Terms & Conditions of use for this website
PLEASE READ THIS DOCUMENT CAREFULLY BEFORE USING THIS WEBSITE
This website is owned and operated by Loans4 Ltd
By using this website and the services available through it you will
enter into a contract with Loans4 Limited and agree to abide by the
company’s terms of use also. Your use of the site acknowledges
to us that you agree to all the terms and conditions below before you
use the site.
These terms and conditions also apply to anybody who uses your computer,
and it is in your best interest that they comply.
The web site is for use by UK residents aged 18 years and over.
The content of this web site is for information purposes only, and all
figures quoted do not constitute an offer.
Loans4 Limited may revise and update the terms and conditions below
without prior notice.
We recommend that the next time you visit the site you view this page
to check current terms and conditions.
This site is the property of Loans4 Limited and you must abide by
the terms and conditions shown for you to have permission to use the
site.
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USE OF THIS SERVICE Availability
Access to the website on occasion may be restricted due to allow for
necessary repairs, maintenance, or updates. We will endeavour to do
such work at a reasonable time to cause minimal disruption to the service.
Disclaimer
This website is available to all users “as is” without any
representations or warranties of any kind, either expressed or implied.
Loans4 Limited makes no representations, warranties or undertakings
that this website or server that make it available, will be compatible
with your equipment or free from defects, including, but not limited
to viruses or other harmful effects. Loans4 Limited accepts no liability
for any infection by virus, bug, tampering, unauthorised access, intervention,
alteration of use, fraud or theft, technical failure, error, omission,
interruption, deletion, delay, or any event or occurrence beyond the
control of Loans4 Limited, which corrupts or affects the administration,
security, fairness and integrity or proper conduct of any aspect of this
website or your equipment.
This website and Loans4 Ltd do not give advice. Do take advice
before taking any action upon the information which is on the website.
The information is provided only to assist you in taking advice upon
your own, different, and individual position and NOT as any form of suggestion,
recommendation, or formal advice.
Limitation of liability
Loans4 Limited accepts no responsibility or legal liability (Except
where this would be illegal or otherwise not allowed by law) for information
contained within, or transmitted by, and disclaims all liability for
any losses arising from the use of, the website or reliance on the
contents thereof.
Whilst we make every effort to ensure the accuracy and integrity of the
content of the site, we cannot guarantee this.
You should always check any information on the web site before making
any decisions based on the information.
Indemnity
You agree to indemnify and not to hold Loans4 Limited, its subsidiaries,
affiliates, officers, agents or employees, responsible for any loss,
liability, claim, or demand by any third party, arising from your use
of the site, and/or any other person who may have suffered the same by
using the website.
Data protection and Privacy Policy
You must act in accordance of the above policies when using this website.
Details are shown separately on the website. See ‘Data Protection
and Privacy Policy’
Security of the site and the content
These are covered by our copyright terms, and terms of use of this web
site.
Accuracy of information / Content
The ‘Do I Qualify’ or any other quote shown on this web site
do not constitute an offer to you.
All quotes are subject to ability to repay and a credit search.
We are not responsible or do not have any control over external websites.
(See below, Links to other web sites)
Links to other web sites
This website contains links to other websites. Other websites apart from
those shown as being part of Loans4 Limited are not maintained by or
controlled by us. We are not responsible for the content and availability
of any other sites, which are not owned by Loans4 Limited, and exclude
all liability from use of.
No endorsement or approval of any third party on their advice, opinions,
products and services is expressed or implied by Loans4 Limited.
Loans4 Limited in not a part of or directly related to any of the companies
who’s information is in the click through / external link.
These links are provided solely as a resource and do not represent any
endorsement or guarantee. We cannot be held responsible or liable for
any loss or damage due to the use of or information obtained through
this website.
Governing Law
This contract is governed by English law.
Copyright & Trade Marks
The copyright and other intellectual property rights in this website
and the contents thereof, belong to, or are validly licensed to Loans4 Ltd.
The content of within this is for personal use only.
None of the content may be redistributed or published for any commercial
purpose without the prior consent of Loans4 Ltd. This is strictly
prohibited and would be in violation of the proprietary rights of Loans4 Limited.
Hypertext links to the website by users or other websites in strictly
prohibited without the express written consent of Loans4 Limited.
The terms ‘Loans4’, ‘Loans4 Limited’, and ‘Which
loan Do You Qualify for ?’ are used as trademarks, as is all images
and logos.
Other companies may not without the prior written consent of Loans4 Ltd, use these trade marks to imply they are part of, or connected
to Loans4 Ltd.
‘
Which loan Do You Qualify for ?’ ‘Click here to find out …’, ‘Before
you apply !’ feature, and similar worded features such as ‘Do
You Qualify’ and ‘Do I Qualify ?’ on this website are
the copyright of Loans4 Ltd, and can not be used without the
prior written consent of Loans4 Ltd.
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Customer Declaration
Before you apply you must agree to the declaration set out below.
In considering your application we will search your records with one
or more licensed credit reference agencies. They will add to
your record details of our search and your application. This
will be seen by other organisations carrying out searches at a later date. It is important that you give us accurate information.
We and other organisations may use and search these records to:
1. Help make decisions about credit and credit related Services
2. Trace debtors, recover debt, prevent fraud, and to manage your accounts.
3. Check your identity to prevent money laundering, unless you provide us with other satisfactory proof of identity.
The credit reference agency(s) and the fraud prevention agency(s) will also use the records for statistical analysis.
For homeowner secured loan applications, it shall also be necessary
for us to carry out a land registry search to obtain details of your
property and confirm that you are the legal registered owner(s).
