Generally, Terms and conditions is a statement which includes rules by which one must agree to abide in order to use the services offered. This statement of agreement is very long. Hence, we have prepared a gist of the agreement for your convenience. Customer Satisfaction is our top priority.
Please find below some key points of the agreement:
LoanTube is a trading style of Tiger Lion Financial Limited. Tiger Lion Financial Limited is based in London as a credit broker.
We carry out the business of credit brokerage in the United Kingdom. Our Company does not provide any loans or make any credit decisions.
LoanTube is one-of-a-kind loan brokering firm which operates in the United Kingdom.
By calling ourselves “one-of-a-kind”, we mean it (we are not being repetitive here, but we are just ringing a bell). Now, you must be thinking that why are we claiming to be different? You’ve hit the bull’s eye. Everything about us is different in its own way. Right from the website, its content, and the services we offer.
We do not operate like other loan comparison sites. Here at LoanTube, we place paramount importance in maintaining transparency and your trust.
LoanTube works as a comparison platform which compares actual APRs (Annual Percentage Rate) and monthly repayments from multiple lenders to ensure that you are not opting for any loan under a deception, and that you have multiple loan options to choose from. This real-time loans comparison marketplace has a proprietary loan matching engine which connects the borrowers with the suitable lenders. Any match made by LoanTube with any lender does not constitute any obligation on your side to accept the quotes offered by such lender/s. After receiving the quotes on the screen, it is totally your decision to accept any of them after reading the subjected conditions for such offered APRs and the features associated with such lender’s loan offer. Post acceptance of the quote, the processing of your loan application is between your and the lender’s control. You still have the chance to cancel or deny to proceed with that lender before you have signed any agreement or contract with that lender.
The APRs and monthly repayments showed on our website, post processing of your loan application by us and our partners(hyperlink to Our Partners page) which include lenders, brokers and other third party service providers, are the rates which in some cases are guaranteed and in some cases are only indicative, i.e estimated. In cases where it’s mentioned the rates are Guaranteed, we guarantee the rates to remain same post completion of your application with the lender unless otherwise the lender find some substantial information or any variance of the information provided which can make you look more riskier to the lender/s and thus they have to increase the rates/APRs to justify the additional risk found. At this stage you can opt to not to proceed with such lender. You are free to do that. In adverse cases where your application looks very riskier to lender at the time of making final checks, they can decline it and deny to give you the loan.
Beyond offering you the initial quote on our website and your acceptance to it, lender may still perform a detailed credit check to see your credit history, verify you income & expenses, check your eligibility, affordability and your credit worthiness, check the information of yours’, your financial associates’ and any person linked to you in any way on all addresses you have resided on or linked to or associated to in any way. Your acceptance to use our service and to proceed with/acceptance to any quote gives us the right to authorise our partners to do so. We do not accept any responsibility for any of our partners or third party websites for any loss or damage that may arise from your use of their products & services, either directly or indirectly through us or independently.
In short, where mentioned “Guaranteed rates”, it means what you see on our website is what you get in real. There are some exceptions to this including where there is some adverse or hidden information about you, your financial associate or any linked person is found by the lender during the detailed processing of your loan application while doing the full checks.
Our comparison service is free for you to use. We receive a fee or commission from lenders when you use us to find you a loan. Our customer service team is available to support you with any queries.
LoanTube does not promise that completing an Application Form will result in you receiving a loan. Your request is not an application for credit from a specific lender or lenders but an expression of your interest in our service to find you a suitable loan by comparing multiple loan deals received from our partner lenders and other partner credit brokers/service providers, out of which some may have the real rates.
Any Representative APR examples or loan terms on our website and on our partners’ websites are for demonstrative purposes only. They may or may not be available to you.
To check the list of our websites, our lending partners & other third party companies we work with, click here, Our Partners
We reserve the right to amend, revise or update these Terms and conditions from time to time by revising this page. The amended, revised or updated Terms and conditions will be effective from the date they are posted on our website.
Post any amendment, revision or update, if you continue using our website, it will indicate that you have accepted the revised Terms and conditions.
We reserve the right to withdraw or amend the service we provide on our Site without notice. We will not be liable if for any reason our Website is unavailable at any time or for any period.
Our website is for your personal use only and you must not use it in any unlawful or fraudulent manner.
By submitting or completing the loan Application Form, on our website or on any of our partner’s website, you authorise us to transmit your information to our Partners to process your personal information and perform the checks necessary to find you a loan quote.
