by user | Dec 18, 2018 | Uncategorized
FREE TRIAL Test Product All the tools you need to take control of your finances. Track your spending and balances Reach your financial goals 24/7 access, on any device Save money & increase your income Service provided by Redline Marketing Ltd, not by Loan Choice...by user | Dec 18, 2018 | Uncategorized
FREE TRIAL My Money Guard All the tools you need to take control of your finances. Track your spending and balances Reach your financial goals 24/7 access, on any device Save money & increase your income Service provided by Redline Marketing Ltd, not by Loan...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.
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’
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
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.
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)
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.
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.
If you would like further information, please refer to our Privacy Policy.
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.
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.
1. GENERAL INFORMATION
1.1 We advise you to read these terms of service carefully. By using the site, you are agreeing to observe these terms and conditions, which are also applicable if you access our services via an authorised third party.
1.2 Our contract with you is governed by the terms set out on this page.
2. CHANGES
2.1 Any changes to these terms of service will be communicated on this page. You may also be notified via email or through a notice on our homepage.
3. REGISTRATION AND SIGN IN
3.1 To use the services provided on the website, you need to register on the website and sign in using the unique login details provided as part of the registration process, meaning your username and password. For your own security, please keep your login details confidential and do not share them with anyone.
3.2 If you believe that anyone may have obtained your sign in details without your permission or if you become aware of any other breach of security on the website, please get in touch with us as quickly as possible. We will not be responsible for any unauthorised use of your sign in details or any unauthorised activity on the website that results of your sign in details becoming known by someone else, unless this is directly due to our actions or our failure to act.
4. THE SERVICES WE OFFER
4.1 Our services are as described on our website and/or where you access our services through an authorised third party website.
4.2 These terms of service apply to any services requested by you or provided to you from the website. These include trial services, free services and paid services.
4.3 Different terms of service will apply to services provided to you by third parties.
4.4 When you request service from us, a binding legal contract is formed between you and us on the earlier to occur of:
4.4.1 When we receive payment from you.
4.4.2 When we make services available to you
4.5 If you make a mistake when requesting our services, please contact us as soon as possible, so we can try to correct it for you.
5. PRICES AND PAYMENT
5.1 The website is checked regularly to make sure that the prices mentioned are correct at all times. These prices may occasionally be changed. If you register to a subscription service, we will make sure to inform you in advance by e-mail or through a notice on the website about any price changes that may affect your future payments. We advise you to regularly check the website for this type of information.
5.2 The prices indicated on the website are inclusive of all taxes which may be payable for the services provided. All payments will be taken in pounds Sterling.
5.3 Some payments for services must be made in advance by credit or debit card using the payment facilities on the website.
5.4 Subscription service payments must be made by credit or debit card using the payment facilities on the Website. By giving us your payment details, you agree that we have continuing authority to take subscription payments from your payment card account until you or we end the Services. We may stop providing the Services without notice to you if at any time we are unable to obtain payment using the details you provided.
5.5 We may debit up to 20p from your card for identity verification purposes.
5.6 If your monthly subscription charge is unsuccessful, we will immediately attempt up to 20p from your account in order to validate your card details and cover the costs of search and administration. Should both of these attempts fail we will continue to attempt to collect the monthly subscription fee at regular intervals until successful. Should the validation payment be successful, we will continue to attempt to collect the remainder of the subscription fee at regular intervals until achieved.
5.7 The credit or debit cards we accept for payment are displayed on the websites.
5.8 Please bear in mind that It is your responsibility to make sure that the payment details you provide to us are correct, complete and up to date. We are not responsible for supplying services if the details you submit are incorrect or incomplete.
5.9 No payment will be deemed to have been made, until we have collected funds from your account. We may choose not to provide services at our discretion until we receive payment in full.
5.10 We are not responsible for any overdraft or “over the limit” charges or bank fees you may be charged if your payment card or bank account contains insufficient funds when we attempt to take payment for our services.
5.11 We may receive commission and fees from certain third parties who advertise on or are linked to the website or as a result of you having purchased certain products and/or services. All such commission and fees will be retained by us in full.
5.12 If you purchase a product or service from a third party website, the charges and payment terms will be subject to that third party’s relevant terms of service.
6. TRIALS
6.1 Trials are made available at our discretion and may not be available for all the services we provide.
6.2 You can cancel the trial at any time during the trial period. For free trials, you will not be entitled to any refund or credit from us.
6.3 If you do not cancel until the end of your trial period and if you have registered to a subscription service, then your access to the services will automatically continue on a subscription basis and you will be charged on a monthly recurring basis for that service, until the service is ended by us or you.
7. WARRANTIES AND DISCLAIMERS
7.1 We will do our best to handle the website and services with reasonable care and skill and to ensure that the services are fundamentally as described on the website and in these terms of service.
7.2 While we try to make sure that the website is always fully functional, this may not always be possible and we cannot guarantee that the website and/or services will be available at all times or at any specific time. They may be temporarily suspended if the IT systems used to feed the website or services are undergoing repair or maintenance or are otherwise unavailable.
7.3 We take reasonable measures to ensure that the website and our material are free from computer viruses and other harmful software. However, we cannot guarantee this due to the nature of Internet based services. We advise you to use appropriate and updated firewall and antivirus software to protect your devices and personal data.
7.4 The information made available to you in connection with the website or services is sourced and supplied by us with reasonable skill and care. However, when it comes to the information obtained via third party sources, we cannot guarantee that that information is correct, accurate, complete, completely error free or up to date.
7.5 The information we provide on or in connection with the website and services isn’t and shall not be deemed to constitute financial, legal or other advice. The information we supply is not intended to be relied on by you in making a specific decision or in replacement of independent and professional advice. All information provided by us on or in connection with the website is intended for general information purposes only.