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Privacy policy
UNDER THE DATA PROTECTION ACT 1998 YOU HAVE A RIGHT TO KNOW HOW WE WILL
USE YOUR PERSONAL INFORMATION. IT IS IMPORTANT THAT YOU READ THIS DOCUMENT
BEFORE YOU USE THIS SITE.
Loans4 Limited is committed to protecting your privacy. You can use
the website without having to provide any individually identifiable person
data details.
This statement sets out our Privacy Policy and explains what personal
information we collect from users of our website and what we do with
that information. If you have any queries about this policy or our
information practices, please contact us using the details given at
the end of the policy. Please note that this policy only applies to
this website and not to any other websites including any that are linked
to it.
We reserve the right to amend this Privacy Policy from time to time and,
if we do so, your continued use of the website will be taken as acceptance
of any such change. Therefore, we advise you to check this policy each
time you visit the site.
You have the right to request a copy of the information we hold on you
by applying in writing to us at our address shown on the ‘contact
us’ page. A fee may be payable.
Consent
By using this website you signify that you have consented to our collecting
and using the personal information that you provide to us in accordance
with this Privacy Policy. You will also be deemed to have read and accepted
this Privacy Policy.
Data Collection and Use
This Policy applies to all information we receive from you, whether you
are registering on our website or ordering any products or services via
this website. During the course of your use of this website, Loans4 Limited
will collect two types of information:
(i) Aggregated Information - This website automatically gathers certain
statistical information such as the number and frequency of visitors.
This information is only used in the aggregate and individuals cannot
be identified from it. This aggregated information helps us to measure
how individuals use the website and our services so that we can continually
improve them. We may share this aggregated data with other companies
within the Group.
(ii) Personal Information – Loans4 Limited requires personal
information from you, such as name and e-mail address, in order for us
to perform the services offered by the site and to fulfil your requests.
Some of this information is voluntary and others are compulsory fields.
On occasion, thebestclub.com may also collect additional personal information
from you on a voluntary basis. This personal information may be used
in a number of ways:
Processing your application
The information you give us on you application form allows us to process
your application to find the best lender and loan offer available to
your from our panel of lenders.
Your information will be passed to an independent loan broker who will
help process your loan quickly. You will be advised of this companies
details shortly after you apply for the loan.
This information will also be shared with lenders we recognise will be
able to help you.
All the lenders we share your information with will handle it in the
same way as ourselves, being with regard to the Data Protection Act.
Providing the information to and searching the files of one or more licensed
credit reference agencies (such agencies will keep a record of such searches
to confirm the information and for the purposes of credit assessment
or account administration)
We will disclose the information to credit reference agencies when requested
by them for consideration of any future applications for finance made
by you or for fraud prevention and/or tracing debtors - the agencies
may also disclose your information to other lenders for these purposes.
We will Provide the information to and searching the files of one or
more licensed credit reference agencies (such agencies will keep a record
of such search to confirm the information and for the purposes of credit
assessment or account administration)
To disclose the information to credit reference agencies when requested
by them for consideration of any future applications for finance made
by you or for fraud prevention and/or the tracing debtors. The agencies
may also disclose your information to other lenders for these purposes.
Marketing and Customer Care
We may from time to time send promotional e-mails or text alerts to you
with information about our products and services or that of other reputable
companies that we feel may be of interest to you.
Companies other than ourselves will not contact you directly for marketing
purposes, and they will not have access to your contact details unless
you provide your contact details to them and authorise them to contact
you directly.
When you make your application, we ask you, by which means you wish for
us to contact you in the future regarding other products, services, and
companies that may be of interest to you.
We may contact you via E-mail, Phone, Text messaging and also by Post
in relation to this information.
If you decide in the future you do not wish to receive such information
from Loans4 Ltd, please send an e-mail to customercare@loans4.co.uk,
putting the words OPT OUT in the subject line and we will no longer send
you any further information.
We may access and disclose personal information about you if you breach
any applicable laws, in order that the company operates its systems properly
or to protect itself and/or its users.
We reserve the right to sell the database related to this website (including
personal data relating to you) to a third party if we sell, assign or
transfer the assets of our business.
We take all reasonable precautions to ensure that outside parties or
affiliated companies are aware of our Privacy Policy and that they will
treat the personally identifiable information in a similar manner.
We will only disclose the information you provide to other reputable
companies.
Cookies
Loans4 Limited uses cookies for collecting user information from this
website.
For your information, a cookie is a small piece of information stored
by your browser on your computer’s hard drive. Cookies are used
to make the link between you and the information you have provided to
the website, to identify users and personalise their visit by customising
web pages for each user. Most web browsers automatically accept cookies
although you do not have to.
Please note if you disable cookies from your browser, you may not be
able to access certain features of this particular website, so we recommend
you have ‘per-session cookies’ enabled on your browser.
Only Loans4 Limited server would be able to view this cookie, and
would be unable to see any other information stored on your hard drive,
so your privacy will not be at risk.
Information Security at Loans4 Limited recognises the importance of
the security of your personal details and takes measures to protect the
privacy of information provided to us. We have strict security and confidentiality
procedures covering the storage and disclosure of information to maintain
its confidentiality, to prevent unauthorised access and to comply with
the Data Protection Act 1998.
Please remember to close the browser window when you have finished using
the site. This is currently the most secure way of ensuring no one other
than yourself can access your personal information and any other correspondence
when using a shared or public computer (for example those used in Internet
cafes or at your place of work).
Contact Details
If you have any questions about our Privacy Policy or our information
practices, please e-mail customercare@loans4.co.uk putting
the words PRIVACY POLICY in the subject line.
You can request that we send to you all the information held about
you. Should you wish to obtain this information, please write to
at our
address which is shown on the Contact Us page.
This website is owned and operated by Loans4 Ltd, Fairgate House ,Kings Road,
Birmingham,
B11 2AA.
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