Terms of Use | Hastings Direct Loans

Loans from Hastings Direct - Website Terms of Use

Disclaimer

Access and use of this website (“website”) and its content is subject to the following terms and conditions of use (“terms of use”). By accessing the website you confirm that you have read, understood and accept these website terms of use.

In these website terms of use, “we”, “us” and “our” means Hastings Financial Services Limited and its subsidiary companies and trading styles (including Hastings Direct) and “you” and “your” means you, the website user.

Website access and availability

The website, and the information and services provided on or through the website, are directed at those who can access the website from the United Kingdom and are intended for use solely by residents of the United Kingdom. Any online services and information we provide to you at your request will be in respect of loans, which are subject to the law of England and Wales unless you are resident in Scotland or Northern Ireland, in which case the laws of the country in which you are resident in the United Kingdom will apply.

You must not use the website or its content in countries where you are restricted or prohibited from doing so by local laws, regulations, codes and/or customs.

The website is provided on an “as is” and “as available” basis and, whilst we have taken care in the preparation of the website, we do not warrant that you will always have access to the website (in whole or in part) or that access to the website will be uninterrupted or error-free at all times. In addition, we do not warrant that your use of the website or any material downloaded from it will not cause damage to any property, including, but not limited to, loss of data or computer virus infection.

Accuracy of information

Whilst we have taken all reasonable steps to ensure that the information published on the website is accurate and up to date, we give no warranty and make no representation regarding the reliability, accuracy and completeness of the information on the website and we accept no liability for any errors or omissions.

Certain information on the website is provided by third parties and you acknowledge and agree that neither we nor our suppliers have any control over the accuracy or completeness of such third party information.

Reliance on information posted

Commentary and other materials posted on our site are not intended to amount to advice on which reliance should be placed. We therefore disclaim all liability and responsibility arising from any reliance placed on such materials by any visitor to our site, or by anyone who may be informed of any of its contents.

Copyright and use of website

You acknowledge that the copyright in the website and its entire content (including, but not limited to, design, graphical, auditory and text arrangements, database rights and other intellectual property rights) belongs to Hastings Financial Services Limited or their related, affiliated or subsidiary companies. You may only use the website for your own private non-professional use and not for commercial purposes. You may display, retrieve, print, copy or download the content of the website in whole or in part for your personal use only. You may not otherwise transfer, copy, distribute, upload, transmit, modify, publish or reproduce the content of the website in whole or in part in any material form without prior written consent from Hastings Financial Services Limited or their related, affiliated or subsidiary companies.

Entry to, or interference with, the website, with intent to corrupt, damage or deny service from the website, or for any other commercial benefit, shall be taken seriously and we shall take such action as is necessary to protect the website from any such activities in order to protect our intellectual property rights.

Our Cookie Policy also applies to your use of our Website which is linked to at the bottom of every page of the website.

Trademarks

The names Hastings Financial Services Limited, Hastings Direct and other related images, logos, icons and trademarks featured on the website are the proprietary marks of Hastings Insurance Services Limited and/or Hastings Financial Services Limited. The names, images, logos and icons of third party companies, products or services featured on the website are or may be the trademarks of their respective owners.

Unless otherwise agreed in writing with us, nothing on the website shall be deemed to confer on you any licence or right to use any featured name, image, logo or trademark and any such use may constitute an infringement of our, or a relevant third party's, rights as owner.

Use of your personal information

In using the website you agree to be bound by our Privacy Notice which forms part of these website terms of use and you understand and agree that any personal information (including sensitive information) you provide through your use of the website will be dealt with in accordance with our Privacy Notice. For more information, see our Privacy Notice which is linked to at the bottom of every page of the website.

Limitation of liability

We do not exclude or limit in any way our liability to you where it would be unlawful to do so. This includes liability for death or personal injury caused by our negligence, or to the extent liability arises as a direct result of our fraud or wilful default.

Subject to the above, and as specified in these website terms of use, we shall not be liable for any losses, damages, costs, claims, expenses or liabilities arising out of or in connection with:

The content or services offered by the website.
Any unavailability of the website or certain areas of the website.
Any amendments or changes to the website or its content.
Your use of the website otherwise than in accordance with these website terms of use.
Is a loss you have suffered which is:

Caused by a delaying event outside of our control.
Which could have been avoided by you taking reasonable action.
Is an unexpected loss, damage, cost or expense or liability that was not obvious that it would happen.

External links to and from the website

Some pages on the website may contain hypertext links to websites not operated or maintained by us (“third party websites”) which we hope will be of interest to you. You are reminded that when you enter third party websites by means of hypertext links from the website you will leave the website and will be subject to the terms and conditions and privacy policies of those third party websites. Similarly, if you enter the website by means of hypertext links from third party websites you will be subject to these website terms of use.

Hypertext links to third party websites are provided for your convenience only. You acknowledge and agree that we do not endorse, and are not responsible in any way for the availability of, information or content displayed on, or software downloaded from, such third party websites (including, without limitation, any advertisements about investment products and services) and we do not endorse or make any recommendation about products and services that are advertised or promoted on such third party websites. We are not liable for any loss or damage which may arise from your use of any third party websites.

Please be aware that some of the websites to which we provide links may collect personally identifiable information about you. We do not control these sites and are not responsible for the content or practices of third party websites. This privacy notice does not cover such sites.

Email communications

Messages sent over the internet cannot be guaranteed to be completely secure and may be subject to possible interception by third parties. For these reasons, please do not use email to send us communications that contain confidential information. We are not responsible for any messages sent over the internet and will not be liable to you or anyone else for any loss suffered in connection with any message sent over the internet.

Amendments to website conditions of use

From time to time we may amend or update these website terms of use and/or the content of the website without informing you in advance. Every time you wish to use our site, please check these terms to ensure you understand the terms that apply at that time. The website will always display the current version of the website terms and conditions. By using, and continuing to use, the website you acknowledge that you accept any such amendments or updates and so we recommend that you review these website terms of use and the content of the website regularly.

Governing law and jurisdiction

These website terms of use, their subject matter and their formation are governed by the law of England and Wales and subject to the jurisdiction of the courts of England and Wales except that if you are a resident of Northern Ireland you may also bring proceedings in Northern Ireland, and if you are a resident of Scotland, you may also bring proceedings in Scotland.

Our website services and terms

We offer an online loan application service by means of the website.

The range of lending products featured on the website are arranged and administered by, or on behalf of, Hastings Financial Services Limited trading as Hastings Direct.

If you choose, or you are provided with, a user identification code, password or any other piece of information as part of our security procedures, you must treat such information as confidential. You must not disclose to any third party.

We have the right to disable any user identification code or password, whether chosen by you or allocated by us, at any time, if in our reasonable opinion you have failed to comply with any of the provisions of these terms of use. If you know or suspect that anyone other than you knows your user identification code or password, you must promptly us at customer-service@hastingsdirectloans.com.

When you access the website these website terms of use will apply in respect of our services.

Severance

If a court invalidates some of these website terms and conditions, the rest of it will still apply. If a court or other authority decides that some of these terms are unlawful, the rest will continue to apply.

Loan documentation and information

If you take out a loan with us you will receive all of your loan documentation by email. This information is important and you should read and understand this documentation carefully before signing your loan agreement.

Your loan documentation is accessible through this website but you may wish to retain copies of that documentation when it is sent to you.

If you need any help with your loan documentation or anything else in regard to your loan or loan application please contact us at customer-service@hastingsdirectloans.com

These terms were last updated on 6th October, 2023