Last Reviewed February 10, 2023
The “Short Term Loans – Instant Quote” mobile app (hereinafter referred to as “the App”) is operated by TdotUK Limited (the “Company,” “We,” “Our,” “Us”). These Terms & Conditions of Use form part of an Agreement between the Company and You (“you” and/or “your”), as the user of the App and for the Company’s Services, and governs Your access to and use of the App.
Please be sure to read this Agreement in its entirety before using the App. If You do not agree to these terms, please do not use the App or the Company’s Services.
Notice: By using the App, You acknowledge that You are at least 18 years of age and that You have read, understand and agree without limitation or qualification to be legally bound by these Terms & Conditions of Use and our Privacy Notice, which are expressly incorporated herein by reference. Our Privacy Notice may be found at Privacy Notice.
About Us
The Company is incorporated under the laws of England and Wales, with company registered number 09225672. The Company is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register under reference number 688026. The Company is also registered with the Information Commissioner’s Office under registration number: ZA128431.
Using the App
In order to use the App and its services, you must agree to these Terms & Conditions of Use and the App’s Privacy Notice. You must also complete and submit one or more application forms that require personal, employment, and financial information (the “Information”).
The relevant application form to be submitted will depend on the specific services you require. These application forms are available as part of the App’s documentation.
Once you submit your Information, we may share it with our network of independent third-party lenders (“Lenders”). You are responsible for maintaining your own account information, including your password. If any information you have provided as part of your application changes, you agree to notify the App immediately, as outlined in the App’s Privacy Notice.
The collection, use, and sharing of this information is subject to these Terms & Conditions of Use and the App’s Privacy Notice, which are available as described above. By using the App’s services, you understand that you are requesting a referral for a loan from the partners with whom we may share your information. You also understand that such partners may contact you via email, telephone/mobile device/automated voice messaging, and direct mail to assist you in obtaining the loan requested. Lenders, the App, and/or third-party marketing partners may also provide information to you about additional services and products you may be interested in if you have provided specific consent to do so.
Actual or attempted unauthorized use of the App may result in criminal and/or civil prosecution. The App reserves the right to view, monitor, and record activity on the App with your permission. However, the App can monitor and collect information such as the date and time of your visit, the domain used to access the App, and the date and time of your application without your consent. No identifiable information will be gathered or processed without your consent. Any information obtained by monitoring, reviewing, or recording is subject to review by law enforcement organizations in connection with the investigation or prosecution of possible criminal activity on the App. The App will comply with all requests for such information in accordance with the law and its regulatory obligations.
The App’s Services
The App acts as a credit broker and connects consumers interested in loan amounts between £100 and £5,000 with participating lenders (the “App’s Services”). The App does not provide financing directly to users nor is it a lender or loan provider. Instead, it provides a free referral service through which interested consumers can connect with a network of independent, third-party lenders. The App is not an agent of any particular lender, and the use of the App is not an offer or solicitation to lend. Any compensation received by the App is paid by the lender for advertising services provided. By completing and submitting a registration form on the App, you give your consent to be matched with a lender in our network.
The App will present your information to one or more of our lenders based on their individualized criteria until a lender accepts your application or your application is declined by all lenders your information is presented to. Upon acceptance, you will be redirected to the lender’s website to complete the application process. You are under no obligation to accept the terms of a loan offer before signing any applicable loan documents with the lender, and you may cancel the process at any time before such point. Please carefully read the terms of any loan offer and consider obtaining independent legal and/or financial advice before accepting.
The App does not endorse, recommend, or guarantee the loan availability, price, product, availability, rates, fees or any other loan terms of lenders. We cannot guarantee that a given lender can offer you the most suitable loan available in the marketplace. By submitting your information to us, you expressly agree to permit lenders to verify and investigate the information you have provided.
If you are connected with a lender, you understand that the App is not a party to any agreement between you and that lender, and we have no involvement in the registration process after transmission to the lender. All loan terms are those of the lender alone. The lender is solely responsible for its services to you, and your interactions with the lender are subject to such lender’s terms, conditions, and privacy policies. Please direct all questions, comments, or concerns involving your loan to the lender.
You expressly agree that the App shall not be liable for any damages or costs of any type arising out of or in any way connected with your use of this App, including those damages or costs resulting from your entering into a loan agreement with a lender.
Eligibility
The terms of loans offered by lenders through the App vary by lender. To be eligible for a loan through the App, users must be at least 18 years of age, legally capable of entering into a binding contract, and have a valid address in the United Kingdom for service delivery.
