Please read the details set out below carefully before using this website (the "Site"). By accessing this Site, you agree to be bound by the following terms and conditions and disclaimers (the "Terms"). References to 'you', 'your' and 'yours' are references to the person(s) accessing the Site. References to 'we', 'us' and 'our' are references to Star Loans, which is based in the United Kingdom. Loans issued and repayments made will only be in English Pounds (Sterling).

Star Loans aims to ensure all information we maintain is: current fit for the purpose intended complete accurate Star Loans and its employees cannot accept responsibility or liability for any claim, loss or damage whatsoever from the use of any information on this Site, or accessed through this Site The accuracy, completeness, fitness for purpose or currency of any content is not warranted or guaranteed Star Loans is not responsible for the content of other websites linked to this Site Your use of information on this Site or materials linked from this Site is at your own risk Use of this Site and these terms are subject to the laws of England which shall exclusively govern the interpretation, application and effect of all the above permissions, exclusions, licences and conditions of use and shall be construed in accordance with the laws of England and the parties submit to the exclusive jurisdiction of the English courts It is hereby asserted that the Website is intended for and directed at the UK and no representation or warranty is made as to whether the Site complies with the regulatory regime and local laws of any other countries If you find anything which could improve the quality of information on our Site, please contact us at: E-mail: info@starloans.co.uk Telephone: 0845 066 8880 FAX: 020 8959 5200 Post: Star Loans, PO Box 37627, London, NW7 2XD

TERMS

The information, material and content provided in the pages of the Site may be changed at any time without notice. Changes may be made to the Terms at any time without notice by updating this posting. You agree to review the Terms regularly and your continued access to or use of the Site will mean that you agree to any changes.

NO OFFER

Neither the information, nor any opinion contained in our Site constitutes an offer to sell or solicitation or an offer to buy any financial instruments or any advice or recommendation with respect to such financial instruments.

USERS

The Site is currently intended for those who access it from within the United Kingdom. Because of this we cannot guarantee that the Site or the information thereon complies with or is appropriate for use in other places.

You are wholly responsible for use of the Site by any person using your computer and you must ensure that any such person complies with these Terms.

NO WARRANTIES

The following clauses exclude or limit our legal liability for the Site. You should read them carefully.

Whilst we have taken reasonable steps to ensure the accuracy, currency, availability correctness and completeness of the information contained on the Site, information is provided on an "as is", "as available" basis and we do not give or make any warranty or representation of any kind, whether express or implied. The use of the Site is at your sole risk. We shall not be liable for any loss or damage whatsoever and howsoever arising as a result of your use of or reliance on the information contained on the Site to the maximum extent permitted by law.

We do not represent or warrant that the Site will be available and meet your requirements, that access will be uninterrupted, that there will be no delays, failures, errors or omissions or loss of transmitted information, that no viruses or other contaminating or destructive properties will be transmitted or that no damage will occur to your computer system. You have sole responsibility for adequate protection and back up of data and/or equipment and for undertaking reasonable and appropriate precautions to scan for computer viruses or other destructive properties.

We make no representations or warranties regarding the accuracy, functionality or performance of any third party software that may be used in connection with the Site.

THIRD PARTY SITES

Where we provide hypertext links to other locations on the Internet, we do so for information purposes only. We are not responsible for the content of any other websites or pages linked to or linking to this Site. We have not verified the content of any such websites. Following links to any other websites or pages shall be at your own risk and we shall not be responsible or liable for any damages or in other way in connection with linking. Links to downloadable software sites are for convenience only and we are not responsible or liable for any difficulties or consequences associated with downloading the software. Use of any downloaded software is governed by the terms of the licence agreement, if any, which accompanies or is provided with the software.

No endorsement or approval of any third parties or their advice, opinions, information, products or services is expressed or implied by any information on our Site.

INTERNET E-MAIL

Messages sent over the Internet cannot be guaranteed to be completely secure as they are subject to possible interception or loss or possible alteration. We are not responsible for them and will not be liable to you or anyone else for any damages or otherwise in connection with any message sent by you to us or any message sent by us to you over the Internet.

DATA PROTECTION

We may as a result of your interaction with the Site hold and process personal information obtained about you when you access the Site and use it for servicing our relationship with you, for the purposes of fraud prevention and debt collection, to understand your financial needs, to conduct our business and to provide you with better customer services and products from both Star Loans and those of selected third parties, to evaluate the effectiveness of our marketing of the Site and for statistical analysis. We may pass this information to other members of the Star Loans group or agents, as permitted by law so that they may do the same and they may pass information held by them about you to us so that we may do the same. We will not disclose any such information outside of the Star Loans group except for fraud prevention purposes and/or if required/obliged by law or Governmental or judicial bodies or agencies or to our regulators under proper authority, or under a strict code of secrecy to sub-contractors or persons acting as our agents or where we have your consent or have previously informed you.

