We request that you read the following terms and conditions prior to using us to ensure you are satisfied with the service we can offer you. If you do use our website then you will be accepting our terms and conditions and agree to abide by them, in addition to this you will also be agreeing to use the service provided for lawful purposes.

About us

LoanPig is a registered Trading Name of The Money Hive Limited and is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register under reference number: 736632. The Money Hive Limited is registered in England and Wales (Company number 09932988), registered office; The Money Hive Ltd, 61 Mosley Street, Manchester, M2 3HZ. Licenced by the Information Commissioners Office, (registration number ZA208222).

Our service provided to you, our customer

LoanPig offers a service online to its customers. If you wish for us to provide you with our service then you will be entering into an agreement with us. Once the agreement has been entered into you will in turn be accepting our terms and conditions which relate to your agreement and also agreeing to abide by them. In turn we also acknowledge our own obligations to this agreement, by means of providing the service you require, this means we will provide the service to you the customer. As we will be providing a service to our customer we therefore have no obligation to another party, only our customer. Please also be aware that if a client uses our services on behalf of a third party our obligation will still be with you being our customer furthermore the terms and conditions will also relate to you our customer and not with any other third parties.

Our service limitations

LoanPig is not a lender and therefore will not provide finance directly to customers. We are a finance broker, we will find lenders and providers of financial services for you. Any examples of amounts available to borrow, terms (repayment periods) or rates stated on our website are purely given as a representative example relating to the product. These representative examples are stated to give our customers an understanding of the products available. Representative examples are not given as a figure of what our customers will actually be offered by the lender/finance provider, therefore cannot be given as a guarantee nor can they be used as any kind of warranty. As we do not provide the loan or financial service directly we are unable to control the representative rate examples contained on our website. Please also be aware that the decision to offer any short term loan or financial service is made by the lender or finance provider and The Money Hive Limited (and associated trading names) has no control over the decision making. The lender/finance provider will conduct an assessment on each customer before any decision or offer is made; this will include a full assessment of a customer credit history past and present.

Customer checks & referencing

LoanPig will not carry out any credit checks or referencing on any customer upon registering to our services, however, the finance providers/lenders may use credit scoring facilities and credit referencing agencies to determine how eligible the customer is when making an assessment on the customer. Credit checks and credit reference agencies can also help prevent fraudulent applications so we ask clients to agree to using data provided for the purpose of preventing fraud and ensuring the client’s identity is as claimed. Information provided by the client must always be true and accurate, as misleading information will be regarded as a breach of our terms and is likely to breach any agreement the client has entered into with the lenders and financiers we work alongside. Furthermore, misleading information may also result in the instigation of criminal procedures against the client. If the client has authorised any third parties to access the service on behalf of the client’s instructions issued by authorised third parties will be contractually binding on the client on whose behalf the third party is acting.

Information about you (including your visits to the website)

We will only process information about you in accordance with our privacy policy. When using our website you consent to processing your information and therefore warrant that all information/data provided by yourself is accurate and correct.

Communication

Unless the customer states otherwise we will contact the customer via means of telephone, SMS, post and email to provide information and alerts relating to our services and our associate companies.

Usage of our website Customer access

LoanPig reserves the right to amend or remove the service that we provide without giving any prior notice to do so. Customers may access our website on a temporary basis and we cannot be held liable if our website is unavailable to access for any given period of time. The responsibility lies with our customers to ensure that all parties who have access to our website via their internet connection are fully aware and abide by our terms and conditions. In addition to this, you are solely responsible to ensure that you have internet access to our website. We may update and change the content on our website at any time, if we are updating our website access may be suspended completely. As some of our material may require an update, there may be occasions where material is out of date, updating material is something we are not obliged to do.

Restricted access

Customers may experience restricted access to our website from time to time, either to the entire website or to some areas; this will apply to customers who have already registered with us. Unique user names/codes or passwords if supplied to customers for security purposes and in line with our procedures, must be kept strictly confidential and under no circumstances given or disclosed to any third parties. If we have reason to suspect that the aforementioned conditions have been breached or they have in fact been breached then we have the right to disable your unique username/codes or password as a consequence.

Intellectual property rights

The copyright and material on this website is owned by The Money Hive Limited and is protected by the copyright laws of the United Kingdom and such users will be entitled to copy any such information for their own personal use but may not republish, store or reproduce any such information in any manner, including but not limited to electronic reproduction, without the prior written consent of The Money Hive Limited. Any unauthorised downloading, retransmission, or other copying or modification of any of the contents of this website may be in breach of statutory or common law rights which could be the subject of legal action. The Money Hive Limited disclaims all liability which may result from any unauthorised reproduction or use of the information on this website.

