Terms of Website Use

This page (together with the documents referred to on it) tells you of the terms of use on which you may make use of our website www.choicehomeownerloans.co.uk (our site) whether as a guest or a registered user. Please read these terms of use carefully before you start to use the site. By using our site, you indicate that you accept these terms of use and you agree to abide by them. If you do not agree to these terms of use, please refrain from using our site.

Information about us

Choicehomeownerloans.co.uk is a trading style of Sparky Media PC. Sparky Media is a limited company registered in Jersey. Registered number: 124319. Registered Address: PO Box 264, Forum Four, Grenville Street, St. Helier, Jersey, JE4 8TQ Sparky Media PC, Data Protection Number ZA450582, Sparky Media PC FCA Registration Number:791862. Sparky Media PC is an Appointed Representative of firm registration number 774068 who is authorised and regulated by the Financial Conduct Authority (FCA). Jersey Company Number 121749.

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 to our site without notice (see below). We will not be liable if, for any reason, our site is unavailable at any time for any period. From time to time we may restrict access to some parts of our site to users who have registered with us. We have the right to access to the site, if, in our opinion, you have failed to comply with any of the provisions of these terms of use.

Reliance on information

Commentary and other materials posted on our site are not intended to amount to advice on which reliance should be placed. We therefore disclaim all liability and responsibility arising from any reliance placed on such materials by any visitor to our site, or by anyone who may be informed of any of its contents. Content and information supplied by third parties other than Sparky Media PC is identified clearly where it appears. We will publish this content as supplied to us and we are not responsible for its accuracy or timeliness. You must take appropriate steps to verify this information before acting upon it.

Our Service is Free

We are a specialist FCA authorised marketing firm and we help find the most appropriate partner for your needs, in some cases, we may be paid a fee for referring you to a broker partner, lender or product provider and/or in some cases we may be paid a small commission if you take a product or service with the partner we have referred you to.  Some of the referral partners may be group companies and in those cases, we are not always paid a referral fee or commission. You are never charged directly for using our service and you may also not be charged by the referral partner (depending on the product and/or individual circumstances, if you are it will be declared verbally and in any documentation, you are also not obliged in any way to transact with the referral partner).  All our referral partners are vetted by us and must uphold excellent standards of client care. We only work with FCA authorised partners who have to uphold UK legal standards of practice and cannot charge unreasonable fees for the work they may have to do on your behalf. Again you are under no obligation to transact with them.

Our liability

The material displayed on our site, is provided without any guarantees, conditions or warranties as to its accuracy. To the extent permitted by law, we, other members of our group of companies and third parties connected to us hereby exclude: All conditions, warranties and other terms which might otherwise be implied by statute, common law or law of equity. Any liability for any direct, indirect or consequential loss or damage incurred by any user in connection with our site or in connection with the use, inability to use or results of the use of our site, any websites linked to it and any materials posted on it, including, without limitation liability for: · Loss of income or revenue · Loss of business · Loss of profits or contracts · Loss of anticipated savings · Loss of data · Loss of goodwill · Wasted management or office time For any other loss or damage of any kind, howsoever arising and whether caused by torte (including negligence), breach of contract or otherwise, even if foreseeable. This does not affect our liability which cannot be excluded or limited under applicable law.

Intellectual property rights

We own the copyright in the content published on the website except where otherwise indicated by a third party’s proprietary notice. Images, trademarks and brands are also protected by other intellectual property laws and may not be reproduced or appropriated in any manner without written permission of their respective owners unless specifically prohibited by a notice published on any page, you may make a print copy of such parts of the website as you may reasonably require for your own personal use provided that any copy has attached to it any relevant proprietary notices and/or disclaimers. All other use is prohibited.

Transactions concluded through our site

Contracts for the supply of services or information formed through our site or as a result of visits made by you are governed by any specific terms and conditions of supply relating to the particular service or information supplied.

Information about you and your visits to our site

We process information about you in accordance with our privacy policy. By using our site, you consent to such processing and you warrant that all data provided by you is accurate.

Testimonials

Identities and images shown with testimonials may have been changed to protect the privacy of the individuals. All comments within any testimonials used have been used with the permission of the individual clients who gave them.

