Terms & Conditions

Use of our website

Access to our website is permitted on a temporary basis, and, as explained below, we reserve the right to withdraw or amend the service we provide on our website without notice. We will not be liable if for any reason our website is unavailable at any time or for any period.

You are responsible for making all arrangements necessary for you to have access to our website. You are also responsible for ensuring that all persons who access our website through your internet connection are aware of these terms and conditions, and that they comply with them.

Intellectual property rights

We are the owner or the licensee of all intellectual property rights in our website, and in the material published on it. Those works are protected by copyright laws and treaties around the world. All such rights are reserved.

You may print off one copy, and may download extracts, of any page(s) from our website for your personal reference and you may draw the attention of others to material posted on our website.

You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text.

Our status (and that of any identified contributors) as the authors of material on our website must always be acknowledged.

You must not use any part of the materials on our website for commercial purposes without obtaining a licence to do so from us or our licensors.

If you print off, copy or download any part of our website in breach of these terms and conditions, your right to use our website will cease immediately and you must, at our option, return or destroy any copies of the materials you have made.

Our Service

We act as a loan broker to our clients. On behalf of the client we locate lenders which offer loans.  We work alongside a number of loan providers. These are the companies and organisations that we use to help find loans for our clients.  We do not provide loans and do not represent the interests of or act on behalf of any individual lender.

Our clients are protected under the Consumer Credit Act 1974 (as amended) (“Credit Act”) and all of the lenders we work with to find loans for our clients are licensed by the OFT.

We do not provide loans therefore we do not set or exert any influence over the rates of interest charged for financial products. Interest rates are set by the lenders who will also make the decision as to the provision of loans to our clients.

Examples of rates, amounts borrowed and repayment periods given on our website are provided by way of offering a representative example of the product to help the client understand the products on offer.

We do not provide the representative examples as any form of warranty of what any lender will actually offer the client or as any guarantee that the client will be approved for finance by lenders.

The decision to provide clients with loans lies with the lenders alone and will depend on many things including a lender’s assessment of a client’s credit history.

Website Content

This website and the information, names, images, logos regarding or relating to us are provided "as is". Commentary and other materials posted on our website are not intended to amount to advice on which reliance should be placed. We therefore disclaim all liability and responsibility arising from any reliance placed on such materials by any visitor to our website, or by anyone who may be informed of any of its contents.

Website Changes

We aim to update our website regularly, and may change the content at any time. If the need arises, we may suspend access to our website, or close it indefinitely. Any of the material on our website may be out of date at any given time, and we are under no obligation to update such material.

Our liability

The material displayed on our website is provided without any guarantees, conditions or warranties as to its accuracy. To the extent permitted by law, we and third parties connected to us hereby expressly exclude:

• All conditions, warranties and other terms which might otherwise be implied by statute, common law or the law of equity.
• Any liability for any direct, indirect or consequential loss or damage incurred by any user in connection with our website or in connection with the use, inability to use, or results of the use of our website, any websites linked to it and any materials posted on it, including, without limitation any liability for loss of income or revenue; loss of business; loss of profits or contracts; loss of anticipated savings; loss of data; loss of goodwill; wasted management or office time; and for any other loss or damage of any kind, however arising and whether caused by tort (including negligence), breach of contract or otherwise, even if foreseeable, provided that this condition shall not prevent claims for loss of or damage to your tangible property or any other claims for direct financial loss that are not excluded by any of the categories set out above.

This does not affect our liability for death or personal injury arising from our negligence, nor our liability for fraudulent misrepresentation or misrepresentation as to a fundamental matter, nor any other liability which cannot be excluded or limited under applicable law.

Communication

We will assume until told otherwise that the client agrees to us using telephone, SMS, email, fax and post to alert the client to products and services related to us and our associated companies.

Credit Checks

We do not carry out credit checks on clients when loan applications are made or when clients register with our service.  However, the lenders that we use to try to find loans on behalf of clients may use external credit reference agencies and credit scoring services to ascertain that the client is eligible for a loan and meets the criteria of the lender.  Credit checks and credit reference agencies can also help prevent fraudulent applications so we ask clients to agree to using data provided for the purpose of preventing fraud and ensuring the clients identity is as claimed.

Information provided by the client must always be true and accurate as misleading information will be regarded as a breach of our terms and is likely to breach any agreement the client has entered into with the lenders we work alongside. Furthermore, misleading information may also result in the instigation of criminal procedures against the client.

Information about you and your visits to our website

We process information about you in accordance with our privacy policy. By using our website, you consent to such processing and you warrant that all data provided by you is accurate.

Language

The agreement is in English and all communications between you and us will be in English.

Financial information

Articles and information contained on our website pertaining to financial services available on the market and their use and the management of personal finances are presented as opinion only and are not presented as financial advice. Users of our website requiring financial advice are advised to seek information from a registered and qualified Independent Financial Adviser (IFA).

Changes to terms and conditions

We may change these terms and conditions at any time by posting changes online. You are expected to check this page from time to time to take notice of any changes we made, as they are binding on you. By continuing to use the site after changes are posted you are accepting our new terms and conditions. Some of the provisions contained in these terms and conditions may also be superseded by provisions or notices published elsewhere on our website.