Introduction

This website www.lendoe.com is operated by Lending Partners Limited also known as Lendoe, registered in England & Wales, company registration number 10466213. Registered office: Lending Partners, 20-22, Wenlock Road, London, N1 7GU. Lending Partners Limited is not authorised or regulated by the Financial Conduct Authority.The products offered by Lending Partners Limited are commercial business loans, not consumer loans. Please read the details set out below carefully before using this website. By visiting this website, you agree to be bound by the following terms and conditions and disclaimers. The products on this website are only for UK residents over the age of 18.

Terms & Conditions:

Please read these terms and conditions carefully before using this website: by accessing these terms and conditions, you agree to be bound by all the terms, conditions and disclaimers stated throughout. We may make changes to these Terms of Use at any time and will post any amendments to the website. If you continue to use our website, you will be deemed to have accepted those amended Terms of Use.

You are wholly responsible for the use of this website and for any person using your computer to view this website. You must ensure that any such person complies with these terms.

Our privacy policy sets out the terms on how we process any personal data we collect from you, or that you provide to us.

Our Cookies Policy sets out information about the cookies on our site. You will not knowingly transmit any viruses or other harmful components to the website. You may not use any device, software or routine to interfere or attempt to interfere with the authorised workings of the website. Nor may you attempt to decipher, de-compile, disassemble or reverse engineer any of the software compromising or in any way making up the website or any part of it. You may not probe, scan or test the vulnerability of the site or any network connected to the site, nor breach the security or authentication measures on the site or any network connected to the site. You may not reverse look up, trace, or seek to trace, any information on any user of, or visitor to, the site or any other customer of Lending Partners Limited, or exploit the site or any service or information made available or offered by, or through, the site, in any way where the purpose is to reveal any information, including but not limited to, personal identification and information, other than your own information as provided for by this site. You may not forge headers or otherwise manipulate identifiers in order to disguise the origin of any message or transmittal you send to Lending Partners Limited on, or through, the site or any service offered on or through the site. You may not pretend that you are, or that you represent, someone else, or impersonate any other individual or entity. You may not use the site or any content for any purpose that is unlawful or prohibited by these terms of use, or to solicit the performance of any illegal activity, or other activity, which infringes the rights of Lending Partners Limited or others.

Nothing in these terms or in the pages of the website(s) shall limit our liability for personal injury or death arising out of negligence, or fraud, or any other liability, which cannot be excluded or limited under applicable law.

You will not knowingly transmit any viruses or other harmful components to this website. You may not use any device, software or routine to interfere or attempt to interfere with the workings of this website nor may you attempt to decipher, de-compile, disassemble or reverse engineer any of the software compromising or in any way making up this website or any part of it. Nothing in these terms or in the pages of this website shall limit our liability for death or personal injury arising out of negligence, fraud or any other liability, which cannot be excluded or limited under applicable law.

We do not claim or warrant that the website will be available and meet your requirements; that access will be uninterrupted, that there will be no delays, failures, errors, 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 are solely responsible for the adequate protection and the backup of data and/or equipment. You are also responsible for undertaking reasonable and appropriate precautions, to scan for computer viruses or other destructive properties.

Access to this website is permitted on a temporary basis, and we reserve the right to withdraw or amend the service we provide on this website without notice. We will not be liable if for any reason this website is unavailable at any time for any period. 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, and you must not disclose it to any third party.

We will not be liable for any loss or damage that you may suffer as a result of the website being unavailable at any time for any reason. Certain features or services offered on, or through, the site may require you to open an account, including a user name and password. You are entirely responsible for maintaining the confidentiality of the information, and all activities that occur under your account whether by yourself or another party, held within your member’s area. You are entirely responsible for maintaining the confidentiality of all information, including your password, held in your member’s area and any and all activity that occurs under your account as a result of your failing to keep this information secure and confidential. You agree to notify Lending Partners Limited immediately of any unauthorised use of your account or password, or any other breach of security. You may be held liable for losses incurred by Lending Partners Limited or any other user of, or visitor to, the site due to someone else using your member’s password or account as a result of your failing to keep your account information secure and confidential. You may not use anyone else’s Lending Partners Limited ID, password or account at any time without the express permission and consent of the Lending Partners Limited account holder, password or ID. Lending Partners Limited cannot and will not be liable for any loss or damage arising from your failure to comply with these obligations.

The use and access of this website and the materials contained within it are undertaken at your own risk. We shall not be liable for any losses or damages, whether direct or indirect, consequential or otherwise that you may suffer as a result of your use of this website. This includes computer services, system failures, access delays, interruptions, and data non- delivery, miss- delivery, computer viruses or other harmful components. The Terms of Use refer to the following additional policies and terms and apply to your use of the website.

