Terms and Conditions

Acceptance of Terms

By accessing this site (our site), you acknowledge that you have read and accept the Terms of Use set out below. By using this website you agree to be legally bound by these terms and conditions.

Use of this website

The information provided on this website or in any communication containing a link to this site is for personal use and information purposes only and is not intended for distribution to, or use by, any person or entity in any jurisdiction in any country where such distribution or use would be contrary to law or regulation or which would subject any member of JBR Capital to any registration requirement within such jurisdiction or country. Where any opinions are expressed on this website, they are provided by JBR Capital for personal use and for information purposes only.
Unless otherwise stated, the services and products on this website are intended for use by residents of the United Kingdom only, and are not aimed at or intended for use by residents of any other jurisdictions.
Where any information on this website constitutes a financial promotion it is issued and approved for publication and distribution in the United Kingdom only.
This website is designed to be accessed through its principal home pages and such other pages as we may decide. If you access the site through individual pages directly, which are not designed for this purpose, you may not see important information that is relevant to information on this website. You will be referred on certain site pages to read “Terms and Conditions”. This will contain important details and relevant legal or regulatory information and should be read in conjunction with the relevant site pages.


While we endeavour to ensure that the information on the site is correct, we do not warrant the accuracy and completeness of the material on the site. We may make changes to the material on the site, at any time without notice. The material on the site may be out of date and we make no commitment to update such material. Information and material on this site is provided “as is” and does not constitute a warranty of any kind, either express or implied. This includes but is not limited to, implied warranties of merchantability, fitness for a particular purpose, and non-infringement. Except where prohibited by law, this disclaimer also includes any express or implied warranties arising from any course of dealing, usage, or trade practice.

Limitation of Liability

Your use of and reliance on this website is entirely at your own risk. The website is provided “As Is” and “As Available”.
The information contained on this website is given for general information and interest purposes only. Whilst we try and ensure the information contained on the website is accurate and up to date, we cannot be responsible for any inaccuracies in the information. As a result, you should not rely on this information, and we recommend that you take further advice or seek further guidance before taking any action based on the information contained on this website.
Our liability to you as explained below remains unaffected by this.
We shall not be liable in respect of any loss, damage or damages however arising and whatever the cause, in particular pursuant to and in furtherance of these Terms, your access to the website or from your inability to access the website.
We do not accept any liability for any acts or omissions resulting from your decision or opinion formed on the basis of you use of the website. Use of this website is at your sole risk. We shall not be liable for any loss or damage whatsoever and howsoever arising as a result of your use of or reliance on the information contained on the website to the maximum extent permitted by law.
We do not guarantee that this website will be compatible with all or any hardware and software which you may use. We do not guarantee that this website will be available all the time or at any specific time, that access will be uninterrupted, that there will be no delays, failure, errors or omissions or loss of transmitted information. We shall not be liable to you for any physical loss or damage to your computer as a result of your use of this website, including any damage arising as a result of a virus. You have sole responsibility for adequate protection and back up of data and/or equipment.
These terms and conditions do not exclude our liability (if any) to you for:
• personal injury or death resulting from our negligence;
• fraud;
• any matter which it would be illegal for us to exclude or to attempt to exclude our liability.
Our liability to you shall not in any circumstances include any business losses that you may incur, including but not limited to lost data, lost profits or business interruption.

Personal data

By agreeing to be bound by these terms and conditions, you are agreeing to be bound by our Privacy Policy.

Telephone calls

Calls may be recorded for training and monitoring purposes.


JBR Capital is committed to respecting the intellectual property rights of others and we ask that the users and visitors to our website do the same. JBR Capital may, in its sole discretion, terminate the accounts or access rights of users or visitors who violate the intellectual property rights of JBR Capital and others.

Information from the site

The Site contains information of a general nature and should not be treated as comprehensive. You should take appropriate professional advice before relying on the information on the Site.
You agree that your use of the Site is on an “as is” and “as available” basis and that your use of the Site is at your sole risk. On that basis, except as expressly set out in these terms, JBR Capital does not enter into conditions, warranties or other terms in relation to the Site (including any implied term relating to quality, fitness for a particular purpose).
You agree that the obtaining of any material through the Site is carried out at your own risk and that JBR Capital has no liability to you in respect of such material or the effects of such material.
JBR Capital may change the format and content of the Site from time to time. You should refresh your browser each time you visit the Site to ensure that you download the most up to date version of the Site.

Posting and submission of information>

Other than personal information, which is covered under our Privacy Policy, any material you transmit or post to the site shall be considered non-confidential and non-proprietary. JBR Capital may share or otherwise use your material for any purpose whatsoever.
You may use our site only for lawful purposes. You are prohibited from posting or transmitting to or from the site any material that is unlawful, technically harmful, malicious, in breach of third party intellectual property rights, threatening, defamatory, obscene, or is otherwise offensive.
You warrant that any material you upload to our site or make available to other users of our site complies with these Terms of Use and you indemnify us for any breach of that warranty.
We will not be responsible, or liable to any third party, for the content or accuracy of any materials posted by you or any other user of our site.
We have the right to remove any material or posting you make on our site.

External Links>

The Site may from time to time include links to external sites and co-branded pages. AFL has included links to these sites and co-branded pages to provide you with access to information and services that you may find useful or interesting. AFL is not responsible for the content of these site and pages or for anything provided by them.

General and Governing Law>

JBR CAPITAL may change these terms and conditions from time to time and will endeavour to notify you of any major changes by posting a message on the Site. You should check these terms and conditions each time you revisit the Site. These terms and conditions form the entire understanding of the parties and supersede all previous agreements, understandings and representations relating to the subject matter. If any provision of these terms and conditions is found to be unenforceable, this shall not affect the validity of any other provision. JBR CAPITAL may delay enforcing its rights under these terms and conditions without losing them. JBR CAPITAL will not be liable to you for any breach of these terms and conditions which arises because of any circumstances which JBR CAPITAL cannot reasonably be expected to control. You agree that JBR CAPITAL may sub-contract the performance of any of its obligations or may assign these terms and conditions or any of its rights or obligations without giving you notice. These terms and conditions shall be governed by English law, and you consent to the non-number one jurisdiction of the English courts.

Regulatory information>

JBR Capital Limited is registered in England and Wales with company number 7520989 and registered office at 773 Finchley Road, London, NW11 8DN.
JBR Capital Limited is authorised and regulated by the Financial Conduct Authority. Firm reference number is 659794.

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COVID-19 Update

Our thoughts are with all of those affected by the virus and we have taken the decision to protect the JBR workforce by closing our London office.

If you are an existing customer and you are concerned about your ability to make repayments on your agreement please contact us via email at collections@jbrcapital.com.


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