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Best4Loans Website and Portal Terms of Use

The use of the Best4Loans.com website is subject to the terms of use as set out below. Please take a moment to read these terms and conditions carefully. By using or accessing any of the Best4Loans.com website, ‘You’ agree to be bound by the following terms of use.

Copyright

The copyright and material on this website is owned by Best 4 Loans limited and is protected by the copyright laws of the United Kingdom. The material on this website may only be used by those who access it from 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 Best4Loans. 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. Best 4 Loans Limited disclaims all liability which may result from any unauthorised reproduction or use of the information on this website.

Trade Mark

The Best4Loans.com name is a registered trademark of Best 4 Loans Ltd. Certain names, words, titles, phrases, logos, icons, graphics or designs to the pages of this website may constitute trade names or unregistered trademarks of Best 4 Loans Ltd. The display of any of the above trade names or trade marks on pages of this website does not imply that any licence has been granted to any third party in respect of the same. All other product or company names and devices, logos, icons, graphics or designs referred to on the pages of this website are the trademarks of their respective owners and are exhibited only in such a manner as is intended to be for the benefit of such trade mark owners and Best4Loans.com intends no infringement of such trade marks. The appearance or absence of products, services, companies, organisations, home pages or other websites on this website does not imply any endorsement or non-endorsement thereof by Best4Loans.com. All rights not expressly granted herein are reserved by Best 4 Loans Ltd.

Liability

Best4Loans.com shall not be liable for any direct or indirect, special, incidental or consequential damages, including the loss of profits, business revenue or goodwill arising from the use or access of or inability to use or access, interruption or availability of this website, its operation or transmission, computer viruses, loss of data or otherwise in respect of its use.

Any exclusions or limitations or restrictions of liability contained in these terms and conditions of use and access of this website shall be subject to the qualification that nothing contained in any such exclusion or limitations or restrictions of liability shall operate to exclude or restrict any duty or liability of Best4Loans.com to any person which it has under the Financial Services and Markets Act 2000 or its amendments.

Warranties

The information, materials and functions contained in this website including text, graphics, links or other items are provided on an "as is" basis excluding any warranty whatsoever, express or implied, including but not limited to warranties of satisfactory quality, fitness for a particular purpose or freedom from computer viruses. Best4Loans.com excludes any liability for any errors in or omissions from information, materials and functions included in this website or any third party websites linked to or from this website.

Jurisdiction

This website is intended to be accessed only by persons located in the UK and Best4Loans.com makes no representation that any information, materials or functions included in this website are appropriate for use in any other jurisdiction. However, if ‘You’ are unsure whether the products and services referred to on this website are available to ‘You’, please write to us at: Best4Loans.com, Third Floor, Dale House, Stockport, SK1 1TB.

Personal Data and Privacy Policy

As the Internet is not a secure medium of communication, Best4Loans.com cannot guarantee the security of any information ‘You’ input on this Website or send to us on the Internet. Best4Loans.com is not, and will not be, responsible for any damages ‘You’ or others may suffer as a result of the loss of confidentiality of any such information.

To minimise the possible risks associated with the provision of personal data, every on-line application on this Website is encrypted using 128-bit encryption. This ensures information is virtually impossible for anyone else to read unless they have the 'key' or password. A secure communications link, called a Secure Socket Layer (SSL), encrypts all the information passed between ‘Your’ browser and Best4Loans.com online applications.

By agreeing to these terms and conditions ‘We’ may contact ‘You’ about services or products offered by us or other companies in ‘Our’ group or approved by us which ‘We’ believe ‘You’ may be interested in, or to carry out market research about ‘Our’ services or products or those of third parties. ‘We’ may also pass information to other companies approved by us so that they may contact ‘You’ about services or products which they believe ‘You’ may be interested in.

Contact for these purposes may be by post, email, SMS or by other means as ‘We’ may agree with ‘You’ from time to time. This will override any registrations ‘You’ may have with any preference services. If ‘You’ do not wish to receive on-going contact from us please send a request in writing to : www.Best4Loans.com, Third Floor, Dale House, Stockport, SK1 1TB.

Web Links

The provision by Best4Loans.com of a link to another Website does not constitute any authorisation by Best4Loans.com to the user to access material held at that location, nor is it evidence of any endorsement by Best4Loans.com of the material held there. Best4Loans.com accepts no responsibility or liability for the privacy of ‘Your’ personal information on such Websites, as these are beyond ‘Our’ control. Best4Loans.com will accept no responsibility or liability in respect of any materials on any Website which is not under its control.

