Terms and Conditions using this website
1. Terms and Conditions of website use
2. Information about us
2.2. The Company is a service business carrying out the business in the United Kingdom. The Company does not make loans or credit decisions.
2.3. Quick and Friendly Loans is a registered Trading Name of Quick & Friendly Loans Limited. The operator of this website is not an agent or representative of consumers or any lender and does not endorse the services offered by specific lenders.
2.4. We are Licensed by the Information Commissioner’s Office in compliance with the Data Protection Act of 1998. Our registration number is ZA028304.
2.5 Quick & Friendly Loans runs this website as an information only blog type website. quickandfriendlyloans.com does not provide any loan or consumer credit products directly. quickandfriendlyloans.com is a registered trading name of Quick & Friendly Loans Limited. We are NOT authorised and regulated by the Financial Conduct Authority, as we do not give advice of any kind.
3.1. The Company’s services include the placing of adverts from other non-related companies and these can be for a variety of products and services and not necessarily finance related.
3.2. Any examples of loan terms on our website are for illustrative purposes only.
3.3. The Company does not charge you any fees for using the website or reading the contents. The Company may receive a small commission from its Advertising Partners if you click on one of the adverts shown.
3.4. The Company is not a party to any contract made between you and the Advertising Partners for any product. All rights and obligations under the terms of the contract for a subsequent purchase are solely between you and the relevant company.
4.1. We do not act on behalf of any of the Advertising Partners or represent them.
5. Accessing our site
5.1. Access to our Sites is permitted on a temporary basis and we reserve the right to withdraw or amend the service we provide on our Sites without notice (see below). We will not be liable if for any reason our Sites is unavailable at any time or for any period.
5.2. From time to time, we may restrict access to some parts of our Sites or the entirety of our Sites, to users who have registered with us.
5.4. You are responsible for making all arrangements necessary for you to have access to our Sites. You are also responsible for ensuring that all persons who access our Sites through your internet connection are aware of these terms, and that they comply with them.
6. Intellectual Property
6.1. Our Sites, the content, any materials downloaded and all intellectual property pertaining to or contained on our Sites (including but not limited to copyrights, patents, database rights, graphics, designs, text, logos, trade dress, trademarks and service marks, (collectively “the Content”) are owned by the Company or other third parties and all rights, title and interest therein shall remain the property of the Company and/or such third parties. All Content is protected by copyright, patent and trademark laws, and various other intellectual property rights and unfair competition laws.
6.2. Logos, trademarks, images, etc. are the property of the Company unless otherwise noted and may not be copied, used, linked, disseminated, etc. without the Company ‘s prior express written approval. Requests for approval should be directed to email@example.com or Quick & Friendly Loans Limited, 3rd Floor, 207 Regent Street, London.
6.3. You are authorised solely to view and retain a copy of the pages of our Sites for your own personal, non-commercial use. You may also view and make copies of relevant documents, pages, images or other materials on our Sites for the purpose of transacting business with the Company.
6.4. You agree that you will not duplicate, publish, modify, create derivative works from, participate in the transfer of, post on the World Wide Web, or in any way distribute or exploit our Sites, or any portion of our Sites for any public or commercial use without the express written consent of the Company.
6.5. Additionally, you agree that you will not (i) remove or alter any author, trademark or other proprietary notice or legend displayed on our Sites (or printed pages produced from our Sites); and (ii) make any other modifications to any documents obtained from our Sites other than in connection with completing information required to transact business with the Company.
7. Site Security
7.1. You must not misuse our Sites by knowingly introducing viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not attempt to gain unauthorised access to our Sites, the server on which our Sites is stored or any server, computer or database connected to our Sites. You must not attack our Sites via a denial-of-service attack or a distributed denial-of service attack.
7.2. By breaching this provision, you would commit a criminal offence under the Computer Misuse Act 1990. We will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use our Sites will cease immediately.
7.3. We will not be liable for any loss or damage caused by a distributed denial-of-service attack, viruses or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of our Sites or to your downloading of any material posted on it, or on any website linked to it.
8.3. Additionally, by using our Sites, you acknowledge and agree that Internet transmissions are never completely private or secure. You understand that any message or information you send to our Sites may be read or intercepted by others, notwithstanding the Company ‘s efforts to protect such transmissions.
9.1. The Company does not promise that our Sites or any content, document or feature of our Sites will be error-free or uninterrupted, or that any defects will be corrected or that your use of our Sites will provide specific results.
9.2. The material on our Sites could include technical inaccuracies or typographical errors. Our Sites and their content are delivered on an “as-is” and “as-available” basis. All information provided on our Sites is subject to change without notice. The Company cannot ensure that any files, documents or other data you download from our Sites will be free of viruses or contamination or destructive features.
9.3. The Company disclaims all warranties, express or implied, including any warranties of accuracy, non-infringement, merchantability and fitness for a particular purpose.
9.4. The Company does not guarantee that submission of an application will result in you receiving a product or service.
9.5. The Company disclaims any and all liability for the acts, omissions and conduct of any third parties in connection with or related to your use of our Sites. You assume total responsibility for your use of our Sites and any linked sites.
10. Our Liability
10.1. The material displayed on our Sites is provided without any guarantees, conditions or warranties as to its accuracy. To the extent permitted by law, we, other members of our group of companies and third parties connected to us hereby expressly exclude:
10.1.1. all conditions, warranties and other terms which might otherwise be implied by statute, common law or the law of equity; and
10.1.2. any liability for any direct, indirect or consequential loss or damage incurred by any user in connection with our Sites or in connection with the use, inability to use, or results of the use of our Sites, any websites linked to it and any materials posted on it, including:
(i) loss of income or revenue;
(ii) loss of business;
(iii) loss of profits or contracts;
(iv) loss of anticipated savings;
(v) loss of data;
(vi) loss of goodwill;
(vii) wasted management or office time; and
(viii) whether caused by tort (including negligence), breach of contract or otherwise, even if foreseeable, provided that this condition shall not prevent claims for loss of or damage to your tangible property or any other claims for direct financial loss that are not excluded by any of the categories set out above.
10.2. This does not affect our liability for death or personal injury arising from our negligence, nor our liability for fraudulent misrepresentation or misrepresentation as to a fundamental matter, nor any other liability which cannot be excluded or limited under applicable law.
12. Linking to and from our sites
12.1. Our Sites may contain links to sites maintained by third parties. The Company is not responsible for the content or privacy policies of those sites, and the existence of such links should not be considered an endorsement or recommendation of those sites or of any product or service offered on those sites or of any party that is associated with those sites.
12.2. Please note that other websites and web pages linked to our Sites may be governed by separate terms and conditions, including privacy policies. Please refer to the applicable terms and conditions, including privacy policies of those websites and webpages when visiting them.
12.3. You may link to our home page, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it, but you must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part where none exists.
12.4. You must not establish a link from any website that is not owned by you.
12.5. We reserve the right to withdraw this permission without notice. Our Sites must not be framed on any other site, nor may you create a link to any part of our Sites other than the home page.
12.6. If you wish to make any use of material on our Sites other than that set out above, please address your request to firstname.lastname@example.org or Quick & Friendly Loans Limited, 3rd Floor, 207 Regent Street, London.
14. Law and jurisdiction
16. Your complaints
16.1. If you have a complaint, please contact us at email@example.com or Customer Services Team, Quick & Friendly Loans Limited, 3rd Floor, 207 Regent Street, London. We will investigate your complaint. We will attempt to both resolve your complaint through investigation and to respond to you with the outcome.
We aim to provide information about the risks and benefits of certain products and services before you make any decisions.
Although we do not provide financial advice at all.