Terms and Conditions

Terms & Conditions

This page sets out the terms under which UK consumers ("you") may use our website, www.cheaploans.co.uk ("website" and "our website") which is owned and operated by BEY Capital Limited ("we" and "us"). Please take time to read and consider these terms before you make use of our website. If you do not agree with these terms, if you are under 18, or if you are not a resident of the UK, do not use this website. By using our website, you are indicating to us that you accept these terms.

The Nature of Our Site

We aim to be able to provide you with uninterrupted and unhindered access to our website and the content there in, but we can make no promises. We reserve the right to terminate, suspend or restrict your access to our website at any time. Our website is subject to change and for this reason, content on the site will also change and without warning to you, the consumer.

Occasionally, we may feel it necessary to change or amend these terms of use. Please refer back to this page on a regular basis to check for any changes as we will assume that you have read and are aware of these changes before you choose to use the services provided on this website. These terms and conditions were last updated on 10th April 2008.

Intellectual Property Rights

We own and are licensee of all intellectual property rights in our website. This includes our website, together with the website design, text and graphics, and their selection and arrangement, and all software compilations, underlying source code and software. All rights are reserved. None of this material may be reproduced or redistributed without our prior written permission. You may, however, download or print a single copy for your own non-commercial off-line viewing. You shall retain ownership of the data you submit to our website.

Disclaimer

Nothing within this website is, or shall be deemed to constitute financial or other advice or a recommendation to purchase any product or service. Any and all information provided within the website is for general information purposes only. We strongly recommend that independent professional advice is sought before you purchase any product and/or service via our website.

Our Liability

We use reasonable endeavours to ensure that the data on our website is accurate and to correct any errors or omissions as soon as practicable after being notified of them. However, we do not guarantee that our website will be fault free, and we do not accept liability for any errors or omissions.

We provide and maintain the Website for personal information and community purposes, on an "as is" basis and we shall be 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, we exclude 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 us and we 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 BEY Capital Limited or its licensees;
all representations, warranties, conditions and other terms which but for this notice would have effect.

These terms 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 BEY Capital Limited liability for death or personal injury resulting from its negligence nor any fraudulent representation.
We 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 by users of the Website.

We also are not able to guarantee that our website or the data on it will be fault free, uncorrupted or free of viruses which may harm your computer. It is important for you to be aware that our website may also contain information submitted to us by third parties (that is people or companies other than us). We do not monitor, verify or endorse information submitted by these third parties for inclusion on our website, and you should be aware that such information may be inaccurate, incomplete or out of date.

Your Liability

If you use our website, we think it is reasonable to expect that you will adhere to these terms and conditions. If we think you have breached any of these terms, or if you have displayed inappropriate conduct when using our website, we may take measures to terminate or suspend your access to our website. If your use of our website causes us to suffer any loss or damage, you will be responsible for reimbursing these costs.

Data Submitted by You

You warrant that you have taken all reasonable precautions to ensure that any data you submit to our website is true, accurate, virus free and free of anything else which may have a contaminating or destructive effect on any part of our website or any other technology.

Complaints Procedure

In accordance with the Office of Fair Trading and the Financial Ombudsman Service, CheapLoans.co.uk operates a standard complaints procedure, full details of which are outlined below:

How to make a complaint:

If you have a complaint regarding CheapLoans.co.uk, you may contact us initially either in writing, or by e-mail for the attention of the compliance director:

Compliance Director, CheapLoans.co.uk, BEY Capital Ltd, 9 MULLION AVENUE, HONLEY, HOLMFIRTH, WEST YORKSHIRE, HD9 6GN

e-mail: complaints@cheaploans.co.uk

What happens next:

Once we receive your complaint, we will do the following:

Send you a prompt written acknowledgement of your complaint (if we have not been able to resolve it on the spot, or by the end of the next working day)
Ensure that you are kept reasonably informed of the progress of your complaint
Send you a final response letter no later than eight weeks after the initial complaint (if we have not already resolved your complaint)

What is a Final Response letter?
The final response letter will set out our final view on the issues raised in your complaint, and say whether we:

Accept the complaint and, where appropriate, offer any redress
Are offering redress without accepting the complaint, or
Reject the complaint

If we reject your complaint, our final response letter will explain why.

The final response letter will also inform you that if you remain dissatisfied with our response, you may refer your complaint to the Financial Ombudsman Service, within six months of the final response. (we will also send you the FOS consumer leaflet).

What if the eight weeks have passed and we have not sent you a Final Response?

We would normally expect to have fully resolved your complaint within this time, or to have sent a final response letter. If this is not possible for any reason, we will:

Explain why we are unable to send a final response
Inform you that you may refer your complaint to the Financial Ombudsman Service if you are dissatisfied with the delay, and
Enclose a copy of the FOS consumer leaflet.

Transactions Concluded Through Our Website

Our Website is entirely free to use. However, our website may contain links to other sites and resources provided by third parties which may offer you products or services for a fee. We provide you with a link to these websites 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. It is up to you whether or not you chose to obtain products or services from third parties through clicking on a link in our website to the website of a third party. However, if you do decide to do this, you will be leaving our website, and your use of any third party website including any payments you may make to them for their products and services will be governed by their terms and conditions of supply and not by these terms. Accordingly, we strongly suggest that you also read the terms and conditions of any third party website that you may access through clicking on a link from our website. We remind you that we can not be held responsible or liable for the content, advertising, products services or the use you make of any third party Websites.

General

Cheaploans.co.uk is owned and operated by BEY Capital Limited (registered company number 6489225)

All questions, comments or enquiries should be directed by post to BEY Capital Limited, 9 Mullion Avenue, Honley, Holmfirth, West Yorkshire, HD9 6GN