Loan Terms

Instant Loan Services strongly advises you to read the terms and conditions of any financial product carefully and if you are in any doubt as to its meaning or effect that you seek qualified independent financial advice.

No financial information featured on the Instant Loan Services website or accessed by you as a result of a link displayed on the website is intended or considered to be financial advice offered by Instant Loan Services.

Instant Loan Services is a company engaged in the marketing and supply of third party information relating to the finance industry including loans, life assurance policies, mortgages and insurance.

Instant Loan Services is not authorised by the Financial Services Authority in relation to the supply of advice in relation to financial products.

Instant Loan Services cannot accept any responsibility for any issues arising as a result of your communication or contract with any third party present on the website. Many third party service providers will request that you are subject to their terms and conditions.

Those terms are entirely separate to these Instant Loan Services Terms.
Before you enter into any agreement with a third party we recommend that you read their terms very carefully and seek independent advice where necessary.
Instant Loan Services may receive commission or fees as a result of your use of the services of third party providers featured on the Website.

We do not charge you for the services that we offer. These commissions or fees do not indicate an agency relationship between Instant Loan Services and third party financial product or service providers or any involvement in any contract that you form with that third party provider. To the extent permitted by law Instant Loan Services excludes liability for an inaccuracies present on the Website.

Intellectual Property Rights, Copyright and Trade Marks

You MAY download and use the Instant Loans Services website for your private, non-commercial, personal use only, provided that you retain all copyright notices and other proprietary notices contained on the website. You may not sub license or deal in this right without Instant Loan Services' prior written permission. All copyright, design rights, database right, patents, and any rights to inventions, know-how, trade and business names, trade secrets and trade marks (whether registered or unregistered) and any applications therefore (“Intellectual Property Rights”) in the website belong to and vest in Instant Loan Services, or are licensed to Instant Loan Services unless otherwise specified. All such rights of Instant Loan Services are hereby asserted and reserved. No person other than the rightful owner or licensee of such Intellectual Property Rights may:

- hack, attempt to hack, distribute, modify, transmit, re-use, re-post, or use any or all of the Website or the information contained therein for any purpose other than as set out above nor for public or commercial purposes without Instant Loan Services’ or the relevant licensee’s prior written permission;
- provide hypertext links, URL Links, graphic links, hyperlinks or other direct connection for profit or gain to the Website without Instant Loan Services’ prior written permission;
- display, publish, copy, print, post or otherwise use the Website and the information contained therein for the benefit of any other website without Instant Loan Services’ or the relevant licensee’s prior written permission;
- process or otherwise use the information contained on or within the Website for any illegal or immoral purpose nor use or process the same unfairly.

Liability

Instant Loan Services provides and maintains the website for personal information and community purposes, on an “as is” basis. Instant Loan Services shall be held liable only to provide its services with reasonable skill and care and gives no other warranty in connection with the website. Subject as aforesaid, to the maximum extent permitted by law, Instant Loan Services excludes liability for any loss or damage of any kind howsoever arising, including without limitation any direct, indirect, punitive or consequential loss whether or not such arises out of any problem you notify to Instant Loan Service and Instant Loan Services shall have no liability to pay any money by way of compensation, including without limitation all liability in relation to:

- any incorrect or inaccurate information on the website and all interruptions to or delays in updating the service;
- the infringement by any person of any Intellectual Property Rights of any third party caused by their use of the website;
- any amount or kind of loss or damage due to viruses or other malicious software that may infect a user's computer equipment, software, data or other property caused by persons accessing, using or downloading the Website, or from transmissions via emails or attachments received from Instant Loan Services or its licensees;
- the availability, quality, content or nature of the other sites on the internet that are owned and operated by third parties ("External Sites") to which the website link and web site located on or through any External Site nor for any transactions involving External Sites (including as to 'cookies', personal data, confidential information, or purchases of domain names or other services). You should contact the site administrator or webmaster for those External Sites if you have any concerns regarding such links, web site or transactions;
- all representations, warranties, conditions and other terms which but for this notice would have effect. These terms above shall not limit any rights you might have as a consumer that may not be excluded under applicable law nor shall it exclude or limit Instant Loan Services’ liability for death or personal injury resulting from neither its negligence nor any fraudulent representation. Instant Loan Services have used all reasonable efforts to ensure that all information provided by it is accurate and accords with current standards however it cannot account for the accuracy of information posted on the website.

It is agreed, acknowledged and understood that:

- The Website and all the services contained within are is provided for information only and are not intended to replace appropriate financial advice where required;
- Financial advice and the financial markets are constantly evolving and Instant Loan Services cannot guarantee that all of the information is completely accurate. Use of the Website Website is to be used solely for private, non-commercial, personal purposes only. Accordingly, you undertake not to:
- use the Website for any commercial or business purpose;
- use your access to the Website, or information gathered from it, for the sending of unsolicited bulk email.

