Privacy Policy

Terms of Use and Privacy Policy

Last Updated: 1/4/2025

1. Preamble

By connecting to this website and/or its associated technologies and/or services provided to you (hereinafter collectively and individually referred to as “LoanLabs”), you agree to be bound by its terms and conditions (hereinafter referred to as the “Terms of Use”) set forth hereunder. Certain features of LoanLabs may be subject to additional guidelines, terms or rules, which will be posted on LoanLabs in connection with such features. All such additional terms, guidelines, and rules are incorporated by reference into these Terms of Use. By accessing or using LoanLabs, you are accepting these Terms of Use on behalf of yourself or the entity that you represent, and you represent and warrant that you have the right, authority and capacity to enter into the Terms of Use on behalf of yourself or the entity that you represent. You should read these terms of use carefully before using LoanLabs. If you do not agree to these Terms of Use, please do not use LoanLabs. By using LoanLabs, you indicate that you accept these terms of use and that you agree to abide by them.

1. Access

You may access LoanLabs, but we reserve the right to withdraw or amend the service that we provide on LoanLabs without notice. We may also suspend access to LoanLabs or close it indefinitely at any time. We will not be liable if for any reason LoanLabs is unavailable at any time or for any period. We may restrict access to LoanLabs or some parts of it to users who have registered with us. You must treat any password or user identification code that we provide to you as confidential and must not disclose it to anyone else. You may use LoanLabs for lawful purposes only. You must not LoanLabs if your use is unlawful or fraudulent. You must not gain, or attempt to gain, unauthorised access to LoanLabs, the server on which LoanLabs is stored or any server, computer or database connected to LoanLabs. If you breach any provisions of the Computer Misuse Act 1990, you may be committing a criminal offence. We will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them. If you breach these Terms of Use, your right to use LoanLabs will cease immediately and you agree to indemnify us for any loss due to your breach without limitation.

2. Content

LoanLabs may provide general information about certain products and services. Your eligibility for particular products and services is subject to our determination, restrictions, and acceptance. We may discontinue or make changes to the information, products, licenses, or services described on LoanLabs at any time. We do not claim any obligation or responsibility to update or amend any such information. Any dated information is published as of its publication date only. We reserve the right to terminate any or all offerings without prior notice. By offering information, products, or services via LoanLabs, no solicitation is made by us to any person to use such information, products, or services in jurisdictions where the provision of information, products, or services is prohibited by law. Commentary and other materials posted on LoanLabs are not intended to amount to advice on which reliance should be placed. We disclaim all liability and responsibility arising from any reliance placed on such materials by any user of LoanLabs, or by anyone who may be informed of any of its contents. Although LoanLabs tries to provide accurate and timely information, there may be inadvertent technical or factual inaccuracies, or typographical errors. For these reasons we cannot warrant the accuracy, completeness, or timeliness of the information, text, graphics, links, or other items available via LoanLabs.

3. Links

LoanLabs may contain links to third-party website which we neither own nor control, but which are provided for your convenience. If you visit a link to a website, you do so at your own risk. We accept no responsibility for third-party websites or for any loss or damage that may arise from your use of them. You may link to LoanLabs home page, provided that you do so in a way that is fair and legal and does not damage the reputation of LoanLabs or take advantage of it. The web page from which you are linking must comply in all respects with the standards set out in our acceptable use policy below. We reserve the right to withdraw linking permission without notice.

4. Intellectual Property

The LoanLabs content, including but not limited to all music, images, icons, text, software, logos, expressions, and ideas, is copyrighted and protected by U.K., E.U. and worldwide copyright laws and treaty provisions. In addition, the content is protected by patent and trademark laws, the laws of privacy and publicity, and the various communication regulations and statutes. You must not use any part of the materials on LoanLabs for commercial purposes without our prior written approval. You are not authorized to post on or transmit to or from LoanLabs any unlawful or any other content that could give rise to any civil or criminal liability under the law.

5. No Liability 

We shall have no liability for any loss of profits, anticipated savings, business opportunity, goodwill or loss of or damage to (including corruption) data (in each case whether direct or indirect) or any other indirect or consequential losses whether arising in contract, tort (including negligence) or otherwise incurred by any user in connection with LoanLabs or in connection with the use, inability to use, or results of the use of LoanLabs, any web page linked to it and any materials posted on it. We will not be liable for any loss or damage caused by a distributed denial-of-service attack, viruses or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of LoanLabs or to your downloading of any material posted on it, or on any web page linked to it.

 6. Privacy

By using LoanLabs, you consent to data processing to the extent permitted by English law and you warrant that all data provided by you is accurate.

 7. Governing Law and Jurisdiction

This agreement and any dispute or claim arising out of or in connection with it or its subject matter or formation (including non-contractual disputes or claims) shall be governed by and construed in accordance with the law of England and Wales. The parties irrevocably agree that the courts of England and Wales shall have exclusive jurisdiction to settle any dispute or claim that arises out of or in connection with this agreement or its subject matter or formation (including non-contractual disputes or claims).

 8. Amending the Terms of Use

We may revise these terms of use at any time by amending this page. You should check this page from time to time to take notice of any changes that we made, as they are binding on you. 

By using our services, you acknowledge you have read and understood these Terms of Use and Privacy Policy.