Material used on website

All logos, names, images and information used on this website which are in regards or related to us are provided as is. Any other material or commentary material which has been posted on our website is not given to represent advice. Further to this we cannot and will not accept any responsibility or liability which has arisen from materials by any person who visits our site, the same applies to anyone who could have been informed of the content in question. Any information and articles that are used or contained in our website cannot be used as advice; it is purely as information and cannot be used as advice.

Website links from our site

Links contained within our website relating to third parties and other resources are provided for your information only. We do not accept any responsibility for them or for any loss or damage that may be caused by them due to your usage.

Liability

Any liability for any direct, indirect or consequential loss or damage incurred by any user in connection with our website or in connection with the use, inability to use, or result of the use of our website, any websites linked to it and any materials posted on it, including, without limitation any liability for loss of income or revenue, loss of business, loss of profits, or contracts, loss of anticipated savings, loss of data, loss of goodwill, wasted management or office time, and for any other loss or damage of any kind, however arising and whether caused by tort (including negligence) breach of contract or otherwise, even if foreseeable, provided that this condition shall not prevent claims for loss of or damage to your tangible property or any other claims for direct financial loss that are not excluded by any of the categories set out above. This does not affect our liability for death or personal injury arising from our negligence, or our liability for fraudulent misrepresentation or mispresentation as to a fundamental matter, or any other liability which cannot be excluded or limited under applicable law.

Exclusions

The obligations and responsibilities of any breach of contract of or by us does not extend beyond the agreement with our customer and does not include any obligation to a counterparty, intermediary, bank or to any other third parties that maybe connected to the customer. The customer will take full responsibility for any loss and or damage incurred by the provision of incorrect information or misleading information to us by the customer. Should the above occur and a loss arise due to us then there will be no liability held against us if this is caused by something beyond our reasonable control, including changes in the law or regulations affecting our normal operations. Apart from provisions expressly covering associate companies, nothing in these terms is enforceable by anyone who is not a party to them.

Viruses, hacking & other offences

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.

Laws applicable

Our terms and conditions and any dispute or claim which may arise from or is connected to them or their subject matter or formation (inc non-contractual disputes or claims) shall be governed by and construed in accordance with the laws of England and Wales or by Scottish Law, if you are resident in Scotland at the time of entering an agreement with us. The English courts, or Scottish courts if you are resident in Scotland at the time of entering an agreement with us, will have an exclusive jurisdiction over any claim arising from, or related to, a visit to our website, although we retain the right to bring proceedings against you for breach of these terms and conditions in your country of residence or any other relevant country.

If we make any changes to our Terms and Conditions

If we do make any changes to our terms and conditions, we will do so by posting the changes online. It is your responsibility to check this page frequently in order to take notice of any changes that may have occurred, as these changes will be binding to yourself. If you choose to continue to use our website after any changes have taken place, you will therefore be accepting our terms and conditions. In addition to the above, some of the provisions contained within the terms and conditions may also be superseded by provisions or notices that have been published elsewhere on our website.

Governing language

The governing language of this agreement and any communication that takes place between the customer and us will be the English language.

How to make a complaint

LoanPig will always aim to offer every customer an excellent experience, however, if you feel that we have not offered you a good service and you would like to make a complaint about the service, then please send your comments to;

Compliance Manager
The Money Hive Ltd
61 Mosley Street,
Manchester,
M2 3HZ

Or alternatively please email:
compliance@loanpig.co.uk

We will follow up on your complaint within 8 weeks of receipt of your complaint to us, if however, you feel dissatisfied with our response, you can then refer your complaint to the Financial Ombudsman

In writing to:
The Financial Ombudsman Service
Service Exchange Tower
London
E14 9SR

By email:
complaint.info@financial-ombudsman.org.uk

Or by phone:
0800 023 4 567 (calls to this number are now free on mobile phones and landlines)
0300 123 9 123 (calls to this number cost no more than calls to 01 and 02 numbers)

If you want the Financial Ombudsman to consider your complaint, you must send your complaint to them within 6 months of the date of our final response.

In relation to your complaint, you can also request a review from the European Online Dispute Resolution platform: http://ec.europa.eu/consumers/odr/