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Terms and Conditions


Thank you for accessing (the “Web Site”). Please read these terms and conditions (the “Terms”) before using the Web Site which is operated by Pennaf Limited (registered number 04644360), whose registered office and head office is at 72 Ffordd William Morgan St Asaph Business Park St Asaph Denbighshire LL17 0JD (“Pennaf“).  Pennaf’s VAT number is 771911423.

We are regulated by The Welsh Government and are required to comply with The Regulatory Framework for Housing Associations Registered in Wales.

Pennaf is a private company limited by guarantee.

Clwyd Alyn Housing Association Limited is authorised and regulated by the Financial Conduct Authority. - See more at:

Should you wish to contact Pennaf at any time, please e-mail us at

By using the Web Site, you signify your acceptance of the Terms in consideration of which Pennaf provide you with access.  From time to time Pennaf may modify the Terms.  Accordingly, please continue to review the Terms whenever accessing or using the Web Site.  If at any time you do not wish to accept the Terms, you may not use the Web Site.

No Reliance

While Pennaf has endeavoured to ensure the material accuracy of the information available on the Web Site, Pennaf does not guarantee or give any warranty as to the accuracy, timeliness or completeness of any information or material on the Web Site.  The contents of this Web Site are for information only, nothing on this site constitutes professional advice and advice should always be taken from a qualified professional in relation to any specific problem or concern.  Pennaf therefore disclaims all liability and responsibility arising from any reliance placed on such information or materials by any visitor to the Web Site.

Links to the Website

Web Sites or pages to which the Web Site is linked are for information only and have not been reviewed by Pennaf. Pennaf has no responsibility for the content of the web sites or pages linked or linking to this Web Site, and Pennaf accepts no responsibility or liability for any losses or penalties whatsoever that may be incurred as a result of your clicking through to linked web sites.

Intellectual Property

The Web Site, including (but not limited to) text, content, software, graphics, photographs, illustrations, artwork, photographs, names, logos, trade marks and other material (“Content”) is protected by copyrights, database, trade marks and/or other intellectual property rights.

The Content includes both content owned or controlled by Pennaf and content owned or controlled by third parties and licensed to Pennaf.

All individual articles, reports, and other elements making up the Web Site are copyright works.  You agree to abide by all additional copyright notices or restrictions contained in the Web Site and the licence set out below.

You may not use any of Pennaf’s trade marks or trade names without Pennaf‘s consent and you acknowledge that you have no ownership rights in and to any of those names and marks.  You agree to notify Pennaf in writing promptly upon becoming aware of any unauthorised access to or use of the Web Site by any party or of any claim that the Web Site or any of the contents of the Web Site infringes any copyright, trade mark, or other contractual, statutory or common law rights of any party.

Licence Rights

Access to the Web Site is provided on a temporary basis and you acknowledge that you acquire no rights or licences in or to the Web Site and/or the Content other than the limited right to use the Web Site in accordance with these Terms and to download on the terms set out in this section.

Other than as set out in this section (or provided by applicable law) you may not copy, decompile, disassemble, reverse engineer, distribute, make available, adapt, upload, or in any other way exploit any part of the Web Site.

Download is permitted by Pennaf provided only that:

  • you make only personal, non-commercial use of any download and/or printed copy of the Web Site and do not modify any Content you have printed off; and
  • you retain on such download and/or printed copy all copyright notices and shall remain bound by the terms of such wording and notices.

Additionally, you may not offer for sale or sell, make available or distribute over any other medium (including distribution by over-the-air television or radio broadcast or distribution on a computer network) the Content or any part thereof.

Without prejudice to the generality of the foregoing, you may link to our Web Site, provided always that any link is made to our home page [].  Save with our express permission, you may not deep link to our Web Site (that is, provide links to pages other than the home page) or make any part of the Web Site available as part of another web site, whether by framing on the internet or otherwise.

The Web Site and the information contained therein may not be used to construct a database of any kind, nor may the Web Site be stored (in its entirety or in any part) in databases for access by you or any third party or to distribute any database web sites containing all or part of the Web Site.


If you would like information about obtaining Pennaf‘s permission to use any of the Content or if you would like to insert deep links on your web site to the web pages or Content available on the Web Site, please e-mail

No Warranty

The Web Site and the Content are provided “as is” excluding any warranties and conditions of any kind, either express or implied, to the fullest extent permissible pursuant to applicable law including (but not limited to) the exclusion of warranties and conditions as to title, merchantability, satisfactory quality, fitness for a particular purpose and non-infringement of proprietary or third party rights. Pennaf further accepts no responsibility or liability for functions contained on the Web Site and makes no warranties that the Web Site will operate uninterrupted or error-free or that defects will be corrected.

Pennaf does not warrant that the Web Site is compatible with your computer equipment or that the Web Site or its server is free of errors.  You should ensure that you have installed up to date virus checking software prior to any internet session and Pennaf is not liable for any damage you may suffer as a result of such destructive features that may infect your computer or data due to your use of the Web Site or your downloading of any material posted on it.

Pennaf shall not be held responsible for Content provided by third parties. Pennaf is also not responsible for the reliability or continued availability of the telephone lines and equipment you use to access the Web Site.

These Terms do not affect your statutory rights or your legal rights as a consumer.

Limitation of Liability

You acknowledge that your use of the Web Site, including the Content, is at your own risk.  If you are dissatisfied with the Web Site, the Terms or any or the Content your sole remedy is to discontinue use of the Web Site.  Save in respect of fraud and of personal injury or death to the extent it results from Pennaf‘s negligence, in no event will Pennaf be liable to you or any third party for any direct, special, indirect, consequential or incidental damages, exemplary or lost profits, or any other damages of any kind whether based in contract, tort (including negligence) or otherwise, even if Pennaf has been advised of the possibility thereof.  If your use of material in the Web Site results in the need for servicing, repair or connection of equipment, software or data, you assume all costs thereof.

Viruses, Hacking and Other Offences

You must not misuse the Web Site by knowingly introducing viruses, Trojans, worms, logic bombs or other material which is malicious or technologically harmful.  You must not attempt to gain unauthorised access to the Web Site or the server on which it is stored and you must not attack our Web Site by way of a denial of service attack or distributed denial of service attack.

We will not be liable for any loss or damage caused by a distributed denial of service attack arising following your use of the Web Site.


If you breach any of these Terms your right to use the Web Site terminates automatically.

Changes to the Website

At any time, the Web Site may contain material which is out of date.  While Pennaf has no obligation to do so, you accept that Pennaf has the right to change the content or technical specifications of any aspect of the Web Site at any time at Pennaf’s sole discretion.  You further accept that such changes may result in your being unable to access the Web Site.


No waiver by Pennaf of any breach of any obligation arising under these Terms shall constitute a waiver of any other breach and no failure to exercise or partial exercise by Pennaf of any remedy shall constitute a waiver of the right subsequently to exercise that or any other remedy.

Privacy Policy

Please see our privacy policy.


Pennaf shall have no liability for any breach of these Terms caused by circumstances beyond its reasonable control.

A person who is not a party to these Terms shall have no right under the Contract (Rights of Third Parties) Act 1999 to enforce any term of these Terms.

Governing Law and Jurisdiction

The Terms are governed by the laws of England and Wales and the parties submit to the exclusive jurisdiction of the English and Welsh courts.


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