Terms & Conditions
Governing law
Use of this website is to be governed by and construed in accordance with the laws of England and Wales. The courts of England and Wales are to have exclusive jurisdiction to settle any dispute arising out of or in connection with the use of this website or any agreement made with Choice Money Ltd. (t/a Choice Loans)
Some of the goods or services offered through this website may not be lawful or may otherwise not be permitted in certain countries outside the United Kingdom. If you attempt to order, receive, obtain, purchase or otherwise benefit from any such goods or services, we do not accept any liability for any losses suffered by you in using this website which you would not have suffered had you been accessing this website as a United Kingdom resident (including as a result of us being prevented from dealing with any application or enquiry by any law, regulation or other ruling applicable in any country).
Contacts
If you believe any information on this site is inaccurate or have any suggestions on how the content of this site could be improved please contact us at enquiries@choice-loans.co.uk If you have questions on a particular product or service please use the contact details shown for that product or service.
Credit Checks
In applying for a loan product with us, you authorise us and/or our Agents to conduct a search of your name at a credit reference agency. This search may show up on your credit record when you or other members of your household apply for credit. Please note that the disclosure of multiple credit searches on your file may adversely affect your credit profile and make it harder for you to obtain credit in the future therefore we ask you to consider this carefully before applying. However, we will try and ensure that only soft credit checks are done (which don't affect your credit score) and we don't instantly pass your application to several lenders at once, rather we prefer to apply to lenders one by one to avoid unnecessary credit checks being done on you. We take our responsibilities to you in this regard very seriously.
Changes
We will update the content of this notice from time to time. Please ensure that you visit this page regularly and refresh your browser to ensure your information is up to date.
Customer responsibility
It is your responsibility to ensure that your computer is virus protected. Choice Loans accepts no responsibility for any loss you may suffer as a result of accessing or downloading information from this site.
Accuracy and Validity of Information
Whilst we take all reasonable steps to ensure that the information contained within these pages is accurate and up-to-date, it is nonetheless supplied on an “as is†basis and accordingly we do not accept any liability for any errors or omissions. If you are in any doubt as to the validity of information made available within these pages, we recommend you seek verification by contacting us.
Availability
Whilst we take all reasonable steps to ensure this website is always accessible we will not be held liable if, for any reason, the website is unavailable for any period. We may also have to suspend access to the website for routine or emergency updates and maintenance but we will endeavour to keep any disruption to a minimum. In addition we cannot warrant that this website will be free of viruses or defects of any description and we will not be held responsible for any technical problems you may suffer as a result of your use of this website.
Liability
We accept no liability for any loss (whether direct or indirect, for loss of business, revenue or profits, wasted expenditure, corruption or destruction of data or for any other indirect or consequential loss whatsoever) arising from your use of the site and we hereby exclude any such liability, whether in contract, tort (including for negligence) or otherwise. We hereby exclude all representations, warranties and conditions relating to this website and your use of it to the maximum extent permissible by law.
Indemnity
You agree to indemnify us and keep us fully indemnified against all costs, expenses, claims, losses, liabilities and proceedings arising from:
(1) your misuse of this site (direct or indirect, knowingly or not);
(2) your use of this site that does not involve genuine enquiries into any of our services; or
(3) your use of this site that does not involve the accurate submission of details in relation to any of our services.
If anyone makes or threatens to make any claim against you relating to your use and / or misuse (knowingly or not) of this site, you must notify us immediately.
Third Party Websites
This website may also contain hypertext links to websites operated by third parties. The responsibility for the operation and content of those websites shall rest solely with the organisation identified as controlling the third party website and will be governed by separate terms and conditions. Links are provided for convenience and inclusion of any link does not imply endorsement in any way of the site to which it links. We accept no responsibility or liability for the contents of any linked website.
Privacy Statement
Choice Loans is registered with the UK Data Protection Registrar and endeavours to follow all the guidelines and rules set out in the Data Protection Act 1998.
We will not disclose your personal details to any third parties unless it is necessary to do so. On those occasions when we do need to disclose personal information, such as preparing Key Facts Illustrations for you, processing your business, or obtaining compliance and regulatory advice, we will do so on a confidential basis and in accordance with the Data Protection Act. All services provided by Choice Loans and Mortgages are subject to our Privacy Policy and you are advised to read through the terms of this policy before using the services of this site
Privacy Policy
We have notified our processing of personal data under the Data Protection Act 1998. We respect your personal privacy and will not use your personal information in any way that we would not accept ourselves. We have set out the following information about how we manage the personal information that we do collect.
Contact Details
If you have any comments or concerns regarding our privacy policy please contact us at enquiries@choicebusinessloans.co.uk .
What we use personal data for
We collect personal data to enable us to identify you and to deliver personalised offers and promotions based upon your demographics and product purchase profile, and for the purposes of statistical analysis.
The information is used for system administration purposes and to form personalised profiles and demographics that we may use to improve the content of our communications to you. In order to collect customer use profiles, we may use “cookies†to store and track information about your use of Choice Loans.
We will use this personalised information to keep you informed of areas you may have an interest. If you would prefer not to receive communications from us, please tell us by email to enquiries@choicebusinessloans.co.uk .
Access to personal data
Under the Data Protection Act 1998 we are entitled to charge an administration fee for answering your request of £10. All requests for copies of personal information should be made in writing accompanied by proof of identity and address documents as well as the administration charge to:
Choice Loans
Unit C1C Comet Studios
De Havilland court
Penn Street
Amersham
HP70PX
Complaints Procedure
Although we aim to provide you with the highest standards of service, there may be occasions when our service does not meet your expectations. This guide is intended to communicate the process we will follow should you feel the need to complain.
Although we will deal with complaints made verbally, it is preferable that your complaint is put in writing and addressed to:
The Managing Director
Choice Money Ltd
Unit C1C Comet Studios
De Havilland Court
Penn Street
Amersham
HP7 0PX
If you would like to discuss your complaint you may contact us directly and we will follow this procedure.
- We will send you a written acknowledgement within five working days of receiving your complaint (whether made verbally or in writing).
- Your concerns will be fully investigated and a detailed response ('decision letter') issued within eight weeks of receiving your complaint.
- In order for a thorough investigation to be undertaken your complaint letter and details from your file will be sent to the representative you spoke with, who will be asked for a report.
- Should you have any concerns in the meantime you should contact the member of staff whose name appears on the acknowledgement letter.
- In the unlikely event that no response is provided by us within the eight week period you are entitled to refer your complaint to the Financial Ombudsman Service.
If you remain dissatisfied following our final decision letter, you have the option to refer the matter to the Financial Ombudsman Service at:
The Financial Ombudsman Service
Exchange Tower
1 Harbour Exchange Square
London
E14 9SR
If the matter is to be referred to the Ombudsman you should do so as soon as possible after our final response and certainly within six months. Outside this time period the FOS has the discretion whether to review your complaint or not.
Please note
You should allow us to complete our Internal Complaints Procedure before you refer your concerns to the Ombudsman.
There are certain types of complaint which are outside the Ombudsman's jurisdiction. Before you refer the matter to the Ombudsman you may wish to contact them on 0845 080 1800 to discuss your complaint. You can also visit their website for more information http://www.financial-ombudsman.org.uk