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Terms Of Business

Fairloans.co.uk is a trading name of Fair Investment Company Limited, of 2 Portland Street, Clifton, Bristol, BS8 4JH and is authorised and regulated by the Financial Conduct Authority (FCA). Our FCA registration number is 192852. You can check that we are registered by checking the FCA website at www.FCA.org.uk or by writing to: The Financial Conduct Authority, 25 The North Colonnade, Canary Wharf, London, E14 5HS.

Our Service:

We offer a non-advisory service which provides customers with information to assist them in selecting products they feel are most appropriate for their needs. Nothing in the www.fairloans.co.uk website shall be deemed to constitute advice or a recommendation to purchase a particular product or service. If you are in any doubt as to the suitability of the product or service we suggest that you seek independent financial advice. When you use our service we will take this as acceptance and agreement of our terms, and you will be bound by them. We will not provide you with personal financial advice and therefore do not have a duty to ensure suitability. This means that you will not be entitled to compensation from us, if it is established that the service or product you select is not suitable. It is your responsibility to take into account your circumstances and objectives and make your own judgement as to suitability.

Fair Investment Company Limited effectively acts as an “introducer” and will introduce you to other companies who provide financial products and/or services. When acting in this capacity the terminology used will vary between companies but includes ‘intermediary’ and ‘financial adviser’, albeit on a non-advised basis in all circumstances.  The www.fairloans.co.uk website provides you with the opportunity of researching and selecting loan products over the Internet.

 Non-regulated products and services:

Please note that the FCA does not regulate all of the products featured on the website. For example, the FCA currently does not regulate commercial mortgages/finance, and some forms of buy to let mortgages and secured loans.

We are not authorised by the FCA to handle client money.  We never accept cheques made out to us unless it is in settlement of charges which you have agreed and confirmed to pay.  In addition, we do not accept or handle cash.

 Mode of Communication:

We will enter into communication with you through whatever means are convenient for you and for us, including telephone, email and other acceptable electronic communication methods.

 Data Protection:

Fair Investment Company Limited is registered under the Data Protection Act 1998.  We will use the information you provide to us to process your enquiry and provide you with information that we consider will be of interest to you. Processing includes obtaining, recording or holding information or data, transferring it to other companies associated with us, product providers, the FCA or any other statutory, governmental or regulatory body for legitimate purposes including, where relevant, to solicitors and/or other debt collection agencies for debt collection purposes and carrying out operations on the information or data.

Upon request, we will supply copies of entries in our records relating to your transactions. You may be charged a fee (subject to the statutory minimum) for supplying you with such data. We undertake to retain such records for at least six years (and many documents we retain for a significantly longer period) from the date of each transaction.  

If at any time you wish us or any company associated with us to cease processing your personal data or contacting you for marketing purposes, please contact The Data Protection Officer at our address

 Complaints:

If you wish to register a complaint, please write to the Compliance Officer at Fairloans.co.uk, C/O Fair Investment Company Limited, 2 Portland Street, Clifton, Bristol, BS8 4JH or contact us on 0117 933 5500.

If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service.

 Accuracy:

Whilst every attempt has been made to ensure that the information on the website and that which is being sent to you is correct and up to date, no warranty or representation is given as to its accuracy or reliability. Whilst the website covers a wide range of products, you should also be aware that there may be other products available on the market, which are not shown on the site, and which may or may not be more competitive.

 Links to other sites:

The www.fairloans.co.uk website contains links to other websites. Fair Investment Company cannot accept responsibility for any information given or advice provided by these other sites.

 UK Residents:

The Fairloans.co.uk (www.fairloans.co.uk) website is aimed at UK residents and those ordinarily resident only and the terms and conditions are governed by English Law.

C/O Fair Investment Company Limited, 2 Portland Street, Clifton, Bristol, BS8 4JH 

T 0117 933 5500  

E [email protected]  

Fair Investment Company Ltd is registered in England no. 3980180   V.A.T no. 814365927 Fair Investment Company Limited is authorised and regulated by the Financial Conduct Authority

Disclaimer and privacy

(a) Website Disclaimer

These Terms apply to your use of our website. If you are not over 18 or not living in the United Kingdom you will not be able to use this website and you should not attempt to make an application, although subject to your acceptance of these Terms you should feel free to browse. If you do not agree to be bound by the Terms set out below you should not use this website.

Definitions

The following words have the following meanings:

"Terms" means these terms and conditions;

"Product Provider" means any mortgage lender, broker and administration provider, bank, building society or any other financial institution;

"Us/Our" means Fairloans.co.uk which is a trading style of Fair Investment Company Limited;

"You" means the user of the website.

Copyright Trademark and site content

You acknowledge and accept that all copyright, trademarks and all other intellectual property rights in all material or content provided as part of the website belong to us, or a Product Provider. You may download material from this site for your own use only. No right, title or interest in any downloaded materials is transferred to you by such downloading.

Any other use of the material and content of the website is strictly prohibited and you agree not to copy, reproduce, transmit, publish, display, distribute, commercially exploit or create derivative works of such material except for the purpose of applying for shares or with our written consent.

Our Liability to you

While we will use all reasonable endeavours to ensure the accuracy of any information placed on the website, we make no representations or give any warranties of any kind with respect to this site or its contents and we disclaim all representations, except where fraudulently made, and warranties. In addition we make no representations or warranties about the accuracy or the information contained on this website. The information provided to you in connection with the products is provided by the Product Providers and you acknowledge that we have no liability to you with respect to the accuracy of such information. As we rely on information given to us by third parties there may be a time delay in keeping that information up to date. You should therefore check the accuracy of the information.

