Terms & Conditions

1. Introduction

This website ("europactloan.com") is operated by Europact Loan, a Private Limited Company registered in England and Wales (Company Number 14857296), with its registered office at The Wharf, Neville Street, Leeds LS1 4AZ, United Kingdom.

Access to and use of this website is conditional upon your acceptance of these Terms and Conditions. By accessing and using this website, you confirm that you have read, understood and agree to be bound by these terms in full. If you do not agree with any part of these terms, you must not use this website.

2. Definitions

In these Terms and Conditions:

• "Company", "we", "us" or "our" refers to Europact Loan.
• "Website" refers to the website accessible at europactloan.com and all related pages.
• "You" or "your" refers to the user or viewer of this website.
• "Services" refers to the financial products and services offered by Europact Loan as described on this website.

3. Scope of Services

Europact Loan operates as a financial services provider, connecting individuals and businesses with tailored financing solutions. The services offered through this website include:

• Private financing for individuals
• Credit solutions and debt consolidation
• Financial investment opportunities
• Business funding and working capital
• Property finance and mortgages
• Financial advisory services

The Company acts as a lender and financial intermediary, assessing applications and either providing financing directly or facilitating access to appropriate financial products through its network of partners.

4. Financial Terms

All financial terms, interest rates, repayment amounts and durations displayed on this website are representative examples based on market average conditions at the time of publication.

Actual terms and conditions, including but not limited to interest rates, fees, charges and repayment schedules, will be determined following a full assessment of your individual circumstances, credit profile and affordability.

Representative Example (ISP): A loan of GBP 25,000 over 60 months at a representative APR of 6.9% would result in 60 monthly payments of approximately GBP 490, with a total amount repayable of GBP 29,400. This is a representative example only. Your actual rate and terms will depend on your individual circumstances and will be confirmed in your personalised offer.

5. Eligibility Criteria

To submit an application for financing through this website, you must:

• Be at least 18 years of age
• Be a resident of the United Kingdom or hold valid leave to remain
• Have a demonstrable source of income (employment, self-employment, pension or other verifiable income)
• Not be subject to an active bankruptcy order, individual voluntary arrangement (IVA) or debt relief order (unless specifically considered on a case-by-case basis)
• Provide accurate and truthful information in your application

6. Application Process

You may submit a financing application through the online form available on this website. Upon receipt of your application, the Company undertakes to:

• Acknowledge receipt of your application within 24 business hours
• Conduct a thorough assessment of your application and supporting information
• Source the most appropriate financing solution from our product range or partner network
• Present a personalised proposal with clear and transparent terms
• Assist you throughout the documentation and completion process

The submission of an application does not constitute an offer of credit. All applications are subject to status, affordability assessment, credit checks and approval by the Company's credit committee.

7. Fees and Charges

The enquiry and application assessment services provided by Europact Loan through this website are free of charge to the applicant.

Any fees, charges, insurance premiums or other costs applicable to a financing facility will be those levied by the ultimate lending institution or as set out in your personalised offer documentation. All such costs will be clearly disclosed to you in writing before you are asked to commit to any agreement.

8. Data Protection and Privacy

Your use of this website and submission of personal data is governed by our Privacy Policy, which is incorporated into these Terms and Conditions by reference. By using this website, you consent to the collection, processing and storage of your personal data as described in the Privacy Policy.

We process your personal data in compliance with the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018.

9. Intellectual Property

All content on this website, including but not limited to text, graphics, logos, button icons, images, audio clips, digital downloads, data compilations, and software, is the property of Europact Loan or its content suppliers and is protected by United Kingdom and international copyright, trademark and intellectual property laws.

The Europact Loan name, logo, and tagline "Your Capital, Our Commitment" are registered trademarks of Europact Loan. You may not reproduce, distribute, modify, create derivative works from, or otherwise use any content from this website without the prior written consent of Europact Loan.

10. Website Use and Restrictions

You may use this website only for lawful purposes and in accordance with these Terms and Conditions. You agree not to:

• Use this website in any way that breaches any applicable local, national or international law or regulation
• Use this website to transmit any material that is defamatory, offensive or otherwise objectionable
• Attempt to gain unauthorised access to any part of this website or its underlying systems
• Use any automated means to access or interact with this website
• Submit false or misleading information through any form on this website

11. Limitation of Liability

To the fullest extent permitted by applicable law, Europact Loan shall not be liable for any direct, indirect, incidental, special, consequential or punitive damages, including but not limited to loss of profits, data, use, goodwill or other intangible losses, resulting from:

• Your access to or use of, or inability to access or use, this website
• Any conduct or content of any third party on this website
• Any content obtained from this website
• Any unauthorised access, use or alteration of your transmissions or content

The Company does not guarantee that this website will be available at all times or free from errors. The granting of financing is subject to the approval of the lending institution, and the Company cannot guarantee the success of any application.

12. Third-Party Links

This website may contain links to third-party websites or services that are not owned or controlled by Europact Loan. The Company has no control over, and assumes no responsibility for, the content, privacy policies, or practices of any third-party websites or services.

13. Governing Law and Jurisdiction

These Terms and Conditions shall be governed by and construed in accordance with the laws of England and Wales. Any dispute arising out of or in connection with these terms, including any question regarding their existence, validity or termination, shall be subject to the exclusive jurisdiction of the courts of England and Wales.

14. Severability

If any provision of these Terms and Conditions is held to be invalid, illegal or unenforceable by a court of competent jurisdiction, such provision shall be severed and the remaining provisions shall continue in full force and effect.

15. Changes to These Terms

We reserve the right to modify or replace these Terms and Conditions at any time. Changes will be effective immediately upon posting to this website. Your continued use of the website following the posting of any changes constitutes acceptance of those changes.

16. Contact Information

If you have any questions about these Terms and Conditions, please contact us:

• By telephone: +44 1304 700394
• By email: info@europactloan.com
• By post: Europact Loan, The Wharf, Neville Street, Leeds LS1 4AZ, United Kingdom