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Terms and Privacy Policy

Effective date: 11/10/2012

Terms of Use

Please, read the details set out below carefully before using the Website. By accessing our Website, you agree that you accept these Terms of Use and that you agree to abide by them. If you do not agree to these Terms of Use, please refrain from using our Website.


a. You must not knowingly misuse our Website or transmit any virus or harmful material to this website. You must not attempt to gain unauthorised access to our Website or to our database.

b. In the event of such a breach, your right to use our Website will cease immediately and we will report this breach to the relevant law enforcement authorities.

c. We will not be liable for any loss or damage caused by a distributed denial-of-service attack, viruses or other technologically harmful material due to the use of our Website.

d. If you choose, or you are provided with, a user login, password or any other piece of information, you must treat such information as confidential, and you must not disclose it to any third party. As part of security procedure, we have the right to disable any user login or password, at any time, if you have failed to comply with any of the provisions of these Terms of Use.

e. We do not allow automatic requests sent to our Website by bots. Also, we do not allow our application form to be completed automatically by a bot. We will block such access immediately. We also reserve the right to block access to certain traffic (e.g. originating from certain countries, IP zones, etc.)


a. Our Website may contain links to third party Websites. is not responsible for the content or privacy policies of those Websites, and including these links on our Website should not be considered as endorsement or recommendation to these third party websites. As a result of this, please note that these websites may be governed by separate terms and conditions which should be referred to by visiting those web pages.

b. While we do not hold any responsibility for the content and procedures followed by the third-party offers, we do check and, to the best of our ability, make sure that no fraudulent or unscrupulous offers are run on our Website.


Nothing in these Terms or in the pages of the Website shall limit our liability for death or personal injury arising from our negligence, or for fraud, or for misrepresentation as to a fundamental matter, which cannot be excluded or limited under applicable law.

i. has a privacy policy which is a part of these Terms of Use and this website. Any personal information obtained from you will be processed in accordance with the Privacy Policy and by using our Website you consent to such processing and you warrant that information provided by you is correct and accurate.

ii. Additionally, by using our Website, you abide by the fact that Internet transmissions are never completely secure. You understand that any message or information you send to our Website is subject to possible intercepted by potentially malicious parties.


a. All intellectual property rights in our Website, and in the material published on it, is owned by or licensed to us. Those works are protected by copyright laws and treaties around the world. All such rights are reserved.

b. Our status (and that of any identified contributors) as the authors of material on our Website must always be acknowledged.

c. No part of the materials on our Website should be used for commercial purposes without obtaining a permission to do so from us or our licensors.

d. You may print off one copy, and may download extracts, of any page(s) from our Website for your personal reference and you may draw the attention of others within your organisation to material posted on our Website, however, you must not republish, redistribute or amend the copies of any materials you have printed off.

e. If you print, copy or download and store any part of our Website in breach of these terms of use, we will cease your right to use our Website immediately and you must, at our option, return or destroy any copies of the materials you have made.


To register with us or use the services and products that we provide on our Website you must be over 18 years of age, and information contained on our Website does not amount to an invitation to clients who are under 18 to use any services or products.

i. The terms on this website are governed by the Laws of England and Wales whose courts have exclusive jurisdiction is respect of any dispute which may arise. ii. We retain the right to bring proceedings against you for breach of these Terms of Use in your country of residence or other relevant country.

Privacy Policy

Our Privacy Policy applies to all current and former customers and may change from time to time. We reserve the right to update or modify this Policy at any time, with or without notice.

