Please read the details set out below carefully before using this website
("our Site"). By accessing our Site, you agree to accept and act in
accordance with the following terms and conditions (the "Terms"). If you do
not accept these Terms, please refrain from using our Site.
References to 'you', 'your' and 'yours' are references to the person(s)
accessing our Site and the party/ies represented by such person(s).
References to 'we', 'us' and 'our' are references to one2oneLoans.com
Use of Information
By checking the box and clicking the 'Submit Application' button you are
agreeing that a credit search may be undertaken for the purposes of
verifying identity and the details submitted, in line with regulatory
requirements.
You are also agreeing that your information may be shared with third parties
and you may be contacted by email, post, phone and SMS with regards to
alternative Unsecured/Secured Loans, Short Term Loan offers, IVA/Debt
Solutions, Car Finance and Business Loans.
Neither the information, nor any opinion contained in our Site constitutes
an offer or recommendation to enter into any financial transaction. Before
making any decision or taking any action that might affect your personal
finances or business, you should always consult a suitably qualified
professional advisor. The contents of any materials posted on this Site are
for information purposes only and do not constitute investment, financial or
professional advice and no reliance should be placed on them. Any figures
shown on this Site are subject to change
Information about us
Any information that you provide on this website is controlled by the
one2oneLoans.com which is registered as a data controller with the
Information Commissioner's Office in the United Kingdom under reference:
Z8061732.
one2one Loans is a trading style of OBI Finance Limited, Registered in England and Wales, Company Number: 09949399
OBI Finance Limited is a credit broker which is authorised and regulated by
the Financial Conduct Authority under Firm reference number 734768
If you have any queries about the information We hold about you, please
contact us at- support @ one2oneloans.com
All our products and services are subject to the terms and conditions of the
applicable agreement governing their use.
Accessing our Site
Access to our Site is permitted on a temporary basis and we reserve the
right to withdraw or amend the service we provide on our Site without
notice. From time to time we may restrict access to some parts of our Site,
or our entire Site, to users who have registered with us.
Users
Our Site and the information contained within it is intended for those who
access it from the United Kingdom. If you are viewing our Site from outside
the United Kingdom you should note that the information contained within it
may not be appropriate for use in other places and may not comply with the
laws of any territory outside the United Kingdom. If you choose to access
our Site from a country other than the United Kingdom you do so at your own
risk and you are responsible for compliance with local laws. You are wholly
responsible for your own use of our Site and the use of our Site by any
person using your computer and you must ensure that any such person complies
with these Terms.
To register with our lenders you must be over eighteen (18) years of age.
You must ensure that the details provided by you on completion of our
application form are correct and complete. You must inform us immediately of
any changes to the information that you provided when registering by
updating your personal details.
Our Site changes regularly
We are constantly changing and improving our services. We may add or remove
functionalities or features and we may suspend or stop a service altogether.
We aim to update our Site regularly and may change the content at any time.
Any of the material on our Site may be out of date at any given time and we
are under no obligation to update such material.
Our liability
These provisions should be read carefully as they exclude or limit our legal
liability in connection with your use of our Site. Nothing in these Terms
shall exclude liability that is not permissible under applicable law,
including without limitation, for death or personal injury, or for
fraudulent misrepresentation. These Terms do not apply to or affect our
liability to you in respect of any product or service you may obtain from us
using our Site and our liability to you in respect of such product or
service is governed by the relevant set of terms and conditions applicable
to such product or service. Whilst we have taken reasonable steps to ensure
the accuracy and completeness of the information contained in our Site we
accept no responsibility for your use of or inability to use or the results
of your use of our Site nor for any errors or omissions contained in our
Site nor if our Site is unavailable for any time or any period. We provide
the Site"as is". The use of our Site and the materials contained in it are
entirely at your own risk.
We shall not be responsible for any direct or indirect:
•financial losses (including without limitation loss of income, revenues,
data, profits, contracts, use, opportunity, business or anticipated
savings);
•loss of goodwill or reputation;
•any loss or damage we could not reasonably have expected to foresee or
reasonably have expected to occur,
•which you may suffer and which arises out of or in connection with any
errors or omissions contained in our Site or your use of or access to our
Site or your inability to use or the results of your use of our Site.
We shall not be responsible for the accuracy, functionality or performance
of any third party software that may be used in connection with our site.
Third party websites
Links contained in our Site might lead to other websites not under our
control, and we shall not be responsible for the content, privacy practices,
availability or use which you make of any linked site which is not operated
by us or any link contained in a linked site not operated by us. Links on
our Site are provided to you only as a convenience and we do not endorse or
review any pages linked to our Site. Accordingly, you should read the terms
and conditions of linked websites before using them and direct any questions
or comments about the linked website's contents to the relevant website
provider. You are not entitled (nor will you assist others)to set up links
from your own websites to our Site (whether by hypertext linking,
deep-linking, framing, toggling or otherwise) without our prior written
consent, which we may grant or withhold at our absolute discretion. You are
also not entitled to direct link (also known as "Hot Link") any images or
content without our prior written authorisation.
