PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY BEFORE USING THIS WEBSITE

We are East End Fair Finance Ltd. These Terms tell you the rules for using our website at www.fairfinance.org.uk (our Website) and any subdomain. By continuing to access our Website, you agree to be bound by these Terms.

We recommend that you print a copy of these terms for future reference.

Please check these Terms from time to time as we do sometimes update them. These Terms were last updated on the 4th of August 2016.

Please note that our Privacy Policy, which tells you about our use of your information and our use of cookies, also applies to your use of our Website. You can read this here.

Who we are and how to contact us

We are an industrial provident society registered in England and Wales under number IP29889R. Our registered office is at 18 Ashwin Street, Dalston, E8 3DL. Our VAT number is 143785688.

We are authorised and regulated by the Financial Conduct Authority, and we are listed with them under number 29889R.

To contact us, please email hello@fairfinance.org.uk, or telephone our customer service line on 020 8988 0627, or write to us at the above address.

Use of our Website

Our Website is directed to people residing in the United Kingdom. We do not represent or warrant that content available on or through our site is appropriate for use or available in other locations.

This Website should not be considered as an inducement to engage in banking activity outside the UK. Loans discussed on our Website may not have been authorised with relevant regulators or governmental authorities outside the UK and you might not be protected by laws and regulators outside the UK.

Our Website does not contain any offer to provide a loan. It does not contain financial advice or represent or promise that our loans are suitable for you. All our loans are subject to acceptance by us and to our loan agreements mentioned above.

You are responsible for ensuring that all persons who access our Website through your internet connection are aware of and comply these Terms and other applicable terms and conditions mentioned above.

Use of Third Party Bank Account Aggregation Services

When completing a loan application, you have the option of using our Third Party Bank Account Aggregation Supplier to send us details about your bank accounts, and verification of your identity. Our current suppliers are miiCard Limited and its sub-contractor Yodlee (Yodlee, Inc) or such other persons as stated on the applications page of our Website. The supplier will require you to log in to your on-line bank account information via that supplier’s or its sub-contractor’s service, so that they can retrieve your financial information and verification of your identity from your on-line account. The supplier may capture your log-in credentials solely to provide this service, and will encrypt them and store them securely for a limited period required to provide the service. The supplier will aggregate or re-present your financial information and supply it to us, for the purposes described in our privacy policy. The actions and processes taken by the other suppliers are further described in the link from the applications page of this Website and it is important that you read them. In electing the option, you authorise us and our suppliers to collect and use your bank account and identification information in these ways, and that you are not acting on behalf of any other person in providing such authorisation. You also acknowledge that we and the suppliers will rely on your authorisation and confirmation.

Your account details

If you choose, or you are provided with, a user identification code, password or any other piece of information as part of our security procedures, you must treat such information as confidential. You must not disclose it to any third party.

We have the right to disable any user identification code or password, whether chosen by you or allocated by us, at any time, if in our reasonable opinion you have failed to comply with any of the provisions of these Terms.

If you know or suspect that anyone other than you knows your user identification code or password, you must promptly notify us using the email address or telephone number provided above.

Use of material on our Website; copyrights and trade marks

We are the owner or the licensee of all intellectual property rights in our Website, and in the material published on it. Those works are protected by copyright laws and treaties around the world. All such rights are reserved.

You may print off one copy, and may download extracts, of any page(s) from our Website for your personal use and you may draw the attention of others to content posted on our Website.

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.

Our status (and that of any identified contributors) as the authors of content on our site must always be acknowledged.

You must not use any part of the content on our Website for commercial purposes without obtaining a written licence to do so from us or our licensors.

If you print off, copy or download any part of our Website in breach of these terms of use, your right to use our Website will cease immediately and you must, at our option, return or destroy any copies of the materials you have made.

The Fair Finance marks and logos are our trade marks. You are not permitted to use them without our written approval, unless they are part of material you are using as permitted above.

No warranties or representations

This section excludes or limits our liability for our Website. This section applies only to the extent the law permits. In particular, we do not exclude or limit our liability under the Financial Services and Market Act 2000, or the Financial Conduct Authority’s rules for the conduct of business.

Different limitations and exclusions will apply to our liability arising as a result of any loans we make to you, which will be set out in our loan agreements mentioned above.

Website content

The content on our Website is provided for general information only. It is not intended to amount to advice on which you should rely. You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of the content on our Website.

Although we make reasonable efforts to update the information on our Website, it is provided “as is” and we make no representations, warranties or guarantees, whether express or implied that the content on our Website is accurate, complete or up-to-date.

We are not responsible for websites that our Website links to. Where our Website contains links to other sites and resources provided by third parties, these links are provided for your information only. Such links should not be interpreted as approval by us of those linked websites or information you may obtain from them. We have no control over the contents of those sites or resources

Our responsibility for your loss whether you are a consumer or a business user

We do not exclude or limit our liability for death or personal injury caused by our negligence or the negligence of our employees, agents or subcontractors. We also do not exclude or limit our liability for fraud or fraudulent misrepresentation.

If you are a business user:

We exclude all implied conditions, warranties, representations or other terms which may apply to our site or any content on it.

• use of, or inability to use, our Website; or

• use of or reliance on any content displayed on our Website.

In particular, we will not be liable for:

• loss of profits, sales, business, or revenue;

• business interruption;

• loss of anticipated savings;

• loss of business opportunity, goodwill or reputation; or

• any indirect or consequential loss or damage.

We will not be liable for any loss or damage caused by a virus, distributed denial-of-service attack, 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 content on it, or on any website linked to it.

If you are a consumer user:

You may use our Website only for domestic and private use and not for any commercial or business purposes, and we have no liability to you for any loss of profit, loss of business, business interruption, or loss of business opportunity.

Misuse of our Website

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 site 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.

Rules about linking to our site

You may link to our home page, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it.
You must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part where none exists.
You must not establish a link to our Website in 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.

Governing Law; jurisdiction over disputes

These Terms, their subject matter and their formation, are governed by English law.

You and we both agree to that the courts of England and Wales will have exclusive jurisdiction except that if you are a consumer resident in Northern Ireland you may also bring proceedings in Northern Ireland, and if you are consumer resident in Scotland, you may also bring proceedings in Scotland.