WARNING: Late repayment can cause you serious money problems. For help, go to moneyhelper.org.uk. Lovely Loans is a broker, not a lender, and does not make credit decisions. We may receive a commission from the lender.
On this page we’ve listed some very important things that you need to know about us and the services that we offer. It is really important that you carefully read over our terms and conditions before you decide to make use of our services.
By visiting our website, you are agreeing to our terms and conditions and to abide by them, as well as agreeing to utilise our service for lawful purposes only.
If you do not agree to the terms and conditions set out below, then you are encouraged not to use our service.
We are a registered trading name of Moriarty Financial Services LTD, registered in England and Wales (company number 11352686). Our registered office is at: 233 Edward Pavilion, Albert Dock, Liverpool, L3 4AF. We are a credit broker authorised and regulated by the Financial Conduct Authority (“FCA”), and we are entered on the Financial Services Register under reference number: 821722. We are licenced by the Information Commissioners Office under registration number ZA441141.
By being here on our website and utilising our services, you are accepting our terms and conditions, cookie policy and privacy policy and agreeing to them.
If you do not agree to abide by these terms and conditions, then please stop using and/or accessing our website immediately. If you breach any of these terms, your right to access and use our website will cease immediately.
We know that our obligations to this agreement by performing the service you have requested. In doing so, we are the service provider and you are our customer.
We deal directly with you, the customer, and have no obligation to any other party.
If you are accessing our service on behalf of another person, our obligation is still with you, the customer. Our terms and conditions of this agreement apply to you, not with any other parties or agents that may be connected to you.
We reserve the right to change our terms and conditions every now and again by amending this page. Any new terms and conditions will be effective from the date they are posted on our website, so please come back to have a look every now and again for changes.
By continuing to use our website after and new changes are posted you are accepting our updated terms and conditions.
Here at Lovely Loans, we offer an online credit broking service and can assist with your search for certain products and services provided by our panel of lenders and credit brokers (“referred to as Our Partners”). We will not charge you a fee for using the Lovely Loans service, however we do receive commission from Our Partners if they are able to provide you with the specific product or service you were looking for.
Whether or not Our Partners are able to provide you with the product or service you are looking for, is their choice and is dependent on a number factors including their assessment of your eligibility and credit worthiness by examining your credit history.
You are protected under the Consumer Credit Act 1974 (as amended) (“CCA”), and Our Partners are authorised and regulated by the Financial Conduct Authority.
To find out more information about how the CCA protects the rights of consumers contact the Trading Standards Institute www.gov.uk/find-local-trading-standards-office or the Citizens Advice Bureau www.citizensadvice.org.uk
Our website is for your personal use only and you are prohibited from utilising it for any unlawful or fraudulent purposes. You should only use our service if you are a UK resident aged 18 years or over.
If you are using our website on behalf of someone else, you are responsible for making sure that they understand and agree to these terms and conditions. When you provide their information, you are essentially confirming to us that you have their permission to do so.
We may contact you by several means including by telephone, SMS, email and post. This will mostly be to tell you about products and services that may be of interest to you, unless you have specified to us that you don’t want to be contacted in this way. (Please read our privacy policy for more information).
By utilising our service to look for a financial service or product, we will try our best to match you with one of Our Partners, and if successful you will be redirected to their website to complete your application. After this, you should carefully read their privacy policy so that you understand how they will process your personal information (this might include for e.g. them contacting you by telephone, SMS, email, and/ post to provide you with that particular financial service or product.) We are not in any way responsible for the way in which any of Our Partners may do this.
When assessing your eligibility, we will carry out a soft search on you when checking your file. This will not affect your credit score and will only be visible to you. Carrying out a soft search means we’re able to verify your identity and creditworthiness, in order for us to match you with the most suitable Partner on our panel.
Should you decide to go ahead with any offer that may be presented to you by one of Our Partners, they will also carry out their own identification and validation checks (including fraud prevention procedures, affordability and credit application checks), in accordance with their own criteria. Any full credit check, (also known as a “hard” search) carried out by any of Our Partners will, however, be visible on your credit file to any other lender in the future – so bear this in mind.
It is very important that you make sure the information you provide is true and accurate. Misleading information will be regarded as a breach of our terms and is likely to breach any agreement you enter into with Our Partners. Furthermore, misleading information may also result in the instigation of criminal procedures against you.
