Terms and conditions

The Site is controlled and operated by Smarter-Loan Ltd from the United Kingdom and complies with English law. Also, any information it provides only relates to the position in England , rather than that in Northern Ireland , Wales or Scotland.

For information on these jurisdictions, please seek advice. Only UK residents may register as users of the Site or apply for any of the services on offer. Further terms and conditions will apply.

Those who choose to access the Site from other locations do so on their own initiative and are responsible for compliance with any applicable local laws.

Legal Information

The Site is controlled and operated by Smarter-Loan Ltd from the United Kingdom and complies with English law. Also, any information it provides only relates to the position in England , rather than that in Northern Ireland , Wales or Scotland . For information on these jurisdictions, please seek advice.

Only UK residents may register as users of the Site or apply for any of the services on offer. Further terms and conditions will apply.

Those who choose to access the Site from other locations do so on their own initiative and are responsible for compliance with any applicable local laws.

1. No material from this Site may be copied, uploaded, posted, modified or distributed in any way, except that you may download one copy of the materials on any single computer for your personal home use only, provided you keep intact all copyright and other proprietary notices. The use of any such material on any other website or computer environment is prohibited.

2. It is a condition of use of this Site that you accept and agree to the following terms and conditions of Smarter-Loan Ltd ("the Company"). No other terms shall apply unless stated below or elsewhere on this Site. These terms may be varied by the Company from time to time and the revised terms will be deemed to apply at the relevant time in respect of your registration. By proceeding to enter or use the Site, you agree to be bound by the following:

2.1 The Company reserves the right to alter or delete material from the Site at any time and may, at any time, revise these terms by updating this posting. You are bound by any such revision and should therefore periodically visit this page to review the then current terms.

2.2 While the Company uses reasonable efforts to include accurate and up to date information in the Site, the Company makes no warranties or representations as to its accuracy. The Company assumes no liability for any errors or omissions in the content of the Site.

2.3 Any third party software which may be downloaded from a site operated by a third party (whether referred to on or linked to this Site) is the responsibility of that party and not of the Company, who shall have no responsibility or liability arising in respect of any loss, damage, viruses or otherwise arising as a result of the downloading by you of such software.

2.4 You may not create a link to this Site from another website or document without the Company's prior written permission.

2.5 The Company does not guarantee that this Site or any material on this Site will be accessible by you at any time or at all times. Further, it does not guarantee that use of this Site will be compatible with all hardware and software which may be used by visitors to the Site.

2.6 The Company provides the Site for your general interest and information only. Nothing on the Site is intended to be nor should it be construed as an offer to enter into a contractual relationship. The Company makes no representation or warranties about the accuracy or suitability of any product or purpose of any content of the Site and all other implied warranties are excluded to the fullest extent permissible under English law. By using the Site you hereby agree not to rely on any of the information contained herein. Under no circumstances shall the Company be liable for any direct, incidental, special, consequential, indirect or punitive loss or damages that result from the use of the materials on the Site or the materials in any sites linked to the Site or any services offered on the Site whether by the Company or its commercial partners. The Company shall have no responsibility in respect of any goods or services bought by you from any other organisation referred to on this Site.

2.7 The formation, existence, construction, performance and validity in all aspects whatsoever of any of these terms and conditions or any dispute in relation to the materials contained on this Site shall be governed by English law. The English Courts shall have exclusive jurisdiction to settle any disputes which may arise out of or in connection with these terms and conditions, or use of the Site.

3. Customer Declaration I/We agree that you Smarter-Loan Ltd may search the files of a licensed credit reference agency or agencies, who will keep a record of the search, to confirm my/our particulars and for the purpose of credit assessment. I/We agree that you may provide details of this application to a lending company who will also search the files of a licensed credit reference agency or agencies for the same purpose. A record will be kept of such searches and may be used by other lenders in assessing future applications for finance by me/us and members of my/our household and for occasional debt tracing and fraud prevention.

4. Further terms and conditions apply in respect of all services offered or described on this Site. These are available to view at the appropriate location on this Site or may be made available at a later time.


PRIVACY STATEMENT

When you provide us with your e-mail address, we may e-mail a password to you for your use in order to complete an application form, or in order to monitor the progress of any application you may make to us. It is important in relation to the security of the personal data you provide that you keep this password confidential and do not disclose it to anyone else, otherwise they may be able to obtain access to the personal information you have supplied to us.


