Unless otherwise indicated, the Focus Loans website and its design, text, content, selection and arrangement of elements, organization, graphics, design, compilation, digital conversion and other matters related to the site are protected under applicable copyrights, trademarks and other proprietary (including, but not limited to, intellectual property) rights and are the property of the company or the material is included with the permission of the right owner and is protected pursuant to copyright and trademark laws. All rights reserved.
None of these elements may be used, copied, reproduced, distributed, republished, downloaded, modified, displayed, posted or transmitted in any form or by any means, including, but not limited to, electronic, mechanical, photocopying, recording, or otherwise, without our express prior written permission.
Focus Loans works hard to ensure the information contained on the website is accurate and as per Business Code of Conduct. But if errors occur, we cannot be held responsible for any errors, omissions or decisions taken in response to information published on the site. If you believe any item on the site is factually incorrect please inform us immediately and we will take every reasonable step to ensure misleading information is updated or removed at the earliest opportunity.
This website has been tested across a wide range of internet browsers and to conform to existing web accessibility standards. If you experience any technical problems with the way the site displays please contact us so that we can put a fix in place.
This website may contain links and/or advertisements to other sites maintained by us in addition to links to websites maintained by unrelated companies and persons. An advertisement of, or link to, a website does not mean Focus Loans approves, endorses or accepts any responsibility for that website, its content or use, or the use of products and services made available through such website.
We are not responsible for the actions, content, accuracy, opinions expressed, privacy policies, products or services provided through these links or made available through these resources or appearing in such websites, nor for any damages or losses, directly or indirectly, caused or alleged to have been caused as a result of your use or reliance on such websites.
Such websites are not investigated, monitored or checked for accuracy, completeness or conformance with applicable laws and regulations by us. We do not make any representations whatsoever, or give any warranties of any kind, expressed, implied, or otherwise about other websites which you may access through this website, the content thereof, or the products and/or services made available through such websites. If you decide to leave Focus Loans. and access these other websites, you do so at your own risk. All rules, policies (including privacy policies) and operating procedures of such websites will apply to you while on such websites.
Links from other sites
We welcome hyperlinks from other reputable websites to Focus Loans Persons or organizations providing access to Focus Loans via a link from another website are solely responsible for the content, accuracy, opinions expressed, privacy policies, products or services of, or available through, the source website and for any representations made or impressions created concerning Focus Loans. Authorization by us to link to this website is given without assumption of any liability by us relating to such links, and we hereby disclaim any such liability.
Advertisers using Focus Loans are responsible for ensuring that material submitted for inclusion on the site complies with all relevant laws and regulations. We are not responsible for any error, omission or inaccuracies in any material posted on this website and take no responsibility for claims made by any advertisers displaying adverts with the Focus Loans
Focus Loans may collect personal details submitted via Focus Loans websites to inform users of the site about developments or about services provided by Focus Loans which we believe may be of interest. Any details collected by us will be handled in accordance with the Data Protection Act 1998 and will not be made available to other organizations without the consent of the individual.
Any communication or material you post or transmit to us over the Internet is, and will be treated as non-confidential and non-proprietary. Upon the transmission of any personal information to us, you expressly grant permission to us to disseminate and/or use such information for any lawful purpose. Posting or transmittal of any unlawful, threatening, libelous, defamatory, obscene, pornographic or profane material or any material that could constitute or encourage conduct that would be considered a criminal offence or violation of any law is strictly prohibited.
We make no representations or warranties with respect to this website or its contents, which are provided for use 'as is'. We disclaim all warranties, express or implied, including without limitation the implied warranties of title, non-infringement, merchantability, quality and fitness for a particular purpose, with respect to this website and any site with which it is linked. We also make no representations or warranties as to whether the information accessible via this website, or any site with which it is linked, is accurate, complete, or current. You accept that our shareholders, owners, officers, director, employees and other representatives shall have the benefit of this clause.
It is your responsibility to evaluate (or take professional advice on) the accuracy and completeness of all information, statements, opinions and other material on this website or any website with which it is linked. Your statutory rights as a consumer, if any, are not affected by these provisions, and we do not seek to exclude or limit liability for fraudulent misrepresentation.
Exclusion of Liability
To the fullest extent permitted by applicable laws we, on behalf of our employees, agents, directors, shareholders, partners and affiliates exclude liability for any losses and expenses of whatever nature and howsoever arising including, without limitation, any direct, indirect, special, punitive, or consequential damages, loss of use, loss of data, loss caused by a virus, loss of income or profit, loss of or damage to property, claims of third parties, or other losses of any kind or character, even if we have been advised of the possibility of such damages or losses, arising out of or in connection with the use of this website or any website with which it is linked. You assume total responsibility for such losses.
You agree to use the website in a manner consistent with any and all applicable rules and regulations. You agree not to upload or transmit through the website any computer viruses, trojan horses, worms or anything else designed to interfere with, interrupt or disrupt the normal operating procedures of a computer.
