Terms

TERMS & CONDITIONS

Please read the details set out below carefully before using this Website (the “Website”). By accessing this Website, you agree to be bound by the following terms and conditions (t&c’s) and disclaimers (the “Terms”).

TERMS
All our products and services are subject to the t&c’s and disclaimers of the applicable agreement governing their use.
These Terms are to be read by you together with any terms, conditions and disclaimers provided in the pages of the Website. In the event of any conflict, the terms, conditions and disclaimers provided in the pages of the Website shall prevail over these Terms.

The information, material and content provided in the pages of the Website may be changed at any time without notice. Changes may be made to the Terms at any time without notice by updating this posting. You agree to review the Terms regularly and your continued access to or use of the Website will mean that you agree to any changes.

NO OFFER
Neither the information, nor any opinion contained in our Website constitutes an offer to sell or solicitation or an offer to buy any financial instruments or any advice or recommendation with respect to such financial instruments.

USERS
The Website is currently intended for those who access it from within the United Kingdom. Because of this we cannot guarantee that the Website or the information thereon complies with or is appropriate for use in other places.

NO WARRANTIES
The following clauses exclude or limit our legal liability for the Website. You should read them carefully.
Whilst we have taken reasonable steps to ensure the accuracy, currency, availability correctness and completeness of the information contained on the Website, information is provided on an “as is”, “as available” basis and we do not give or make any warranty or representation of any kind, whether express or implied. The use of the Website is at your sole risk. We shall not be liable for any loss or damage whatsoever and howsoever arising as a result of your use of or reliance on the information contained on the Website to the maximum extent permitted by law.

We do not represent or warrant that the Website will be available and meet your requirements, that access will be uninterrupted, that there will be no delays, failures, errors or omissions or loss of transmitted information, that no viruses or other contaminating or destructive properties will be transmitted or that no damage will occur to your computer system. You have sole responsibility for adequate protection and back up of data and/or equipment and for undertaking reasonable and appropriate precautions to scan for computer viruses or other destructive properties.

We make no representations or warranties regarding the accuracy, functionality or performance of any third party software that may be used in connection with the Website.

THIRD PARTY WEBSITES AND WARRANTIES
Where we provide hypertext links to other locations on the Internet, we do so for information purposes only. We are not responsible for the content of any other websites or pages linked to or linking to this Website. We have not verified the content of any such websites. Following links to any other websites or pages shall be at your own risk and we shall not be responsible or liable for any damages or in other way in connection with linking.

INTERNET E-MAIL
Messages sent over the Internet cannot be guaranteed to be completely secure as they are subject to possible interception or loss or possible alteration. We are not responsible for them and will not be liable to you or anyone else for any damages or otherwise in connection with any message sent by you to us or any message sent by us to you over the Internet.

TRADE MARKS AND COPYRIGHT
Copyright in the pages screens, information and material in their arrangement included in this Website is owned by or licensed to Quick & Friendly Loans unless otherwise noted. You may imprint, copy, download or temporarily store extracts from our Website for your personal information or when you use our products and services. You must not alter anything. Any other use is prohibited unless you first get our written permission. In particular no one may use a part of our Website on any other website, or link any other website to our Website, without our prior written permission.

DATA PROTECTION
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 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 both ourselves and those of selected third parties, to evaluate the effectiveness of our marketing of the Website and for statistical analysis. We may pass this information to other companies, third parties or agents, as permitted by law so that they may do the same and they may pass information held by them about you to us so that we may do the same. We will not disclose any such information outside ourselves except for fraud prevention purposes and/or if required/obliged by law or Governmental or judicial bodies or agencies or to our regulators under proper authority, or under a strict code of secrecy to sub-contractors or persons acting as our agents or where we have your consent or have previously informed you.

OUR COMPLAINTS PROCEDURE
We will do everything possible to ensure all our customers obtain a professional service.
If for any reason you feel the service you have received is not satisfactory, you should contact us by email explaining in detail the circumstances leading to your complaint, to which we will respond to. If you are not satisfied with our response you are entitled to refer your complaint to the Financial Ombudsman Service.

CUSTOMER ADVISORY NOTES

We encourage all visitors of the site to read our notes outlined below. We aim to provide information about the risks associated with irresponsible borrowing specifically related to payday loan products in the UK. Although we do not provide financial advice (none of the content on this site should be contrued as such), the aim is to protect you as a consumer before making any decisions.

Implications of late payment

Payday advances should be used for short-term borrowing needs only, where you are able to payback the loan within 30 days. We work with numerous lenders all of which have their own separate terms and conditions. We advise that you contact the lender you are matched with if you anticipate that you will be late with your payment. Late payment charges may apply (subject to the lender you are matched with). I you need to extend the loan then it is advised that you pay the finance charge for the original loan on the due date.

Implications of non-payment

Payday advances should be used for short-term borrowing needs only, where you are able to payback the loan within 30 days. We work with numerous lenders all of which have their own separate terms and conditions. The implications of late payment are specific to the lender you are matched with so be sure to read carefully the terms outlined by the lender you have been matched with. It is advised that you contact the lender directly if you foresee an issue with paying back your loan.

Code of practice/policy on responsible lending

We work with over 30 lenders, all of which are committed to responsible lending. All lenders that we work with are committed to:

1. Ensuring that any loan offered is specific to the borrowing needs of customers
2. Assessing each customer individually as to whether they are able to repay a loan
3. Provide clear and concise contracts and lines of communication
4. Maintain high levels of customer service and satisfication

Disclosure of fees including the annual percentage rate (APR)

There are no upfront fees when applying for a payday loan via moneyadv.co.uk; our loan matching service is free. If you are matched successfully with a lender then you are provided with the opportunity of entering a borrowing agreement with that specific lender. Please be sure to read the terms and conditions specified by the lender.

If you do not qualify for a payday loan then we may redirect you to an alternative solution where you may be charged for an up-front fee or membership fee by the company that we redirect you to. If you do not wish to pay such fees then we advise you search the internet for alternative options.

Renewal Policy

CCC works with numerous lenders all of whom have their own specific renewal policies. It is advised that you read the terms and conditions specified by the lender you are matched with. Should you have any questions, kindly contact the lender you are matched with directly.