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EzDosh.uk Terms and Conditions of Use

Last Updated: March 1, 2018

This website EzDosh.uk is operated by TdotUK Limited (the “Company,” “We,” “Our,” “Us”). These Terms & Conditions of Use form part of an Agreement between the Company and You ("you" and/or "your"), as the user of this website (the "Site") and for the Company's Services, and governs Your access to and use of this Site.

Please be sure to read this Agreement in its entirety before using this Site. If You do not agree to these terms, please do not use this Site or the Company's Services.

Notice: By using this Site, You acknowledge that You are at least 18 years of age and that You have read, understand and agree without limitation or qualification to be legally bound by these Terms & Conditions of Use and our Privacy Notice, which are expressly incorporated herein by reference. Our Privacy Notice may be found at Privacy Notice.

About Us

The Company is incorporated under the laws of England and Wales, with company registered number 09225672. The Company is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register under reference number 688026. The Company is also registered with the Information Commissioner’s Office under registration number: ZA128431.

Using the Site

To register for Company's Services, You must agree to these Terms & Conditions of Use, as well as the Company's Privacy Notice. You must also accurately complete and submit one or more application forms that require certain personal, employment, and financial information (the “Information”).

The relevant application form to be submitted will depend upon which of the Company’s Services you require. The application forms are available as part of the documentation relating to that Services.

Once You submit Your Information, we may share it with our network of independent, third party lenders (“Lender(s)”). You are solely responsible for maintaining your own account information, including password. You agree to notify the Company immediately if the information You have given Us as part of Your application changes in any way, as detailed in the Company’s Privacy Notice.

The collection, use, and sharing of this information is subject to these Terms & Conditions of Use and our Privacy Notice, which are available as described above. By registering for the Company's Services, You understand that You are requesting a referral for a loan from the Lenders with whom we may share Your information. You further understand that such Lenders might contact You via email, telephone/mobile device/automated voice messaging and direct mail in order to assist You in obtaining the loan requested. Lenders, Company, and/or third-party marketing partners may also provide information to You about additional services and products you may be interested in, if you have provided your specific consent to do so.

Actual or attempted unauthorised use of the Site may result in criminal and/or civil prosecution. The Company reserves the right to view, monitor, and record activity on the Site with permission from You, however The Company can monitor and collect information such as, date and time of site visit, domain used to access the site, and date and time of application without consent provided. Without consent, no identifiable information will be gathered or processed. Any information obtained by monitoring, reviewing, or recording is subject to review by law enforcement organisations in connection with investigation or prosecution of possible criminal activity on the Site. The Company will comply with all requests for such information, in accordance with the law and its regulatory obligations.

The Company’s Services

The Company is a credit broker, and facilitates the connection of consumers interested in loan amounts between £100 and £5,000 with participating Lenders (the "Company's Services"). The Company is not a Lender or a loan provider, does not make loans or credit decisions, and does not provide financing directly to you. The Company is a free referral service through which interested consumers can connect with a network of independent, third party Lenders. The Company is not an agent of any particular Lender, and the Site is not an offer or solicitation to lend. Any compensation the Company may receive is paid by the Lender for advertising services provided. By completing and submitting a registration form on the Site, you give your consent to be matched with a Lender in our network.

The Company will present your Information to one or more of our Lenders based on their individualised criteria until such time as a Lender accepts your application, or your application is declined by all Lenders your Information is presented to. Upon acceptance, you will be redirected to the Lender’s website to complete the application process. You are under no obligation to accept the terms of a loan offer before signing any applicable loan documents with the Lender, and you may cancel the process at any time before such point. Read the terms of any loan offer carefully and consider obtaining independent legal and/or financial advice before accepting.

The Company does not endorse, recommend, or guarantee the loan availability, price, product, availability, rates, fees or any other loan terms of Lenders. We do not guarantee that a given Lender can offer you the most suitable loan available in the marketplace. By submitting your Information to us, you expressly agree to permit Lenders to verify and investigate the information You have provided.

If you are connected with a Lender, you understand that the Company is not a party to any agreement between you and that Lender and that we have no involvement in the registration process after transmission to the Lender. All loan terms are those of the Lender alone. The Lender is solely responsible for its services to you and your interactions with the Lender are subject to such Lender's terms, conditions and privacy policies. Please direct all questions, comments, or concerns involving your loan to the Lender.

You expressly agree that the Company shall not be liable for any damages or costs of any type arising out of or in any way connected with your use of this Site, including those damages or costs resulting from your entering into a loan agreement with a Lender.

Eligibility

The terms of loans offered by Lenders through the Site vary by Lender. At a minimum, Site users who complete the registration form must be at least 18 years of age, legally capable of entering into a binding contract, and be able to provide a valid address in the United Kingdom for delivery of services.

Suitability Disclaimer

The information we provide you on the Site may not meet your particular financial needs. You should seek the advice of a financial professional to assess the loan information Lenders provide. Not all Lenders can provide up to £5,000, and you are not guaranteed to receive a loan in any amount, or at the representative rate. We do not determine the terms offered, including the rates, duration, or payment schedule. An offer extended by a Lender is not a guarantee by any party that such offer is suitable for your financial needs. It is your responsibility to ensure that any products or services available on the Site or through the registration form meet your individual needs.

Credit Checking and Fraud Prevention

Although Company does not check your credit profile, make credit decisions, or determine loan terms, our Lenders routinely use credit referencing agencies (“CRAs”) and/or fraud prevention companies to help make relevant decisions. Company will only direct the information you provide us on the Site to such companies; it is your obligation to ensure that your information is accurate. In order to prevent fraud in the industry or needless rejection of your application, please enter only valid information. Purposefully submitting false data is tantamount to a breach of these Terms and may also be treated as an unlawful act by any Lender you are matched with.

If you have authorised any third party to enter information on your behalf, such information is deemed to have been submitted by you. We treat joint applications as having been submitted with the consent of both parties.

Confidential Information

We will treat your confidential information, as well as public, non-confidential information, in accordance with the Company’s Privacy Notice, available at EzDosh.co.uk. You expressly affirm that information you provide on the Site is complete and accurate. We only process information about you in accordance with our Privacy Notice.

Use of the Form

You agree to use the registration form provided on the Site in a lawful manner and for a lawful purpose. You are prohibited from using the form in a manner that causes harm to the Company’s operations.

Consent to Be Contacted

Please note that by submitting your Information to the Site, you consent to be contacted by a representative of the Company by telephone, standard mail, or e-mail in regard to the service. Marketing consent is gathered separately and you will not be contacted in regard to products and services of interest to you unless specific consent has been provided. More information is provided in The Company’s Privacy Notice.

Third Party Information

We make no representations or warranties whatsoever concerning the products or services offered by any third-party company, including Lenders. Any reliance you place on statements made by third parties including Lenders is done so at your own risk. We do not endorse any opinion or claim made by any third party including Lenders, whether or not on the Site, and expressly disclaim any responsibility and liability for such material. Third party sites linked to the Site are not under the Company’s control, and we expressly disclaim any responsibility for the content of

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Rates from 49.9% APR to max 1333% APR. Minimum Loan Length is 1 month. Maximum Loan Length is 36 months. Representative Example: £250 borrowed for 30 days. Total amount repayable is £310.00. Interest charged is £60.00, annual interest rate of 292% (fixed). Representative 669.35% APR (variable).

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