Links from our site

Where our site contains links to other sites and resources provided by third parties, these links are provided for your information only. We have no control over the contents of those sites or resources and accept no responsibility for them or for any loss or damage that may arise from your use of them.

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 under the Computer Misuse Act 1990, we will report any such breach to the relevant law enforcement authorities and we 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 liable 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 programmes, data or other proprietary material due to your use of our site or to your downloading of any material posted on it, or any website linked to it.

Our Partners

We work with the following finance providers

• Fluent Money
• Friends Capital
• Norton Finance
• Freedom Finance
• 1st Stop Group
• Accepted Money
• The Loans Engine
• Your Mortgage Decisions

Credit Checks

To process your application, we may search for your details on licensed Credit Agencies. These agencies will keep a record of this search confirming your details and the reason why the search was carried out. This record may be used by other lenders to assess any further applications for finance you may make in the future. They will do this to make a lending decision and for fraud prevention. These searches can also be used to prevent financial crime and to trace people with outstanding debt. Be advised that information held by Credit Agencies may be linked to members of your household or partners past and present. Your application may be looked at as if you are financially connected to these individuals as associated records. If, as part of this application, a Lender Decision in Principle is requested the Lender would conduct a soft or hard credit search on all applicants. This may leave a mark on each individuals credit file that can have a negative on overall credit scores. It is important that the information you provide is honest and correct. The information must provide a complete picture of your current circumstances. You are responsible for the information provided, as all recommendations made for products or services are done so based on this. If incorrect information is given the provider or lender may invalidate your application. Providing incorrect or false information, or if there is a reasonable suspicion of a criminal offence or fraud is identified the details will be shared with the relevant fraud prevention agencies, regulatory bodies and law enforcement agencies. Organisations other than ourselves may also access any information recorded by the agencies listed above to prevent fraud and money laundering. Examples of when this could happen are:

• Checking application details for credit or credit related facilities
• Managing existing credit and credit related accounts
• Debt management and recovery
• Checks of job applicants and current employees

We ensure that all transactions relating to our services are covered by and adhere to Money Laundering regulations and the Proceeds of Crime Act. We are responsible for the verification of identity and address of our clients along with other checks. These checks may include searches via the Electronic Identification and Verification Service, as well electronic checks of the electoral roll and use of credit reference agencies. We may also require proof of your income and expenditure to meet regulatory guidelines. Loan Quotes At all times we take care to ensure the accuracy of all loan quotes provided. Loan quotes are generated on the latest information from the lenders at the time they are generated. Please be advised that lenders on our panel reserve the right to amend or change %APR or % APRC rates and the criteria by which applications are underwritten at any time without notice. This can result in a change to the secured loan that you have been offered and may result in the secured loan offer being withdrawn. Any processing time periods offered from submitting an application or receiving your secured loan funds are only a guide. Delays can occur if documentation requested of yourself or a third party are not provided in a timely manner. It is also important that you remember that if you are consolidating existing borrowing you may reduce your monthly outgoings, but you may also be extending the term of the debt and increasing the total amount payable. As with any lending it is important that you keep up the repayments. Failure to do so could lead to defaults, CCJ’s and bankruptcy. This would affect your ability to obtain credit in the future. Using the information you provide we will place you with the partner that best suits your needs. We do not charge you for this service as we are paid a fee by the partner we place you with. Each partner has a range of products they can offer you and will work to find the best loan to suit your individual circumstances. You are not obliged to take any product that is offered. The Partner that you are passed to will have their own set of Terms and Conditions which we recommend you read.

Our site changes regularly

We aim to update our site regularly and change the content at any time. If the need arises, we may suspend access to our site, or close it indefinitely. 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.

Revision of terms

We may revise these terms of use at any time by amending this page. You are expected to check this page from time to time to take notice of any changes we have made, as they are binding on you. Some of the provisions contained in these terms of use may also be superseded by provisions or notices published elsewhere on our site. The Jersey courts will have exclusive jurisdiction over any claim arising from, or relating to, a visit to our site. These terms of use are governed by Jersey Law.

Contact us

By post:

Sparky Media PC

PO Box 264

Forum Four

Grenville Street St.

Helier Jersey JE4 8TQ

By email:[email protected]

We will try to reply to your email address unless we need to refer to confidential information or enclose copies of important documents, in which case we will contact you by post.