The website may only list the Product Providers with whom we have arrangements and may not cover all Product Providers in the market. These disclaimers do not attempt to disclaim liability for matters that cannot be excluded under any applicable English law or the rules of the Financial Conduct Authority.

We make no warranty that the website will meet your requirements or will be uninterrupted, timely, secure or error-free, that defects will be corrected, or that the site or the server that makes it available are free of viruses or bugs or represents the full functionality, accuracy or reliability of the materials. We will not be liable to you for any loss of content or material uploaded or transmitted through the website.

We cannot guarantee that a Product Provider will be able to provide a mortgage at any particular time. We do not accept any liability in the event of withdrawal of any offering of a mortgage or for rejection of your application by the Product Provider for any reason whatsoever.

Neither we, nor any of our directors, agents or employees will be liable for damages arising out of or in connection with your use of this site. This is a comprehensive limitation of liability that applies to all damages of any kind, including, without limitation, compensatory, direct, indirect or consequential damages, loss of data, income or profit, loss or damage to property and claims of third parties. We do not exclude any liability for death or personal injury resulting from our negligence or that of our directors, agents or employees.

This website is designed to provide you with general information only and does not attempt to give you advice on any particular investment or to recommend any particular investment to you. If you have any doubt as to whether a particular investment is suitable for you, you should contact an Independent Financial Adviser.

Indemnity

In using this website, we require that you abide by these Terms. If you fail to abide by them, and this failure causes us to suffer a claim, action, liability, or loss because of your failure to abide by these Terms, you agree to indemnify us, on demand, for all costs and expenses, including legal fees, which arise out of your failure to abide by these Terms.

Our Rights

We reserve the right at any time to modify or withdraw, temporarily or permanently, the website or any part of it without notice to you and we will not be liable to you in any way for any modification or withdrawal of the website. We also reserve the right to modify these Terms without reference to you.

We reserve the right at any time to refuse to process a transaction for any reason. We will not be liable to you or any third party by reason of our failing to process a transaction.

By making an enquiry for any mortgage product you expressly authorise us to transmit information or to obtain information about you from third parties from time to time, including but not limited to your credit reports, in order to authenticate your identity.

Third Party Links

In the event that there are third party links to other websites for your convenience, you acknowledge and agree that we are not responsible for the availability or functionality of such external sites. We do not endorse the content of any external sites and are not responsible or liable, directly or indirectly, for any loss however caused to you by your use of any external site.

Miscellaneous

The information on this website is for residents of the UK only.

We shall not be liable to you where performance of any of our obligations to you is prevented, frustrated or impeded by any circumstance or cause beyond our control.

If any part of these Terms is found to be unenforceable as a matter of law, all other parts of these Terms shall not be affected and shall remain in force.

These Terms shall be governed by and construed in accordance with English law and the English courts shall have jurisdiction over any disputes between us.

(b) Privacy Statement

Fair Investment Company Ltd takes the issue of privacy very seriously. This statement sets out our practice concerning data processing.

What data do we hold about You?

Fairloans.co.uk is a website provided by Fair Investment Company Limited ("FIC") to help you to select mortgage products to meet your individual needs. To do this we must obtain certain information from you about your personal and financial circumstances. The information that you give us will then be passed by us to potential mortgage providers or mortgage brokers who will use that information and respond with the terms they are prepared to offer.

How we use your data?

The nature of our service means that depending on the nature of your enquiry we have to share your personal data with our partners who provide the products and services that you request. For example if after using a comparative service on the website you wish to speak to a mortgage broker or request a financial product, we will pass on your relevant personal data to the partner concerned to fulfill your request.

If you have requested to receive our regular newsletter we may contact you by telephone or by email to inform you of products and services which may be of interest to you. If you wish to opt out of this direct marketing activity please contact [email protected] so that we may remove your personal details from the database.

What are "cookies" and how we use them?

For each new visitor to the website we automatically log certain information about how you are using our website. If your computer browser is set up to accept them, we use a feature known as a "cookie" which contains information that is stored on your computer hard drive for record keeping purposes. Cookies allow us to make our website more useful based on stored information about your preferences when you visit our website. If you do not wish for information to be recorded in this way, you are able to configure your browser to refuse cookies or to notify you when you have received one. You can do this for example on Internet Explorer by clicking "tools", go to "Internet Options", go to the "Privacy" tab and select "Block" for "first party cookies" and then "Block" again for "third party cookies" and un-check "always allow session cookies".

We use Google analytics to analyse visitor behaviour on our website. This analytical system generates data about visitor behaviour by using cookies which are stored on users' computers. The information generated relating to the use of our website is used to create reports that are used internally by the Company. Google stores this information. For further information about Google's privacy policy go to http://www.google.com/policies/privacy/ 

Where is your data stored?

Fair Investment Company Ltd is the registered data controller of your personal data for the purposes of the Data Protection Act 1998.

All personal data provided by you is held securely and in confidence by us in our computerized records. You have the right to inspect the data we hold about you at any time. If you wish to do so, please write to the Compliance officer at:

The Compliance Officer
Fair Investment Company Ltd
Kings House
14 Orchard Street
Bristol
BS1 5EH