By connecting to this website and/or its associated technologies and/or services provided to you (hereinafter collectively and individually referred to as "LoanLabs" or the "Platform"), 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.
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 use 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.
For regulated credit agreements, we provide information services only. For unregulated business loans, we may act as a direct lender and/or arranger. All credit facilities are for business purposes only. Additional terms may apply to specific services, presented at point of use. We may verify your information through third parties including credit agencies, Companies House, and your stated references.
If you intend to act as agent or broker for others, you must first seek our approval which may be granted in our absolute discretion. If you act as agent/broker for others, you personally warrant that your principal has capacity to be bound by these Terms, you have authority to bind them, the obligations will not conflict with any laws or agreements binding the principal, and you will promptly disclose the principal's identity. You remain personally liable for all fees if you later enter transactions yourself (whether directly or through affiliated entities) with parties introduced through our Platform. Where you fail to disclose your principal or your principal fails to pay fees due, you shall be personally liable for such fees.
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.
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.
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. Users grant us unlimited license to use content and data submitted. We retain all rights to aggregated and anonymized data from LoanLabs for any lawful purpose. Individual data remains confidential unless you breach these Terms.
You must be 18+ and authorized to bind your business. Business users warrant they act solely in a business capacity. You warrant all information provided is accurate and complete. Misrepresentation of status or purpose constitutes material breach. You agree that electronic signatures, clicks, or continued use constitute binding acceptance of these Terms and any updates.
Any party introduced through our Platform (including borrowers, lenders, brokers, advisors, or intermediaries) agrees not to circumvent LoanLabs for transactions with counterparties met here for 24 months after introduction. Circumvention triggers liquidated damages of 3x our standard fees. We may suspend or terminate any user's access immediately without notice. Our Platform is provided "as-is" with no guarantees of outcomes, funding, or successful matches. We reserve all rights to refuse service to anyone. Introduction Protection Periods apply as follows: debt finance 18 months from introduction, credit-sanctioned facilities 36 months from introduction, equity/mezzanine 36 months from introduction, existing relationships 36 months from loan redemption. Any transaction during these periods triggers our fees, regardless of how contact was re-established. Where we introduce you to Lender A, who introduces you to Lender B, we're deemed to have introduced Lender B. Fees apply to all resulting transactions. If any party claims they approached a lender independently during our Introduction Period, they must provide timestamped evidence pre-dating our introduction. Absent such proof, our introduction is deemed causative.
Fees are as agreed for specific services. Late payments accrue interest at 8% above Bank of England base rate. Users are responsible for their own taxes. Where a lender claws back commission paid for a transaction, we may deduct the clawback amount from your future commissions or require repayment within 30 days. You shall also pay our collection costs if we need to recover fees owed. We may audit transactions to verify fee obligations. You shall cooperate and provide documentation within 5 business days of request.
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. OUR MAXIMUM LIABILITY FOR ANY CLAIM IS LIMITED TO FEES PAID BY YOU IN THE 12 MONTHS PRIOR TO THE CLAIM. You indemnify us fully against all losses arising from: Your breach of these Terms; Your misrepresentations; Third-party claims related to your use; Any regulated activity claims.
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. Use of our Platform is subject to our Privacy Policy available at www.loanlabs.com.
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. ALL disputes must be resolved by binding arbitration under LCIA Rules in London. Claims over £25,000 require three arbitrators. Each party bears own costs regardless of outcome. Claims under £10,000 are deemed waived and may not be pursued. All claims must be brought within 12 months of arising. No class, collective, or representative actions permitted. Each party must arbitrate individually.
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. Continued use after changes constitutes acceptance.
These Terms constitute the entire agreement between parties. If any provision is unenforceable, others remain in effect. Our failure to enforce any right is not a waiver. You may not assign these Terms to any third party. No third party shall have any rights under these Terms per the Contracts (Rights of Third Parties) Act 1999. No agency, partnership, or joint venture is created. Subscription services auto-renew unless cancelled 30 days before renewal. You shall not employ or engage any of our staff, contractors or consultants for 6 months after termination of these Terms. We're not liable for delays due to events beyond our control including acts of God, war, pandemic, or system failures.
We may terminate your access immediately for any reason. Sections 7, 9, 10, 11, 13 and 15 survive termination. Termination does not affect accrued rights or fees owed.
By using our services, you acknowledge you have read and understood these Terms of Service.