Terms and conditions
Thank you for visiting the flexcredit.co.uk.
Below you'll find a few important things you need to know about us and your use of our services. Please read these terms and conditions carefully before you start to use our services.
By using our website, you are accepting our terms and conditions and that you agree to abide by them and to use our service only for lawful purposes.
If you do not agree to these terms and conditions, please refrain from using our service.
Information about us
www.flexcredit.co.uk is a website operated by Money Gap Group Limited trading as flexcredit (“We, Our, Us”). We are a limited company registered in England and Wales with Company No. 6617413 and having our registered office at 28-32 Wellington Road, London NW8 9SP. Our VAT number is 940771518.
We are regulated by the OFT under the Consumer Credit Act 1974 (as amended) and our credit licence number is 0626678. We are registered under the Data Protection Act 1998 with Data Protection No: Z1696368.
The FlexCredit service
We provide a number of services via telephone and online and other means. In asking us to provide you with a service(s) you are also entering into an agreement with us.
By entering into an agreement with us you are accepting our terms and conditions relating to the agreement and also are agreeing to abide by them.
We acknowledge our obligations to this agreement by performing the service you have requested. In doing so we are the service provider and you are our client.
We deal directly with the client and have no obligation to any party other than our client. If you are accessing our service on behalf of a 3rd party our obligation is still with you, the client. And as our client the terms and conditions of this agreement apply to you, the client and no other parties or agents connected to you.
Accessing and using our website
Access to our website is permitted on a temporary basis, and, as explained below, we reserve the right to withdraw or amend the service we provide on our website without notice. We will not be liable if for any reason our website is unavailable at any time or for any period.
From time to time, we may restrict access to some parts of our website, or our entire website, to users who have registered with us.
If you choose, or you are provided with, a user identification code, password or any other piece of information as part of our security procedures, you must treat such information as confidential, and you must not disclose it to any third party. We have the right to disable any user identification code or password, whether chosen by you or allocated by us, at any time, if in our opinion you have failed to comply with any of the provisions of these terms and conditions.
You are responsible for making all arrangements necessary for you to have access to our website. You are also responsible for ensuring that all persons who access our website through your internet connection are aware of these terms and conditions, and that they comply with them.
Intellectual property rights
We are the owner or the licensee of all intellectual property rights in our website, and in the material published on it. Those works are protected by copyright laws and treaties around the world. All such rights are reserved.
You may print off one copy, and may download extracts, of any page(s) from our website for your personal reference and you may draw the attention of others to material posted on our website.
You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text.
Our status (and that of any identified contributors) as the authors of material on our website must always be acknowledged.
You must not use any part of the materials on our website for commercial purposes without obtaining a licence to do so from us or our licensors.
If you print off, copy or download any part of our website in breach of these terms and conditions, your right to use our website will cease immediately and you must, at our option, return or destroy any copies of the materials you have made.
We act as a loan broker to our clients. On behalf of the client we locate lenders and providers of financial services which offer loans or offers of finance.
We work alongside a number of loan and finance providers. These are the companies and organisations that we use to help find loans and offers of finance for our clients.
We do not provide loans or finance and do not represent the interests of or act on behalf of any individual lender or financier.
Once a client enters into an agreement with us and accepts our terms and conditions, we act as the client’s broker for a period of 6 months. This period allows us the chance to try and find a loan or offer of finance required by the client.
Our clients are protected under the Consumer Credit Act 1974 (as amended) (“Credit Act”) and all of the lenders and financiers we work with to find loans for our clients are licensed by the OFT.
To find out more information about how the Credit Act protects the rights of consumers contact the Trading Standards Institute www.tradingstandards.gov.uk or the Citizens Advice Bureau www.citizensadvice.org.uk.
We do not provide loans or finance therefore we do not set or exert any influence over the rates of interest charged for financial products. Interest rates are set by the lenders and financiers who will also make the decision as to the provision of loans of finance to our clients.
Examples of rates, amounts borrowed and repayment periods given on our website are provided by way of offering a representative example of the product to help the client understand the products on offer.
We do not provide the representative examples as any form of warranty of what any lender or financier will actually offer the client or as any guarantee that the client will be approved for finance by lenders.
The decision to provide clients with loans or offers of finance lies with the lenders and financiers alone and will depend on many things including a lender’s assessment of a client’s credit history.
Reliance on information posted
Material on the website
This website and the information, names, images, logos regarding or relating to us are provided "as is". Commentary and other materials posted on our website are not intended to amount to advice on which reliance should be placed. We therefore disclaim all liability and responsibility arising from any reliance placed on such materials by any visitor to our website, or by anyone who may be informed of any of its contents.
Articles and information contained on our website pertaining to financial services available on the market and their use and the management of personal finances are presented as opinion only and are not presented as financial advice. Users of our website and services requiring financial advice are advised to seek information from a registered and qualified Independent Financial Adviser (IFA).
Our website changes regularly
We aim to update our website regularly, and may change the content at any time. If the need arises, we may suspend access to our website, or close it indefinitely. Any of the material on our website may be out of date at any given time, and we are under no obligation to update such material.