GOVERNING LAW

The Terms are governed by and interpreted in accordance with the laws of England and Wales and the courts of the above jurisdiction will have non-exclusive jurisdiction in respect of any dispute, which may arise.

LOAN INFORMATION

All loans are agreements regulated by the Consumer Credit Act 1974, which lays down certain requirements for your protection, which should be complied with when agreements are made. If they were not, the creditor (Star Loans) cannot enforce the agreement against you without obtaining a court order.

Written quotations are available on request. All lending is subject to appraisal of the applicant's financial status. To apply, you must be at least 18 and a UK resident (excluding the Channel Islands and the Isle of Man). APR details are correct at time of publication. Certain purposes of loan may be excluded or have limited repayment periods. The rate you are offered will depend on credit assessment procedures, your personal circumstances and other related factors.

Terms of agreements will be clearly disclosed to you before you sign the agreement. You will agree to pay the Total Amount Payable on the agreement by the instalments and at the times stated. If two or more of you sign the agreement as the Borrower, you are liable jointly and severally, that is together as well as separately.

If the loan is secured by a Legal Charge over your property, normally your main residential address, you must sign and have witnessed the Legal Charge as a separate document accompanying the agreement.

Products and offers are subject to conditions and can be withdrawn without notice.

EARLIER PAYMENT OF YOUR LOAN

You have the right to repay your loan at any time during the repayment period by giving notice in writing. To do this, you will need to pay off the amount you owe under your agreement which may be reduced by a rebate (reduction) of part of the interest.

RETURN, REFUND AND CANCELLATION POLICY

You have the right to cancel in writing up to 14 days after the loan has been issued. Should you have already received the loan funds, you will be charged interest on a pro rata basis from the date of issue until funds are cleared in our bank account.

You have the right to a refund or return of loan repayments accidentally or unintentionally made to us or collected by us. Refunds will be made as soon as practicable but normally within five working days of us being informed.

DELIVERY POLICY

Our loan agreement will only come into force when both you and we or our authorised representative have signed it. When the loan is made we will open an account in your name(s) and debit it with the Total Amount Payable.

The loan (Amount of Credit) will be delivered to you by transfer into your bank account, cash or by another mutually agreed method.

Once your loan application has been approved “in principle” and subject to our usual underwriting criteria, your loan will be issued within five working days of receipt of all the required documentation.

ANNUAL PERCENTAGE RATE

APR is a standard calculation used across the whole UK finance industry. It is a percentage calculation which lets you compare different forms of credit (i.e. loans, mortgages or credit cards) to help you decide on the best value. The APR takes into account interest as well as fees and charges.

TYPICAL APR

A "typical" APR is the APR offered to two-thirds (67%) of borrowers. The actual APR you are charged is subject to status so you might not qualify for the typical APR. The lender will assess your circumstances, such as your income, how much you can afford to repay, the relative security of your job, whether you're on the electoral roll and your credit history.

 

Star Loans’ typical APRs are as follows:

Secured loans – typical 19.9% APR variable.

 

Unsecured loans – typical 46.9% APR variable.

COMPLAINTS

Star Loans is committed to providing the highest standard of customer service to all our customers. However, in the unlikely event of a complaint, we will do everything possible to ensure it is dealt with quickly and fairly.

How to complain by telephone: Please contact 0845 066 8880. If our Customer Advisors are unable to resolve your complaint, we will arrange for the relevant person to investigate the complaint.How to complain by letter, e-mail or fax: Please write to, e-mail or fax Customer Feedback at the address provided above.

FINANCIAL OMBUDSMAN SERVICE

The Financial Ombudsman Service provides consumers with a free, independent service for resolving disputes with financial firms. If we have been unable to resolve your complaint within 8 weeks, you can refer your complaint to the Financial Ombudsman Service.

Or, if all reasonable avenues to resolve your complaint have been exhausted, we will send you a "final response" letter. This will allow you to refer your complaint to the Financial Ombudsman Service, who, once contacted, will liaise with Star Loans on your behalf. The Financial Ombudsman Service will then inform you directly of their decision.

The Financial Ombudsman Service contact details are:

The Financial Ombudsman Service
South Quay Plaza
183 Marsh Wall
London E14 9SR
Telephone enquiries: 0845 080 1800
Fax enquiries: 0207 964 1001
E-mail: enquiries@financial-ombudsman.org.uk