Terms and Conditions
About these Terms of Use
Last updated: July 2024
Please note the Privacy Notice has been issued separately.
1. Introduction
These Terms & Conditions (“Terms”) govern your use of www.BlendFinances.com and its associated subdomains (the “Website”). By accessing or using the Website, you agree to these Terms in full. If you do not agree with these Terms, you must refrain from using the
Website.
Blend Finances is a trading name of Moneylogyc Limited, a company incorporated in England & Wales under company number 14134520, with a registered office at 7 Bell Yard, London WC2A 2JR (“Blend Finances,” “we,” “us,” or “our”).
2. Provision of Website
The Website is provided solely for informational purposes and does not constitute financial, legal, or professional advice. Blend Finances is offered on an “as-is” basis, without any representations, warranties, or guarantees regarding the accuracy, completeness, suitability, or any specific purpose of the information and content on the Website. The Website is intended for informational purposes only and should not be relied upon as advice for any individual or entity. Users are encouraged to seek professional guidance before making any financial or business decisions.
Blend Finances operates as a comparison website and may receive commissions from our partners, including lenders and non-lender affiliates (“Partners”). We reserve the right to modify, suspend, or discontinue any aspect of the Website at any time without notice or
liability.
Use of the Website does not guarantee any financial outcomes or successful applications for funding. While we do not conduct credit or identity checks, our Partners may do so, and you should review their terms before proceeding.
By submitting or completing the loan application form on our website or our Partners’ websites, you authorise us to transmit your information to our Partners for the purpose of processing your application and conducting the necessary checks to provide you with a loan quote. These checks may include verifying your information with credit reference agencies, fraud prevention and anti-money laundering agencies, as well as accessing publicly available records, such as the electoral register. These agencies may retain a record of your information and disclose it to other entities for purposes including credit assessment, fraud prevention,
and debt tracing.
3. Data Handling & Privacy
By using the Website, you consent to Blendfinances sharing your details with relevant Partners for funding inquiries. Partners may also provide us with information about your interactions, including application outcomes. We take data privacy seriously. For further
details on how we handle your personal information, please review our Privacy Policy.
4. Intellectual Property
All intellectual property rights, including copyrights, trademarks, and proprietary content on the Website, are owned by Blend Finances. You may not copy, distribute, or use any content without our prior written consent.
5. Brokerage Services
By registering on the Website, you may be offered brokerage services (“Brokerage Services”) to facilitate funding applications through our lender panel. We may request relevant financial documents for assessment. Any funding decision remains at the discretion of the lender.
Lenders may conduct credit checks, and by engaging with our Brokerage Services, you consent to such checks. Blend Finances is not liable for any impact on your credit file. We receive commission for successful funding arrangements, which may vary on a case-by-case basis. Please note that Blend Finances is a broker, not a lender, and is not regulated by the Financial Conduct Authority (FCA).
Blend Finances reserves the right to charge a fee for any services rendered. The fee amount will be determined based on the nature and extent of the work performed. Additionally, Blend Finances may receive a commission that varies depending on the lender, financial product, or other relevant factors. By accepting these Terms, you acknowledge and agree that Blend Finances may receive a fee from its panel of lenders.
6. Limitation of Liability
Blend Finances is not liable for any direct, indirect, incidental, or consequential damages arising from your use of the Website, including but not limited to loss of profits, data, business, or goodwill. We disclaim all warranties, express or implied, regarding the Website’s accuracy, reliability, or fitness for a particular purpose.
7. Entire Agreement
These Terms constitute the entire agreement between you and Blend Finances and supersede all prior communications and agreements. Nothing in these Terms limits liability for fraud.
8. Third-Party Rights
No third party has any rights to enforce these Terms under the Contracts (Rights of Third Parties) Act 1999.
9. Miscellaneous
We reserve the right to update these Terms without notice. You may not transfer your rights under these Terms without our prior consent.
Nothing in these Terms creates a partnership, joint venture, or agency relationship between the parties. Non-performance due to unforeseen circumstances, such as strikes, natural disasters, or governmental actions, will not constitute a breach of these Terms.
If any provision is found to be unenforceable, the remainder of these Terms shall remain in full force and effect. These Terms are governed by the laws of England & Wales, and any disputes shall be subject to the exclusive jurisdiction of its courts.
10. Complaints
At Blend Finances, we are committed to providing the highest standards of customer service. Should there be any occasion where we fall short of these expectations, we invite you to raise a complaint. To assist us in resolving your concerns efficiently, please contact us using one of the following methods:
By Mail:
Complaints Department
Moneylogyc Limited t/a Blend Finances
7 Bell Yard, London WC2A 2JR
By Email:
contact@blendfinances.com
We value your feedback and are committed to addressing any concerns promptly. For any questions regarding these Terms, please contact us at the above email address.