The material displayed on our website is provided without any guarantees, conditions or warranties as to its accuracy. To the extent permitted by law, we and third parties connected to us hereby expressly exclude:
- All conditions, warranties and other terms which might otherwise be implied by statute, common law or the law of equity.
- Any liability for any direct, indirect or consequential loss or damage incurred by any user in connection with our website or in connection with the use, inability to use, or results of the use of our website, any websites linked to it and any materials posted on it, including, without limitation any liability for loss of income or revenue; loss of business; loss of profits or contracts; loss of anticipated savings; loss of data; loss of goodwill; wasted management or office time; and for any other loss or damage of any kind, however arising and 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.
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.
Communications from or on behalf of flexcredit
We will assume until told otherwise that the client agrees to us using telephone, SMS, email, fax and post to alert the client to products and services related to us and our associated companies. Unless you opt out of future marketing campaigns when you apply with us, we may follow up your application with a courtesy call from one of our Customer Services team to see how you found the process and to offer any further assistance if required.
Checks and references
We do not carry out credit checks on clients when loan and finance applications are made or when clients register with our service.
However, the lenders and financiers that we use to try to find loans and finance on behalf of clients may use external credit reference agencies and credit scoring services to ascertain that the client is eligible for a loan or finance and meets the criteria of the lender or financier.
Credit checks and credit reference agencies can also help prevent fraudulent applications so by proceeding with your application you agree to lenders using data provided for the purpose of preventing fraud and ensuring the clients identity is as claimed. This data may be used by a Credit Reference Agency or Fraud Agency and these agencies may keep a record of your information.
Information provided by the client 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 the client has entered into with the lenders and financiers we work alongside. Furthermore, misleading information may also result in the instigation of criminal procedures against the client.
If the client has authorised any 3rd Parties to access the service on behalf of the client instructions issued by authorised 3rd parties will be contractually binding on the client on whose behalf the 3rd Party is acting.
Should the client choose to make a joint application for a loan or finance via our site 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.
The obligations and responsibilities of any breach of contract of or by us does not extend beyond the agreement with the client and does not include any obligation to any bank, counterparty, intermediary or other third party connected to the client.
The client takes full responsibility for any loss or damage incurred through the provision of misleading or incorrect information to us by the client.
Should loss arise from our non-performance there will be no liability held against us if this is caused by something beyond our reasonable control, including changes in the law or regulations affecting our normal operations.
Apart from provisions expressly covering associate companies, nothing in these terms is enforceable by anyone who is not a party to them.
Information about you and your visits to our website
Viruses, hacking and other offences
You must not misuse our website 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 website, the server on which our website is stored or any server, computer or database connected to our website. You must not attack our website via a denial-of-service attack or a distributed denial-of service attack.
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 website will cease immediately.
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 website or to your downloading of any material posted on it, or on any website linked to it.
Linking to our website
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.
You must not establish a link from any website that is not owned by you.
Our website must not be framed on any other site, nor may you create a link to any part of our website other than the home page. We reserve the right to withdraw linking permission without notice.
If you wish to make any use of material on our website other than that set out above, please address your request to Customers@flexcredit.co.uk.
Links from our website
Where our website contains links to other sites and resources provided by third parties, these links are provided for your information only. We have no control over the contents of those sites or resources, and accept no responsibility for them or for any loss or damage that may arise from your use of them.
Applicable law and jurisdiction
These terms and conditions and any dispute or claim arising out of or in connection with them or their subject matter or formation (including non-contractual disputes or claims) shall be governed by and construed in accordance with the laws of England and Wales or by Scots Law if you are resident in Scotland at the time of entering an agreement with us.
The English courts, or Scottish courts if you are resident in Scotland at the time of entering an agreement with us, will have exclusive jurisdiction over any claim arising from, or related to, a visit to our website although we retain the right to bring proceedings against you for breach of these terms and conditions in your country of residence or any other relevant country.
The agreement is in English and all communications between you and us will be in English.
Articles and information contained on our website pertaining to financial services available on the market and their use and the management of personal finances are presented as opinion only and are not presented as financial advice. Users of our website requiring financial advice are advised to seek information from a registered and qualified Independent Financial Adviser (IFA).
Changes to terms and conditions
We may change these terms and conditions at any time by posting changes online. You are expected to check this page from time to time to take notice of any changes we made, as they are binding on you. By continuing to use the site after changes are posted you are accepting our new terms and conditions. Some of the provisions contained in these terms and conditions may also be superseded by provisions or notices published elsewhere on our website.
We aim to offer an excellent service to all our clients. If you feel that we have failed to provide our service or wish to make a formal complaint of any kind, write to:
Money Gap Group
28-32 Wellington Road
London NW8 9SP
A response to your complaint will be provided within 8 weeks of receipt of the letter of complaint.
Should you wish to pursue your complaint further or should you be unhappy with the response you have received you can refer your complaint to the Financial Ombudsman Service:
Financial Ombudsman Service,
South Quay Plaza,
183 Marsh Wall,
London E14 9SR.
Contacting us about these terms and conditions
If you have any comments about our website or our terms and conditions please email: Customers@flexcredit.co.uk.