Terms and Conditions.

1. About us

Swift Money Limited is a company registered in England under company number 07552504. Our registered office is Hamill House, 112 - 116 Chorley New Road, Bolton, BL1 4DH.

Swift Money Limited is authorised and regulated by the Financial Conduct Authority under firm reference number 738569. You can verify our authorisation on the FCA Register.

We are registered with the Information Commissioner's Office under registration number ZA069965.

When we provide a service to a customer, our obligation is only to that customer. If you use our service on behalf of a third party, our obligation remains to you as our direct customer. These terms apply to you alone, not to any third party on whose behalf you may be acting.

2. Our service limitations

Swift Money Limited is a credit broker, not a lender. We do not provide finance directly to customers. Our role is to match your application with lenders or providers of financial services from our panel.

Any examples of amounts available to borrow, repayment terms, or rates stated on our website are representative examples. They are published to help you understand the products available. They are not an offer of credit.

Representative examples do not guarantee what you will actually be offered by a lender. They are not a warranty. Because we do not provide the loan directly, we cannot control the rates offered to individual applicants.

The decision to offer any loan or financial product is made by the lender. Swift Money has no control over that decision. The lender will conduct its own assessment of each applicant before any offer is made. This assessment normally includes a review of your credit history.

3. Customer checks and referencing

When you apply through our website we do not perform a credit check. However, the lender that accepts your application may use fraud prevention and credit reference agencies to help them make their decision.

Credit checks help prevent fraudulent applications. By applying, you agree to the use of your data for the purpose of preventing fraud as well as verifying your identity.

All information you provide must be true, accurate, complete. Misleading information is a breach of these terms. It is also likely to breach any agreement you enter into with a lender. In serious cases, the provision of false information may result in criminal proceedings being brought against you.

If you authorise a third party to access our service on your behalf, any instructions given by that authorised third party will be contractually binding on you.

If you make a joint application with another person, each applicant will be treated as acting with the consent of the other. Any correspondence we enter into with one applicant will be treated as communication with both.

4. Information about you

We only process information about you in accordance with our Privacy Policy, which explains how we collect, store, protect your personal data.

When you use our website you consent to the processing of your information. You warrant that all information you provide is accurate, correct, up to date.

5. Communication

Unless you tell us otherwise, we may contact you by telephone, SMS, post, or email to provide information or alerts about our services or those of our associate companies.

If at any point you need further information about a regulated credit agreement you have entered into with a lender, please contact us at support@swiftmoney.com or visit our contact page.

6. Using our website

Swift Money Limited reserves the right to amend or remove the service we provide without prior notice.

Your access to our website is provided on a temporary basis. We cannot be held liable if our website is unavailable for any period of time.

You are responsible for ensuring that all parties who access our website through your internet connection are aware of these terms. You are solely responsible for arranging your own internet access.

We may update our website content at any time. Access may be suspended during updates. Although we aim to keep information current, there may be occasions where material is out of date. We are under no obligation to update it.

7. Restricted access

From time to time you may experience restricted access to our website. This may apply to the entire website or to specific areas. This applies to customers who have already registered with us.

Any unique username, access code, or password issued to you for security purposes must be kept strictly confidential. You must not disclose it to any third party. If we have reason to believe that this has been breached, we reserve the right to disable the affected credentials.

8. Intellectual property

All copyright in the material on this website is owned by Swift Money Limited. It is protected by the copyright laws of the United Kingdom. You may copy information for your own personal use only. You may not republish, store, or reproduce any of the material in any form, whether electronic or otherwise, without our prior written consent.

Any unauthorised downloading, retransmission, copying, or modification of the contents of this website may breach statutory or common law rights. It may be the subject of legal action. Swift Money Limited disclaims all liability that may arise from any unauthorised use of the information on this website.

9. Material on our website

All logos, names, images, information used on this website that relate to Swift Money are provided on an "as is" basis. Any other material or commentary posted on our website is not intended as advice.

We accept no responsibility or liability for any material on our website, nor for any person who visits our website or who is informed of its content. The articles, guides, information on this website are for general information only. They should not be treated as advice.

10. Links from our site

Links on our website to third-party websites or resources are provided for your information only. We do not accept responsibility for them, nor for any loss or damage arising from your use of them.

11. Liability

To the extent permitted by law, we exclude any liability for any direct, indirect, or consequential loss or damage incurred by any user in connection with our website, the use of our website, the inability to use our website, or the results of using our website. This includes any websites linked to it, any materials posted on it.

This exclusion covers, without limitation, any liability for loss of income or revenue, loss of business, loss of profits or contracts, loss of anticipated savings, loss of data, loss of goodwill, wasted management or office time. It applies to any other loss or damage of any kind, however arising, whether caused by tort (including negligence), breach of contract, or otherwise, even if foreseeable.

This exclusion shall not prevent you from making claims for loss of or damage to your tangible property, nor for direct financial loss not otherwise excluded above.

Nothing in these terms limits our liability for death or personal injury arising from our negligence, for fraudulent misrepresentation, or for any other liability that cannot be excluded or limited under applicable law.

12. Exclusions

Our obligations under these terms do not extend beyond our agreement with you. They do not include any obligation to a counterparty, intermediary, bank, or other third party connected to you.

You accept full responsibility for any loss or damage incurred as a result of incorrect or misleading information you provide to us.

We will not be held liable for any loss arising from matters beyond our reasonable control. This includes changes in law or regulations that affect our normal operations.

Apart from provisions that expressly cover associate companies, nothing in these terms is enforceable by any person who is not a party to them.

13. Viruses, hacking, other offences

You must not misuse our website by knowingly introducing viruses, trojans, worms, logic bombs, or other malicious or technologically harmful material. You must not attempt to gain unauthorised access to our website, the server on which it is hosted, or any server, computer, database connected to it. You must not attack our website by means of a denial-of-service attack or distributed denial-of-service attack.

Breaching this provision is a criminal offence under the Computer Misuse Act 1990. We will report any such breach to the relevant law enforcement authorities. 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 website will cease immediately.

We will not be liable for any loss or damage caused by a distributed denial-of-service attack, viruses, or other technologically harmful material that may infect your computer equipment, programs, data, or other proprietary material as a result of your use of our website or your downloading of material from it.

14. Governing law and jurisdiction

These terms, any dispute or claim arising out of or in connection with them or their subject matter or formation (including non-contractual disputes or claims), are governed by the laws of England and Wales. If you are resident in Scotland at the time of entering an agreement with us, they are governed by Scots Law.

The English courts (or Scottish courts if you are resident in Scotland) have exclusive jurisdiction over any claim arising from or relating to a visit to our website. We retain the right to bring proceedings against you for a breach of these terms in your country of residence or any other relevant country.

15. Changes to these terms

We may update these terms and conditions from time to time. Any changes will be posted on this page. You are responsible for checking this page regularly so that you are aware of any changes. Continued use of our website after any change constitutes your acceptance of the updated terms.

Some of the provisions in these terms may also be supplemented or replaced by notices or provisions published elsewhere on our website.

16. Governing language

The governing language of this agreement, as well as any communication between you and Swift Money Limited, is the English language.