Terms and Conditions

Who Are We?

Our company:

Stop Go Networks Limited, a firm registered in Scotland (Company number SC380072). We are directly authorised by the Financial Conduct Authority (firm reference number 729572) and licensed by the Information Commissioner's Office (registration number Z2282935) to hold and process personal data on behalf of our customers.

1. The Website

1.1 Stop Go Networks Limited ® ("SGNL" "we", "us", "our") operate the Website (Loanza ®) .

1.2 The terms and conditions and disclaimers of the applicable agreement govern the use of all our products and services.

1.3 When using this Website, you agree to be bound by the following terms and conditions and disclaimers (the "Terms"). Please read the details set out below before using this Website.

2. No offer

2.1 Neither the opinion nor any information contained in our Website 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.

3. Users

3.1 Our Website is currently intended for those who are 18's and over and who access it from within the UK. We cannot guarantee that the Website or the information thereon complies with or is appropriate for use in other places outside the UK. You must be a UK resident.

3.2 You must be over eighteen (18) years of age to register with us. You must ensure that the details provided by you on registration or at any time are correct and complete. You must inform us immediately of any changes to the information that you provided when registering by updating your personal details.

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

3.4 You will not knowingly transmit any virus or other harmful matter to the Website. You may not use any device or software to attempt to interfere or interfere with the proper working of the Website nor may you attempt to disassemble, decompile, decipher or reverse engineer any of the software comprising or in any way making up the Website or any part of it.

4. Services

4.1. The Company's services include, but are not limited to, advertising other companies' credit offerings and effecting introductions between potential borrowers and lenders or other credit brokers in respect of secured and unsecured loans (the "Services"). In order to request a consumer credit loan from a selection of lenders, the Company invites you to complete an Application Form and transmits this completed Application Form to lenders and/or third parties (the "Advertising Partners").

4.2. The Company does not guarantee that completing an Application Form will result in you receiving a loan offer. Your request is not an application for credit from a specific lender or lenders but an expression of your interest in such products. Individual lenders may require you to complete their own application process and are solely responsible for deciding whether and on what terms to lend to you. Any examples of loan terms on our website are for illustrative purposes only.

4.3. The Company does not charge you any fees for the provision of the Services. If we provide services other than the Services we shall be entitled to charge a fee for those services. The Company will generally receive a brokerage fee from its Advertising Partners for the provision of the Services.

4.4. The Company is not a party to any contract made between you and the Advertising Partners for loans. All rights and obligations under the terms of the contract for a loan are solely between you and the relevant lender.

Credit Checking

When you search for a loan with us, a soft search (i.e. check to determine how likely you will be able to repay the credit) will be carried out on your credit file to match you with the most suitable lender(s) or broker(s) ("Partners") on the panel.

A soft credit search allows your identity and creditworthiness to be checked, allowing us to match you with the most suitable partners on our panel.

Our Partners may also carry out a soft search to assess your eligibility for the product you are applying for. These searches will only be visible to you and they will not affect your credit rating.

If your loan search is successful, you will either be re-directed immediately to a Partner's website to complete your application, or we may present you with loan offers that you could be eligible for. If you continue with any of these offers, you will then be taken to our Partner's website to complete your application.

In all cases, our Partners will provide you with the terms and conditions for your loan offer. You should also ensure that you read their Privacy Policy as we are not responsible for how they use your personal information. Our Privacy Policy only explains how we will process your information. If you proceed with your application, they will also carry out their own identity and validation checks (such as fraud prevention checks, affordability assessment and credit application checks), following their own criteria. Any full credit check, (also known as a "hard" search), carried out by any of our Partners will be visible on your credit file to any other lender in the future.

You are responsible for ensuring that the information you are providing is correct and accurate.

5. Disclaimers and Limitation of Liability

5.1 You have sole responsibility for adequate protection and backup of data and/or equipment and for undertaking reasonable and appropriate precautions to scan for computer viruses or other destructive properties. We do not represent 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 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.

5.2 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 the Website, including but not limited to computer service or system failure, access delays or interruption, data non-delivery or mis-delivery, computer viruses or other harmful components, breaches of security or unauthorised use of the system arising from "hacking" or otherwise or your reliance on the information contained on the Website. 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 Website and the materials contained in it are entirely at your own risk. We have taken reasonable steps to ensure the accuracy, availability correctness and completeness of the information contained on the Website.

