MyFinanceClub.com is a trading name of My Finance Club Limited, registered in England & Wales, company number 07301026, registered office: Electric Works, Office 3-067, 3 Concourse Way, Sheffield Digital Campus, Sheffield. S1 2BJ. My Finance Club Limited is authorised and regulated by the Financial Conduct Authority under Reference Number (FRN) 674521, ICO Registration Number Z2382153.

We provide financial product services via telephone, SMS text and online. In asking us to provide you with a service(s) you are 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.

Access to our website is permitted on a temporary basis and 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 also restrict access to some parts of our website, or our entire website, to users who have registered with us.

If you choose or 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.

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 worldwide and as such all rights are reserved.

You may print or download extracts of our website for your personal reference only and you may draw the attention of others to material posted on our website.

You must not modify paper or digital copies of any materials you have printed or downloaded in any way, and you must not use, without our specific consent to do so, whether for private or commercial purposes, any graphics, video or audio materials from our website.

Breach of these terms and conditions will result in your right to use our website ceasing immediately and you must, at our option, return or destroy any copies of the materials you have made.

We may act as either a loan provider or broker to our clients, working with business partners in providing financial services which offer loans or offers of finance.

We may work alongside a number of loan and finance providers to help find loans and offers of finance for our clients.

Once a client enters into an agreement with us and accepts our terms and conditions, we may act as the client’s broker. Our clients are protected under the Consumer Credit Act 1974 (as amended) (“Credit Act”) and any lenders and financiers we work with are authorised and regulated by the Financial Conduct Authority.

To find independent, impartial information about how the Credit Act protects the rights of consumers we suggest you contact The Citizens Advice Bureau www.citizensadvice.org.uk.

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 may actually be offered or as any guarantee that a particular loan application will be approved.

The decision to provide clients with loans or offers of finance will be made subject to our lending policies and will depend on a number of factors including an assessment of an applicant’s credit history.

This website and all information provided therein including names, any images or logos 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).

To provide a first class service we will 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.

We will assume until told otherwise that the client agrees to us using telephone, SMS text, email and post to alert the client to products and services related to us and our associated companies.

We will process information about you in accordance with our Privacy Policy. By using our website, you consent to such processing and you warrant that all data provided by you is accurate.

You must not misuse our website by knowingly introducing any form of 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.

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 contact us on our contact form by clicking here.

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.

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 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).

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:

Complaints Manager
PO Box 102,
Blyth,
NE24 9DR

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,
Exchange Tower,
London,
E14 9SR.
www.financial-ombudsman.org.uk

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, counterpart, 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 business.

Apart from provisions expressly covering any associate companies, nothing in these terms is enforceable by anyone who is not a party to them.

If you have any comments about our website or our terms and conditions please click here to submit a contact form.