Creditnoble
12 MONTHLY PAYMENTS NO GUARANTOR

These Terms (together with the documents referred to in them) govern the use of Our Website, creditnoble.co.uk (Website). Please read these terms carefully before You start using Our Website. If You do not agree with these terms; or if You are under 18; or if You are not a UK resident, You must NOT use this Website . By using this Website You are accepting these terms.

If You have any questions about these terms or have a general query, please get in touch. You can find out our contact details by clicking on this link: Contact Us.

Transactions concluded through our website

We may also share your details with selected third parties so that they may tell you of products and services which we or they think may interest you, by telephone, sms, email or post. We may also use the personal information you provide for the purposes of: identity verification, credit and risk management, revenue collection, database verification and enhancement.   If you would prefer your information not to be used in these ways, please do not complete an application form and log off immediately.

Information About Us and Our Website

Creditnoble.co.uk is a site operated by CREDITNOBLE UK LLC. Our registered office in the U.K. is located at 33 Throgmorton Street, London EC2N 2BR.

We are regulated by the Office of Fair Trading under the Consumer Credit Act 1974; utilizing a consumer credit licence number 0643826.

We are registered with the Information Commissioners Office in compliance with the Data Protection Act of 1998. Our registration number is Data Protection Number: Z2646532

Our intention is to give an overview of every product or service to which we have access and that is available to You. It is possible that You might find a better deal elsewhere even though We do seek to ensure the information on Our Website and the deals that we are able to negotiate on Your behalf offer You the best value. Whilst we endorse all of the products and service providers available on our site, we cannot offer tailored advice. Should you require tailored advice then please seek independent professional advice.

There are some specific things that You also need to know about some of the services on Our Website before You can use them. These things relate to Insurance Products and Services, Mortgages and Credit Cards,Loans, Travel and Utilities. If You click on these links, You will be taken to the part of these terms which contain some specific Guidance Notes about each of these services. Otherwise, they can be found at the bottom of these terms under the heading Guidance Notes. Please make sure You understand the Guidance Notes relevant to the services that You are interested in. As with the rest of these terms, if You do not agree with them, then do not use this Website.

If any introduction is being made to a financial services company, insurance company or advisor, where appropriate, We will clearly display the identity of the financial services company, insurance company or advisor on Our Website.

Accessing Our Website and Content

We will always try to provide You with uninterrupted access to Our Website, but We can not make any promises about this and may terminate, suspend or restrict Your access to Our Website at any time.

Our website changes regularly

We make every reasonable effort to ensure that the content available to You on Our Website is up to date and accurate and for this reason We make changes to Our Website on a daily basis. Accordingly it is generally not possible to notify You about any changes that We make to Our Website.

Changes to these terms & conditions

We may need to amend or change Our terms and conditions from time to time. You will still need to agree to them, so You should regularly check this document when You use Our Website. It is important that You do this because if You keep using Our Website, We will assume that You have agreed to any changes that We have made to Our terms and conditions. These terms and conditions were last updated on 18th December 2009.

Intellectual property rights

Logos denoting a ™ or the ® are trademarks or registered trade marks of Creditnoble UK, LLC (or its licensors).

We also own or are the licensee of all intellectual property rights in Our Website. This includes all software We use to run Our Website and all the material published on it. You agree that We make Our intellectual property available to You for Your personal use only. You must not copy, alter, modify, sell, distribute, publish or create a derivative work from any of the materials on Our Website or create any links to it without first obtaining Our written permission.

You retain ownership of all the personal information You submit on Our Website. You grant us a perpetual, world-wide royalty-free licence to use, copy, distribute, publish and transmit such information but always in accordance with Our Privacy Policy (which You can find further down in this document or which You can go to directly by clicking on this link Privacy Policy).

Our Liability

We use reasonable endeavours to ensure that the data on Our Website is accurate and that Our service is reliable. Like any other business, We try to correct any errors or omissions in Our Website as soon as practicable after being made aware of them. However, We can not provide You with any guarantee about this. We also can not guarantee that Our Website or the data on it will be fault free, uncorrupted or free of viruses which may harm Your computer.

We do not seek to exclude or limit our responsibilities or liability that cannot be limited or excluded under any applicable law. This includes Our liability for things such as fraud, negligence, death or personal injury.

In all other cases, and to the extent that We are permitted to do so by law, We exclude all warranties, terms and representations (whether express or implied) as to the accuracy of any information contained on Our Website. We have no liability to You for, any liability for any loss or income, revenue, business, profits or contract, anticipated savings, data, goodwill or opportunity, direct, indirect or consequential loss or damage incurred by You in connection with Your use, inability to use, or results of the use of Our Website and any materials posted on it or any Websites linked to it.

Your Liability

If You use Our Website, it is reasonable for Us to expect that You will adhere to these terms and conditions. If We think You have breached any of these terms and conditions or demonstrated inappropriate conduct when using Our Website, We may take measures to terminate or suspend Your access to the Website. If Your use of Our Website causes Us to suffer any loss or damage, You shall be responsible for reimbursing these costs.