RIGHT OF SUBJECT ACCESS

Information held by us will be processed only for purposes for which we have registered under the Data Protection Act. Upon you making a request in writing we will provide you with a copy of the information which we hold concerning you on payment of a fee.

Details: Smarter-Loan Ltd, Cirrus Building, Marchburn Drive, Abbotsinch, Paisley, PA3 2SJ has a credit licence from the Office of Fair Trading Consumer Credit Licence number 454726.  Smarter-Loan Ltd is an appointed representative of Contact4u Limited which is authorised and regulated by the Financial Services Authority.  Contact4u Limited FSA number is 315033.

You/we may disclose to a third party such details to authorise the third parties referred to in the paragraph below to process such details for the purposes of assessing your application and administering and enforcing any subsequent loan which may be granted to you.

You agree that We and any lender resulting from this enquiry (the "Lender") shall be entitled to use and process, by any medium, the information given by you in this enquiry form and any other information about me/us which may be acquired during the lifetime of any loan ("the Data") for the following purposes:-

(i) Assessing your application. We will make enquiries about you including searching any records held by Credit Reference Agencies and checking your details with Fraud Prevention Agencies. If you give us false or inaccurate information and we suspect fraud we will record this. The Credit Reference and Fraud Preventions Agencies will keep details of any searches.

Information held about you by the Credit Reference Agencies may already be linked to records relating to one or more of your financial partners. For the purpose of this application you may be treated as financially linked and your application will be assessed with reference to any associated records. If you are a joint applicant or if you have told us of some other financial association with another person, you must be sure that you are entitled to (a) disclose information about your joint applicant and anyone referred to by you; and (b) authorise us to search, link or record information at Credit Reference Agencies about you and anyone referred to by you. An association between joint applicants and between you and anyone you tell us is your financial partner will be created at Credit Reference Agencies. This will link your financial records, each of which will be taken into account in all future applications by either or both of you. This will continue until one of you successfully files a disassociation at Credit Reference Agencies. You consent to us disclosing details of your application and how you conduct your account (including any default) to the Credit Reference and Fraud Prevention Agencies. This information may be used to help us and other organisations (a) to assess the financial risks of dealing with you and other members of your household; (b) to help make decisions on motor, household, credit, life and other insurance proposals and insurance claims;(c) to administer agreements and insurance policies with you; (d) to help prevent or detect fraud, prevent money laundering or other crimes, recover debts and trace debtors; and (e) for statistical analysis about credit, insurance and fraud. We may use a credit scoring or other automated process in deciding whether to accept your application and during the life of your Account, for example to review your secured debt and any unsecured debt or the interest rate and other charges for your Account (all of which may be varied by us). This may involve searching your records again at Credit Reference Agencies (who will keep details of our search) as well as using other information we hold about you. If you have requested payment protection insurance and/or home insurance we may pass information about you to any organisation approved by us to enable them to arrange and administer the requested plan and for the purposes of underwriting, claims handling and fraud prevention (which could include passing details to other insurers). We may pass your details to insurance companies carefully selected by us so that they can contact you about life, creditor, household and other insurance products that may be of interest to you.

Please telephone contact us if you want details of those Credit Reference, Fraud Prevention Agencies and Insurers from whom we obtain and to whom we pass information about you. You have a legal right to these details. You have a right to receive a copy of the information we hold about you if you apply to us in writing. A fee will be payable.

(ii) Disclosing the Data to credit reference or fraud prevention agencies when requested by them for consideration of any future applications/proposals for finance and finance related services, motor, household, credit, life and other insurance and any insurance claims, made by me/us or members of my/our household or for fraud prevention and/or tracing debtors (the agencies may also disclose the Data to other organisations for these purposes);

(iii) Disclosing the Data to any other company within the Lender's group of companies and/or to any third parties (for example, debt counsellors and insurers) at any time for the purposes of assessing my/our application and administering and enforcing any subsequent loan whether during the course of my/our application or during the lifetime of any loan granted pursuant to such application;

(iv) You consent to us using and disclosing to selected third parties your contact details so that we and any carefully selected third parties may provide you with information about goods and services offered by Us or the third party that may be of interest to you. The methods of contact which you consent to include post, telephone, SMS text messaging and any other interactive media.

If you do not wish to be contacted by us in the ways outlined in this paragraph for the purposes of direct marketing, you may telephone us free of charge on 0800 40 450 40 or tick the box .