Introduction

By completing an application on this website you are aware that you are using the Lead Affinity system, as part of Loan Machine Limited, to apply for a financial product.

References to “we” and “us” in these Terms of Use are to Loan Machine Limited.

Loan Machine Limited is a company registered in England and Wales with company number 5517368, whose registered office is at 170 High Street, Gorleston, Great Yarmouth, NR31 6RG.

Loan Machine Limited holds a licence under the Consumer Credit Act, number 0576459.

Your agreement to the Terms of Use

Your access to, and use of, this Website is subject to these Terms of Use and to our Privacy Policy.

By accessing and using this Website you agree that these Terms of Use and our Privacy Policy apply to you and to your access to, and use of, this Website and that you will be bound by, and comply with, these Terms of Use and our Privacy Policy.

If you do not agree to these Terms of Use and our Privacy Policy you must stop using this Website immediately.

Permitted use of this Website

You may access and use this Website only to use our service as described below and any other use (including any use that is not for you personally or use for commercial purposes) is not allowed. So, for example, you may not access and use this Website on behalf of someone else and/or in connection with a business.

Changes to Terms of Use

We may change these Terms of Use at any time and will always post the current version on this Website. If you continue to use this Website after a change to the Terms of Use you will be deemed to have agreed to the Terms of Use as changed. You are, therefore, advised to check this part of the Website regularly.

Our Service

We have provided this Website so that you can compare loans from a number of providers that we have selected. Our panel of providers has been chosen to provide a variety of products. There are, however, other products on the market that are not on this Website and one or more of them may be more appropriate or suitable for you than the products included on this Website.

The information you provide should be truthful and for yourself only and any inaccuracies in the information you have provided are solely your responsibility. You should be 18 years of age or older and a UK resident.

We, as a company, will not be lending your finance directly. We will search our extensive panel of lenders and finance providers/brokers for you to offer you, what we deem, is your best chance to be approved a loan. It is important to know that as part of your application, some lenders you may be matched with may run a credit check on you based on the personal information you have provided. By making this application you agree that lenders/providers can contact you regarding this application for finance – either online, via e-mail, telephone call, post or SMS. It is important that you check any Privacy Policy or Terms and Conditions of use on any lender/provider you are referred to.

Not all lenders will, or can, offer a loan on the same day of the application. In some cases, when approved, you may be offered the opportunity to have funds transferred the next working day.

Our service includes introducing you to other parties who provide loans. You will only be able to use this part of the service if you provide us with information about you and your circumstances. The way that we will deal with that information is set out in our Privacy Policy. We will deal with you information in the way that we set out in the version of the Privacy Policy that is in place when you provide information to us.

No advice

Nothing on this Website is, or is intended to be, financial advice, or a recommendation or endorsement by us of any product referred to on this Website.

You should always check the suitability, adequacy and appropriateness for you and your circumstances of any product that you select. It is for you alone to choose whether or not to proceed with an application for any loan or other product referred to on this Website.

We may add to, change or remove anything on this Website at any time and without giving notice to you.

How we get paid for providing this Website

We will not charge you for using this Website or the service we provide through it and we do not add any fees or commissions to the products that are listed on this Website.

If we introduce you to someone whose product appears on this Website they will usually pay us a fee and/or commission in return for us introducing you to them and/or if they arrange a loan for you.

Limitations to our liability

We will use our reasonable endeavours to ensure that information on this Website is accurate and up to date, and to correct any errors as soon as we are able to after becoming aware of them. We are not, however, responsible or liable for any loss or damage you may suffer or incur in connection with any information, content, material or data provided by third party loan providers which are displayed on this website, even if that loss or damage is due to our negligence (although nothing in these terms of use limits our liability for death or personal injury due to negligence, nor for fraud). It is your responsibility to check with the product provider that such information, content and data is accurate and up to date.

We do not give any warranty or guarantee that (i) this Website; or (ii) any other website (including any website that this website links to); or (iii) any download available on this Website or any other website is free from viruses. If you wish to have a measure of protection from viruses you should use appropriate virus checking software but no software can offer complete protection. We are not responsible or liable for any loss or damage you may suffer or incur in this regard where caused by a third party.

Other websites

We are not responsible for the content or operation of websites that are not run by us and your use of any website other than this Website (including websites that you may reach from this Website) will be governed by the terms and conditions of use and privacy policy applicable to that website. These are likely to be different to those that apply to this Website.

It is your responsibility to ensure that you understand and agree with the terms and conditions of use and privacy policy of any other website when you use that website.

You may link to this website from other websites. By creating a link you agree to make good the cost of any damage or loss (including loss of reputation) that we suffer as a result.

Jurisdiction and applicable law

The English courts will have exclusive jurisdiction over any claim arising from, or related to, a visit to this Website.

These Terms of Use and any dispute or claim arising out of or in connection with them or their subject matter or formation (including non-contractual disputes or claims) will be governed by and construed in accordance with the law of England and Wales.