Transactions Concluded Through Our Website

Our Website is entirely free to use. However, Our Website contains links to other sites and resources provided by third parties which may offer You products or services for a fee. We have no control over the contents of those sites or resources, and accept no responsibility for them or for any loss or damage that may arise from Your use of them.

It is up to You whether or not You chose to obtain products or services from third parties through clicking on a link in Our Website to the Website of a third party. However, if You do decide to do this, then You will be leaving Our Website and Your use of any third party website including any payments You may make to them for their products and services will be governed by their terms and conditions of supply and not by these terms. Accordingly we strongly suggest that You also read the terms and conditions of any third party Website that You may access through clicking on a link from Our Website. We remind You that We can not be responsible or liable for the content, advertising, products services or the use You make of any third party Websites.

Guidance Notes

The following sections form part of the terms and conditions and provide more specific guidance on certain products and services.

The interest rates quoted and displayed on the Website are examples of products available within the mortgage market at a given time. Neither Our selection as it appears on the Website and nothing nor anything in these terms and conditions constitutes advice or a recommendation to purchase a particular mortgage product The rates are shown to provide information in respect of the possible range of mortgage deals that are available in the market. All rates are subject to the lenders terms and conditions.

Please be aware that it is very important that before You apply for any mortgage product You carefully read the terms of the application form, the terms of the mortgage and any other relevant documentation which applies to the mortgage. You must ensure that the mortgage matches Your requirements and that You agree to the terms of the mortgage before You apply for any mortgage product. We accept no responsibility whatsoever in the event that any mortgage entered into or applied for by You does not meet Your requirements.

In the event that You decide to apply for a mortgage product recommended by a broker selected via the Website, the full mortgage documentation and other relevant details will be sent to You by the mortgage broker and not by us. It is the responsibility of the mortgage broker to provide all relevant documentation to You and We can accept no responsibility in the event that You do not receive the documentation requested or expected.

We receive commission and fees from certain mortgage providers who we refer you to. We retain the commission and fees and We do not charge You for the service We offer via the Website.

Credit Reference & Fraud Protection Agencies

Credit reference agencies (CRAs) collect and maintain information on consumers and businesses credit behaviour, on behalf of lenders in the UK. Although you have applied to us, Creditnoble.co.uk we or our partners may check our own records; we will also contact CRAs to get information on your credit behaviour with other organisations. This will help us make the best possible assessment of your overall situation before we or our partners make any lending decisions. We or our partners may collect the following information:

Information on your personal accounts

  • Financial information on associates personal accounts if there are any financial links with you
  • Business accounts if you are a director or partner in a small business
  • Data held by fraud prevention agencies on you and your business if you have one
  • Information that is supplied to us will be sent to the credit reference agencies. If you give us false or inaccurate information and we suspect fraud, we will record this and may also pass this information to financial and other organisations involved in fraud protection to protect us, them and our respective customers from theft and fraud.

Contact Details

Should you have any queries or require any information about this Privacy Statement or Credit Noble and the Data Protection Act then these should be directed to the Data

Protection Officer, Credit Noble, Creditnoble UK, LLC,  33 Throgmorton Street, London EC2N 2BR.

To find out more information about how credit reference agencies use your data you can contact 3 agencies currently operating in the UK; the information they hold may not be the same so it is worth contacting them all. They will charge you a small statutory fee:

  • Callcredit, Consumer Services Team, PO Box 491, Leeds LS3 1WZ or call 0870 0601414 or log onto www.callcredit.co.uk
  • Equifax Plc, Credit File Advice Centre, PO Box 3001, Bradford, BD1 5US or call 0870 010 0583 or log onto www.myequifax.co.uk
  • Experian, Consumer Help Service, PO Box 8000, Nottingham, NG80 7WF or call 0870 241 6212 or log onto www.experian.co.uk

If you want to receive details of those fraud prevention agencies from whom we may obtain and with whom we may record information about you, write to us at the above address.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Credit Cards and Loans

The products displayed on the Website are examples of products currently available. Neither Our selection as it appears on the Website nor anything in these terms and conditions constitutes advice or a recommendation to purchase a particular credit card or loan product.

The credit cards and loans service allow You to compare products and then links You to the relevant Websites of certain credit card and loan providers. Before You apply for a loan or a credit card product You must carefully read the terms on the application form which will include details of the interest rates applicable and any early redemption charges if relevant. In the event that You decide to apply for a loan or credit card product selected via the Website, it is the responsibility of the lender to provide all relevant documentation to You and We can accept no responsibility in the event that You do not receive the documentation requested or expected. You must be aged at least 18 years or over and resident in the UK (excluding Channel Islands and Isle of Man) to apply for a credit card and all lending will be subject to the Lender’s appraisal of Your financial status.

Thank you for visiting our web-site we hope we were of service to You.