You understand that these checks may include contacting, and providing your information to, Credit Reference Agencies (CRAs), fraud and money laundering preventing agencies, accessing the electoral register and other publicly available information about you. These agencies may keep a record of your information; and may disclose that information, and the fact that a search was made, to its other customers/partners for the purposes of assessing the risk of giving credit, to prevent fraud and to trace debtors.
We work together with Equifax Limited (“Equifax”), a credit reference agency, to make our services available to you. A credit reference agency is a company that collects personal information from various sources and provides that personal information to banks, lenders, aggregators, comparison websites, credit brokers and other financial and non-financial institutions to help them make credit decisions and check eligibility of the customers.
The partners we work with may also use credit reference agencies when they assess your eligibility for their products/services.
We and our partners carry out the “soft credit search” on your personal information which you have provided during filling up the loan application form. A ‘soft credit search’ or, as it is sometimes referred to, ‘quotation search’ is a search conducted by us and our partners, that helps us to identify and match you to the right lender/s and it helps our partners or providers to determine whether or not they are able to provide you or get you the loan product or their services they offer. Unlike a ‘hard’ credit search, a soft credit search is recorded on your credit file, but only you can see it, rather than any third-party finance provider. A ‘soft credit search’ does not impact your credit worthiness i.e it doesn’t harm credit rating or affect the way lenders see you.
Our soft credit search or the quotation search will be conducted via Equifax, while our partners may use any of the credit reference agencies, such as Experian, TransUnion or Equifax.
You may see these soft searches as ‘footprints’ on your credit report in either our name, LoanTube or Tiger Lion Financial, or in the name of one or multiple of our partners. Soft searches on your credit file can be given different markings, depending on their purpose, such as:
* Anti-Money Laundering
* Consumer Credit File Request
* Identity Check
* Quotation Search/Preliminary Search
You may see multiple footprints of Soft Searches on your credit report, i.e credit file, as there will be multiple searches carried out, by us and by our partner lenders, as a result of yours using our services.
Here are some examples of footprints you might see on your credit file as a result of using our services:
To see the full list of our websites, our lending partners & other third party companies we work with, click here, Our Partners
Our website, the content, any materials downloaded, and all intellectual property pertaining to or contained on our website (including but not limited to copyrights, patents, database rights, graphics, designs, text, logos, videos, illustrations, trade dress, trademarks, patents and service marks, (collectively ‘the Content’) is owned by Tiger Lion Financial Limited and all such rights are reserved.
Trade Mark Application No. UK00003238786
Without our written expressed permission or authorisation,
You are not allowed & not authorised to:
You are allowed & authorised to:
Any act done by you, for which you were required to seek written expressed permission and authorisation, if done without our written authorisation and permission, can result in a legal action against you.
Requests for permissions and authorisation should be directed to firstname.lastname@example.org or Tiger Lion Financial Limited, 71-75 Shelton Street, Covent Garden, London, England – WC2H 9JQ, United Kingdom.
In order to familiarise yourself with the details of the service, it is advisable to go through the Terms and Conditions, Privacy & Cookies Policy of the provider/lender/partner/third party.
We do not accept any responsibility for any of our partners or third-party websites for any loss or damage that may arise from your use of them. Therefore, you are advised to use any of our partners or third party websites after carefully reading their Terms & Conditions, Privacy & Cookies Policies. We do not have any control on any content or resources for such third parties, their products or services, their websites or for any information, opinions or views given or advice provided by such third parties.
You can check the list of our websites, our lending partners & other third party companies we work with, by clicking here, Our Partners
The following organizations may link to our website without prior written approval:
Any links to third party websites on our websites or in our emails are provided for your information, for your interest and convenience only. By providing the links we don’t approve, endorse or make any representations about any such third-party websites or any material found on them or your use of that material. If you use these links, you leave our website. You access third-party websites and resources entirely at your own risk.
Any link to our website from any third party website is controlled by such third party only. You are advised to use any of our partners or third party websites after carefully reading their Terms & Conditions, Privacy & Cookies Policies. We do not have any control on any content or resources for such third parties, their products or services, their websites or for any information, opinions or views given or advice provided by such third parties. We do not accept any responsibility for any of our partners or third party websites or any content available on any of our partner or third party website, for any loss or damage that may arise from your use of them.
You can check the list of our websites, our lending partners & other third party companies we work with, by clicking here, Our Partners .
The material displayed on our website is provided without any guarantees, conditions or warranties as to its accuracy. To the extent permitted by law, we, our partners and third parties connected to us hereby expressly exclude:
In simpler words, we do not accept responsibility or liability for any loss or damage you may incur (whether directly or indirectly) in the following circumstances:
This does not affect our liability for death or personal injury arising from our negligence, for fraudulent misrepresentation or misrepresentation as to a fundamental matter, for other matters which cannot be excluded or limited under applicable law including but not limited to the Financial Services and Markets Act 2000, as amended, (“FSMA”) or any conduct of business rules developed pursuant to FSMA.
