Terms & conditions
1. Website terms and conditions of use
This website is owned and maintained by 91心頭 limited formerly known as The Model T Finance Ltd (“us, we” or our). The services and information on this website (“Materials”) are provided for Clients or prospective Clients of 91心頭 (91心頭), SilverRock Financial Services Limited (SilverRock), and any subsidiaries. 91心頭 is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Registration No. 850286. Registered in England and Wales with Companies House No 12531117. Registered office: 73 Brook Street, Mayfair, London, W1K 4HX.
The use of this website is subject to the following terms and conditions that you should read carefully. By using this website you agree to be legally bound by these terms and conditions. If you do not accept these terms and conditions, please do not use this website. We may update or change our websites from time to time.
All of our products and services have their own terms and conditions. If you are considering applying for any of our products or services, please read these first. These should be read together with the following website terms and conditions. However, if there is any conflict between the two, the terms and conditions for the particular product or service will prevail.
2. Use of website
The information contained or displayed on the websites and portals is believed to be reliable when displayed. Whilst reasonable care has been taken to ensure that the information and functions contained or displayed on this site are complete and correct, the Bank does not warrant or represent, or give any guarantee, condition or other term (whether express or implied by statute, common law or otherwise) that such information or functions is or are free from errors or omissions or that the information contained or displayed on the websites and portals is suitable for your intended use. This website is designed to be accessed through its principal home pages and such other pages as we may decide. If you access the website 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 “Legal Information”. This will contain important details and/or relevant legal or regulatory information and should be read in conjunction with the relevant website pages.
3. Prohibited uses
You must not use this website (or permit or procure other to use it) as follows:
i. for any unlawful, improper or illegal purpose or activity;
ii. to violate copyright, trademark, proprietary or other intellectual property rights of any member of our group or any third party;
iii. to damage the name or reputation of any member of our group or any third party;
iv. to impersonate any of our employees or other person or use a false name while using this website or implying an association with us;
v. to generate excessive amounts of internet traffic, to interfere with our network or others use of this website or to engage in activities designed to or having the effect of degrading or denying service to users of this website or others;
vi. to introduce a computer virus, ‘trojan horse’, worm, logic bomb, back door, malware or similar item onto the internet or into this website; or
vii. to transmit confidential or proprietary information, except your own and then solely at your own risk.
4. Exclusion of liability
Whether you are a consumer or a business user, we do not exclude or limit our liability for:
- death or personal injury caused by our negligence; or
- our fraudulent misrepresentation, misrepresentation as to a fundamental matter, or to any other representations that it would be unreasonable in law to exclude; or
- our breach of the obligations implied by Section 12 Sale of Goods Act 1979 or Section 2 Supply of Goods and Services Act 1982; or
- any other liability which cannot be excluded or limited by applicable law.
If you are a consumer:
We shall not be liable to you for any losses arising out of your use of the websites, including without limitation, loss of profit, loss of business, business interruption or loss of business opportunity.
The websites are provided to you on an as is and as available basis and we make no warranty that it is complete, accurate or upto date. Provided we have used reasonable skill and care in providing our digital content to you, we will not be liable to you for any damage it may cause to you device or your own content. We recommend that in accessing our websites and portals you ensure you meet the minimum system requirements for doing so.
If you are a business:
We exclude all implied conditions, warranties, representations or other terms that may apply to our site or any content on it.
We shall not be liable for any: a) indirect or consequential losses, damages, costs or expenses; b) loss of actual or anticipated profits; c) loss of use of money; d) loss of revenue; e) loss of goodwill; f) loss of reputation; g) loss of business or contracts; h) loss of operation time; i) loss of opportunity; or j) loss of or damage to data, suffered by any user of the websites and portals whether or not such losses were reasonably foreseeable or we had been advised of the possibility of you incurring such losses, arising from the use of or inability to use the websites and portals, or any material contained in it or accessible from it, or from any action or decision taken as a result of using the websites and portals or any such material.
This does not affect any liability we have and/or any obligations we have to our customers under any regulations issued by our regulators from time to time.
5. Third party sites
Our websites and portals may from time to time contain links to and from third party sites. Whilst every effort is made by us to vet third party sites, we can provide no control over and accept no responsibility for the content of such linked sites and exclude all warranties and all liability for any loss or damage you incur as a result of your use of such sites. You must not frame any of the websites and portals onto your own or another persons website and you cannot provide a link from your website to the home pages of our websites and portals without our permission. If we find any such link, we reserve the right to ask you to remove it immediately or we may remove it immediately.
6. Advice
The contents of this website do not purport to provide any financial, investment or professional advice and nothing on the pages of this website shall be deemed to constitute the offer or provision of financial, investment or other professional advice in any way. In particular, you should obtain advice from a qualified financial adviser before making any investment decision.
7. Changes to this website
The contents of this website, including these terms and conditions of use, are subject to change by us without notification. Additionally, we shall not be obliged to remove any outdated information from the website or to expressly mark it as being outdated.
8. Internet communications
In order to maintain the security of its systems, protect its staff and detect fraud and other crimes, we reserve the right to monitor all internet communications, including web and email traffic, into and out of its domains. Monitoring includes (without limitation) checks for viruses and other malignant code, criminal activity, and use or content that is unauthorised or unlawful or material that may cause offence in any way.
9. Enforceability
In the event that any provision of these terms and conditions of use and access of this website is held unenforceable, it will not affect the validity and enforceability of the remaining provisions and will be replaced by an enforceable provision that comes the closest to the intention underlying the unenforceable provision.
10. Governing law
The terms and conditions of use of this website are governed by the laws of England and Wales and any dispute regarding this website shall be subject to the non-exclusive jurisdiction of the courts of England and Wales.
Published: 16th October 2025