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Terms & Conditions

The use of our website is subject to the terms and conditions set out below. Please take a moment to read these terms and conditions carefully. By using or accessing any of the All Purpose Loans website, you agree to be bound by the following terms and conditions.

1. Who are we?

We are All Purpose Loans. All Purpose Loans is a trading style of Mycasa LLC. Mycasa LLC is registered in United States of America. The principal place of business is 124 Broadkill Rd #479, Milton, DE 19968-1008, USA. We are found on the FCA’s Financial Services Register under firm reference number 812876 as an Appointed Representative of Everything Financial Ltd who is authorised and regulated by the Financial Conduct Authority, firm reference number 742815. Mycasa LLC is registered with the Information Commissioner, Licence No. ZA434846

2. How can you contact us?

Any questions regarding these Terms and conditions and our privacy practices should be sent by email to hello@allpurposeloans.co.uk or by writing to All Purpose Loans c/o Everything Financial Ltd, Riverside, Mountbatten Way, Congleton, CW12 1DY.

3. Your acceptance of these terms and conditions

It is important to us that you understand how our service works before you use it, so please read these terms and conditions, our privacy policy and our cookie policy. You need to understand that if you use our service, you:

  • agree to accept and be bound by these terms and conditions, our privacy policy and our cookie policy
  • agree to abide by these terms and conditions
  • agree to use our service for lawful purposes only

If you do not agree to these terms and conditions, our privacy policy or our cookie policy, please do not continue to use our service.

4. Our Service

We are a credit broker and provide this website in order for you to compare various Lending Products that exist when you are looking for finance. We work with Eligibility Checkers that are credit brokers in their own right. The Eligibility Checkers have access to Lending Products from Lending Product Providers.

Lending Products:

  • Personal Loans (Unsecured Loans)
  • Homeowner Loans (Secured Loans / 2nd Mortgage Loans)
  • Guarantor Loans
  • Hire Purchase (Vehicle Finance)
  • Conditional Sale (Vehicle Finance)
  • Mortgages

A full list of Lending Product Providers can be found in our Privacy Policy.

The Service has been built to cover a large range of solutions to help you find an appropriate Lending Product for your needs, however, it is not and should not be seen to be financial or professional advice. If you are at all unsure if a product is appropriate for you, please seek professional advice.

When you use our service, we will ask you several questions, some of which are related to your personal information. We may share your answers to these questions with Eligibility Checkers who may refer you to their Lending Product Providers in order to see what they are willing to offer you. The Eligibility Checkers will also tell us the chance of you being accepted from their respective Lending Product Providers if you were to complete a full application with them.

Our Eligibility Checkers may refer your information to Credit References Agencies ("CRAs") in order obtain a copy of your credit report data when you use our service. The Eligibility Checkers may use the information contained within your credit report, alongside the answers which you supply to our questions, including your personal information, to calculate your offer and eligibility for some of the Lending Products. The CRAs will record a "soft search" (sometimes referred to as a "quotation search"), which means the record of that search will not be visible to other third parties and cannot impact your ability to obtain credit in the future. The Lending Product Providers may themselves also contact the CRAs to obtain a copy of your credit report data for the purposes of determining your Real Rate and Eligibility for their products and in those cases a "soft search" will be recorded.

The use of the Services provided by our Eligibility Checkers and their Credit Reference Agencies via our website is subject to their Terms and Conditions. For further information about how your details will be used, please read the rest of these Terms and Conditions, the Eligibility Checkers' Terms and Conditions and our Privacy Policy.

Eligibility Checkers Terms and Conditions Notes
Monevo Ltd https://www.monevo.com/terms Monevo Ltd is a credit broker who matches you to Product Providers using a combination of direct connections with those Product Providers and your CRA data.
Carbon Finance Ltd https://www.carbonfinance.co.uk/Terms Carbon Finance is a credit broker who matches you to Product Providers using a combination of direct connections with those Product Providers and your CRA data.
Everything Financial Ltd https://everythingfinancial.co.uk/termsandconditions Everything Financial is a credit broker who has a panel of lenders that conduct a soft search only in order to match you to a Product Provider on their panel.
Fluent Money Ltd https://www.fluentmoney.co.uk/terms-conditions Fluent Money is a credit and mortgage broker, they will need to speak to you in order to more fully understand your circumstances and suggest appropriate product recommendations.

We do not charge you a fee for using our service, however we may receive commission if we refer you to an Eligibility Checker Provider, if you click on an offer from Lending Product Provider or if you enter into a credit or loan agreement with a Lending Product Provider following an introduction through this website.

5. Permitted use of our service

Our service is for your personal, non-commercial use only. Access to our service other than for your personal, non-commercial purposes is strictly prohibited.

Our service is intended for use only in the UK. We make no warranty or representation that any product we advertise is available or otherwise appropriate for use outside of the UK. If you choose to use the service from locations outside the UK, you do so at your sole risk, and you are responsible for compliance with all applicable local laws.