Transmission of information is at your risk
We cannot guarantee that the transmission of information or messages sent
over the internet is completely secure as there is a possibility of
interception at all times. Any transmission is at your own risk. We shall
not be responsible for any loss, damages or costs whatsoever which you
suffer or incur in connection with or arising out of any transmission of
information or message sent by you to us or by us to you over the internet
or the alteration, interception or misuse of such information. Once we have
received your information or message we will use strict procedures and
security features to try to prevent unauthorised access. It is your
responsibility to keep security information, such as PIN numbers or
passwords, secure at all times. We will never ask you for this information
and you should not disclose it to any third parties. If you receive any
email or other request for such information you should delete it immediately
and should not respond. If you think you may have disclosed any security
information you must advise us immediately.
Viruses, Hacking and Other Offences
You must not misuse our Site 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 Site, the
server on which our Site is stored or any server, computer or database
connected to our Site. You must not attack our Site via a denial-of-service
attack or a distributed denial-of service attack. By breaching this
provision, you would commit a criminal offence. We will report any such
breach to the relevant law enforcement authorities and will co-operate with
those authorities by disclosing your identity to them. In the event of such
a breach, your right to use our Site will cease immediately. We will not be
responsible 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 Site or to your downloading of any material
posted on it, or on any website linked to it.
Intellectual Property
All copyright, trademarks, logos, brands and all other intellectual property
rights in our Site and its content (including without limitation the pages,
screens, information and material) and all software and source codes
connected with our Site are owned by or licensed to one2oneLoans.com unless
otherwise noted. You may print, copy, download or temporarily store extracts
from our Site for your personal information or when you use our products and
services. You must not alter anything. Any other use is prohibited unless
you first get our written permission. You may not republish, retransmit,
redistribute, sell, modify or deal in any way with or otherwise make such
information or pages available to any other party or available on any
website, on-line service or bulletin board of your own or of any other party
or make the same available in hard copy or on any other media without our
express prior written consent.
Other than as provided above you may not use or reproduce our trademarks,
logos or brand names.
Governing law and disputes
These Terms and any dispute or claim arising out of or in connection with
them or your use of our Site (including non-contractual disputes or claims)
are governed by and interpreted in accordance with the laws of England. The
English courts will have non-exclusive jurisdiction over any dispute or
claim arising from or related to these Terms or your use of our Site
(including non-contractual disputes or claims) provided always that you may
bring any proceedings in your country of residence.
Information about you and your visits to our Site
Please read our privacy policy for information on how we collect and use
your personal information.
How to contact us
If you would like further information in connection with anything on our
Site or want to make a complaint, please contact us at-
support @ one2oneloans.com
Complaints Procedure
We value all of our Customers and we always aim to give our Customers
the best possible service.
If you feel that we haven't done this, or if you would like to complain
about the service you've received, or for any other reason, we'd welcome the
opportunity to make things right.
In the first instance, please email us at- Complaints @
one2oneLoans.com and we promise that we will do our best to help.
Alternatively, you can write us at the below address-
one2one Loans
Kemp House
160 City Road
London
Greater London
EC1V 2NX
Or send a fax- 0700 593 8779
To help us to investigate and resolve your concerns as quickly as possible,
you should in the first instance discuss the situation with your Adviser or
Processor.
It will help us to deal with your complaint quickly if you can provide the
following information:
* your full name and address and a daytime contact telephone number
* full details of your complaint
* your account details and any policy numbers as relevant
* details of what you would like us to do to put things right
1. We will try to resolve your complaint immediately; however, sometimes
this may not be possible. If we are unable to resolve your complaint by the
end of the next business day, we will acknowledge your complaint in writing
within five working days and provide details of the person who will be
dealing with your complaint.
2. We may ask you for further information to allow us to better understand
your concerns. Once we have completed our investigation we will tell you our
findings and, if appropriate, how we will put things right.
3. If we are unable to send a final response to your complaint within four
weeks we will write to you or telephone you explaining why we have not yet
resolved the complaint and indicating when we will contact you further. If
your complaint is particularly complicated, we will keep you informed of the
progress of our investigations.
4. If we are unable to provide a final response within eight weeks, we will
confirm this in writing and provide a timescale within which you can expect
a final response. If, at this time, you are dissatisfied with the delay, you
may refer your complaint to the Financial Ombudsman Service.
The Financial Ombudsman Service
If you are not satisfied with our final response, you have the right to
complain to the Financial Ombudsman Service, their contact details are
below. You must do this within six months of our final response.
When we send you our final response, we will also provide you with a copy of
the Financial Ombudsman Service's explanatory guide. Alternatively, you can
obtain a copy from:
Financial Ombudsman Service, Exchange Tower, London E14 9SR
www.financial-ombudsman.org.uk
Or by Calling: 0800 023 4 567 - calls to this number are now free on mobile
phones and landlines
Or 0300 123 9 123 - calls are charged at the same rates as 01/02 numbers on
mobile tariffs
Or +44 20 7964 0500 if you are calling from outside the UK
European Online Dispute Resolution Platform
In relation to your complaint you can also request a review from the
European Online Dispute Resolution platform:
www.ec.europa.eu/consumers/odr
one2one Loans is a licensed credit broker and not a bank. We do not charge
customers a fee for using our broker services.