Modification and Discontinuation
We reserve the right at any time and from time to time to modify, edit, delete, suspend or discontinue, temporarily or permanently this website (or any portion thereof) and/or the information, materials, products and/or services available through this website (or any part thereof) with or without notice. You agree that we shall not be liable to you or to any third party for any such modification, editing, deletion, suspension or discontinuance of this website.
Law and Jurisdiction
You agree that English Courts shall have exclusive jurisdiction to resolve any controversy or claim of whatever nature arising out of or relating to use of this website, and that the laws of England shall govern such dispute or claim. However, we retain the right to bring legal proceedings in any jurisdiction where we believe that infringement of this agreement is taking place or originating.
These terms and conditions explain our services to you as our client and your obligations to us (Focus Loans.) You accept that these Terms & Conditions take precedence over any other documents, conversations or in the course of dealings and represent the understanding between you and us. They can only be varied with our written agreement and signed by a Director. You need to read these terms very carefully, since they will apply as soon as we are appointed as your Broker. We cannot accept any responsibility for you failing to read them.
We provide a variety of services by telephone, internet, mail and other means. These may include acting as a loan and finance broker; utility switching agents, Debt management advisor. We are not responsible for any tax or legal advice regarding any of these services and you must rely on your own expert advisers in those fields. By asking us to provide you with services you authorize us and any associate companies to act on your behalf.
When you request us, orally or in writing, to provide you with a service, you agree to abide by these terms and conditions. We acknowledge your instructions expressly or by acting upon them. You can only withdraw or vary your instructions with our consent. At all times we treat you as our Client. We accept no liability or obligation to any third party whether or not you may be acting as their agent, fiduciary or intermediary. Even if you disclose their identity to us and you are acting in such a capacity, your obligations to us remain unaffected. We are entitled to act on any oral or written instructions that we receive from you or anyone we believe is authorized by you to give them.
When acting as a loan or finance broker we seek to get a lender or financier to offer you a loan or finance. We will endeavour to obtain for you a Loan in the amount you have requested. As a Broker and not a direct lender, we do not guarantee to obtain for you any of, or the full amount of any loan as first requested, as all loan offers are subject to your own personal circumstances. To clarify this, any amount of loan offered by a Lender will therefore be deemed as an acceptable offer of a Loan for you, no matter the amount offered. We aim to match your loan or finance application with one or more of the bank of lenders or financiers we deal with. We do not act on behalf of the lenders or financiers or represent them in any way. For your protection we require the documentation covering any loan or finance agreement to meet statutory and regulatory safeguards laid down by the Consumer Credit Acts 1974 and 2006. If you would like to know more about the protections and remedies provided under those Acts please contact your local Trading Standards Department or The Citizens Advice Bureau. We are regulated by the (FSA) The Financial Services Authority.
We do not offer loans or finance directly. Only the lenders or financiers decide whether to approve loan or finance applications, how much to lend or finance, at what interest rate, on which terms and on what evidence of ability to repay. Where we give examples they are only illustrations. We do not warrant that examples are the actual rates and amounts because the lenders or financiers ultimately decide whether to give approval for any loan or finance and on what terms they decide according to your specific circumstances.
Unless you inform us differently, you agree to us using telephone, email, SMS, fax and/or post to contact you to discuss products and services without having first been expressly invited to do so. This will override any registrations you may have with any preference services. To communicate in writing we may use the last postal address you give us. Please note that to improve our service we record all, and may monitor telephone conversations with you for security, training and evidential purposes.
When trying to source you a loan or finance and make decisions about them or provide any other services, we or associate companies (including lenders and financiers) may use credit scoring or other automated systems to assess your application, make decisions and verify your identity. These systems include searching your records with credit reference agencies, employers, fraud and money laundering prevention agencies and the electoral register as well as providing them with information. These agencies can add your details to their records for other organizations to do searches. Where there are joint clients, both records are processed by the agencies and a link between you can be created.
To help our fraud prevention and data protection strategy, you agree to us and any of our associate companies, credit reference agencies and selected third parties processing and using personal data (whether provided electronically, in writing or orally) you give us. You agree to us using the data to advise you of other products and services unless you notify us to the contrary. The information you give us must be true and accurate. We rely entirely on the information you or our client provide to us and we are not responsible for rejection or denying of Loan Application due to any inaccurate or false information supplied by you. You warrant and undertake to comply with all legal and regulatory disclosure requirements so that we can comply with our obligations. If you provide us with false or inaccurate information and/or we suspect fraud we may notify agencies which could have a detrimental impact on your credit records. In the event that you provide us with inaccurate or misleading information, we reserve the right to reclaim any losses incurred by us in performing the service to you.
If you authorize anyone else to give us instructions, any action we take on their instructions will be binding on you. If there are joint applicants each has authority to deal with us for the other. Notice to one is notice to both. We can require joint instructions. If instructions from different joint applicants are inconsistent, we can choose to take no action until we receive satisfactory instructions. To withdraw any authority you must notify us in writing.
