Terms and Conditions
Acceptance of terms
By using (www.easyloanscompany.co.uk), you are fully accepting the terms, conditions and disclaimers contained in this notice, your access to and use of (www.easyloanscompany.co.uk) is subject to agreement of these Terms and Conditions.
We reserve the right to change these terms and conditions at any time without prior notice, and your continued use of (www.easyloanscompany.co.uk) following any changes shall be deemed to be your agreement of any changes.
The service we provide
Easy Loans Company is a registered trading style of Nationwide Direct Financial Limited, which is an Introducer Appointed Representative of Quint Group Limited and is entered on the financial services register under the reference number 723650. Quint Group Limited is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register under reference number: 669450. Nationwide Direct Financial is registered in England and Wales (Company number: 05999918), Registered Office, Manchester House, 84 Princess, Street, Manchester, Greater Manchester, M1 6NG . Easy Loans Company is a registered trading name of Nationwide Direct Financial Limited which is an Introducer Appointed Representative of Quint Group Limited, who are a credit broker not a lender.
We do not directly offer finance, and therefore, we will not provide any directly to you. Upon the completion of the website’s loan application form, Monevo will introduce you to lenders or finance providers who may be able to offer you credit. By submitting an application you will be giving your consent for Monevo to match your application with one of the lenders on their panel. They will only forward your application to a lender that has looked at your application and accepted it as one where they believe there is a good chance that they can provide a loan.
Examples of cost
Any examples of amounts available to borrow, the terms (repayment periods) or rates stated on the website are purely given as an example relating to the product. These examples are stated to provide you with an understanding of the products available and the costs involved.
(www.easyloanscompany.co.uk) does not charge for our service. We cannot guarantee that other providers will not ask for a deposit, although we recommend that you never pay for an application to be processed. We are not a lender; we have no control over any of the decision making process in relation to your application. When you apply for a loan the lender will perform some checks on you to establish suitability for credit before any decision or offer is made; these checks may include carrying out a credit check on your current and previous history.
Third party websites
The Website may include links to carefully selected third party websites which are controlled and maintained by others. We do not endorse these websites and we are not responsible for the content or availability of any such websites.
Intellectual property rights
In using the Website you agree that you will access the content solely for your personal, non-business related use. None of the content may be downloaded, copied, reproduced, transmitted, stored, sold or distributed without the prior written consent of the site owner.
All intellectual property rights, copyright or trademarks used in the Website and its content including without limitation the design, text, graphics and all software and source codes connected with the website are owned by (www.easyloanscompany.co.uk).
We cannot guarantee that the lender who accepts your loan application will agree to fund your application for finance. We will not be liable for any loss that you may incur by using this site unless we have not acted in accordance with these terms and conditions, been negligent or adhered to standards required by UK law.
You agree to indemnify and hold (www.easyloanscompany.co.uk) and our employees and agents innocent from and against all liabilities, legal costs, losses and other expenses in relation to any claims or actions brought against us arising out of any breach by you of these terms and conditions or other liabilities arising out of your use of this website.
If any of these terms and conditions should be determined to be invalid, illegal or unenforceable for any reason by any court of competent jurisdiction then such term or condition shall be severed and the remaining terms and conditions shall remain in full force and effect and continue to be binding and enforceable.
These terms and conditions shall be governed by and construed in accordance with the law of England and Wales. You hereby submit to the exclusive jurisdiction of the English courts.
Complaints about this website
If you have a complaint in regards to the functionality, availability and ease of use of this website, please contact us at (firstname.lastname@example.org) or (Customer Services Team, Nationwide Direct Financial Ltd, Bridgewater House. 58-60 Whitworth Street, Manchester, M1 6LT). We will investigate your complaint. We will attempt to both resolve your complaint through investigation and to respond to you with the outcome. If your complaint is about anything other than the functionality of the website such as the lender matching process and service provided by Monevo, please refer to the Complaints page www.easyloanscompany.co.uk/complaints/
What follows below are important points which You need to know about Monevo Limited and the service We provide. We request that You read the following terms and conditions prior to using this iframe form to ensure that You are satisfied with the service We can offer You. Please note this Iframe is
provided to the Web Site owner as a service by Monevo and we do not control or operate the site that it is used in.
If, after reading Our terms and conditions, You do not agree with the content then We request that You do not use Our service.
“Terms” means these terms and conditions;
“Users” means the users of the Website collectively;
“User Information” means the details provided by You on any application via the Website;
“Iframe” means Our hosted form which is used by the owner of the Website that it is embedded within;
“We/Us/Our” means Monevo Limited;
“Website” means the business partner Website or any subsequent URL which may replace it which is used to access Our form;
“You/Your/Customer” means a user of the Website.
“Service” means the process in which Monevo Limited matches Your application with a Lender or Finance Provider.
“Monevo” means Monevo Limited.
“Lender/Provider” means the third party company who may provide You with a loan or a Loan Brokerage service and or another financial service.
Monevo Limited is an Appointed Representative of Quint Group Limited, and is entered on the Financial Services Register under reference number: 723672. Quint Group Limited is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register under reference number: 669450. Monevo Limited is registered in England and Wales (Company number 06511345), Registered Office; Oxford House, Oxford Road, Macclesfield, Cheshire, England, SK11 8HS. Licenced by the Information Commissioners Office, (registration number Z1498441). As We will be providing a service to You, We will therefore have no obligation to any other party, only You. Please also be aware that if a third party uses Our services on behalf of You, Our obligation will still be with You being Our Customer. Furthermore, the terms and conditions will also relate to You, Our Customer, and not with any other third parties.
