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Terms and conditions

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  1. Welcome to our website. If you continue to browse and use this website you are agreeing to comply with and be bound by the following terms and conditions of use, which together with our privacy policy govern our relationship with you in relation to this website.
  2. This website is intended to be accessed only by persons located in the United Kingdom and makes no representation that any information, materials or functions included in this website are appropriate for use in any other jurisdiction.
  3. Our products and services are only available to those residents within the United Kingdom (excluding Channel Islands and Isle of Man).
  4. This website is offered as a free service to you. The content of the pages of this website is for your general information and use only and is subject to change without notice.
  5. The information that is made available on this website is intended for general information purposes only and is provided on an 'as is' basis without any warranties of any kind. Neither we, nor any of our associated Companies, accept any liability for any loss arising as a result of reliance on the information contained on this website.
  6. Your use of this website constitutes your agreement to all the terms of use contained in this document.
  7. We may as a result of your interaction with the Website hold and process personal information obtained about you when you access the Website and use it for making lending decisions and servicing our relationship with you, for the purposes of fraud prevention and debt collection, to understand your financial needs, to conduct our business and to provide you with better customer services and products from us and those of selected third parties, to evaluate the effectiveness of our marketing of the Website and for statistical analysis. For these purposes, we may transfer the relevant data outside of the UK.
  8. By submitting an application or enquiry form through this site, you agree that we can contact you from time to time by post, fax, telephone or other electronic means, to tell you about other products and services, offered by ourselves or other carefully selected companies, that we believe would be of interest to you. We may also pass your information to third party financial services companies for the purpose of them telling you about their services or products.
  9. As a condition of credit the files of a credit reference agency may be checked against your application. We or associate companies may use credit scoring or other automated systems to assess your application, make decisions and verify your identity. These systems include searching your records with credit reference agencies, employers, fraud and money laundering prevention agencies and the electoral register as well as providing them with information. These agencies can add your details to their records for other organisations to do searches. Where there are joint clients, both records are processed by the agencies and a link between you can be created.
  10. All information submitted in this form is held safely and securely by us in accordance with the Data Protection Act 1998.
  11. This website is owned by Identity Finance Limited and is protected by copyright and database rights. You acknowledge that all trademarks (registered or unregistered) used in providing this service shall remain the property of Identity Finance Limited at all times.
  12. You shall not copy, adapt, exploit or otherwise use the information contained on this website in any way, save for the downloading and temporary storage of one or more of these pages for the purpose of viewing on a personal computer or terminal, provided that you do not delete any copyright and other proprietary notices contained therein.
  13. We may make improvements or changes to the products, services and prices detailed on this website at any time without notice.
  14. While we try and ensure that all information on this website is accurate and up to date, errors may occur and we accept no liability for such errors. If we discover an error we will amend the website as soon as reasonably possible.
  15. Identity Finance Limited shall not be liable for any direct or indirect, special, incidental or consequential damages, including the loss of profits, business revenue or goodwill arising from the use or access of or inability to use or access, interruption or availability of this website, its operation or transmission, computer viruses, loss of data or otherwise in respect of its use.
  16. From time to time this website may also include links to other websites. These links are provided for your convenience to provide further information. They do not signify that we endorse the website(s). We have no responsibility for the content of the linked website(s). You may not create a link to this website from another website or document without our prior written consent.
  17. We may edit this policy from time to time. If we make any substantial changes we will notify you by posting a prominent announcement on our pages.
  18. Unauthorised use of this website may give rise to a claim for damages and/or be a criminal offence.
  19. These terms shall be governed by and construed in accordance with English law and subject to the exclusive jurisdiction of the English Courts.