7.6 Except for the commitments expressly made by us in these terms of service and any additional commitments arising out of the consumer rights granted by law, we do not agree to any other commitments or warranties about the website or services.
8. PRIVACY
8.1 We take the privacy of your data very seriously and we comply with the relevant UK data protection legislation. Any information provided to us by you or collected by us during your use of the services will be used only in compliance with our Privacy Policy.
8.2 Telephone calls you may make to our customer services may be recorded for training, quality and audit purposes.
9. USE OF OUR WEBSITE AND MATERIAL
9.1 You are allowed to access and make personal non-commercial use of the website, our material and any third party content we make available on the website for lawful purposes only and in a manner that complies with our intellectual property rights and those of third parties. Any access or use other than that which is personal and non commercial must expressly be agreed by us in writing and in advance. We do not give our permission for the website to be used in any other manner than to browse its contents and use the services we make available.
9.2 You must take reasonable measures not to do anything that could harm the website or the IT systems that host and feed the website. You agree not do anything that restricts or inhibits the use and enjoyment of the website by others.
9.3 You are responsible for making sure that the data submitted by you on the website is true, accurate and free from viruses and other harmful code.
9.4 The website contains content supplied to us by third parties. All information delivered to you in the course of the services and all intellectual property rights related to third party content belong to the relevant third party or their authorised licensors.
9.5 None of our material or the third party content contained in the website may be reproduced or redistributed without our prior written consent, except that you may download or print a single copy for your own personal and non commercial use.
10. HOW WE ARE LIABLE TO YOU
10.1 For more information about your legal rights and how they may be affected by these terms of service, this section included, we advise you to contact your local Citizens Advice Bureau. However, if you face any issues with the website and/or our services, we encourage you to contact us directly as soon as possible and we will do our best to help you with your difficulties.
10.2 Nothing in these terms of service excludes or limits our liability in respect of death or personal injury caused by our negligence, fraud or any other matter in regard to which it would be illegal for us to exclude or limit or to attempt to exclude or limit our liability or our duties or liability under the FMSA.
10.3 We are not responsible to you for any losses you suffer due to any events beyond our reasonable control.
10.4 We are not responsible to you for any losses you suffer, which are not directly caused by our actions or our failure to act.
10.5 We are not responsible to you for any damage caused to any hardware or software you use to access, use or download the services, unless that damage is a result of our negligence.
10.6 We are not responsible for any losses you suffer under any contract you have with a third party through which you access the website or services.
10.7 Except as otherwise stated in these terms of service, our aggregate liability to you coming out of or in connection with each of our services shall not exceed the lesser of :
(1) £75 or
(2) if you pay a subscription fee for the relevant services, the current fee applicable for that service at that given time x 6.
10.8 Our liability to you shall not include the following business losses: lost business data, lost profits, lost earnings, business interruption or reduction in the value of an asset.
11. SERVICES TERMINATION
11.1 If you decide to cancel your subscription to the services provided, you may be eligible to receive a refund. However, if you haven’t paid a fee for use of Our services, meaning if you have been offered a trial, you will not be eligible for a refund.
11.2 If you choose to contact us to request the termination of the services provided by email within 14 days of signing up on the site, as per your statutory right, you must send an email to the customer service email address on or website. It is important to include all of the following information, which we will need to identify your subscription and proceed with the cancellation:
11.2.1 that you wish to cancel the service provided us;
11.2.2 your full name; and
11.2.3 the email address you are currently receiving emails to.
11.3 Once we have received this information we will cancel your subscription.
11.4 Should you wish to discuss any aspect of your subscription before terminating or if you would like to discuss cancellation over the telephone, please call us on customer services number provided on our website.
11.5 If you wish to terminate the services, but you are no longer within the statutory timeframe, you should contact our customer services team to discuss cancellation. Once we have received your call, we will proceed with the cancellation of your services, which will be effective from the end of the month we speak to you.
11.6 We may cancel your subscription by giving you advanced notice, provided that such termination will not take effect until the end of the current subscription month.
11.7 If your monthly subscription has been cancelled previously, either by you or by us, and you re-subscribe to another or a similar service, you will pay the fee applicable to the service in question at the time of re-registration.
11.8 If your subscription has ended, you may be contacted by us to invite you to re-register for the same or a similar service. Any invitation of this sort gives you the opportunity to unsubscribe from being contacted by us again.
12. CHANGES TO THESE TERMS OF SERVICE
12.1 We may have to modify these terms of service due to changes to the website or services, changes in the law or in our arrangements with third parties.
13. COMPLAINTS
13.1 If you wish to complain about any of our services, you can do so by using the contact details that can be found on our website.
14. OTHER RELEVANT INFORMATION
14.1 These terms of service constitute a contract between you and us and form the entire agreement between us. No one except you and us has any right to enforce these terms of service by virtue of the Contracts (Right of Third Parties) Act 1999.
14.2 You may not transfer any or all of the rights granted to you under these terms of service to any other person.
14.3 We may discontinue or modify the website and services at any time, in our discretion. We will try to make sure that any such discontinuation or modification does not materially and adversely affect the nature of the services we provide to you.
14.4 All communication between you and us will be conducted in English.
14.5 Any written notices we may need to send to you will be sent to the most recent email address or postal address you have provided to us.
14.6 English law applies to these terms of service. If any disputes arise between you and us in regard to these terms of service and you wish to take court proceedings, you must do so in the English Courts, unless you reside in Scotland, Wales or Northern Ireland, in which case you may do so in the courts of the country in which you reside.
CUSTOMER SERVICES CONTACT INFORMATION IS AVAILABLE ON OUR WEBSITE
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