By providing us with your personal information on our Website or in the course of using our services, you consent to the transfer of your Personal Data to companies inside the EU, our affiliates, and authorised third parties, in accordance with this Privacy Policy.


a. We collect information about you in two ways - directly from your online application and also from outside sources such as credit bureaux and customer service providers. We may use data that identifies you (your personal information) for a number of things including: statistical analysis; to develop and improve our products; to assess lending risks; to update your records; to identify which of our products, or our partners' products, might interest you; to identify and prevent fraud, money laundering and other criminal activities; to carry out regulatory checks and for market research.

b. We collect the following types of information:

  • Web page http headers (home server domain names, IP address, type of client computer, and type of Web browser).
  • Information provided by you through on-line forms, loan applications, surveys, and/or other entries, such as names, email addresses, home addresses, date of birth, personal, financial (bank account details) or demographic information.
  • Information, user specific or aggregate, on what pages our visitors access.
  • Automatic information and cookies (See also the "Cookies" section below).
  • Information about your transactions with us, such as payment history and loan balances, and information you provide when you contact our customer service department.
  • Information we receive from our affiliates, and from third parties, such as credit reference agencies, consumer reporting agencies and other lenders, regarding creditworthiness, credit history, and loan repayment history.
  • The email addresses of visitors that communicate with us via email.
  • To ensure that we are providing materials of interest to you, we may monitor whether you have clicked on the images and/or links therein. Our email communications may include HTML-based email messages, which includes a coded sensor that is activated when the email message is opened. This sensor communicates to us the date and time the message was opened and, more importantly, whether your computer is capable of receiving HTML-based email. You will receive a functioning sensor only if your computer is enabled to accept HTML email.


a. We use your Personal Data to process your loan transaction such as verifying your identity and credit standing to enable us to consider and process your application, to assess your credit history and confirm your employment details, enhance your experience of our Website and of our services, and (as described in the next section below) to transmit marketing communications. We may also use your Personal Data for such purposes as processing payments, updating and maintaining our records, of your dealings and relationship with us, conducting statistical analysis and for editorial or feedback purposes for our advertisers.

b. We may store and use your Personal Data for our own business or operational purposes, for example to ensure that we do not collect inaccurate or duplicate information about you. We may also process your Personal Data for the purposes of complying with legal obligations.


We share the data you submit with third parties involved in the process of providing the services you request, such as lenders, credit bureaux, customer service providers and collection agencies. We have trusted relationships with these carefully selected third parties who perform services on our behalf. All service providers are bound by contract to maintain the security of your personal information.


a. We receive and store certain types of information whenever you interact with our Website. For example, like many websites, we use "cookies" to obtain certain types of information when your Web browser accesses our Website and when you login, such as: your name and your email address. Cookies are pieces of information that are transferred to your computer's hard drive via your Web browser. They allow us to provide you with a more convenient and personalised experience by recording information about your preferences.

b. A web browser is usually set to accept cookies automatically but can be changed to decline them. The Help section of the toolbar on most browsers will tell you how to prevent your browser from accepting new cookies, how to have the browser notify you when you receive a new cookie or how to disable cookies altogether. In most cases, a visitor may refuse a cookie and still fully navigate our Website.

c. We do not store passwords or any other information about a visitor in a cookie that could identify them, their location, their preferences or their financial activity.

d. We use aggregated customer information to help us understand how our website is performing commercially and what we can do to improve performance. We may provide this information to other companies, such as third party advertisers. This information does NOT include any personal details that can be used to identify individuals.

e. If you do not want to receive cookies from us, please disable "cookies" in your browser.


Our site may contain links to third party websites. If you follow a link to any of these websites, please note that these websites have their own terms and privacy policies and that we do not accept any responsibility or liability for them. By registering at you may receive follow-up contact and offers from third party companies and, while we only work with selected partners, we are not responsible for the services or representations of third parties.


We do not seek or knowingly collect any Personal Data about children under 18 years of age.


This is a condensed version and if you would like to read the full details of how your data may be used please visit email us at and request the Full Data Protection guide.


If you have any concern about Privacy or Terms of Use or have any questions or comments, please send them to:

8889 W Olympic Blvd #1000
Beverly Hills, CA

We reserve the right to change this Privacy Policy at any time by notifying you of the existence and location of the new or revised privacy policy or by posting the changes online at our Website.