If LoanTube is liable to you directly or indirectly in relation to this Site, any Third Party Websites, links to Third Party Websites, information on the Site or any products or services offered on or through this Site or Third Party Website, that liability (howsoever arising) shall be limited to £100.
We do not give any warranty that ours’, our partners’ or third party’s websites are free from viruses or worms which may have a harmful effect on any technology or device being used while browsing through our website.
By using our website, you agree to defend, indemnify, and hold harmless our company from and against any and all losses, claims, damages, costs and expenses (including reasonable legal and accounting fees) that we may become obligated to pay to arise or resulting from your use of Our Website, Our Partners’ websites & Third Party’s Websites, the Content, or your breach of these Terms and conditions.
We reserve the right to assume or participate, at your expense, in the investigation, settlement, and defence of any such action or claim.
Our service allows you to search & compare various type of loan products provided by Our Partners. You will need to answer a number of questions on the websites in order to compare or obtain a quote for any desired product. These questions are designed to ensure that we and all relevant partners/providers have all the information necessary to deliver you with appropriate and timely information relating to the products.
It is therefore very important that you answer all of the questions truthfully, completely and accurately and that you disclose all relevant facts.
In case, you have provided wrong information unintentionally, we request you to send us an email at email@example.com and we will update your corrected information with your consent.
You must take all reasonable precautions (including using appropriate virus checking software) to ensure that any information, content, material or data you provide (including User Content) is free from viruses and worms which may have a harmful effect on any part of our website or the websites of our partners & third parties or any other technology.
If you create any usernames and passwords when using our website, they must be kept confidential by you and must not be shared with anyone. You are solely responsible for any activity or activities are undertaken on our website using your usernames and passwords. It is a sincere request to keep it safe and secured.
The information on our website is not intended to be construed as financial or other advice. It is provided to help you find the product or service that you consider the most appropriate for your circumstances. If you think you need financial advice, you should contact a registered and qualified Independent Financial Adviser (IFA).
You must not misuse our website 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 website, the server on which our Website is stored or any server, computer or database connected to our website. You must not attack our website 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 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, computer programs, data or other proprietary material due to your use of our website or to your downloading of any material posted on it, or on any website linked to it.
You must not establish a link from any website that is not owned by you.
Our website must not be framed on any other site, nor may you create a link to any part of our website other than the home page. We reserve the right to withdraw linking permission without notice.
If you wish to make any use of material on our website other than that set out above, please contact us on our contact us on any of the following methods:
Telephone: 0208 088 1313
Post: Tiger Lion Financial Limited, 71-75 Shelton Street, Covent Garden, London, WC2H 9JQ.
The services and products that we provide on our website are intended for those over 18 years of age only, and information contained on our website does not amount to an invitation to clients who are under 18 to buy any services or products. All transactions for the supply of services concluded through our website are governed by the Terms and conditions.
Your use of our website and these Terms and conditions (including any dispute or claim arising out of or in connection with our website, our partners & third parties) are governed & interpreted by the Laws of England and Wales whose courts have exclusive jurisdiction of any disputes that may arise under or in connection with the Terms and conditions .
You agree to submit to exclusive jurisdiction if you violate or breach any Terms and conditions while accessing our website.
We retain the right to bring proceedings against you for breach of these Terms and conditions in your country of residence or another relevant country.
This agreement is in English and all communications between you and us will be in English.
If any provision of these terms and conditions is found to be unlawful, invalid or unenforceable, that provision shall be deemed deleted from these terms and conditions and shall not affect the validity or enforceability of the remaining terms and conditions.
No failure or delay by us in exercising any of our rights under these terms and conditions shall constitute a waiver of that right nor will any single or partial exercise by us of any right preclude any further exercise of any right.
We are constantly evolving and learning. Hence, we would request you to drop your feedback, suggestions to us so that we can improve our services. If you are not happy with our services, please contact us, and allow us to offer you a concrete resolution. To know more how we handle the complaints, please read this page Complaints Procedure
Our Contact Details :
Email for complaints : firstname.lastname@example.org
Email for other queries: email@example.com
Telephone: 0208 088 1313
Post: Tiger Lion Financial Limited, 71-75 Shelton Street, Covent Garden, London, England – WC2H 9JQ, United Kingdom.
We’d love to serve you!
Last Updated: October 2023