Terms of Use

Introduction

The products and services featured on this Website are intended only for residents of England, Scotland, Wales and Northern Ireland who are 18 or over.

By accessing and continuing to use this website you are agreeing to our Terms of Use and Privacy Policy.

If you have a question about our Terms of Use or Privacy Policy please e-mail contact@talkloans.co.uk or call us on 01603 391104

References to “you” and “your” in these Terms of Use are to a person who accesses and or uses the Website.

References to “we” and “us” and “our” in these Terms of Use are to the owners of www.talkloans.co.uk, Butler Westbury Limited.

 

Your agreement to the Terms of Use

By accessing and using this Website you agree that these Terms of Use and our Privacy Policy apply to you and to your access to, and use of, this Website and that you will be bound by, and comply with, these Terms of Use and our Privacy Policy.

If you do not agree to these Terms of Use and our Privacy Policy you must stop using this Website immediately.

If you break any of these Terms of Use your right to use the Website will end immediately and, unless we otherwise agree in writing, permanently.

 

Permitted use of this website

You may access and use this Website only to use our services (as described below) and any other use (including any use that is not for you personally or use for commercial purposes) is not allowed.

Your access to this Website is permitted on a temporary basis, and we can withdraw or amend:

  • this Website;
  • any content;
  • the service we provide on this Website;

without notice at any time.

From time to time, we may restrict access to some or all of this Website, to users who have registered with us.

If you choose, or you are provided with:

  • a user identification code;
  • password; or
  • any other piece of information as part of our security procedures

you agree to treat such information as confidential and not to disclose it to anyone else.

We may, temporarily or permanently, disable any user identification code or password, whether chosen by you or allocated by us, at any time and from time to time.

You will be responsible to us for any loss or damage we incur or suffer as a result of your access to this Website or any other use of it.

 

Changes to Terms of Use

We may change these Terms of Use at any time and will always post the current version on this Website.  If you continue to use this Website after a change to the Terms of Use you will be deemed to have agreed to the Terms of Use as changed.  You are, therefore, advised to check the relevant part of this Website regularly.

 

Intellectual property rights

We are the owner in respect of all intellectual property rights in this Website and in the materials published on it. These materials are legally protected.

If you print off, copy or download materials from the Website (which you may do, but only for your personal use) you must not:

  • alter those materials
  • use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text; or
  • unless we have given our consent in writing, use any part of those materials for any commercial purpose.

 

Our service

We are a loan brokerage and we work with a carefully selected panel of lenders. For details of how we will collect and process your personal data, please see our Privacy Policy

We do not charge a fee for our service but will receive commission from those lenders who either accept an application from us, or complete a loan for you.

 

No financial advice

Nothing on this Website is, or is intended to be, financial advice, or a recommendation or endorsement by us of any product on, or referred to on, this Website.

You should always check the suitability, adequacy and appropriateness for you and your circumstances of any product that you select.  It is for you alone to choose whether or not to proceed with an application for any loan referred to on this Website.

Do not take out a loan unless you can afford to make the repayments and to pay the interest and other charges on the dates you agree to.  If you have any doubts about this please do not go ahead with any loan.

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

 

Limitations to our liability to you in respect of the use of this Website

Nothing in these Terms of Use limits our liability (a) for death or personal injury due to negligence or (b) for fraud.

We will use our reasonable endeavours to ensure that information on this Website is accurate and up to date, and to correct any errors as soon as we are able to after becoming aware of them but we will not have any liability to you, or to anyone else, for any loss incurred or damage suffered (even if this is caused by our negligence):

  • as a result of any errors in, or omissions from, the information on this Website;
  • in connection with any information, content, material or data provided by third parties and displayed on this Website (it is your responsibility to check with the product provider that such information, content and data is accurate and up to date); or
  • as a result of the Website being unavailable.

We do not give any warranty or guarantee that (i) this Website; or (ii) any other website (including any website that this website links to); or (iii) any download available on this Website or any other website is free from viruses.  If you wish to have a measure of protection from viruses you should use appropriate virus checking software but no software can offer complete protection.  We are not responsible or liable for any loss or damage you may suffer or incur in this regard where caused by a third party.

 

Linking to this Website

You may link to this Website only if you do so in a way:

  • that is fair and legal;
  • that does not damage our reputation or take advantage of it;
  • that does not suggest any form of association, approval or endorsement on our part where none exists;
  • that does not frame this Website on another site.

You must not establish a link to this Website from any website that is not owned by you unless you have permission of the legal owner.

We may withdraw linking permission without notice to you.

By creating a link to this Website you agree to make good to us the cost of any damage we suffer, and to compensate us for any loss (including loss of reputation) that we suffer, as a result of that linking.

Other websites

We are not responsible for the content or operation of websites that are not run by us and your use of any website other than this Website (including websites that you may reach from this Website) will be governed by the terms and conditions of use and privacy policy applicable to that website.  These are likely to be different to those that apply to this Website.

It is your responsibility to ensure that you understand, and agree with, the terms and conditions of use and privacy policy of any other website when you use that website.

Jurisdiction and applicable law

The English courts will have exclusive jurisdiction over any claim arising from, or related to, a visit to this Website.

These Terms of Use and any dispute or claim arising out of, or in connection with, them or their subject matter or formation (including non-contractual disputes or claims), will be governed by and construed in accordance with the law of England and Wales.

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Opening Hours

Mon - Thurs: 9:00 to 19:30
Fri: 9:00 to 17:30
Sat: 9:00 to 12:00
Sun: Closed

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Phone Number

01603 391104

Please call us during our opening hours for the best service.

Address

Talk Loans
61 – 63 Riverside Road
Norwich
NR1 1SR

Email

contact@talkloans.co.uk

We aim to reply to all emails within 24 hours.

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

Guarantor Loans Representative Example: Borrow £4,000 over 36 months. Monthly repayment of £194.78. Total repayable is £7012.08. Interest payable is £3012.08. Fixed APR of 47.9%. Interest rate of 41%.

Personal Loans Representative Example: Borrow £300 over 6 months. Monthly repayment of £79.72. Total repayable is £478.32. Interest payable is £178.32. Fixed APR of 446.9%. Interest rate of 118.9%.

Talk Loans is a Broker, not a Lender. To operate this service we receive commissions from the lender we refer you to.

Talk Loans is a trading style of Butler Westbury Limited Registered in England No 9035270.
Authorised and regulated by the Financial Conduct Authority Reference No. 625156.
Registered with the Information Commissioner’s Office ZA090336.
Registered office address: 3 Cricket Close, Drayton, Norwich, Norfolk, NR8 6YA

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