TERMS AND CONDITIONS
Terms & Conditions
Use of this Site constitutes acknowledgement that You have read, understand, and are in agreement
with this Company’s Terms & Conditions. These Terms & Conditions apply to www.loancat.co.uk (also
referred to as ‘Company’ or ‘Site’). It notifies you (also ‘You’ and/ or ‘Your’) about the terms and
conditions of our services. Please read these Terms & Conditions in full before using this Site. If
you do not agree with this Company’s Terms & Conditions, do not continue to use this Site or seek
its services.
Services
www.loancat.co.uk is NOT a lender and does not broker loans. This Company seeks to pair You with
prospective lenders and does not guarantee that You will be offered a Cash Advance. We also do not
guarantee the amount of your Cash Advance. The information from your request form may be shared with
more than one lender.
Your use of this Company’s services includes providing relevant and necessary information which may
include, but is not limited to your name, date of birth, telephone number, physical address, Social
Security number, driver’s license number and state, email address, employment information, active
military information, information about home ownership, citizenship status, frequency and amount of
paychecks, and information about your banking account. This information will be used to pair you
with Cash Advances and loan products. Submitting your information to this Site also means You are
allowing this Company and third party lenders to contact You about loans and related products and
services.
Once your information is submitted, it will be reviewed by third party lenders who will then
determine if You meet their requirements for a loan. These lenders may seek to verify your identity
and may perform a credit check through a credit bureau. Submission of your information constitutes
an agreement for your information to be used in these ways. If You are found to be eligible for a
Cash Advance, You will be redirected to a new page with the lender’s information or redirected to
the third party site.
This Company cannot guarantee that the loan offers that You will receive are the best available.
Also, this Company cannot guarantee the product, price, rates, fees, availability or any other terms
of a third party’s loan products and services. This Company is not involved with an agreement you
may enter into with a third party lender. Your interactions with your lender are governed by their
Privacy Policy, terms, conditions, and other policies. Questions, issues, and problems regarding
your loan agreement should be directed to your lender, and not to this Company.
Telephone Consumer Protection Act Compliance
By submitting your information to this Site, you are providing your express written consent under the
Telephone Consumer Protection Act to receive telemarketing calls, text messages, SMS messages, or
other communications as governed by TCPA, whether from this Site or from any of the third party
companies that this Site does business with.
Authorized Use
The Company authorizes You to use this Site only for personal and non-commercial use as permitted by
law. The Company strictly prohibits all other uses, including but not limited to the duplication,
copy, reproduction, sale, resale, use, access, or additional exploitation of any material from this
Site for any commercial reasons and purposes.
Intellectual Property Rights
The content of this Site is protected by applicable copyright laws in the United States and other
countries. As such, use of this Site and this Company’s services confers no intellectual property
rights on You. Content of this Site may not be used without the written permission of the Company
who retains the copyright to this Site. All logos, trademarks, and service marks (referred to
collectively as ‘Trademarks’) that are displayed on this Site are Trademarks of this Company, both
registered and unregistered. Use of Trademarks in a manner which does not conform to these
guidelines without the written permission of the Company is not allowed.
Disclaimer of Warranties
ALL INFORMATION, CONTENT, PRODUCTS, AND SERVICES FOUND ON THIS SITE ARE OFFERED ‘AS IS’ AND YOU
ACCESS THEM AT YOUR OWN RISK. THIS COMPANY DISCLAIMS ANY WARRANTY, EITHER IMPLIED OR DIRECTLY STATED
REGARDING THIS SITE INCLUDING, BUT NOT LIMITED TO INFORMATION, CONTENT, PRODUCTS, AND SERVICES. THIS
COMPANY PROVIDES NO WARRANTY CONCERNING THE RESULTS AND EFFECTIVENESS OF THIS SITE OR ITS
INFORMATION, CONTENT, PRODUCTS, AND SERVICES. USE OF THIS SITE IS AT YOUR OWN RISK. THIS COMPANY
DOES NOT GUARANTEE, WARRANT, OR REPRESENT, THAT ALL SERVICES WILL MEET YOUR REQUIREMENTS. THIS
COMPANY MAKES NO GUARANTEES THAT SERVICES WILL BE TIMELY, UNINTERRUPTED, SECURE, OR ERROR-FREE. NO
GUARANTEES ARE MADE REGARDING FUNCTIONALITY OR DEFECTS IN THE OPERATION OF SERVICES OR RELATED
SOFTWARE OR THAT ERRORS WILL BE CORRECTED. THIS COMPANY ALSO DOES NOT GUARANTEE, WARRANT, OR
REPRESENT, THAT THIRD PARTY SERVICES WILL MEET YOUR REQUIREMENTS. THIS COMPANY MAKES NO GUARANTEES
THAT THIRD PARTY SERVICES WILL BE TIMELY, UNINTERRUPTED, SECURE, OR ERROR-FREE. NO GUARANTEES ARE
MADE REGARDING FUNCTIONALITY OR DEFECTS IN THE OPERATION OF THIRD PARTY SERVICES OR RELATED SOFTWARE
OR THAT ERRORS WILL BE CORRECTED.
