Last updated: May 2026
These terms govern your use of www.workcap.co.uk and any sub-domains unless separate terms apply. By using the website, you agree to these terms. If you do not agree, you should stop using the website.
This website is intended for business users only. We do not provide services to consumers through this website. If you access or use the website, you confirm that you are doing so in the course of a business, trade, profession, office-holder role, employment role or other organisational capacity.
These terms govern use of the website only. Where we provide debt recovery, consulting or other services under a separate written agreement, that agreement governs those services. If there is any conflict, the signed services agreement prevails in relation to the services.
1. Who we are
The website is owned and operated by The Working Capital Group Limited t/a WorkCap, a company registered in England and Wales under number 12718354. Our registered office is Suite 1b Quadrant House North, 65 Croydon Road, Caterham, Surrey, CR3 6PB, United Kingdom.
You can contact us at support@workcap.co.uk. Complaints about our services are handled under our Complaints procedure.
2. Definitions
- Content means any text, graphics, images, video, software, data, downloads and other material appearing on or forming part of the website, including material produced or assisted by automated tools.
- Service means any online facilities, tools, services or information made available through the website.
- System means any online communications infrastructure made available through the website, including forms and email links.
- User, you and your mean any person who accesses the website, other than our employees acting in the course of their employment.
- Website means www.workcap.co.uk and its sub-domains unless separate terms apply.
3. Intellectual property
All Content on the website is owned by us, our licensors, suppliers or other relevant third parties unless stated otherwise. It is protected by UK and international intellectual property laws.
You may view and use the website for legitimate business purposes. You must not copy, reproduce, distribute, scrape, store, exploit or re-use website Content for commercial purposes without our prior written consent, except where permitted by law.
Where Content has been produced or assisted by automated or AI tools, we retain all rights we lawfully hold in that Content. Such use does not waive our rights or place the Content in the public domain.
4. No professional advice or reliance
The website is provided for general business information only. Nothing on the website constitutes legal, financial, regulatory, tax, insolvency, credit-risk or other professional advice.
You should obtain advice specific to your circumstances before acting on website Content. We do not accept responsibility for loss arising from reliance on website Content.
We take reasonable care over website Content but do not warrant that it is accurate, complete, current or free from errors. Content may be updated, changed or removed at any time.
5. Acceptable use
You must not use the website:
- in any unlawful, fraudulent, dishonest, harmful or abusive way;
- to upload, transmit or use defamatory, obscene, infringing, harassing or unlawful material;
- to send spam or unsolicited promotional material;
- to transmit malware, viruses, spyware, harmful code or similar material;
- to attempt to gain unauthorised access to the website, server, systems, data or connected infrastructure;
- to attack, overload, disrupt, scrape or reverse engineer the website or related systems;
- in any way that could damage our reputation, rights, business, systems or services.
We may suspend or block access to the website where we reasonably believe these terms have been breached. We may report unlawful conduct to relevant authorities and co-operate with them where required or permitted by law.
6. Links to and from the website
You may link to our website provided the link is fair and lawful, does not damage our reputation or take advantage of it, and does not suggest any association, approval or endorsement where none exists. We may require you to remove a link if we reasonably consider it inappropriate or unlawful.
Our website may contain links to third-party websites or services. These are provided for convenience only. We do not control them and are not responsible for their content, availability, security or practices. A link does not imply endorsement.
7. Privacy and data protection
We process personal data in accordance with our Privacy Policy, which is available on the website.
If you provide us with personal data relating to another person, you confirm that you have the right to do so, that you have provided any required privacy information to that person, and that your disclosure complies with applicable data protection law.
8. Cookies
This website uses cookies and similar technologies. Strictly necessary cookies are set without your consent because they are required for the website to function. All other cookies are only set where you have given your consent through our cookie consent tool.
You can accept, reject or manage non-essential cookies when you first visit the website, and you can change your preferences at any time using the "Cookie preferences" link in the website footer.
Further details are set out in our Privacy Policy and Cookies Policy.
9. Website availability and security
The website is provided on an "as is" and "as available" basis. We do not guarantee that the website will be available uninterrupted, secure, error-free or compatible with all systems.
We may suspend, withdraw, restrict or change the website at any time for operational, security, legal or business reasons.
We are not liable for disruption or non-availability caused by events outside our reasonable control, including service-provider failures, network issues, cyber incidents, power failures, legal restrictions, public-health measures, natural events, civil unrest or acts of war.
10. Limitation of liability
10.1 To the maximum extent permitted by law, and subject to clause 10.3, we accept no liability for any loss or damage arising from your use of, inability to use, or reliance on the website or its Content.
10.2 We exclude all liability for loss of profits, loss of revenue, loss of business, business interruption, loss of anticipated savings, loss of goodwill, loss of data, and any indirect or consequential loss.
10.3 Nothing in these terms excludes or restricts liability for death or personal injury caused by negligence, fraud or fraudulent misrepresentation, or any other matter for which liability cannot lawfully be excluded or restricted.
10.4 You and we agree that the exclusions and limitations in this clause are reasonable in the circumstances, having regard to the Unfair Contract Terms Act 1977.
10.5 If any exclusion or limitation is found to be unlawful, invalid or unenforceable, it will be deemed severed and the remaining terms will continue in force.
11. Business users only
This website is intended for business users only. It is not directed at consumers, and we do not provide services to consumers through this website.
12. Changes to the website and these terms
We may update the website and these terms from time to time. The last updated date above shows when these terms were most recently revised. Your continued use of the website after changes take effect constitutes acceptance of the revised terms.
We review these terms at least annually.
13. Notices
Notices and communications to us should be sent to our registered office or to support@workcap.co.uk. Notices sent by first-class post are deemed received three business days after posting. Notices sent by email are deemed received at the time of transmission, or, if outside the recipient's business hours, at 9.00am on the next business day, provided no delivery-failure notice is received.
14. General
No failure or delay in exercising any right or remedy under these terms will operate as a waiver. No single or partial exercise of a right or remedy will prevent further exercise of that or any other right or remedy.
These terms, together with any documents referred to in them, form the agreement between you and us in relation to website use.
15. Law and jurisdiction
These terms and any non-contractual disputes or claims arising from or relating to them, the website or its Content are governed by the laws of England and Wales. The courts of England and Wales have exclusive jurisdiction.