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Terms and Conditions

Greetings! Welcome to LendShop.co.uk

We advise you to carefully read and understand our terms and conditions before starting our services. The important things that you need to know about our services are explained in this section.

You accept our terms and conditions by using LendShop.co.uk website and accept to follow them. You agree to use our services in lawful manner and legal purposes only.

You are restricted to use our services if you do not agree to the following terms and conditions:

1. Who are we?

LendShop.co.uk is a registered trading name of Sunrise Money Limited, registered in England and Wales (Company number 11645880). Our registered office is located at 71-75 Shelton Street, London, Greater London, United Kingdom, WC2H 9JQ. LendShop.co.uk is a credit broker firm regulated and authorized by the FCA (Financial Conduct Authority). We entered on the Financial Services Register under reference number: 825959. Licensed by the Information Commissioners Office under registration number ZA503179.

2. Acceptance of Our Terms and Conditions

All the visitors and users of our website accept our terms and conditions, cookie policy, privacy policy and accept to abide by them.

You are advised to immediately stop using our website and services if you do not agree to our terms and conditions. We have the right to block your access to our website and services in case if you fail to follow our given terms and conditions.

We deal with our clients directly and do not have any obligation to any other party in any case. In case if you are accessing our website and services on behalf of a friend or colleague, our obligation remains with our clients. You are in agreement with us as per the terms and conditions and we are not liable to be connected with any other agent/s or parties.

3. Modifications to the Terms and Conditions

LendShop.co.uk reserves the right to amend its terms and conditions by modifying this page from time to time. The modifications of our terms and conditions will become effective as soon as they are updated on this website. You will be acceptable of our modifications in terms and conditions by continuing to use the website after modifications are made.

4. Our Services

LendShop.co.uk is not a direct lender of loans. Therefore, we do not provide financial services directly to our clients. We are providing an online platform for matching services of an online loans. LendShop.co.uk introduces you to the other broker and lenders of financial services. We do not charge anything from our clients for using our website and loan services. However, we are eligible to receive a commission from credit providers or lenders as they are working as “Our Partners”. Your application is forwarded to our Lenders and/or brokers in real-time for review. They decide if the application is accepted or rejected based on the lending criteria they use. If your application is accepted by any of the lenders, you will be directed to their website to proceed further. If a given lender is not available online, we will provide you with a screen that provides complete contact details about the lender that accepted your application.

Our clients are protected under the Consumer Credit Act 1974. Our partners are regulated and authorized by FCA.

If you need more information about the laws that protect you, you are advised to visit the Websites of Citizen Advice Bureau (www.citizensadvice.org.uk) and Trading Standards Institute (www.gov.uk/find-local-trading-standards-office)

5. Who Can Use Our Website?

In order to use our Website and Services, you need to ensure that you are a resident of the UK with a minimum of 18 years’ age. The website should only be visited for personal use and not commercial use. The use of illegal and fraudulent activities on our website is strictly not allowed.

In case if our website is being used on behalf of someone else, the visitors are responsible to make sure that they review and accept our terms and conditions. You confirm that you are authorized to provide information for someone else.

6. Our Communication

We are authorized to contact you via SMS, telephone, post, and email about our products and services. However, you have the right to tell us that you do not wish to be contacted in either of the ways. You are advised to review our privacy policy in order to get more information.

You will need to read and accept the policies of our partners once you are directed to contact them. We are not liable to forward you their terms and conditions. We are not responsible for the communication you have with our partners as you are advised to review their communication policies available on the websites.

7. References & Credit Checks

We might perform a soft credit search on you when you use our services for finding a lender, this soft search does not impact your credit score. There is a possibility that Our Partner/Lenders may take into account the use of agencies for credit reference to ensure that your profile complies with the eligibility criteria. The reference and credit check agencies are used for preventing any potential fraud applicant. When you accept our terms and conditions, you authorize our partners to use your personal information for identity verification and prevent fraud purposes. The Fraud Agency or Reference Agency may keep your information’s record.

You are accountable to ensure accurate and true information is provided by you. Any false or misleading information will be classified as a breach of our terms and condition. Furthermore, it will breach your agreement with the lenders. False or misleading information can cause criminal procedures and instigation against you.

8. Rights of Intellectual Property

LendShop.co.uk is the licensee or the owner for the rights of intellectual property on this website and all the content that is published on the site. All of our work is protected by global treaties and copyright laws. LendShop.co.uk reserved all such rights.

Visitors are allowed to print or download one or more page(s) from the LendShop.co.uk website for their personal use and can be used for creating awareness about our services to others. However, you are not allowed to modify digital copies or printed papers in any way. You are also restricted to take into account the use of video, photos, illustrations and graphics from our website as we reserve the rights for it. In case if you wish to use our content for reference purposes, you will need to acknowledge our website in an appropriate manner.

9. External Links in Our Website

If you use any of the weblinks from our website or leave our website for completing an application from our partners, you are strictly advised to read, understand and accept the terms and conditions of the website you are directed to. The external links in our website are provided to facilitate you, therefore, we have no control or accountability over the third-party resources and websites.

10. Your Information and Visit to LendShop.co.uk

Your personal information is taken into use by following our privacy policy. You allow us to use your information as per the privacy policy once you are visiting our website. We always provide accurate and true information on our website that is not misleading. If we are aware of any error in the website’s website information, we modify and fix it on priority. LendShop.co.uk does not guarantee accuracy or errors within the website due to the possibility of human errors.

11. Financial Information

We do not provide financial advice to visitors or clients. Our services are limited to introducing you to our partners that are lenders of financial services. You will need to contact a qualified and registered Financial Adviser if you need financial advice as we do not provide that service.

12. Our Liability

LendShop.co.uk is not accountable or liable for any potential loss for visitors and clients in the following scenarios:

The above policies do not impact our liability for personal injury or death caused by our negligence. It also does not impact our liability for misrepresentation or fraudulent misrepresentation for fraud matters. Our liability includes but is not limited to the laws of FSMA (Financial Service and Market Act 2000).

13. Cyber Crime

Visitors are restricted from misuse LendShop.co.uk website by intentionally putting trojans, viruses, logic bombs worms or any other hacking, viruses or other offenses. Any attempt to gain control of the website, website’s server, database and computers of LendShop.co.uk will fall under cyber crime and should not be attempted. Anyone who attempts to do so will fall under the Computer Misuse Act 1990’s criminal offence. Such attempts will immediately be reported to the relevant authorities responsible for law enforcement. Your identity will be disclosed to the authorities for further proceedings. Your right to use our services will immediately be ceased.

We are not liable for any damage or loss caused by cyber attack or technological problems that may harm your device, program or data because of using our website. This website is owned by Pride Loan and we reserve complete rights.

14. Applicable Legal System

As we are a UK based service provider, our terms and conditions are governed by the English Law including the access and use of the LendShop.co.uk website. You accept our terms and conditions based on the jurisdiction of England and Wale’s courts.

15. General Agreement

English (UK) is the language used for the agreement of LendShop.co.uk with its customers and the same language will be used for future communications. If any particular point of our terms and conditions is found to be void or unlawful, it will be deleted from our website and should not impact the other terms and conditions.

16. How to Reach Us

If a visitor has any queries or questions about anything related to our website or services, we can be contacted by email by clicking here to submit a contact request.

You may also contact us by post:

Sunrise Money Limited

71-75 Shelton Street,

London,

Greater London,

The United Kingdom,

WC2H 9JQ

Last updated: 30/01/2020

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