Website information:

This website may contain information, text, data, graphics, photographs, videos, sound recordings, illustrations, artwork, names, logos, trademarks, service marks and information about Lending Partners Limited and any of its group companies, its products and services and general information which may be provided in the form of articles, documents or via an RSS feed (the “Information”).

Except as expressly provided in these Terms of Use, no part of the website and information contained within may be copied, reproduced, republished, uploaded, posted, publicly displayed, encoded, translated, transmitted or distributed in any way (including “mirroring”) to any other computer, server, web site or other medium for publication or distribution or for any commercial enterprise, without Lending Partners Limited express prior written consent.

Disclaimers

Except where it is otherwise expressly stated, the Information on this website is not intended to, nor does it, constitute legal, accounting, business, financial, tax or other professional advice or services. The Information is provided on an information basis only and should not be relied upon. If you need advice or services on a specific matter, you should seek appropriate professional advice.

This website is provided by Lending Partners Limited on an “as is” basis. We do not warrant or represent that the content of this website is accurate, up-to-date or complete, or that it does not infringe the rights of any third parties. We make no representations or warranties of any kind and, to the maximum extent permitted by law, disclaim all implied representations and warranties, with respect to this website, its contents or any of the products or services supplied through this website.

The above disclaimer applies to any damages, liability or injuries caused by any failure of performance, error, omission, interruption, deletion, defect, delay in operation or transmission, computer virus, communication line failure, theft or destruction of, or unauthorised access to, alteration of, or use of, whether for breach of contract, tort, negligence or any other cause of action.

Lending Partners Limited has the right to do any of the following, at any time, without notice: (1) to modify, suspend or terminate operation of, or access to, the site, or any portion of the site, for any reason; (2) to modify or change the site, or any portion of the site, and any applicable policies or terms; and (3) to interrupt the operation of the site, or any portion of the site, as necessary to perform routine or non-routine maintenance, error correction, or other changes.

Third Party Websites

Links contained in this website might lead to other websites not under our control; we accept no liability for the content or availability of any linked site which is not operated by us or any link contained in a linked site not operated by us. Links on this website are provided to you as a convenience and the inclusion of any link does not imply reliability and we do not necessarily endorse any pages linked to this website. Therefore, you should read the terms and conditions of any third-party websites before using them and direct any comments/ queries about the linked website’s contents to the relevant website provider. We will not be responsible for managing any third-party processes and disputes.

Internet email:

Messages sent over the internet are not guaranteed to be completely secure as they are subject to possible interception, loss or possible alteration. We are not responsible for any messages lost, intercepted or altered by third parties and will not be liable to you or anyone else for damages or otherwise in connection with any messages sent by you to us or any message sent by us to you over the Internet.

Cookie Policy

Our site uses cookies and other tracking technologies in the ways outlined in our Cookie Policy. To see which cookies we serve and our Cookies policy please click here.

Complaints

We aim to offer the best possible service at all times. If we have let you down, please get in touch so we can put things right. Your complaint will be handled sensitively and will not impact your ability to get a loan from us in the future. We aim to acknowledge all complaints within 3 working days. We also aim to resolve all complaints in as timely a manner as possible. How long it takes to provide a final response will largely depend on the nature of the complaint in question and how much information is required. To review our Complaints Policy please click here.

Privacy

Lending Partners Limited (referred to as ‘we’, ‘our’, ‘us’) is the controller responsible for your personal data, and is bound by the Data Protection Act 1998 (‘Data Protection Act’), and the General Data Protection Regulation (GDPR) and recognises importance of ensuring the confidentiality and security of your personal information.

All third-parties (including customers, partners, suppliers, subcontractors, or agents) that have access to, or use, personal information collected and held by us must abide by this Policy. Copies of this Policy are available free of charge by contacting our data@lendoe.com. If you have any questions about this Policy, including any requests to exercise your legal rights, please contact us using the details below. Full name of legal entity: Lending Partners Limited E-mail: data@lendoe.com Postal Address: 92 Murray Grove, London, N1 7GU Telephone Number: +44 2080128285 You have the right to make a complaint at any time to the Information Commissioner’s Office (ICO) or the UK supervisory authority for data protection issues (www.ico.org.uk). We would, however, appreciate the chance to address your concerns before you approach the ICO, so please contact us in the first instance. To review our privacy policy please click here.

Variation of Terms and Conditions

We reserve the right to change these terms and conditions from time to time, and the amended terms will be posted on this website. Any revised terms shall take effect as at the date when the change is made to this website.