Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk
Smart-Loans.co.uk is a trading style of Spyro Tech Ltd, we are a credit broker authorised and regulated by the Financial Conduct Authority (FRN 912819). We are a company registered in England and Wales (10461887). Our registered Office address is Spyro Tech Ltd, 12–14 Shaws Road, Altrincham, Cheshire, WA14 1QU, We are registered with the Information Commissioner's Office with registration number ZA459475
We reserve the right to amend these terms and conditions from time to time by amending this page. The amended terms and conditions will be effective from the date they are posted on our website. By continuing to use our website after changes are posted you are accepting our new terms and conditions.
We provide an online credit broking service and can help you to search for certain products and services provided by our panel of lenders and credit brokers (“Our Partners”). We do not charge you a fee for using the our services, but we do receive commission from Our Partners if they are able to provide you with the particular product or service you were looking for. Whether or not Our Partners are able to provide you with the product or service you are looking for, is their responsibility and will depend on factors such as their assessment of your eligibility and credit worthiness by taking into account your credit history. You are protected under the Consumer Credit Act 1974 (as amended) (“CCA”), and Our Partners are authorised and regulated by the Financial Conduct Authority. To find out more information about how the CCA protects the rights of consumers contact the Trading Standards Institute or the Citizens Advice Bureau
Our website is for your personal use only and you must not use it in any unlawful or fraudulent manner. You should only use our service if you a UK resident aged 18 years or over. If you are using our website on behalf of another person, you are responsible for ensuring that they understand and agree to these terms and conditions. When you provide their information, you are confirming to us that you have their permission to do this.
We do not carry out credit checks on you when you use our website to find a financial product or service. However, Our Partners may use external credit reference agencies and credit scoring services to ascertain whether you are eligible for a particular product or service and that you meet their eligibility criteria. Credit checks and credit reference agencies can also help prevent fraudulent applications. When you make an application, you agree to Our Partners using your personal information to prevent fraud and to verify your identity. This data may be used by a Credit Reference Agency or Fraud Agency and these agencies may keep a record of your information. You are responsible for ensuring that the information you provide is true and accurate. Misleading information will be regarded as a breach of our terms and is likely to breach any agreement you enter into with Our Partners. Furthermore, misleading information may also result in the instigation of criminal procedures against you.
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. All rights in this website are owned by us.
If you leave our website to complete an application for a product or service on the website of one of Our Partners, it is very important that you read their terms and conditions to make sure you understand and accept them. 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.
The information on our website is not intended to be construed as financial or other advice. It is provided to help you find the product or service that you consider is the most appropriate for your circumstances. If you think you need financial advice, you should contact a registered and qualified Independent Financial Adviser.
We do not accept responsibility or liability for any loss or damage you may incur (whether directly or indirectly) in the following circumstances: If the information you provide to us is incorrect, incomplete or misleading; If the product or service you apply for is not appropriate for you; As a result of any acts or omissions of Our Partners regarding the product or service you are applying for, and/or As a result of your use, or inability to use our website due to circumstances beyond our reasonable control. 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 including but not limited to the Financial Services and Markets Act 2000, as amended, ("FSMA") or any conduct of business rules developed pursuant to FSMA.
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. 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.
We aim to offer an excellent service to all our customers. If you feel that we have failed to provide our service or wish to make a formal complaint of any kind, please write to: Compliance Manager, Spyro Tech Ltd, 12–14 Shaws Road, Altrincham, Cheshire, WA14 1QU A response will be provided promptly upon receipt of your letter of complaint. If we do not resolve your complaint internally to your satisfaction, you may be able to refer your complaint to the Financial Ombudsman Service: Financial Ombudsman Service, Exchange Tower, London, E14 9SR. or you can visit their website here
These terms and conditions and your access to and use of our website (including any dispute or claim arising out of or in connection with them), shall be governed by and interpreted in accordance with English law. You agree to submit to the exclusive jurisdiction of the courts of England and Wales in connection with these terms and conditions and your access to and use of our website.
If you have any questions about these terms and conditions, or would like to contact us for any other reason, you can reach us via the following: Spyro Tech Ltd, 12–14 Shaws Road, Altrincham, Cheshire, WA14 1QU