Website Problems

This Website has been extensively tested and should work properly at all times. However, if ‘You’ experience a problem at any time, please return to the homepage and try again. If the problem persists ‘You’ can contact us by following the link on the 'Contact Us' page.

Information

Information provided in this Website is believed to be reliable when posted. However, Best4Loans.com cannot guarantee that information will be accurate, complete and current at all times. All information on this Website is subject to modification from time to time without notice.

Governing Laws

The terms and conditions of use of this Website shall be governed by and construed in accordance with the laws of England and Wales.

Enforceability

In the event any provision of these terms and conditions of use and access to this Website is held unenforceable, it will not affect the validity and enforceability of the remaining provisions and will be replaced by an enforceable provision that comes the closest to the intention underlying the unenforceable provision.

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Secured Loan

- based on borrowing £15,000 over 10 years
Loan Amount: £15,000 Broker Fee: £1275
Lender Fee: £525 Interest: £12,897.60
Total Repayable: £29,697.60 Monthly Payment: £247.48
Representative APR: 16.8% variable

Secured Loan

- based on borrowing £15,000 over 10 years
Loan Amount: £15,000 Broker Fee: £1275
Lender Fee: £525 Interest: £12,897.60
Total Repayable: £29,697.60 Monthly Payment: £247.48
Representative APR: 16.8% variable

Unsecured Loan

- based on borrowing £5,000 over 4 years
Loan Amount: £5,000 Interest: £6,624.64
Total Repayable: £11,624.64 Monthly Payment: £242.18
Representative APR: 49.9% variable

Payday Loan

- based on borrowing £100 for 28 days
Loan Amount: £100 Transmission Fee: £5
Amount of Credit: £105 Interest*: £26.25
Total Repayable: £131.25 Representative APR: 3372%
*Interest on payday loan is fixed at 25% of the amount of credit owed until your next calendar month pay day irrespective of the loan term.

Secured Loan

- based on borrowing £15,000 over 10 years
Loan Amount: £15,000 Broker Fee: £1275
Lender Fee: £525 Interest: £12,897.60
Total Repayable: £29,697.60 Monthly Payment: £247.48
Representative APR: 16.8% variable

Unsecured Loan

- based on borrowing £5,000 over 4 years
Loan Amount: £5,000 Interest: £6,624.64
Total Repayable: £11,624.64 Monthly Payment: £242.18
Representative APR: 49.9% variable

Payday Loan

- based on borrowing £100 for 28 days
Loan Amount: £100 Transmission Fee: £5
Amount of Credit: £105 Interest*: £26.25
Total Repayable: £131.25 Representative APR: 3372%
*Interest on payday loan is fixed at 25% of the amount of credit owed until your next calendar month pay day irrespective of the loan term.

BEST4LOANS LIMITED ARE A LICENSED CREDIT BROKER AND NOT A LENDER. PLEASE NOTE THAT ALL LOANS ARE SUBJECT TO LENDERS ASSESSMENT AND APPROVAL.

REPRESENTATIVE RATES FROM 9.9% APR TO 3,342 % APR VARIABLE FOR UNSECURED CREDIT (REPRESENTATIVE APR 49.9%). PLEASE NOTE ALL RATES VARY SUBJECT TO LOAN AMOUNT, LOAN TYPE AND LENDERS STATUS. IF YOU ARE THINKING OF CONSOLIDATING EXISTING BORROWING YOU SHOULD BE AWARE THAT YOU MAY BE EXTENDING THE TERMS OF THE DEBT AND INCREASING THE TOTAL AMOUNT YOU REPAY.

Secured Loan Representative Example: Based on borrowing £15,000 over 10 years



Unsecured Loan Representative Example: Based on borrowing £5,000 over 4 years


Payday Loan Representative Example: Based on borrowing £100 for 28 days



*Interest on payday loan is usually fixed at 25% of the amount of credit owed until your next calendar month pay day irrespective of the loan term.

IF YOU ARE A HOMEOWNER AND APPLY FOR A SECURED LOAN THIS MAY BE SECURED ON YOUR HOME. THINK CAREFULLY BEFORE SECURING ANY 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.

WARNING - LATE REPAYMENTS CAN CAUSE YOU SERIOUS MONEY PROBLEMS. FOR HELP GO TO MONEYADVICESERVICE.ORG.UK.

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