These Terms & Conditions of Use (the Terms) set out the Terms by which you may make use of our website lightfinance.co.uk (the Website). Use of the Website includes accessing, browsing, or registering to use the Website.
It is important that you carefully read these Terms before you use the Website, as they apply to your use of the Website. Please feel free to download or print a copy of these Terms for your own future reference. It is your responsibility to ensure you are aware of the nature of these Terms and how they may affect your use of the Website.
By using the Website, you confirm that you accept these Terms and that you agree to comply with them. If you do not agree to these Terms, you should exit the Website immediately and we request that you do not use our service.
LightFinance is a registered Trading Name of TFLI Limited which is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register under number FRN 723630. TFLI Limited is registered in England and Wales (Company number 08424810), Registered Office; Regulated by the Information Commissioners Office, (registration number Z3585914).
lightfinance.co.uk is owned and operated by TFLI Limited
We are not a Lender or Provider and therefore We will not provide finance directly to You; We provide an online loan matching service, We will introduce You to Lenders or Providers of financial services. By submitting an application through Our Iframe form You will be giving Your consent for TFLI Limited to match Your application with one of the Lenders or Providers on Our panel. We will present Your application in real time to one or more of Our Lenders or Providers based on their lending criteria until such time as one of Our Lenders or Providers accepts Your application or all Lenders and Providers decline Your application. If a Lender or Provider accepts Your application You will be forwarded to a page on the Lender or Provider’s Website that they have requested We direct You to or if the Lender or Provider does not work online We may present You with a screen that gives You information and contact details relating to the Lender or Provider that accepts You
It is important to understand that We will only forward You to a Lender or Provider that has looked at Your application and accepted it as one they believe there is a good chance they can provide a loan or relevant services to You. It is also important to understand that We may be paid a fee by the Lender or Provider for introducing You to them and We may pay a portion of that fee to the Website owner that is using the iframe form as a service.
There is no obligation for You to take up the loan or service with them. You should read their conditions carefully and make a responsible decision on whether You believe their service is right for You. If You have any questions or are unsure You should contact the Lender or Provider before taking out any service or loan with them.
Any examples of amounts available to borrow, terms (repayment periods) or rates stated on the Lender or Provider Websites are purely given as a representative example relating to the product. These representative examples are stated to give you an understanding of the products available. Representative examples are not given as a figure of what You will actually be offered by the Lender/Finance Provider therefore cannot be given as a guarantee nor can they be used as any kind of warranty. As We do not provide the loan or financial service directly to You We are unable to control the representative rate examples contained on the Website. Please also be aware that the decision to offer any loan or financial service is made by the Lender or Finance Provider and We have no control over the decision making.
The Lender/Finance Provider will conduct an assessment on You before any decision or offer is made; this may include a full assessment of Your credit history both past and present.
Accessing the website
Intellectual property rights
Accuracy Of Information
Customer checks & referencing
Upon application the Lender or Finance Provider may use both fraud prevention and credit referencing agencies to help make relevant decisions. Credit checks and credit reference agencies can also help prevent fraudulent applications so We ask You to agree to using data provided for the purpose of preventing fraud and ensuring that Your identity is protected.
Information provided by You must always be true and accurate, as misleading information will be regarded as a breach of Our terms and is likely to breach any agreement You have entered into with a Lender or Finance Provider. Misleading information may also result in the instigation of criminal procedures against You.
If You have authorised any third parties to act on Your behalf any information given by the third party will be contractually binding on You. Should You choose to make a joint application for a loan or finance via the Website each party will be dealt with as a client acting with the consent of the other and if correspondence is entered into with one party of the joint application it shall be assumed that the communication is with both parties.
Unless stated otherwise We may contact You via means of telephone, SMS, post or email to provide information and alerts relating to Your application and or services We think may be of interest to You.
You may only use our site & iframe form for lawful purposes. You may not use our site/form:
Links From The Website
The website & form is controlled and operated in the United Kingdom. These Terms and any non-contractual obligations arising out of or in connection with these Terms will be governed by the laws of England and Wales and You irrevocably agree to submit to the exclusive jurisdiction of the English courts.
Your Right to be Forgotten / Erasure Of Your Personal Information
Under the General Data Protection Regulation (GDPR), all individuals have the right to request the deletion or removal of personal data (the right to be forgotten) under the following circumstances:
There are some circumstances where the right “to be forgotten” does not apply i.e. where we need to comply with a legal obligation.
If you wish to request your “right to be forgotten” please email: firstname.lastname@example.org
Our marketing partners will also be informed of your request
We endeavour to make every effort to ensure Our service to You is excellent; however, if You wish to make a formal complaint, please send Your complaint via email to email@example.com or by writing to the following address: The Compliance Manager, TFLI Limited, Adelphi Mill, Grimshaw Lane, Bollington, SK10 5JB.
Last Updated May 2018
Our application process requires us to send you multiple SMS messages to provide you information regarding your Loan Application. This will also consist of details relating to specific Lenders and the service provided by LightFinance / TFLI and will also include periodic SMS messages as new lenders and products are added to our panel.
You can opt out from these messages at any time.
Voluntary Acquiescence to the proposal of another; the act or result of reaching an accord; a concurrence of minds; actual willingness that an act or an infringement of an interest shall occur.
Consent is an act of reason and deliberation. A person who possesses and exercises sufficient mental capacity to make an intelligent decision demonstrates consent by performing an act recommended by another. Consent assumes a physical power to act and a reflective, determined, and unencumbered exertion of these powers. It is an act unaffected by Fraud, duress, or sometimes even mistake when these factors are not the reason for the consent.