They exist to protect both you and us.
If you do not understand anything in these terms and conditions then please feel free to ask us by contacting firstname.lastname@example.org
If you do not agree with any of the terms and conditions then please do not use our Website.
By using our Website you are fully agreeing to these terms and conditions.
Season Marketing Ltd is a broker and not a lender.
The below Websites ("the Website") are trading names of Season Marketing Limited.
By using the Website you are fully accepting the terms, conditions and disclaimers contained in this notice. If you do not accept these Terms and Conditions you must immediately stop using the Website. Your access to and use of the Website is subject to agreement of these Terms and Conditions. You will not use the Website for any purpose that is unlawful or prohibited by these Terms and Conditions.
We reserve the right to:
3.1. Credit Broker (Credit Intermediary / Loan Finder)
Season Marketing Ltd is an FCA authorised Credit Broker and we will not provide finance directly to you.
Our service is to help find you a suitable loan solution as per your request and upon completion of your application form, we will introduce you to (Loan Providers and Credit Brokers ("Our Panel") who may be able to assist with your application for finance.
3.2. Loan Provider or Credit Broker's Landing Page
If a Loan Provider or Credit Broker accepts your application you will be forwarded to a page on the Loan Provider or Credit Broker's Website that they have requested we direct you to.
3.3. Alternative Loan Offer
If a Loan Provider or Credit Broker is unable to find the exact amount and/or term that you have requested, Our Panel may offer you an alternative amount and/or term. There is no obligation to accept the alternative offer if it doesn't meet your needs.
3.4. Your Personal Information
As part of our Loan Finder service, upon submission of your loan application request, we shall:
If you would prefer us to stop sending you communication about other finance options, you can request this to cease at anytime by:
It is important for you to understand that after you opt-out, if in the future you request a loan, we may still automatically contact you by Email or SMS with your application details so that you have record of it.
We will never use your personal information to share with any other third party without your express opt-in consent, and we will never contact you regarding unrelated products or offers which do not directly relate to the Loan Finder service you have requested information from. Each communication will clearly detail who it came from and how you can stop further messages.
3.5. Alternative Lending Solutions
If you are declined by the Loan Providers in Our Panel, you may be referred to an alternative lending solution/alternative product. These include, but are not limited to, a credit report provider, social report provider or debt solution provider. There is no obligation to proceed with the alternative solution if it doesn't meet your needs.
3.6. Free Service
We charge no fees for our service. If a Partner accepts your application, we shall receive commission from our Partner.
3.7. Third Party Fees
Some third party partners in Our Panel charge a fee for their services, such as credit report providers. Please read their refund policy and terms and conditions carefully before signing up. If you require a refund or wish to dispute the fee, you must contact the provider directly. We accept no liability or costs if you are charged by a third pary We referred you to.
3.8. Rates and Repayments
Any examples of amounts available to borrow, terms (repayment periods) or rates stated on our Websites, or the Partner Websites are purely given as an example relating to the product. These examples are stated to provide you with an understanding of the products available.
As We do not provide the loan or financial service directly to You We are unable to control the examples contained on the Website.
3.9. Credit Check
The Partner will carry out some checks on you before any decision or final offer is made; this may include carrying out a full credit check on both your current and previous history. If a full credit check is made, it will leave a hard footprint and will impact your credit score.
3.10. Loan Repayment History
If you are provided a quote by a lender and you accept their offer, your loan repayment history may appear on your credit report.
Please also be aware that as we are not a lender, we have no control over any of the decision making in relation to your application.
3.12. Account and Password
Some of our Websites may ask you to input a password to create an account with our Website. If you do so, we will store your personal information and allow you to log back in and re-apply for a loan. You can update the personal data we hold about you at anytime in your account area. You can close your account at anytime by contacting us.
We cannot guarantee that the Partner will approve your application for finance. This could be due to a number of reasons such as technology problem issues or because information provided during the application is incorrect and we have no responsibility for the assessments of loan applications conducted by third parties. We will not be liable for any loss that you may incur in connection with using this site or our services, whether direct or indirect and howsoever arising. Nothing in this clause shall operate to exclude or reduce liability for fraud or any other liabilities that cannot be excluded under the applicable laws. In the event that you do not use this Website in accordance with these terms and conditions or we become aware that you are using this form fraudulently, we reserve the right to claim from you any reasonable costs that we may incur in taking action to stop you using the form and recover any monies owed as a result of your activities.
The Website may include links to third party Websites which are controlled and maintained by others. Any link to other Websites available is not an endorsement of such Websites and you acknowledge and agree that we are not responsible for the content or availability of any such sites.
In using the Website you agree that you will access the content solely for your personal, non-business related use. None of the content may be downloaded, copied, reproduced, transmitted, stored, sold or distributed without the prior written consent of the site owner. This excludes the downloading, copying and/or printing of pages of the Website for personal, non-business related home use only.
All intellectual property rights, copyright or trademarks used in the Website and its content including without limitation the design, text, graphics and all software and source codes connected with the Website are owned by Season Marketing Ltd.
If you wish to opt-out of our placing cookies on your computer, please adjust your internet browser's settings to restrict cookies as detailed in your internet browser's help menu. You may also wish to delete cookies which have already been placed. For instructions on how to do this, please consult your internet browser's help menu.
You agree to indemnify and hold us and our employees and agents innocent from and against all liabilities, legal costs, losses and other expenses in relation to any claims or actions brought against us arising out of any breach by you of these Terms and Conditions or other liabilities arising out of your use of this Website.
If any of these Terms and Conditions should be determined to be invalid, illegal or unenforceable for any reason by any court or competent jurisdiction then such Term or Condition shall be severed and the remaining Terms and Conditions shall survive and remain in full force and effect and continue to be binding and enforceable.
These Terms and Conditions shall be governed by and construed in accordance with the law of England and Wales and you hereby submit to the exclusive jurisdiction of the English courts.
We try our hardest to make every effort to ensure that the service you receive from this Website is excellent; however, we understand that sometimes things may not fully work to your expectations. If you would like to make a formal complaint, please email us your concerns to email@example.com or alternatively you can send your complaint in writing to Season Marketing, 71 - 75 Shelton Street, London, England, WC2H 9JQ
We will aim to answer your complaint as soon as possible but sometimes it could take a little longer to carry out our investigations and in these instances, we will issue our final response within eight weeks from when you first complained to us. If for any reason we are unable to conclude our investigation within this time or you are unhappy with our final response. You will be able to refer your complaint to the Financial Ombudsman Service (FOS).
The FOS will only deal with your complaint if you have contacted us first to be given the opportunity to be able to put things right for you. So please contact us so we can see if we can help you.
11.1 Financial Ombudsman Service (FOS)
If you want the FOS to consider your complaint, you must send your complaint to them within 6 months of the date of our final response. Their contact details are:The Financial Ombudsman Service
Season Marketing Ltd registered in England and Wales (Company number 08901402). Season Marketing Ltd’s registered office; Season Marketing Ltd, 71 - 75 Shelton Street, London, England, WC2H 9JQ. Season Marketing Ltd is authorized and regulated with full permission by the Financial Conduct Authority and entered on is the Consumer Credit Register under reference number: 727385. Licensed by the Information Commissioners Office, (registration number ZA064129).
Last updated: 08/10/2020