Terms & Conditions

1. Introduction

These Terms and Conditions ("Terms") govern your use of the QuickFinance.io website and services. By accessing our website or using our services, you agree to be bound by these Terms.

QuickFinance.io is a credit broker, not a lender.

2. Our Services

QuickFinance.io provides a credit broking service that connects businesses with funding partners. Our services include:

• Collecting information about your business and funding requirements
• Assessing initial eligibility based on information provided
• Introducing you to suitable funding partners
• Providing support throughout the application process

We do not make lending decisions. All funding decisions are made solely by our funding partners based on their own criteria.

3. Eligibility

To use our services, you must:

• Be at least 18 years of age
• Be a UK resident or operate a UK-based business
• Have authority to apply on behalf of the business (if applicable)
• Provide accurate and truthful information

4. Your Obligations

When using our services, you agree to:

• Provide accurate, complete, and up-to-date information
• Not provide false or misleading information
• Notify us of any changes to your circumstances
• Use the website and services lawfully
• Not attempt to gain unauthorised access to our systems

5. Commission and Fees

Our fee: We may receive a commission from our funding partners for successful introductions. This does not affect the amount you borrow or repay.

Funding partner fees: Interest rates, arrangement fees, and other charges are set by the funding partner and will be clearly disclosed in any offer you receive.

No upfront fees: We do not charge any fees for using our website or applying for funding.

6. Credit Checks

Initial eligibility checks are typically soft searches that do not affect your credit score. However, if you proceed with a full application, our funding partners may conduct a full credit check, which will be recorded on your credit file. You will be informed before any hard credit check is performed.

7. No Guarantee of Funding

We do not guarantee that you will receive funding or a particular funding offer. All decisions are made by our funding partners at their sole discretion. An initial eligibility indication is not a guarantee of approval.

8. Intellectual Property

All content on this website, including text, graphics, logos, and software, is the property of QuickFinance.io or our licensors and is protected by copyright and other intellectual property laws. You may not reproduce, distribute, or create derivative works without our written permission.

9. Limitation of Liability

To the fullest extent permitted by law:

• We are not liable for any indirect, incidental, or consequential damages
• We are not liable for decisions made by funding partners
• Our total liability is limited to the fees you have paid us (if any)
• We do not guarantee the accuracy of information provided by third parties

10. Regulatory Information

QuickFinance.io is authorised and regulated by the Financial Conduct Authority (FCA). Our FCA registration number can be verified on the FCA register at register.fca.org.uk. We are a member of a Financial Ombudsman Service approved dispute resolution scheme.

11. Governing Law

These Terms are governed by the laws of England and Wales. Any disputes will be subject to the exclusive jurisdiction of the courts of England and Wales.

12. Changes to Terms

We may update these Terms from time to time. Changes will be posted on this page with an updated "Last updated" date. Continued use of our services after changes constitutes acceptance of the new Terms.