Suitability Disclaimer
The information provided on the App may not meet your specific financial needs. It is recommended that you seek the advice of a financial professional to evaluate the loan information provided by lenders. Not all lenders can offer loans up to £5,000, and there is no guarantee that you will receive a loan at any amount or at the representative rate. The App does not determine the terms offered, including rates, duration, or payment schedules. Any offer extended by a lender is not a guarantee that it is suitable for your financial needs. It is your responsibility to ensure that any products or services available through the App meet your individual needs.
Credit Checking and Fraud Prevention
Although the company behind the App does not check your credit profile, make credit decisions, or determine loan terms, lenders routinely use credit referencing agencies (“CRAs”) and/or fraud prevention companies to make relevant decisions. The company will only direct the information provided on the App to such companies. It is your obligation to ensure that your information is accurate. To prevent fraud in the industry or the needless rejection of your application, only enter valid information. Deliberately submitting false data breaches these Terms and may also be deemed an unlawful act by any lender with which you are matched.
If you have authorized a third party to enter information on your behalf, such information is considered submitted by you. Joint applications are treated as having been submitted with the consent of both parties.
Confidential Information
The company will handle your confidential information, as well as public, non-confidential information, in accordance with the company’s Privacy Notice. You affirm that the information you provide on the App is complete and accurate. The company will only process information about you in accordance with the Privacy Notice.
Use of the Form
You agree to use the registration form provided on The App in a lawful manner and for a lawful purpose. It is prohibited to use the form in a way that causes harm to the Company’s operations.
Consent to Be Contacted
By submitting your information to The App, you give consent to be contacted by a Company representative via telephone, standard mail, or email regarding the service. Please note that marketing consent is collected separately, and you will not be contacted regarding products or services of interest unless specific consent is provided. For more information, refer to The Company’s Privacy Notice.
Third Party Information
We do not make any representations or warranties regarding the products or services offered by any third-party company, including lenders. Any reliance placed on statements made by third parties, including lenders, is done at your own risk. We do not endorse any opinion or claim made by any third party, including lenders, whether or not it is on The App, and we explicitly disclaim any responsibility and liability for such material. Third-party websites linked to The App are not under the Company’s control, and we expressly disclaim any responsibility for their content. We encourage you to review the terms of service and privacy notice of those sites.
Intellectual Property
The copyright and material on the App is the property of the Company and is protected by the copyright laws of the United Kingdom. We provide you with a limited, non-exclusive, non-transferable, and non-sublicensable license to use the App solely for your personal use or your internal business purposes.
This foregoing license is limited. You therefore may not (i) use, copy, store, reproduce, transmit, distribute, display, rent, lease, sell, modify, alter, license, sublicense, or commercially exploit the App (or any part thereof) in any manner not expressly permitted in these terms, (ii) reverse engineer, decompile, disassemble, translate, or create any derivative work of the App (or any part thereof); (iii) access, link to, or use any source code from the App (or any part thereof); or (iv) erase or remove any proprietary or intellectual property notice contained in or on the App (or any part thereof). In addition, you acknowledge and agree that exceeding the scope of the license herein shall be a material breach of these terms and subject to the termination provisions set forth herein.
The contents of the App, including all software, design, text, graphics, images, photographs, illustrations, audio and video material, artwork, databases, user interfaces, visual interfaces, sounds, artwork, presentations in any format, computer code (including html code), products, information, and documentation, as well as the design, structure, selection, coordination, expression, “look and feel,” and arrangement of the App (collectively, “Material”) unless otherwise indicated, are owned, controlled, and licensed by the Company or its licensors, and is protected by the copyright laws of the United Kingdom. Any rights granted hereby are expressly licensed. We do not grant any implied right to you or any other person and does not transfer or assign any ownership or intellectual property interest or title in or to the App (or any part thereof) to you or anyone else. Your unauthorized use of the App (including any Material) may violate intellectual property or other proprietary rights laws as well as other laws, regulations, and statutes.
You shall not, nor will you allow any third party (whether or not for your benefit) to reproduce, modify, create derivative works from, display, perform, publish, distribute, disseminate, broadcast or circulate to any third party (including, without limitation, on or via a third-party website), or otherwise use, any Material without our express prior written consent, or the Material’s owner if we are not the owner. All names, logos, and icons identifying us and our products and services are proprietary trademarks of the Company (or its affiliates), and any use or alteration of such marks, including, without limitation, as domain names or account identifiers, without the express written permission of the Company is strictly prohibited.
