MoneyHotshot.com

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& Terms of Website Use

These terms provide information in relation to our website and the services which we offer.

This terms of use (together with the documents referred to in it) tells you the terms of use on which you may make use of our website www.moneyhotshot.co.uk (our site), whether as a guest or a registered user. Use of our site includes accessing, browsing, or registering to use our site.

By using any of the moneyhotshot.co.uk services on this website, you are agreeing to these Terms and Conditions of Use. You should also read our Privacy Policy which explains what we may do with the information provided by you through your use of our website and our Website Terms, which govern your use of this website.

By using our site, you confirm that you accept these terms of use and that you agree to comply with them.

If you do not agree to these terms of use, you must not use our site.

In these terms “We”, “Our” and “Us” means Money Hotshot Limited trading as www.moneyhotshot.co.uk and “You” and “Your” means any person who accesses and uses our site.

Information about us

www.moneyhotshot.co.uk is a site operated by Money Hotshot Limited. We are registered in England and Wales under company number 03930184 and have our registered office at Manchester Business Park, 3000 Aviator Way, Manchester, M22 5TG.

We are authorised and regulated by the Financial Conduct Authority under Firm Reference Number 722654.

Changes to these terms

We may update our site from time to time, and may change the content at any time. However, please note that any of the content on our site may be out of date at any given time, and we are under no obligation to update it.

We do not guarantee that our site, or any content on it, will be free from errors or omissions.

Accessing our site

Our site is made available free of charge.

We do not guarantee that our site, or any content on it, will always be available or be uninterrupted. Access to our site is permitted on a temporary basis. We may suspend, withdraw, discontinue or change all or any part of our site without notice. We will not be liable to you if for any reason our site is unavailable at any time or for any period.

You are responsible for making all arrangements necessary for you to have access to our site.

You are also responsible for ensuring that all persons who access our site through your internet connection are aware of these terms of use and other applicable terms and conditions, and that they comply with them.

Portal access and password

After you have submitted an online loan application at our site you will be provided with a password PIN code which will enable you to access the portal. You must treat this information as confidential. You must not disclose it to any third party.

We have the right to disable any user access to the portal if in our reasonable opinion you have failed to comply with any of the provisions of these terms of use.

If you know or suspect that anyone other than you knows your user identification code or password, you must promptly notify us at info@moneyhotshot.co.uk.

Services

You can submit an online loan application by visiting our website www.moneyhotshot.co.uk. Once you have submitted a completed application you will be provided with a Password PIN Code which will be sent to you by both text message and email.

The Password PIN Code will provide you with access to our portal where you will be able to view details of our comprehensive panel of lenders. The panel of lenders is comprised of lenders who can offer unsecured, secured and guarantor loans. The panel does not offer payday loans.

You are able to submit an application for a loan and we advise when you apply for a loan that you agree to the lender conducting a credit search on your behalf.

Money Hotshot will not credit search you.

You will continue to have access to the online portal unless you notify us at info@moneyhotshot.co.uk that you no longer wish to use Our service. In any event, your account will automatically be deactivated if you do not access the portal for a continuous period of 21 days.

We may offer you a variety of services by phone, internet, mail, SMS, and other means. These services may include acting as a loan and finance broker; introducer to debt and property possession adjusters, utility switching agents, compensation advisers, insolvency practitioners, bankruptcy specialists, equity release arrangers and credit reference and repair advisers. All of these services are provided without any upfront fees.

By subscribing to our portal you are authorising us to seek any of these services that we think may be suitable for you and you are authorising us to pass your details onto any associate companies that may offer any of the above services. We are not responsible for tax or legal advice regarding any of these services and you must rely on your own expert advisers in those fields.

Fees

The service and access to our portal is free.

We may be entitled to receive variable commissions for any introductions we make from a lender. You agree that we may retain this commission. We will not charge any upfront fees for any of our services. Please refer carefully to your loan agreement for terms and charges of your specific loan or finance agreement.

Credit checks

Associate companies (including lenders) may use credit scoring or other automated systems with (but not exclusively), Credit Reference Agencies (CRA), to assess your credit worthiness, make decisions and verify your identity. These systems include searching your records with credit reference agencies, employers, fraud and money laundering prevention agencies and the electoral register as well as providing them with information. These agencies can add your details to their records for other organisations to do searches. If you make a joint enquiry, both records are processed by the agencies and a link between you can be created.

When a CRA receive a search request they will place a search footprint on your credit file that may be seen by other lenders. Records remain on file for 6 years after they are closed, whether settled by you or defaulted.

How to find out more

You can also contact the CRAs currently operating in the UK; the information they hold may not be the same. They will charge you a small statutory fee.

CallCredit, Consumer Services Team, PO Box 491, Leeds, LS3 1WZ
Phone: 0870 0601414

Equifax Ltd.. Consumer Service Centre, PO Box 10036, Leicester, LE3 4FS
Phone: 0800 014 2955 or 0333 321 4043

Experian Limited, Consumer Support Centre, PO Box 8000, Nottingham, NG80 7WF
Phone: 0344 481 0800 or 0800 013 88 88

Intellectual property rights

We are the owner or the licensee of all intellectual property rights in our site, and in the material published on it. Those works are protected by copyright laws and treaties around the world. All such rights are reserved.

You may print off one copy, and may download extracts, of any page(s) from our site for your personal use and you may draw the attention of others within your organisation to content posted on our site.

