Below is a summary of some key Terms of these Terms and Conditions. This summary is for your reference only and does not form part of the Terms and Conditions.
cheaploans.co.ukis a registered Trading Name of TFLI (US) INC who is an Appointed Representative of TFLI Limited who acts as a credit broker, not a lender, and is entered on the Financial Services Register under reference number: 723630.
TFLI (US) INC is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register under reference number: 946605. TFLI (US) INC is registered in the United States of America (Company number P20000059850). Registered Office: 5805 Blue Lagoon Drive Suite 200. Miami, Florida, 33126. Licenced by the Information Commissioner's Office, Registration Number ZB053626).
For the purposes of these Terms and Conditions, references to "we", "us", "our" or "Site" are to Light Finance is a registered Trading Name of TFLI (US) INC is an Appointed Representative of TFLI Limited.
In these Terms & Conditions:
We reserve the right to amend these Terms and Conditions from time to time by amending this page. The amended Terms and Conditions will be effective from the date they are posted in the Site.
If you have any questions about these Terms and Conditions or would like to contact us for any other reason, you can reach us:
By Post: TFLI US INC, Customer Service Department, The Old Boiler Room, Adelphi Mill, Grimshaw Lane, Bollington, Cheshire. SK10 5JB
By Email: email us here
You may access our service in the following ways:
In order for us to provide our Service as a credit broker, you will need to complete the online application providing us with information about you and your financial circumstances.
Our panel of credit brokers and lenders will undertake a soft credit search with their credit reference agency. This is for the purpose of validating your identity, assessing your eligibility for the loan, and preventing fraud. This soft search will be recorded on your credit history but is not visible to lenders and will not impact your credit score.
If you didn't want our panel of credit brokers and lenders to undertake a soft credit search you should stop using our Site immediately and not proceed with the application.
Unless stated otherwise we, our panel of credit brokers and lenders will contact you via means of telephone, SMS, and /or email to provide information and alerts relating to your application and or services we think may be of interest to you.
Soft opt-in is an exception to the general requirement to obtain consent before sending direct marketing to you by electronic means (such as email or text message for example) and applies where you have previously engaged with us (for example by submitting your contact details on our website to make an inquiry about Our Service), and we are marketing our similar products and services. Under the 'soft opt-in', we will assume you still want to hear about our other related products and services until you opt-out or unsubscribe. For most customers, this is beneficial as it allows us to tell you about our other similar products and services that we think would be useful to you alongside the specific one you originally expressed an interest in.
You can opt out of any contact from us at any time by clicking on the links with the SMS/email or email us here
Where you have applied using our site and the lender or credit broker has accepted the application, we will receive a commission/fee.
Further information regarding commissions can be requested by emailing us here
All Intellectual Property Rights (including, without limitation, all database rights, rights in designs, rights in know-how, patents, and rights in inventions (in all cases whether registered or unregistered and including all rights to apply for registration) and all other intellectual or industrial property rights in any jurisdiction) in any information, content, materials, data or processes contained in or to this Website belong to TFLI (US) INC or its licensed source. All rights of TFLI (US) INC who is an Appointed Representative of TFLI Limited in such Intellectual Property Rights are hereby reserved.
You may print off a copy and may download extracts, of any page(s) from the Website for your personal use.
You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way, and you must not use any illustrations, photographs, video or audio sequences, or any graphics separately from any accompanying text.
We subscribe to the latest in internet security standards so you can use our service with confidence online. You can rest assured that the information you supply is encrypted and cannot be read by anyone else.
The Website & form is controlled and operated in the United Kingdom. These Terms and any non-contractual obligations arising out of or in connection with these Terms will be governed by the laws of England and Wales and you irrevocably agree to submit to the exclusive jurisdiction of the English courts.
To the extent permitted by law, we exclude all conditions, warranties, representations, or other Terms which may apply to the Website or any content on it, whether express or implied.
We cannot guarantee that the Lender or Finance Provider will authorise any particular loan application. This may be as a result, directly or indirectly, of a systems problem, issues that are unforeseeable or outside of our control, or that of the Lender, or Finance Providers, or because the information has been provided incorrectly.
We shall not be liable for any loss you may suffer unless we have been negligent or not acted in accordance with these Terms and Conditions or unless otherwise required by UK law. In the event that you do not use this form with reasonable care and in accordance with these Terms and conditions or we discover or are notified that you are using this form fraudulently, we, the Lender or Finance Provider reserve the right to charge you for any reasonable costs that we may incur in taking action to stop you using the form and recover any monies owed as a result of your activities.
You have certain rights under the General Data Protection Regulations. For example, we will always let you have a copy of the personal information we hold about you if you request it from us in writing.
We endeavour to make every effort to ensure our service to you is excellent; however, if you wish to make a formal complaint, please send your complaint via email here
If you are not satisfied with our response, you must send your complaint to the Financial Ombudsman Service within six months of the date of the final response, contact details for the Financial Ombudsman Service are as follows:
Financial Ombudsman Service
Telephone: 0800 023 4567
Web site: www.financial-ombudsman.org.uk
You can report any of your concerns to the Information Commissioner's Office (ICO)
Information Commissioner's Office
Tel: 0303 123 1113 (local rate) or 01625 545 745 if you prefer to use a national rate number
Fax: 01625 524 510
Last Updated July 2023