Mobile Access
The App may include certain services that are available to you via your mobile phone or other mobile device if you have subscribed to them, including the ability to use your mobile device to receive and reply to messages from us and access certain other features (collectively, “Mobile Services”). Although we do not charge you for these Mobile Services, your mobile carrier’s normal messaging, data, and other rates and fees will still apply to your use of the Mobile Services. In addition, downloading, installing, or using certain Mobile Services may be prohibited or restricted by your mobile carrier, and not all Mobile Services may work with all carriers or devices. You are responsible for checking with your mobile carrier to determine if the Mobile Services are available for your mobile devices, what restrictions, if any, may be applicable to your use of the Mobile Services, and costs associated with their use. Where Mobile Services do not contain their own terms of use, these Terms and Conditions of Use shall apply.
Your Representations
By using The App, you represent and warrant that (i) you are at least 18 years of age; (ii) you are authorized to enter into these terms and conditions; (iii) you will not use The App or the Materials for any purpose or in any manner that violates any law or regulation or that infringes the rights of the company or any third party; (iv) all information that you provide to us in connection with The App (e.g., name, e-mail address, and/or other information) is true and accurate; and (v) you are authorized and able to fulfill and perform the obligations and meet the conditions of a user as specified in these Terms and Conditions of Use.
Third Party Sites
Links found on The App relating to third parties are provided for your information only. We are not responsible for any loss or damage such links may cause due to your usage. External websites operate under their own terms and privacy policies, which differ from those found on The App.
Disclaimers
THE APP AND SERVICES ARE PROVIDED “AS-IS” AND “AS AVAILABLE.” THE COMPANY DOES NOT WARRANT, GUARANTEE, OR MAKE ANY REPRESENTATIONS REGARDING THE USE, OR THE RESULTS OF THE USE, OF THE APP OR SERVICES IN TERMS OF AVAILABILITY, ACCURACY, RELIABILITY, CURRENTNESS, COMPLETENESS, FUNCTIONALITY, INTENDED PURPOSE, OR OTHERWISE. THE COMPANY DOES NOT REPRESENT OR WARRANT THAT THE APP OR SERVICES WILL OPERATE ERROR-FREE, UNINTERRUPTED, OR IN A MANNER THAT WILL MEET YOUR REQUIREMENTS. THE ENTIRE RISK AS TO THE QUALITY AND PERFORMANCE OF THE APP IS WITH YOU. THE COMPANY HEREBY DISCLAIMS ANY AND ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, ANY IMPLIED WARRANTIES OF TITLE, NON-INFRINGEMENT, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR BASED ON COURSE OF DEALING OR USAGE OF TRADE. WE DO NOT GUARANTEE THAT THE INFORMATION PROVIDED BY THE CUSTOMER OR ANY THIRD PARTY IS ACCURATE OR COMPLETE, OR THE RESULTS TO BE ACHIEVED FROM USE OF THE APP OR SERVICES, INCLUDING BEING MATCHED WITH OR CONNECTED TO A LENDER.
Liability
You acknowledge and agree that the Company shall not be liable or responsible for any claim, damage, or loss resulting, directly or indirectly, from your use of The App or any cause beyond the Company’s control, including, but not limited to, offers or promotions made available on The App, failure of electronic or mechanical equipment or communication lines, telephone or other connection problems, computer viruses, unauthorized access, theft, operator errors, severe weather, earthquakes, or natural disasters, strikes or other labor problems, wars, governmental restrictions, or any claim, damage, or loss arising out of transactions or interactions between You, third party merchants or anyone else. You specifically acknowledge that the Company shall not be liable for defamatory, offensive, or illegal conduct of any third party and that the risk of harm or damage from the foregoing rests entirely with you.
MOREOVER, YOU AGREE THAT IN NO EVENT SHALL COMPANY BE LIABLE FOR ANY INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL DAMAGES, INCLUDING, WITHOUT LIMITATION, FOR LOST PROFITS, FOR LOST DATA, ARISING OUT OF OR IN ANY WAY CONNECTED WITH YOUR USE OF THE APP OR THE SERVICES, OR FOR ANY INFORMATION OR MATERIALS AVAILABLE THROUGH THE APP, WHETHER BASED IN CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE, EVEN IF COMPANY HAS BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. WITHOUT LIMITATION OF THE FOREGOING, TOTAL LIABILITY OF COMPANY FOR ANY REASON WHATSOEVER RELATED TO USE OF THE APP, RESULTS FROM USE OF THE APP, OR FOR ANY CLAIMS RELATING TO THIS AGREEMENT SHALL NOT EXCEED FIVE THOUSAND BRITISH POUNDS (£5,000.00), AS LIQUIDATED DAMAGES AND NOT AS A PENALTY EVEN IF COMPANY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. THIS LIABILITY, IF ANY, SHALL BE COMPLETE AND EXCLUSIVE.