5.3 The information, material and content provided in the pages of the Website may be changed at any time without notice. Changes may be made to the Terms at any time without notice by updating this posting. Any revised term shall take effect at the date when the change is made to the Website. You agree to review the Terms regularly and your continued access to or use of the Website will mean that you agree to any changes.

5.4 Regarding any third party software that may be used in connection with the Website, we make no representations or warranties regarding the accuracy, functionality or performance.

5.5 Nothing in these Terms or in the pages of the Website shall limit our liability for death or personal injury arising out of our negligence, or for fraud, or for any other liability, which cannot be excluded or limited under applicable law.

6. Third party Websites

6.1 You are not entitled (nor will you assist others) to set up links from your own websites to the Website (whether by hypertext linking, deep-linking, framing, toggling or otherwise) without our prior written consent, which we may grant or withhold at our absolute discretion. You are also not entitled to direct link (also known as "Hot Link") any images or content without our prior written authorisation.

6.2 Links on the Website are provided to you only as a convenience and the inclusion of any link does not imply reliability and we do not necessarily endorse any pages linked to the Website. Accordingly, you should read the terms and conditions of those websites before using them and direct any questions or comments about the linked website's contents to the relevant website provider. Links contained in the Website might lead to other websites not under our control, and 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.

7. Internet and Marketing

7.1 Cookies are files that identify your computer to our server. Cookies in themselves do not identify the individual user, just the computer used. Many sites do this whenever a user visits their site in order to track traffic flows. The Website makes use of cookies. Cookies themselves only record those areas of the site that have been visited by the computer and for how long. You may prevent the use of cookies by configuring your web browser accordingly, but please note that this may hinder some of the Website functionality.

7.2 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 any message lost, intercepted or altered by third parties 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.

7.3 SGNL uses individual information to provide promotional offers by post, email, SMS and telephone to individuals. Promotional offers include third party marketing messages as well as advertising from partners and affiliates of SGNL. SGNL may maintain separate marketing lists for different purposes. If recipients wish to end their marketing subscription from a particular list and/or to unsubscribe from all SGNL marketing lists, they need to follow the instructions at the end of each marketing message to unsubscribe.

7.4 The SGNL unsubscribe process impacts only the future delivery of electronic mailings disseminated by SGNL on its own behalf. You may still receive electronic mailings sent on behalf of Third Parties and your personal information may still be shared with Third Parties for use in offline marketing and data appends, including marketing appends.

7.5 You should also note that unsubscribing from SGNL electronic mailings will not automatically unsubscribe the subscriber's information from any Third Party business associates and licensees of the data. Since Third Party associates and licensee partners maintain separate databases from SGNL, you will need to unsubscribe from each source individually, if desired. This allows you the freedom to pick and choose which subscriptions to maintain and which to discontinue.

8. Trade marks and copyright

8.1 You may temporarily store extracts, imprint, copy or download from our Website for your personal information or when you use our products and services. You may not republish, retransmit, redistribute or otherwise make such information or pages available to any other party or available on any website, online service or bulletin board of your own or of any other party or make the same available in hard copy or on any other media without our express prior written consent.

8.2 All copyright, trademarks and all other intellectual property rights in the Website and its content (including without limitation the pages screens, information and material) included in the Website and all software and source codes connected with the Website are owned by or licensed to SGNL unless otherwise noted.

8.3 No rights are granted in respect of any of the above trademarks. Our brands, products and logos and all referred to or detailed on the Website are the trademarks of, or licensed to, SGNL.

9. Data protection

9.1 We may, as a result of your interaction with the Website, hold and process personal and visitor information in accordance with our Privacy Policy.

9.2 We may collect details of your use and visits to our website including, but not limited to, traffic data, location data, keystrokes, weblogs and other communication data. Some of the data we use will be collected using cookies in accordance with our Privacy Policy.

10. Governing law

10.1 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.

Complaints

Stop Go Networks is committed to giving our customers the highest quality service possible.

If you're not happy with how you have been treated we can put things right.

You can let us know: Via the "contact" page: Your name Your Email address. Subject: Customer Care Enquiry: Description of your complaint In writing: Complaints Manager Stop Go Networks Limited 272 Bath Street Glasgow G2 4JR Or alternatively please email: complaints-manager@stopgonetworks.biz

Please see our Complaints Policy for further information.