Limitation of Liabilities
THIS COMPANY SHALL NOT BE HELD LIABLE OR RESPONSIBLE FOR DIRECT, INDIRECT, EXEMPLARY, CONSEQUENTIAL,
INCIDENTAL, PUNITIVE, OR SPECIAL DAMAGE RESULTING FROM YOUR USE AND/ OR ACCESS TO THIS COMPANY’S
SITE OR SERVICES. THE FULL AND TOTAL LIABILITY, AS PERMITTED BY LAW, OF THIS COMPANY FOR CLAIMS
RESULTING FROM YOUR USE AND/ OR ACCESS TO THIS COMPANY’S SITE OR SERVICES – WHETHER IN WARRANTY,
CONTRACT, STRICT LIABILITY, TORT, OR OTHERWISE – IS LIMITED TO THE AMOUNT PAID BY YOU (IF ANY) TO
USE AND/ OR ACCESS TO THIS SITE.
Third Party Links
Following third party links found on this Site is done at Your own risk. Inclusion of third party
links on this Site does not constitute this Company’s recommendation for or endorsement of their
products and services. These links are intended for convenience and reference, and this Company is
not responsible for content, information, software, or any other materials made available on third
party sites.
Third Party Dealings
Dealings with third parties which result from use of this Site is done at Your own risk. Any
transactions conducted between You and any third parties are not the responsibility of the Company.
These transactions may include, but are not limited to, products, services, payment, conditions,
warranties, or any terms and conditions. This Company cannot be held responsible for your dealings
with these third parties.
Disputes and Resolution
Any dispute originating from or related to Your use and/ or access to this Site and its services in
which you deem this Company to have liability is governed by the state of California. Disputes will
be settled exclusively and finally by arbitration according to the effective commercial arbitration
rules of the American Arbitration Association at the time of the dispute in Los Angeles. The
arbitrator shall have the power and authority to award damages connected with a Dispute which may
not exceed actual compensatory damages and shall not multiply actual damages or award consequential,
exemplary, or punitive damages. In addition, each party irrevocably waives any claim thereto. Any
award shall be conclusive and final. An arbitration agreement should not be understood as an
agreement to the consolidation or joinder of an arbitration under this agreement with an arbitration
of claims or disputes of any non-party, regardless of the nature of the disputes.
The Terms provided herein state that all disputes between You and this Company will be resolved
through arbitration. As a result, You forego your right to assert or defend your rights or go to
court. You also forego the right to be part of or originate a class action suit. Your applicable
rights will be decided by neutral arbitrators, not by a court of law, judge, or jury. By using this
Company’s Site and services, you agree to these restrictions and conditions. If the arbitration
provisions contained herein become unenforceable or inapplicable, or in the event of any lawsuit
between You and this Company or its Site, You agree fully that jurisdiction of this and any suit
shall rest exclusively in the federal and state courts in California. You also fully agree that any
actions or claim related to use of this Site or this Company’s services must be filed within one (1)
year after the said action, cause, or claim, or be forever barred.
Indemnification
Use of this site constitutes an agreement to hold this Company blameless against any and all
liability, expenses, loss, damages, actions, suits, claims, and proceedings, including, without
limitation, reasonable attorneys’ fees and relevant costs, stemming from or related to any cause of
action, allegation, claim or involving, without limitation, Your unauthorized or unlawful use of
this Site and/or this Company’s services.
Entire Agreement
The entire agreement between this Company and You are contained in these Terms & Conditions.
Modification
This Company retains the right to modify our Terms & Conditions or to add additional terms and
conditions at any time. Notification of modifications and/or additions will be clearly posted on
this Site where the Company deems it to be appropriate. All modifications and additions are
effective immediately. If You disagree with any modified or additional terms and conditions, You are
not obligated to use this Site or its services.
Non-Waiver; Severability
Any failure on behalf of the Company to enforce these Terms & Conditions does not constitute the
Company’s right to continue to enforce these Terms & Conditions. In the event that any of the Terms
& Conditions are deemed to be illegal, invalid, or unenforceable, such terms and conditions will be
nullified. Remaining terms and conditions will remain in full effect.