Research and Data

The research, reports, and data published on Spark Intel are provided for informational purposes only. While we endeavour to ensure accuracy:

• We do not guarantee the completeness, reliability, or accuracy of any data or analysis
• Content should not be relied upon as the sole basis for making commercial or financial decisions
• Research contains public sector information licensed under the Open Government Licence v3.0 where applicable
• You should conduct your own due diligence and seek professional advice where appropriate

6. Calculators and Tools

Business finance calculators and tools provided on this website produce indicative estimates only. They are not financial advice and should not be treated as such. Actual terms, rates, and outcomes may differ materially from calculator outputs.

7. Third-Party Links

This website may contain links to third-party websites, including Spark Finance (sparkfinance.co.uk). We are not responsible for the content, privacy practices, or terms of any linked third-party websites.

8. Limitation of Liability

To the fullest extent permitted by law, Clover Technology Limited shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of this website or reliance on any information provided.

9. Modifications

We reserve the right to modify these Terms of Service at any time. Changes will be effective immediately upon posting to this page. Continued use of the website following any changes constitutes your acceptance of the revised terms.

10. Governing Law

These terms are governed by and construed in accordance with the laws of England and Wales. Any disputes arising from these terms or your use of the website shall be subject to the exclusive jurisdiction of the courts of England and Wales.

11. Contact

For questions about these terms, please contact us via Spark Finance.