Termination

Instant Loan Services shall be entitled to terminate this Agreement and immediately remove, cancel or suspend access to and use of the website upon your breach of any part of these Terms whatsoever. Termination shall be without prejudice to the accrued rights of either party. Instant Loan Services will not be liable in any amount for failure to perform any obligation under this agreement if such failure is caused by the occurrence of any unforeseen contingency beyond the reasonable control of such party including without limitation Internet outages, communications outages, fire, flood, war or act of God.

General

Except as provided above there are no other warranties, conditions or other terms, express or implied, statutory or otherwise, and all such terms are hereby excluded to the maximum extent permitted by law (but subject to your statutory and common law consumer rights). Instant Loan Services acts as principal on its own account and not as agent for you or any other person. If Instant Loan Services does not enforce any provision of this agreement such will not be considered a waiver of any provision or right. In the event that any part of these terms and conditions is held to be unenforceable, such part will at Instant Loan Services' option be construed as far as possible to reflect the parties’ intentions and the remainder of the provisions will remain in full force and effect. These terms and conditions constitute the entire agreement between you and Instant Loan Services and shall apply to the exclusion of all other terms or conditions of contract which you may purport to propose. Use of Instant Loan Services and these terms are subject to the laws of England which shall exclusively govern the interpretation, application and effect of all the above permissions, exclusions, licenses and conditions of use and shall be construed in accordance with the laws of England and the parties submit to the exclusive jurisdiction of the English courts. It is hereby asserted that the website is intended for and directed at the UK and no representation or warranty is made as to whether the website complies with the regulatory regime and local laws of any other countries.

The Website

Instant Loan Services is engaged in the business of providing an information service and ancillary to this is engaged in the transmission, storage, retrieval, hosting, formatting or translation of third party communications without selection or alteration of the content of the communication for which it is a mere conduit. You agree and accept that Instant Loan Services has no responsibility to review the content of the Communications on the Website all of which are made available on the basis that Instant Loan Services shall not be required to exercise any control or judgment of the content or the material posted or contained therein. Third party websites with links from the website have not been verified or reviewed by Instant Loan Services and use and access of such third party websites is made at your own risk. You acknowledge and agree that Instant Loan Services does not act in any way as your agent or as the agent for any of the third party companies and services featured on the website. Any username and password issued to you is personal to you in order to facilitate your access to the website and shall not be disclosed to any third party without Instant Loan Services’ prior written consent. All email communications sent by Instant Loan Services and attachments thereto are intended only for the addressee and/or others authorized to receive them. Instant Loan Services makes no warranties nor can it assume any responsibility for:

- the accuracy, completeness, fitness for purpose or currency of the content of any third party material featured on the Website (whether or not this information is identified by Instant Loan Services as being from a third party)
- the quality of service offered by any third party featured on the Website
- the content of any third party website that links from the Website

WARNING: THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT. LOANS ARE SECURED ON YOUR HOME.

Privacy Policy

Instant Loan Services makes a commitment to protecting your privacy and promises only to use information collected about you in accordance with the Data Protection Act 1998 and the European Directive on Privacy and Electronic Communications (2002/58/EC). When you register with our website, we may ask you for certain information and you may submit personal data to Instant Loan Services(for example your name, phone number, postal address, email address, contact and certain financial information). We may also record which products you are interested in and which links you pursue as well as customer traffic patterns and site use. This information will be kept securely in accordance with our internal security policy and may be used to:

- process your application;
- provide you with an up to date, efficient, and reliable service;

By submitting your data you agree to this use. We will never collect sensitive information about you without your explicit consent. An example of sensitive information would be your religion or a medical condition. You undertake that all information that you provide is accurate and current. Instant Loan Services may use the information or parts of it to notify you about features and/or events or related activities that you may find useful. Third party providers using the site may access traffic usage patterns but your personal use or information will not be identifiable unless it is with specific regard to an Order/Application. From time to time Instant Loan Services may share this data with other reputable companies both within and outside the European Union who, together with Instant Loan Services or not, may use the information or parts of it to occasionally notify you about Instant Loan Services events or related activities that you may find useful. If you do not want Instant Loan Services to collect or process your personal data, please do not submit it.

Cookies

Cookies are the means by which information relating to your Internet activity (such as whether you have visited an Instant Loan Services website before) is recorded on your hard drive and used by us to improve the Instant Loan Services websites and the products and services available to you. If you do not wish for us to use cookies when you use this site please adjust your Internet browser settings to not accept cookies. Your computer’s help file should tell you how to do this. Alternatively visit www.dma.org.uk for information on how to do this.

WARNING: THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT. LOANS ARE SECURED ON YOUR HOME.