Our service is intended for the use of over-18s only.

You are not permitted to use our service:

  • in any manner that may be deemed unlawful, fraudulent or commercial in nature
  • with another person's details
  • to tamper with, modify, reverse engineer or amend any part of it
  • in a way that interferes with, disrupts or imposes an unreasonable or disproportionately large burden on our communications and technical systems
  • with any automated software, process, program, robot, web crawler, spider, data mining, trawling or other "screen scraping" software, process, program or system

You may operate a link to our website provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it, as determined by us. You must not operate a link to our website in such a way as to suggest or imply any form of association, approval or endorsement by us without obtaining prior written permission from us. We reserve the right to require you to remove any link to our website immediately and at any time and to withdraw any linking permission at any time.

6. Intellectual property

The trademarks, copyright, database rights and other intellectual property rights in our service and in the information displayed on our website belongs to us and all such rights are reserved.  You must not use such information or copyright material unless you have written permission from us to do so.

You may temporarily print, download or store extracts of information displayed on our website for your own personal, non-commercial use, provided you do not otherwise breach these terms and conditions.

All rights in our website and service are owned by us.

7. Your responsibilities

a. You will provide accurate information about yourself

In order to use our service, you are required to supply your personal information and answer a series of questions about yourself. These questions are designed to ensure that us and the Providers we work with have the information necessary to provide you with appropriate information regarding the products that we advertise and compare. Features of the product we communicate such as your Real Rate and Eligibility are determined by the information you provide and it is therefore very important that you answer all questions truthfully, completely and accurately and that you disclose all relevant facts. Failing to do this could result in invalid information being displayed to you about the products and in those cases, should you decide to proceed with a full application for one or more of them, the respective Provider(s) will be under no obligation to supply you with the product or they may only be able to offer you a product at terms different to those advertised.

If you are in any doubt as to whether any information is relevant or required to be disclosed or that something may be incorrect you should disclose it to the Provider before you apply for a product.

b. Use third party websites

When you use the website of any Lending Product Provider or apply for one of their products, you will be subject to the Provider’s own terms and conditions, privacy policies and cookie policies, which will be different from ours. It is therefore very important that you read the Provider's terms and conditions and any other supporting documents they provide before making a full application for their product. You should also familiarise yourself with all the details of the product, for example, interest rates, early repayment charges, fees, conditions and obligations.

We do not endorse, recommend or accept responsibility for any Lending Product including, associated products or services, their websites or for any information, opinions or views given or advice provided by them and we accept no responsibility for any loss or damage that may arise from your use of them.

c. Misuse of our website

You must not misuse our website or the websites of third parties or any other technology by:

  • knowingly introducing viruses, trojans, worms, logic bombs or other material which may have a harmful effect to them
  • attacking them via a denial-of-service attack or a distributed denial-of service attack
  • attempting to gain unauthorised access to the server on which our website is stored, or any server, computer or database connected to our website

d. Data privacy

We process information about you in accordance with our privacy policy. By using our service, you consent to such processing and you warrant that all data provided by you is accurate. We also use cookies, as set out in our cookie policy.

8. Our responsibilities and liability to you

a. Accuracy of information on our website

We aim to ensure that the material displayed on our website is accurate and we try to correct any errors or omissions as soon as we become aware of them. However, we do not guarantee that the information on our website is always accurate and free from errors or omissions. We reserve the right to add, amend information displayed on the website at any time and without notice.

The information and descriptions of products advertised on our website may not represent the complete descriptions of all the features and terms and conditions of those products. You must ensure that you carefully read all the features and terms and conditions (including those contained on the Lending Product Provider's website) of any product before applying for it.

As part of our service we provide you with your Eligibility for each product and it may be possible that you see an Eligibility of 100%. In these cases, the Provider has provisionally approved you for the product based on you the assumption that you:

  • you have provided accurate information and have not included estimates in any of your answers
  • you can pass any fraud or identification checks they make on you
  • offering you credit does not lead them to be in breach of any regulatory commitment

As part of our service we try to provide you with your Real Rate for each product. This means that if the Provider accepts your full application for the product, you will get that rate of interest as stated assuming that:

  • the product is a personal loan or a guarantor loan
  • the product is a hire purchase or conditional sale agreement and the car you are intending to buy is less than 8 years old and has not done more than 100,000 miles and is being purchase from a reputable dealership as defined by the Provider or broker

b. Availability of our website and services

We aim to provide uninterrupted access to our service, but we give no warranty on this. We reserve the right to suspend, restrict or terminate your access to our website and / or services at any time.

c. Viruses and malware

We aim to ensure our service is not technologically compromised but we do not give any warranty that our website is free from viruses or anything else which may have a harmful effect on any technology.

d. Exclusions of our liability

The information, materials and functions contained in this website including text, graphics, links or other items are provided on an “as is” basis excluding any warranty whatsoever, express or implied, including but not limited to warranties of satisfactory quality, fitness for a particular purpose or freedom from computer viruses. All Purpose Loans excludes any liability for any errors in or omissions from information, materials and functions included in this website or any third party Websites linked to or from this website.