You must 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.

You must not use any part of the content on our site for commercial purposes.

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

No reliance on information

Although we make reasonable efforts to update the information on our site, we make no representations, warranties or guarantees, whether express or implied, that the content on our site is accurate, complete or up-to-date.

Limitation of our liability

Nothing in these terms of use excludes or limits our liability for death or personal injury arising from our negligence, or our fraud or fraudulent misrepresentation, or any other liability that cannot be excluded or limited by English law including our duties or any liability under the Financial Services and Markets Act 2000, as amended, ("FSMA") or any conduct of business rules developed pursuant to FSMA.

To the extent permitted by law, we exclude all conditions, warranties, representations or other terms which may apply to our site or any content on it, whether express or implied.

We will not be liable to any user for any loss or damage, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, even if foreseeable, arising under or in connection with:

  • use of, or inability to use, our site; or
  • use of or reliance on any content displayed on our site.

Please note that we only provide our site for domestic and private use. You agree not to use our site for any commercial or business purposes, and we have no liability to you for any loss of profit, loss of business, business interruption, or loss of business opportunity.

We will not be liable for any loss or damage caused by a virus, distributed denial-of-service attack, or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of our site or to your downloading of any content on it, or on any website linked to it.

We assume no responsibility for the content of websites linked on our site. Such links should not be interpreted as endorsement by us of those linked websites. We will not be liable for any loss or damage that may arise from your use of them.

Viruses

We do not guarantee that our site will be secure or free from bugs or viruses.

You are responsible for configuring your information technology, computer programmes and platform in order to access our site. You should use your own virus protection software.

You must not misuse our site by knowingly introducing viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not attempt to gain unauthorised access to our site, the server on which our site is stored or any server, computer or database connected to our site. You must not attack our site 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 site will cease immediately.

Personal Data & Marketing

As the Internet is not a secure medium of communication, MoneyHotshot.co.uk cannot guarantee the security of any information you input into our Website or send to us on the Internet. We will not be, responsible for any damages you or others may suffer as a result of the loss of confidentiality of any such information.

We process information in accordance with our Privacy Policy. We agree to keep confidential all information received from or about You. We will not pass this information on to anyone else without your permission, except in line with our Disclosure of your Information contained in our Privacy Policy. We may pass your information to lenders who may process your data outside the European Economic Area (EEA).

You will be provided with access to product information provided by carefully selected third party providers, including credit cards and loan products. We cant be held responsible for the content of this information or for the products provided by these third party providers. We do not guarantee that you will be accepted for any product regardless of your credit rating.

Third party links & resources in our site

Where our site contains links to other sites and resources provided by third parties, these links are provided for your information only.

We have no control over the contents of those sites or resources.

Warranties

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. moneyhotshot.co.uk 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.

Exclusions

We shall not in any circumstances be liable for any breach of obligation or decision not to lend to you by any lender, financier, bank, counterparty, intermediary or other third party with whom you attempt to do business. You will solely be liable for any direct and indirect losses you suffer in the event of being unable to obtain a satisfactory loan or finance offer.. We cannot take any responsibility for any additional credit searches you may incur as a result of us passing application to lenders or any of the effects these additional searches may have on your credit score.

Cancellation

You have a right to cancel your access to the portal at any time. However, as stated above your account and access to the portal will automatically be deactivated if you do not access the portal for a continuous period of 21 days.

If you wish to cancel your access to the portal you can notify us by email at customer.services@moneyhotshot.co.uk or in writing to Customer Service Department, Money Hotshot Limited, Manchester Business Park, 3000 Aviator Way, Manchester, M22 5TG.

Complaints

We aim at all times to provide you with an excellent service. If you are unhappy with our service for any reason, please contact our Complaints Team by writing to Money Hotshot Limited, Manchester Business Park, 3000 Aviator Way, Manchester, M22 5TG, by telephone on 0161 429 1699 or by email to complaints@moneyhotshot.co.uk.

We will aim to resolve your complaint within 24 hours. If we are not able to do so, we will provide you with an acknowledgement within 5 working days. After we have had an opportunity to investigate your concerns, we will issue you with a final response within 8 weeks. Depending on the nature of your complaint and if you remain dissatisfied with our response, you may have the right to refer your case to the Financial Ombudsman Service at Exchange Tower, London, E14 9SR. telephone: 0800 023 4567; email: complaint.info@financial-ombudsman.org.uk. We will advise you if this right of referral applies to you.

If you are unhappy with any product you have obtained from a third party or have any complaint regarding any third party, you should address your complaint directly to that third party. If you require their contact details, please contact us and we will be happy to assist.

Trade Marks

moneyhotshot.co.uk is a registered trademark of Money Hotshot Limited. Certain names, words, titles, phrases, logos, icons, graphics or designs to the pages of this website may constitute trade names or unregistered trademarks of Money Hotshot Limited. The display of any of the above trade names or trademarks on pages of this website does not imply that any licence has been granted to any third party in respect of the same. All rights not expressly granted herein are reserved

Governing Law

These Terms of Use and your access to and use of this Website shall be governed by English law.

Each party irrevocably agrees that the courts of England and Wales shall have exclusive jurisdiction to settle any dispute or claim arising out of or in connection with this Terms or its subject matter or formation (including non-contractual disputes or claims).

Contact us

To contact us, please email info@moneyhotshot.com

Thank you for visiting our site.