This Iframe form is owned and operated by Monevo Limited and provided to the Website owner as a service.
We are not a Lender or Provider and therefore We will not provide finance directly to You; We are a technology platform and loan matching service, We will introduce You to Lenders or Providers of financial services. By submitting an application through Our Iframe form You will be giving Your consent for Monevo to match Your application with one of the Lenders or Providers on Our panel. We will present Your application in real time to one or more of Our Lenders or Providers based on their lending criteria until such time as one of Our Lenders or Providers accepts Your application or all Lenders and Providers decline Your application. If a Lender or Provider accepts Your application You will be forwarded to a page on the Lender or Provider’s Website that they have requested We direct You to or if the Lender or Provider does not work online We may present You with a screen that gives You information and contact details relating to the Lender or Provider that accepts You.
It is important to understand that We will only forward You to a Lender or Provider that has looked at Your application and accepted it as one they believe there is a good chance they can provide a loan or relevant services to You. It is also important to understand that We may be paid a fee by the Lender or Provider for introducing You to them and We may pay a portion of that fee to the Website owner that is using the iframe form as a service.
There is no obligation for You to take up the loan or service with them. You should read their conditions carefully and make a responsible decision on whether You believe their service is right for You. If You have any questions or are unsure You should contact the Lender or Provider before taking out any service or loan with them.
Any examples of amounts available to borrow, terms (repayment periods) or rates stated on the Lender or Provider Websites are purely given as a representative example relating to the product. These representative examples are stated to give You an understanding of the products available. Representative examples are not given as a figure of what You will actually be offered by the Lender/Finance Provider therefore cannot be given as a guarantee nor can they be used as any kind of warranty. As We do not provide the loan or financial service directly to You We are unable to control the representative rate examples contained on the Website. Please also be aware that the decision to offer any loan or financial service is made by the Lender or Finance Provider and We have no control over the decision making.
The Lender/Finance Provider will conduct an assessment on You before any decision or offer is made; this may include a full assessment of Your credit history both past and present.
Customer checks & referencing
Upon application the Lender or Finance Provider may use both fraud prevention and credit referencing agencies to help make relevant decisions. Credit checks and credit reference agencies can also help prevent fraudulent applications so We ask You to agree to using data provided for the purpose of preventing fraud and ensuring the Your identity is protected.
Monevo Limited (and associated trading names) will not carry out any credit checks on any customer upon registering to our services, however, Monevo Limited and the finance providers/lenders they work with may use credit scoring facilities and credit referencing agencies to determine how eligible the customer is when making an assessment on the customer.
Information provided by You must always be true and accurate, as misleading information will be regarded as a breach of Our terms and is likely to breach any agreement You have entered into with a Lender or Finance Provider. Misleading information may also result in the instigation of criminal procedures against You.
If You have authorised any third parties to act on Your behalf any information given by the 3rd party will be contractually binding on You. Should You choose to make a joint application for a loan or finance via the Website each party will be dealt with as a client acting with the consent of the other and if correspondence is entered into with one party of the joint application it shall be assumed that the communication is with both parties.
Information about You (including Your visits to the Website)
Unless stated otherwise We may contact You via means of telephone, SMS, post or email to provide information and alerts relating to Your application and or services We think may be of interest to You.
Intellectual property rights
The copyright and material on this form is owned by Monevo Limited and is protected by the copyright and trademark laws of the United Kingdom. You are permitted to copy any such information for Your own personal use but may not republish, store or reproduce any such information in any manner, including but not limited to electronic reproduction, without the prior written consent of Monevo Limited.
Any unauthorised downloading, retransmission, or other copying or modification of any of the contents of this form may be in breach of statutory or common law rights which could be the subject of legal action. Monevo Limited disclaims all liability which may result from any unauthorised reproduction or use of the information on this form.
We cannot guarantee that the Lender or Finance Provider will authorise any particular loan application. This may be as a result, directly or indirectly, of a systems problem, issues which are unforeseeable or outside of Our control or that of the Lender, or Finance Providers, or because information has been provided incorrectly. Accordingly, We shall not be liable for any loss You may suffer unless We have been negligent or not acted in accordance with these Terms and Conditions or unless otherwise required by UK law. In the event that You do not use this form with reasonable care and in accordance with these terms and conditions or We discover or are notified that You are using this form fraudulently, We, the Lender or Finance Provider reserve the right to charge You for any reasonable costs that We may incur in taking action to stop You using the form and recover any monies owed as a result of Your activities.
The form may only be used for lawful purposes and in a lawful manner. You agree to comply with all applicable laws, statutes and regulations regarding the Form and its use. You agree not to upload or transmit through the form: any computer viruses or anything else designed to interfere with, interrupt or disrupt the normal operating procedures of a computer; and any material which is defamatory, offensive or of an obscene character.
The form is controlled and operated in the United Kingdom. These Terms and any non-contractual obligations arising out of or in connection with these Terms will be governed by the laws of England and Wales and You irrevocably agree to submit to the exclusive jurisdiction of the English courts.