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Terms and Conditions

1. General
1.1 These terms and conditions relate to www.allthelenders.org.uk. Please read these Terms & Conditions before using our website, because by continuing to use our website, you are agreeing to be bound by them.

1.2 To use our website you must be 18 years or older and you’ll need to be a UK resident.

1.3 allthelenders.org.uk is a free to use Website which compares the price of various personal finance products. allthelenders.org.uk also provides tools to identify products that match your needs & circumstances, to give you an indication of your eligibility for products, and to give you an indication of whether or not a provider will accept your application for a product should you choose to make one.

1.4 The aim of the allthelenders.org.uk website is to aid you in making informed purchasing decisions before you take out a product. We do not provide bank accounts, we do not issue credit cards or prepaid debit cards and we do not lend money. The price and any terms and conditions that apply will depend on individual providers and they are entirely responsible for deciding whether or not to approve any application you make.

1.5 We do not issue advice of any kind and nothing on the website should be considered a recommendation or endorsement of Providers or Products. The only thing We recommend is that You seek financial advice from a qualified professional, to verify the information that You find on Our Website and wish to rely upon.

1.6 We offer impartial and independent comparison. Some of the providers whose products feature on allthelenders.org.uk will pay us if you take out one of their products, some will pay us if you make an application, some will pay us if you visit their website, and others don’t pay us at all. Regardless, We’ll never let the amount we earn or whether we earn any money or not affect the prominence of how a product is displayed to you. Products are always ranked by price (for loans, they are always ranked by Total Amount Payable, with the cheapest product first).

1.7 If You have any queries relating to these Terms & Conditions, or any other questions, contact the allthelenders team at [email protected]

1.8 From time to time, we may change or update these Terms & Conditions. If we do, the updated or amended Terms & Conditions will be posted to this page.

1.9 If any provision of these Terms & Conditions are held to be unlawful, invalid or unenforceable, that provision shall be deemed deleted, and the validity and enforceability of the remaining provisions shall not be affected.

1.10 These Terms & Conditions, together with our Privacy Policy and Cookie Policy, constitute the entire agreement between you and us relating to your access to and use of allthelenders.org.uk and supersede any prior agreements.

1.11 No failure or delay by us in exercising any right under these Terms & Conditions will operate as a waiver of that right nor will any single or partial exercise by us of any right preclude any further exercise of any right.

1.12 These Terms & Conditions shall be governed and interpreted in all respects, in accordance with the laws of England and Wales.

2. About Us
2.1 allthelenders.org.uk is a trading name of Warwick Financial Services Limited, a firm authorised and regulated by the Financial Conduct Authority (Firm Reference Number 622839).

2.2 Warwick Financial Services Limited is registered in the UK at 4th Floor, 18 St Cross Street, London EC1N 8UN (Registered Company Number 09011092).

2.3 Warwick Financial Services Limited is registered with the Information Commissioner’s Office (Registration Number ZA101793).

3. Definitions
In these Terms & Conditions:

Credit Reference Agency

means a company which collects information relating to Your credit usage;

Product

means any credit card or personal loan displayed on our Website;

Provider

means a financial services provider supplying one or more products;

Quote

means a price relating to a product provided by a provider for comparison with other quotes, on the basis of the information you have provided;

Tools

means interactive features of allthelenders.org.uk including the comparison tables and eligibility check/application form.

We, Us and Our

means allthelenders.org.uk or Warwick Financial Services Limited;

Website

means pages, tools and content available at allthelenders.org.uk; and

You, Your

means you or belonging to you, the user of our Website.

4. Your obligations
4.1 allthelenders.org.uk may be accessed for personal use. The website may also be used for business research purposes but only in the case of personnel working for a regulatory body, trade body or similar.

4.2 Please ensure that all information you enter into allthelenders.org.uk is complete and accurate. Entering inaccurate data may result in inaccurate quotes being shown and in extreme cases, providers may consider inaccurate application data to be fraudulent. Please double-check your information before submitting it.