Indemnification
You agree to release, discharge, defend, indemnify and hold harmless the App and its officers, directors, employees, agents, affiliates, third party information providers, licensors, contractors and others involved in the delivery of products, the App’s services or information through the site (collectively, “Indemnified Parties”), arising from, in connection with, or relating to, any breach of these terms by You, including breaches arising from your submission of Information through the app. You agree that the Indemnified Parties will have no liability in connection with any such breach or unauthorized use, and You agree to indemnify any and all resulting loss, damages, judgments, awards, costs, expenses, and attorneys’ fees and litigation expenses of the Indemnified Parties in connection with these. You will also indemnify and hold the Indemnified Parties harmless from and against any claims brought by third parties arising out of your use of the information accessed through the app’s services or related website(s).
Governing Law
These terms shall be governed and construed in accordance with the laws of England and Wales, or by Scots Law if you are a resident of Scotland, with such courts having exclusive jurisdiction over any claim arising from, or relating to, your access to or use of this app. The “Short Term Loans – Instant Quote” mobile app reserves the right to bring proceedings against you for breach of these terms and conditions in your country of residence or any other relevant jurisdiction.
Arbitration
Any dispute arising out of or in connection with these terms shall be referred to and finally resolved by the London Court of International Arbitration (“LCIA”) and by arbitration under the LCIA Rules, which Rules are deemed to be incorporated by reference into this clause. The number of arbitrators shall be one. The seat, or legal place, of arbitration shall be London, United Kingdom. The language to be used in the arbitral proceedings shall be English. The governing law of the contract shall be the substantive law of England and Wales (unless otherwise determined above). Where applicable, class members shall consent to class arbitration.
Termination
The Company reserves the right to terminate this Agreement with you at any time and for any reason, without prior notice. You acknowledge that the Company shall not be liable for any damages or losses, including loss of profits or sales, resulting from any termination of your access to the App or the network, as outlined in this section. You may demonstrate your withdrawal of consent to these terms at any time by discontinuing the use of the App. However, all applicable provisions of these terms will continue to be in effect after termination, as described below. Any licenses granted by the Company and any right to use the App shall immediately terminate upon the termination of your access to the App.
Feedback
The Company values your feedback and suggestions regarding the App and its products or services. By providing any feedback or suggestions and related information, materials, or other content (collectively, “Feedback”) to the Company, you represent and warrant that such feedback does not infringe or violate the intellectual property or proprietary rights of any third party, including patents, copyrights, or trademark rights, and that you have all the necessary rights to convey such Feedback to the Company. You acknowledge and agree that the Feedback will be considered as a royalty-free, perpetual, irrevocable, transferable, non-exclusive right and license for the Company to adopt, publish, reproduce, disseminate, transmit, distribute, copy, use, create derivative works, and display (in whole or in part) worldwide or take action on such Feedback without additional approval or consideration, in any form, media, or technology now known or later developed for the full term of any rights that may exist in such information, material, or content, and you hereby waive any claim to the contrary.
Rights of Third Parties
The rights granted to the user of the App shall not extend to any third party, including any counterparty, intermediary, bank, or other third party that may be connected to you or your activity.
Survival
The provisions related to Intellectual Property, Feedback, Disclaimers, Governing Law, Termination, and Miscellaneous terms will remain in effect after the termination or expiration of any agreement you may have made with the Company, of which these Terms and Conditions of Use are a part.
Complaints and Compensation
If you have a complaint in respect of the services described in these Terms and Conditions of Use, in the first instance, you should contact us through the form provided on the App or write to the Head of Compliance at Suite A, Floor 2, Avalon, 26-32 Oxford Road, Bournemouth BH8 8EZ. We shall investigate the situation and if necessary, attempt to put matters right as quickly as possible. You should expect a response within three (3) business days. Where appropriate we shall also take steps to prevent a recurrence.
If you remain dissatisfied after our response, please contact the Financial Ombudsman Service, which is a body set up by law to give consumers a free and independent service for resolving disputes with financial services firms. Further information is available at www.financialombudsman.org.uk.
Amendment
The App reserves the right to change the terms and conditions of this Agreement and by which the App is extended to you by providing you in writing or electronically a copy of such revised terms (or notice thereof). The App also has the exclusive right to provide updates, upgrades, or changes to, or to suspend, discontinue, or modify any aspect of the App at any time. Your continued use of the App following any such change to such App will be deemed acceptance to be bound by any such change to this Agreement or the App. If you have any questions about these Terms and Condition of Use, you may contact us via e-mail at: [email protected], by telephone at 01202 122 280, or in writing sent via certified mail to: T Dot UK, Suite A, Floor 2, Avalon, 26-32 Oxford Road, Bournemouth BH8 8EZ, Attn: Office of the General Counsel.