We do not charge any upfront or Application Fee
All calls are recorded for training and monitoring purposes.
We shall not be liable for any breach of obligation to you by any bank, counterparty, intermediary or other third party with whom you do business. You will be liable for any loss you suffer as a consequence of you providing inaccurate information. If there is any partial non-performance of our obligations, provided we have made reasonable endeavors to perform them you must give us full credit for doing so. We will incur no liability for any loss arising from non-performance by us which is caused by something beyond our reasonable control including changes in the law or regulations affecting how we normally operate.
In the event that any of these terms (each of which is severable) is for any reason illegal, invalid or unenforceable, such provision is to be deemed modified sufficiently to render it enforceable, legal and valid and of similar effect as we intended. Apart from provisions expressly covering associate companies, nothing in these terms is enforceable by anyone who is not a party to them.
To minimize the possible risks associated with the provision of personal data, every Online application on this website is encrypted using 256-bit encryption â€“ the latest and most powerful encryption technology available to secure the data. This ensures information is virtually impossible for anyone else to read unless they have the 'key' or password. A secure communications link, called a Secure Socket Layer (SSL), encrypts all the information passed between your browser and Focus Loans online applications.
By agreeing to these terms and conditions we may contact you about services or products offered by us or other companies in our group or approved by us which we believe you may be interested in, or to carry out market research about our services or products or those of third parties. We may also pass information to other companies approved by us so that they may contact you about services or products which they believe you may be interested in.
Contact for these purposes may be by post, email, SMS or by other means as we may agree with you from time to time. This will override any registrations you may have with any preference services.
If you do not wish to receive on-going contact from us please send a request in writing to:
Customer Service Department, Focus Loans
We operate a complaints procedure. If you wish to make a formal complaint, please send your complaint in writing to: Complaints Department, Focus Loans. by email to firstname.lastname@example.org
We are a Licensed Credit Broker. If you would like to know more about the protection and remedies provided under the Act, you should contact either your local Trading Standards Department or The Citizen's Advice Bureau.
In the event any provision of these terms and conditions of use and access to this website is held unenforceable, it will not affect the validity and enforceability of the remaining provisions and will be replaced by an enforceable provision that is the nearest to the intention underlying the unenforceable provision.
Information provided in this website is believed to be reliable when posted. However, Focus Loans & its Partners cannot guarantee that information will be accurate, complete and current at all times. All information on this website is subject to modification from time to time without notice.
The terms and conditions of use of this website shall be governed by and construed in accordance with the laws of England and Wales.
We do not use the information supplied by you on this site for any purpose other than what is required to process your enquiry or to advise you of quotations that may be of interest to you regarding your enquiry.
Any personal data gathered by us is only used in accordance with the UK Data Protection Act l988.
We will use your email address as a convenient way to contact you regarding your enquiry and news related to our site but will not pass your details on to third parties. If you do not wish to receive information by email please advise us accordingly.
Picking the right loan for you can be tricky enough without feeling overwhelmed by the range of financial jargon surrounding these products.
So let us help you with some Key Terms:
APR: This stands for Annual Percentage Rate and is used on lending such as credit cards, loans and mortgages. The purpose of an APR is to show the total cost of borrowing over the period of an average year so, as well as interest, the figure includes upfront fees and charges. This makes it easier to compare deals.
Car loan: This is a short-term personal loan taken specifically to buy a car. It works in a similar fashion to standard personal loans, with repayments subject to interest over a fixed number of years.
CCJ: This stands for a County Court Judgement (CCJ). It is issued by a County Court for failing to repay a loan or outstanding debt, and will have a negative impact on your credit rating and may affect your ability to get a loan or mortgage.
Credit rating: This is the 'score' given to you depending on your personal credit history. So if you've always kept up repayments on any form of credit you've had, you'll have a good credit rating, whereas if you've failed to meet payments or, say, have a CCJ against your name, your credit rating is likely to be poor.
Debt consolidation loan: This is one large loan taken out to pay off a number of loans or debts, so borrowers can manage their repayments and get back on track.
Early repayment penalty: This may be charged by the lender if you decide to pay off your loan early, before the term set when applying for the loan. It usually applies to mortgages.
Hire Purchase: A way of buying goods, such as a car, without the total cost to hand, and making instalments over a certain time period.
Payday loan: A short-term small loan â€“ of, say, Â£100 over two weeks â€“ with a typically very high interest rate as an advance on your salary payment.
Secured loan: This is a personal loan secured against an asset, such as your home. Given they come with security â€“ so if you fail to make repayments your home could be at risk â€“ the interest rates tend to be lower than for unsecured loans.
Unsecured loan: This is a personal loan taken out by a borrower over a fixed term, and available from a bank, building society or high street lenders without security. You agree to borrow a lump sum and make regular repayments to the lender.
Whatever financial product you're choosing, it's important to understand the finer detail to make sure you're picking the right one for you â€“ and know what you're signing up for, so make sure you get to grips with Terms and Policies