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These terms and conditions are important, please read them carefully before agreeing to them. They exist to protect both you and us. If you do not understand anything in these Terms and Conditions, then please feel free to ask us by contacting us by email at firstname.lastname@example.org If you do not agree with any of the Terms and Conditions, then please do not use our website. By using our website, you should be aware that you are fully agreeing to these terms and conditions.
1.1 Sterling Group Limited, a company registered in England and Wales with the registration number of 02715685
1.2 Our registered address is: 46 Alexandra Street, Southend-On-Sea, Essex, SS1 1BJ
1.3 Sterling Group Limited are hereafter referred to as ‘We’
2.1 We are regulated by the Financial Conduct Authority
2.2 We are authorised and regulated by the Financial Conduct Authority under registration number 688589
2.3 We are also licensed by the Information Commissioner Office under the Data Protection Act 1998, (number Z9196046)
3.1 We offer an online loan application service.
3.2 Through our website we allow you access to our computer system that will identify lenders or product providers who, based upon the information you have provided, may be able to meet your borrowing requirements. Where two or more options are available, you will be “matched” with the lender who offers the lowest repayments.
3.3 Once accepted by a lender or product provider you will be directed towards their website, after which we are unable to take responsibility for any loan you do or do not take out or any solution which you choose.
3.4 Any loan you take out as a result of using our service is between you and your lender.
3.5 We are NOT a lender.
3.6 Any ‘example repayments’ offered on our website are based on our Representative APR and are meant only as a guide. The actual rate of any loan will be down to your chosen lender.
3.7 We do not carry out any credit checks or credit scoring.
3.8 We will find you a lender or product provider based on both the information you provide and the requirements the lender or product provider has supplied. We do not promise or otherwise guarantee to find you the cheapest loan for your circumstances.
3.9 If we cannot find you a lender then we may refer you to an alternative product provider. In some cases this may be a loan broker who may ask you to pay a brokerage fee.
3.10 We may receive a commission from a product provider when we introduce you to that product provider. You agree that we are entitled to retain any such commission in full.
4.1 While we do not conduct any credit checks, individual lenders and finance providers within our system may use credit scoring to determine whether or not to extend credit to you.
4.2 By agreeing to our terms and conditions you are accepting that you may be credit checked by loan providers.
4.3 Details of credit checks carried out may appear on your credit file.
5.1 All the information you provide when using our service must be accurate and correct to the best of your knowledge
5.2 It is illegal to provide incorrect information when applying for financial products – If you provide inaccurate details when using our service, you understand that you may be subject to a fraud investigation.
5.3 You are not guaranteed access to credit by the use our service.
6.1 Subject to you having provided consent, we will contact you from time to time to offer you products and services that we think you might be interested in.
6.2 We will use Telephone, Email, SMS and postal mail to present these offers.
6.3 We will share your information with associated companies who may also contact you.
6.4 If you do not wish for us to use your data in this way then you can use the ‘Opt Out’ option when signing up.
7.1 We reserve the rights to amend or withdraw our service at any time without prior notice.
7.2 We may update and change the content on the website at any time.
7.3 We may amend or update our terms and conditions at any time.
8.1 The copyright and material on this website is owned by Sterling Group Limited and is protected by the copyright laws of the United Kingdom.
8.2 All logos, names, images, and information used on our website are the property of Sterling Group Limited.
How to contact us
If you have any questions or if you are dissatisfied with any aspect of the service you receive from us, then please contact us:
Write: 46 Alexandra Street, Southend-On-Sea, Essex, SS1 1BJ
We will always endeavour to respond to you in the shortest possible term, however in the event we are unable to resolve your query within a suitable timescale, we will acknowledge your communication within 3 working days of its receipt.