The Financial Conduct Authority (FCA) is the independent watchdog that regulates financial services. Use this information to decide if our services are right for you.
Our business is committed to treating our customers fairly and ensuring our products and services are suitable for their needs. Treating Customers Fairly (TCF) is a core part of our culture and philosophy and you can review our commitment to it by asking for a copy of our TCF policy statement.
We are a credit broker, not a lender. We can introduce you to a number of lenders who may be able to assist you with your requirements. We will only introduce you to these lenders.
You may be able to obtain short-term unsecured loan funding from other providers and you are encouraged to seek alternative quotations and details of their products by researching on the high street, in the media and online.
You will not make any payment to us for introducing you to a lender. All charges that you will pay including interest and fees will be clearly shown on the consumer credit agreement.
We may receive a commission payment from the lender or other broker if you decide to enter into an agreement with them, following an introduction via our website. You can request us to disclose the amount of any commission received.
You should carefully consider the amount of time you need to review the information and documentation with which you have been presented and ensure you understand your commitments under the agreement. You should also consider if it is advisable for you to have someone you know to help you make your decision. This is particularly important if you have any health issues, difficulty in understanding information or there have been any recent life events that could affect your ability to fully understand the information and documentation. Please advise us if this is the case and we can then proceed with your requirements in the most appropriate way.
You should assess the monthly payments you are required to make throughout the agreement and ensure you are able to meet these obligations and other obligations you already have without suffering undue hardship. If you are aware of any future events that will affect your ability to meet these payments, you should ensure the lender is informed immediately.
Your credit rating could be adversely affected if you do not make payments when due which could make it harder or more expensive for you to access finance facilities in the future.
Spyro Tech Limited, trading as Smart-Loans.co.uk, is authorised and regulated by the Financial Conduct Authority; registration number 912819. Spyro Tech Limited’s address is 12-14 Shaws Road, Altrincham, Greater Manchester, WA14 1QU.
You can check this information on the FCA register by visiting www.fca.org.uk/register or by contacting the FCA on 0800 111 6768.
If you wish to register a complaint, you can contact us at:
In writing: 12-14 Shaws Road, Altrincham, Greater Manchester, WA14 1QU.
By Phone: 01925 569488
By email: firstname.lastname@example.org
If you would like to know how we handle complaints, please ask for a copy of our complaints handling process. If you cannot resolve a complaint with us, you may be able to refer it to the Financial Ombudsman Service whose contact details are set out below
In writing: The Financial Ombudsman Service, Exchange Tower, London E14 9SR
By telephone: 0800 0234567
By email: email@example.com
For complaints information when a transaction is completed online, please access the Online Dispute Resolution platform at http://ec.europa.eu/consumers/odr/
Throughout the process of administering services for you we will need to collect personal information from you and pass this information to one or more third party organisations in order for them to supply any services you request. This may include passing this information to one or more potential lenders or credit brokers to enable them to make a credit decision. These lenders may use your information to conduct an affordability and credit worthiness assessment and will do so using the consent given by you.
This may include sharing your information with credit reference agencies and other companies for use in credit decisions and fraud prevention. For full details of where your information will be sent, and the purpose for doing so, or to cancel your consent for the processing of your personal data, please contact us.
In cases where your initial application may be refused by the most suitable lender, your application may be referred to other lenders or credit brokers who may also share information with credit reference agencies in order to assess your application for finance.
Those lenders or credit brokers will not use your personal information to provide you with promotional or marketing material unless you opt-in to receive this material directly with them.
In writing: Spyro Tech Limited, 12-14 Shaws Road, Altrincham, Greater Manchester, WA14 1QU.
By telephone: 01925 569488
By email: firstname.lastname@example.org