We do not accept any responsibility or liability for any direct, indirect or consequential loss or damage you may incur in connection with our website or in connection with your use, inability to use, results of the use of our website, and any websites linked to it and any information displayed on it, including without limitation any liability for loss of income or revenue, loss of business, loss of profits or contracts, loss of anticipated savings, loss of or damage to data and for any other loss or damage of any kind, however arising, whether in contract, tort (including negligence), breach of statutory duty or otherwise, even if foreseeable, provided that this condition shall not prevent claims for loss of or damage to your tangible property or any other claims for direct financial loss that are not excluded by any of the categories set out above.

Any exclusions or limitations or restrictions of liability contained in these terms and conditions of use and access of this website shall be subject to the qualification that nothing contained in any such exclusion or limitations or restrictions of liability shall operate to exclude or restrict any duty or liability of All Purpose Loans to any person which it has under the Financial Services and Markets Act 2000 or its amendments.

9. Complaints

If you are unhappy with any element of our service, we want to know. We are an Appointed Representative of Everything Financial Limited and as our Principal they will take responsibility for the handling of your complaint. We endeavour to ensure that you receive a first class service but in the unlikely event that things fall short of your expectations please contact Everything Financial by your way of choice listed below.

Everything Financial have a maximum of 8 weeks within which to resolve your complaint but will always aim to resolve your complaint as quickly as possible and will keep you informed at each stage.

If your complaint is resolved within business 3 days Everything Financial will send you a Summary Resolution Communication. This will outline the nature of the complaint and the steps taken to resolve it and what to do if you are not satisfied.

If your complaint cannot be resolved within 3 business days you will be sent an Acknowledgement Communication, this will include a copy of the Complaints Procedure so you are aware of time scales, what to expect and details of who is handling the investigation.

At the end of 8 weeks, or as soon as the complaint is resolved after the Acknowledgement Communication, you will be sent a Final Response Communication. This will outline the complaint, the investigation findings and what has been done to resolve the issues. If you are not satisfied with the outcome you may have the right to refer your complaint to the Financial Ombudsman Service for arbitration. Information about FOS and how to refer your complaint to them will be included to help you.

Complex Complaints

If Everything Financial cannot reach an agreement with you by the end of eight weeks, they will send you a letter giving reasons for the delay and an indication of when you can expect a resolution and information about how to contact the Financial Ombudsman.

About the Financial Ombudsman Service

The Financial Ombudsman Service offers a free independent service and they can help with most financial complaints. However, there are some limitations on what the Financial Ombudsman Service can look into, and further information about this can be obtained from them directly. We and Everything Financial are committed to resolving your complaint fairly and quickly. In most cases this can be done if you contact them as soon as possible. They will try to resolve your complaint by listening to your concerns and agreeing a solution with you.

Contact the Financial Ombudsman Service

  • Write – The Financial Ombudsman Service, Exchange Tower, London E14 9SR
  • Call - 0800 023 4567

If you'd like a bit more information you can visit their website: www.financialombudsman.org.uk

10. Communication from us and our Providers

You may receive communication from us as a result of using our service in the form of an email and SMS of your Quotation. We may also contact you for legal or regulatory reasons if a need arises.

By using our service to find a product, you may be contacted any Eligibility Checker Provider. You may also be contacted by any Lending Product Provider whom you have agreed to proceed with, by clicking on the “See Deal” or equivalent icon. They may contact you in order to provide you with the product. We advise that you read their privacy policy and terms and conditions prior to completing your full application with them details of which can be found in our Privacy Policy

11. Duration of these terms and conditions

If we believe that you have not complied with any of these terms and conditions, that you are misusing our service or that your use of our service is in any way detrimental to us or a security risk, we may in our sole discretion suspend your access to the service or any part thereof without notice.

12. General

If any provision of these terms and conditions is held to be unlawful, invalid or unenforceable, that provision shall be deemed deleted from these terms and conditions and the validity and enforceability of the remaining provisions of these terms and conditions shall not be affected.

These terms and conditions, together with our privacy policy and cookie policy, constitute the entire agreement between you and us relating to your access to and use of our website and services and supersedes any prior agreements (including any of our previous terms and conditions you have agreed to).

No failure or delay by us in exercising any right under these terms and conditions will operate as a waiver of that right nor will any single or partial exercise by us of any right preclude any further exercise of any right.

The terms and conditions of use of this website shall be exclusively governed by and construed in accordance with the laws of England and Wales.

13. Changes to these terms and conditions

We reserve the right to amend these terms and conditions from time to time by amending this page. The amended terms and conditions will be effective from the date they are posted on our website and the date of the most recent changes will appear on this page

By continuing to use our service after changes are posted, you are accepting our new terms and conditions.

Last updated: 14th January 2020.