Terms and Conditions

Introduction
These terms and conditions govern your use of our services and your relationship with our finance company. By using our services, you agree to be bound by these terms and conditions.

Services Offered
Our company provides various financial services, including loans, mortgages, and financial advice. These services are subject to our approval and may be changed or discontinued at any time without notice.

Eligibility
To be eligible for our services, you must meet our requirements, including minimum age, credit score, and income level. We reserve the right to deny services to anyone who does not meet our eligibility criteria.

Applications
All applications for our services must be submitted online or in-person. We may require additional documentation to verify your identity, income, and creditworthiness. We reserve the right to deny any application for any reason.

Interest Rates and Fees
Interest rates and fees for our services vary depending on the type of service and your creditworthiness. We will disclose all interest rates and fees in writing before you agree to use our services.

Repayment Terms
Repayment terms for our services vary depending on the type of service and your creditworthiness. We will disclose all repayment terms in writing before you agree to use our services. You are responsible for making all payments on time and in full.

Security
Our company takes the security of your personal and financial information seriously. We use various security measures to protect your information, including encryption, firewalls, and access controls.

Intellectual Property
All intellectual property related to our services, including our website, trademarks, and logos, are the property of our finance company. You may not use our intellectual property without our written permission.

Limitation of Liability
Our finance company is not liable for any damages, including indirect, incidental, or consequential damages, arising from the use of our services. We are also not liable for any damages arising from the interruption or termination of our services.

Governing Law
These terms and conditions are governed by the laws of England and Wales. Any disputes arising from these terms and conditions will be subject to the exclusive jurisdiction of the courts of England and Wales.

Changes to Terms and Conditions
We may change these terms and conditions at any time without notice. You should regularly review these terms and conditions to ensure that you are aware of any changes.

*Refer a Friend
To be eligible for our refer a friend scheme, the referral must be made before the application is received. We must receive the Full Name, current address and a contactable telephone or email address before the application is submitted, the person making the application must know who the referrer is. You can request our team to make initial contact. The voucher will be in the form of a High Street Voucher for the total value of £50, these vouchers can be spent in many High Street stores, we will not offer a cash alternative. We have the right to withdraw this offer at any stage

Customer Checks & Referencing

Upon application to us we may use both fraud prevention and credit referencing agencies to help us make relevant decisions.

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 client’s 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 and financiers we work alongside. Furthermore, misleading information may also result in the instigation of criminal procedures against the client.

If the client has authorised any third parties to access the service on behalf of the client instructions issued by authorised 3rd parties will be contractually binding on the client on whose behalf the third party is acting.

Should the client choose to make a joint application for a loan or finance via our website each party will be dealt with as a client acting with the consent of the other and if correspondence is entered into with one party of the joint application it shall be assumed that the communication is with both parties.

We will only process information about you (and any other party) in accordance with our privacy policy.

When using our website you consent to processing your information (and any other relevant party) and therefore warrant that all information/data provided by yourself is accurate and correct. 

 Contact Information
If you have any questions or concerns about these terms and conditions or our services, please contact us at [email protected]

By agreeing to these terms and conditions, you acknowledge that you have read and understood them and agree to be bound by them.

Updated 1st May 2024