5. Comparison table & Product page information
5.1 The information provided on our Website does not constitute any form of advice, recommendation, representation, endorsement or arrangement by us and is not intended to be solely relied upon by you in making (or refraining from making) any specific choice.

5.2 Whilst we make every effort to vet the companies featured on our website, please do not rely on our assessment. Given that the impact of the opinions that both consumers and our own staff may express on our website can vary widely, you should carry out your own independent research into any product you’re considering applying for, to verify the information you find here.

5.3 While We aim to provide you with the most up to date and accurate product information possible, we can’t promise that it is absolutely flawless nor 100% accurate and we won’t be held responsible for any damage or loss relating to the accuracy, completeness or timeliness of the information. We will not be held liable in respect of any losses you may suffer arising from reliance you may place upon the information displayed here either.

6. Check Eligibility
6.1 Our Eligibility Checker is the service that sits behind the “Check Eligibility” buttons on allthelenders.org.uk. As well as saving you time, completing an Eligibility Check application means less credit searches being recorded on your credit file – a factor that can have a negative impact on your chances of being accepted for credit in the future.

6.2 When you make an application using the Eligibility Checker, your application is transferred to a number of providers whose acceptance criteria matches the requirements and circumstances you describe on your application form. Providers either respond positively with an acceptance or an indication that they cannot offer you a product. You will automatically be transferred to a providers website when an acceptance has been found.

6.3 When using the Check Eligibility buttons from the price comparison tool and you wish to apply to a specific lender, the lender that you have chosen will always receive your application first. If the lender gives us an acceptance or if you match their lending criteria we will transfer you to their website. If the lender gives us a negative response or you do not match their lending criteria we will automatically try all of the other lenders in our panel to try and find an acceptance. During this process, only soft checks of your credit file will be undertaken. If you make an application on any other page that is not a lender specific page, your application will be presented to our panel of lenders in an order that we have chosen.

6.4 Quotes are conditional based on the information you provide during your application being accurate, correct and verifiable. When you go on to a provider’s website to accept an offer, they will verify the information you provide using third party credit reference and fraud prevention agencies. Records of searches may be recorded on your credit file. We will not be held liable or responsible for any losses or damages you may suffer arising from reliance you place on the quotes produced by us.

7. Liability
7.1 Every reasonable effort is made to ensure that the information relating to the acceptance criteria of providers and products scrutinised by the Eligibility Checker is accurate and up to date. However, We won’t be held responsible for any damage or loss relating to the accuracy, completeness or timeliness of the information or the resulting numerical representation of your eligibility for products. We will not be held liable in respect of any losses you may suffer arising out of any reliance you place on the results produced by the Eligibility Checker.

8. Cancellation
You have the right to cancel your service at anytime. With comparison tables and the Eligibility Checker, simply closing your browser window will effectively cancel the service.

9. Reasonable Use
9.1 You are permitted to use allthelenders.org.uk on the condition that you will not do anything to affect the integrity or security of the website or that may cause harm, damage or unreasonable inconvenience to any other user of the Website.

9.2 You are not permitted to gather, extract, download, reproduce or display any material from this website, including but not limited to information relating to prices. You are strictly forbidden from using spiders, data mining, trawling, screen scraping or any other software or system used to extract data.

9.3 Any breaches of the above will result in action including denying you access to this Website, bringing legal proceedings against you and disclosures to the appropriate authorities and regulatory bodies.

10. Intellectual Property
10.1 The information, content, material and data displayed on allthelenders.org.uk belongs to us or our licensor. You may temporarily print, copy, download or store extracts of information, content, material or data displayed on this website for your own personal use. You may not use information, content, material and data taken from our website for any commercial purposes and you may not commercially exploit, publish, distribute, extract or reproduce without our prior written consent.

