Terms & Conditions
By using our website you are fully agreeing to these terms and conditions.
These Terms and Conditions are important, please read them carefully before agreeing to them. They exist to protect both you and us. We have tried to make these Terms and Conditions as simple and easy to understand as possible but if you do not understand anything in these Terms and Conditions then please feel free to get in touch via our contact us page.
If you do not agree with any of the terms and conditions, then please do not continue to use our website. By using our website, you are fully agreeing to these Terms and Conditions. We may change these Terms and Conditions from time to time. We will give you notice of any changes by posting those changes on our website. We will not vary the Term and Conditions which you have previously agreed to whilst using this website. However, please note that any amended Terms and Conditions will apply to your use of this website from the date they are posted and if you do not agree with the amended Terms and Conditions, you are entitled to cease using the website at that time.
1. ABOUT US
My Loan Choice is a trading style of Techno Digital Limited, a company registered in England and Wales with the registration number of 11457945.
Techno Digital Limited registered address is 4th Floor, 18 St. Cross Street, London, EC1N 8UN.
Techno Digital Limited Ltd are hereafter referred to as ‘We’
2. LICENSING & REGULATION
We are authorised and regulated by the Financial Conduct Authority under registration number 734406
We are also licensed by the Information Commissioner Office under the Data Protection Act 1998, under number ZA440845
3. WHAT WE ARE
My Loan Choice is first and foremost, a free to use comparison site. We offer a free online service for comparing loans, and other similar products, which may change from time-to-time.
By providing us with information about yourself and your requirements, we will use our technology to match you with a product and, where we are able to, we will introduce you to a provider, or series of providers who we believe meet your requirements. We will also display all of your results in a comparison table for you to make your own decision.
Where you propose to enter into a separate agreement or policy with a product provider or service provider, you should refer to their terms and conditions, reading these carefully to ensure that you are comfortable with them.
Any product you may choose to select is your choice entirely.
4. WHAT WE ARE NOT
We are NOT a lender and therefore do NOT lend money.
Any ‘example repayments’ provided on our website are based on information given to us by the different providers or have been acquired by our research team based on industry research. Therefore, we do not guarantee that the examples used on our website are the actual rates which you will receive as the actual rate of any loan will be down to your chosen lender.
We do not promise or otherwise guarantee to find you the cheapest loan for your circumstances
We may receive a commission from a product provider that you select. By agreeing to these terms and conditions you agree that we can keep any commission we receive from the product provider. (For more information on our revenue please see our Transparency Promise)
5. ABOUT YOU
All the information you provide when using our service must be accurate and correct to the best of your knowledge.
You are not guaranteed access to credit by the use of our service.
This website is intended for use by UK residents and nothing within it or these Terms and Conditions constitutes an offer or promotion of services or products to persons living outside of the UK. Should you choose to continue and use our services outside of the UK, you do so at your own risk.
6. THE USE OF YOUR DETAILS
If you agree, we will contact you from time to time to offer you products and services that we think you might be interested in.
We will use Telephone, Email, SMS and postal mail to present these offers to you.
If you do not wish for us to use your data in this way, then you can use the ‘Opt Out’ option when signing up.
7. RIGHTS TO AMEND
We reserve the right to amend or withdraw our service at any time without prior notice.
We may update and change the content on the website at any time.
We may amend or update our terms and conditions at any time.
8. INTELLECTUAL PROPERTY RIGHTS
The copyright and material on this website is owned by Loan Mart Ltd and is protected by the copyright laws of the United Kingdom.
We set ourselves very high standards and do our utmost to maintain these high standards in everything that we do. In the rare situation where you may feel that we have got it wrong, then we want to hear from you. Please refer to our Complaints Policy which gives you all of the information you need to get in contact with us.