Lovely Loans are the owner or the licensee of all intellectual property rights in our website, as well as the material published on it. These works are protected by strict copyright laws and treaties around the globe and all such rights are reserved.
It might be helpful for you to print off a copy, download extracts of any page(s) from our website for your personal reference and you may draw the attention of others to material posted on our website.
You are not allowed to not modify the paper or digital copies of any materials you have printed off or downloaded in any way, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text.
Our status (and that of any identified contributors) as the authors of material on our website must always be acknowledged.
You absolutely must not use any part of the materials on our website for commercial purposes without obtaining a licence to do so from us or our licensors. All rights in lovelyloans.co.uk are owned by us.
If you leave our website to complete an application for a product or service on the website of one of Our Partners, it’s essential that you read their terms and conditions to make sure you understand and agree to them.
Our website contains links to other sites and resources provided by third parties, these links are provided for your information only. We have no control whatsoever 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.
We process information about you in line with our privacy policy. This means that by utilising our website, you realise that your information will be processed in these ways, and you accept that all data provided by you has been accurate.
We want to make sure that the material on our website is accurate and try to correct any errors or omissions as soon as we become aware of them. However, we cannot guarantee that our website is always accurate and error free. That’s why we reserve the right to change any information displayed at any time.
The information displayed on our website is not meant to be construed as advice, financial otherwise. It is provided only to help you find the product or service that you consider is the most appropriate for your circumstances. If it’s financial advice that you’re looking for, you should contact a registered and qualified Independent Financial Adviser (IFA).
Lovely Loans does not accept liability or any responsibility for any loss or damages that you may incur (whether directly or indirectly) in the following circumstances:
This will not affect our liability for death or personal injury arising from our negligence, nor our liability for fraudulent misrepresentation or misrepresentation as to a fundamental matter, nor any other liability which cannot be excluded or limited under applicable law including but not limited to the Financial Services and Markets Act 2000, as amended, (“FSMA”) or any conduct of business rules developed pursuant to FSMA.
You must not, under any circumstances, abuse our website by knowingly introducing any forms of viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not attempt to gain unauthorised access to our website, the server on which our website is stored, or any server, computer or database connected to our website. You must not attack our website 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 website will cease immediately.
Lovely Loans will not be responsible for any losses or damage caused by a distributed denial-of-service attack, viruses or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of our website or to your downloading of any material posted on it, or on any website linked to it.
In addition, you must not establish a link from any website that is not owned by you.
Our website must not be framed on any other site, nor may you create a link to any part of our website other than the home page. We reserve the right to withdraw linking permission without notice.
Our main aim at Lovely Loans is to offer an excellent service to all our customers. However, if you feel let down at any point and you wish to make a complaint of any kind, please write to:
Compliance Manager,
Moriarty Financial Services LTD,
233 Edward Pavilion,
Albert Dock,
Liverpool,
L3 4AF
A response will be provided as soon as possible upon receipt of your letter of complaint.
If we do not resolve your complaint internally to your satisfaction, you may be able to refer your complaint to the Financial Ombudsman Service:
Financial Ombudsman Service,
Exchange Tower,
London,
E14 9SR.
www.financial-ombudsman.org.uk
Our terms and conditions and your access to and use of our website (including any dispute or claim arising out of or in connection with them), are governed by and interpreted in accordance with English law.
You therefore agree to submit to the exclusive jurisdiction of the courts of England and Wales in connection with these terms and conditions and your access to and use of our website.
This agreement is in English and all communications between you and Lovely Loans will be in the English language.
If any provision of these terms and conditions is found to be unlawful, invalid or unenforceable, that provision shall be deemed deleted from these terms and conditions and shall not affect the validity or enforceability of the remaining terms and conditions.
Our terms and conditions, privacy policy and cookie policy, constitute the entire agreement between yourself and Lovely Loans, relating to your use of our website.
No failure or delay by us in exercising any of our rights under these terms and conditions shall constitute a waiver of that right nor will any single or partial exercise by us of any right preclude any further exercise of any right.
If you have any queries whatsoever about these terms and conditions, or would like to contact us for any other reason, you can contact us:
by post: Customer Services, Moriarty Financial Services LTD, 233 Edward Pavilion, Albert Dock, Liverpool, L3 4AF, or
by email: please submit our contact form.