10.2 You will retain ownership of any views, opinions, reviews, ratings, rantings, ravings, comments, content or material you submit, display, distribute, upload, post, share, publish, or otherwise make publicly available on or through our Website. You grant us an indefinite, irrevocable, transferable, worldwide, royalty free and unlimited licence to use, modify, keep, share, sell, save, copy, distribute, publish, display, excerpt, reproduce, utilise, extract, make available, print out and marvel at and transmit such content in any manner and for any purpose.

10.3 Certain names, words, titles, phrases, logos, icons, graphics or designs to the pages of this website may constitute trademarks or unregistered trademarks of Warwick Financial Services Limited. The display of any of the above trade names or trademarks on pages of this website does not imply that any licence has been granted to any third party in respect of the same. All other company names and devices, logos, icons, graphics, or designs referred to on the pages of this website are the trademarks of their respective owners and are exhibited only in such a manner as is intended to be for the benefit of such trademark owners and Warwick Financial Services Limited intends no infringement of such trademarks. The appearance or absence of Products, services, companies, organisation, home pages or other websites on this website does not imply any endorsement or non-endorsement thereof by Warwick Financial Services Limited. All rights not expressly granted herein reserved by Warwick Financial Services Limited.

11. Privacy Policy
We comply with all applicable data protection legislation in respect of the personal data we collect from you. If you decide to enquire about, apply for or purchase a product featured on our website, you will be directed to the website belonging to the relevant provider. If you provided any personal data in an application form on allthelenders.org.uk, this may also be passed to the provider to allow them to deal with your request. Providers will have their own privacy policies which you should review. You can view our Privacy Policy here.

12. Third party Websites
allthelenders.org.uk contains links to websites operated by third parties. The operation and content of those websites are determined by those third parties and will be governed by separate terms and conditions. We do not accept responsibility or liability for the content of any third party Website, as this is outside of our control.

13. Jurisdiction
These Terms & Conditions are governed by and subject to the laws of England and Wales. Any disputes under or relating to these terms or the Website will be subject to the exclusive jurisdiction of the English courts.

14. Complaints
We want you to be really happy with the service we provide on our website and if you’re not entirely happy, we’ll do everything we can to put it right. If you do wish to make a formal complaint, you’ll find instructions on how to do so on our complaints page, which you can find here.

15. Indemnity, Disclaimer, Warranties & Liability
15.1 By using our website, you agree to indemnify, defend and hold harmless; us, our directors, officers, employees and licensor from and against any claim, liability, cost, damage or loss we may incur (including reasonable legal fees) as a result of any material that you post or transmit on our communication forums or via our communications systems, any actions you take that disrupt access and/or the functioning of our site or any breach by you of your obligations under these terms.

15.2 Warwick Financial Services shall not be liable for any direct or indirect, special, incidental or consequential damages, including the loss of profits, business revenue or goodwill arising from the use or access of or inability to use or access, interruption or availability of this website, its operation or transmission, computer viruses, loss of data or otherwise in respect of its use.

15.3 Any exclusions or limitations or restrictions of liability contained in these terms of use and access of this Website shall be subject to the qualification that nothing contained in any such exclusion or limitations or restrictions of liability shall operate to exclude or restrict any duty or liability of Warwick Financial Services Limited to any person which it has under the Financial Services and Marketing Act 2000 or its amendments.

15.4 The information, materials and functions contained in this website including text, graphics, links or other items are provided on an ‘as is’ basis excluding any warranty whatsoever, express or implied, including but not limited to warranties of satisfactory quality, fitness for a particular purpose or freedom from computer viruses. Warwick Financial Services Limited excludes any liability for any errors in or omissions from information, materials and functions included in this website or any third-party websites linked to or from this website.

16. Implementation of Policy
This policy shall be deemed effective as of 01/04/2021. No part of this policy shall have retroactive effect and shall thus apply only to matters occurring on or after this date.