Direct Lend is a trading style of Technov8 Limited, a company incorporated in England & Wales (05377058) and regulated by the Financial Conduct Authority (732414). Our registered address is: Technov8 Ltd, Bartle House, Oxford Court, Manchester, M23WQ
Our Service to You
We provide an online credit broking service that enables you to apply for loans and other financial products from our panel of lenders, credit brokers, and alternative solution providers (“Our Partners”). The names and websites of our Partners can be found in our Privacy Policy. We do not charge you a fee for using our service, but we receive a commission from Our Partners if they can provide you with the product or service you are looking for. Our Partners are authorized and regulated by the Financial Conduct Authority, and you are protected under the Consumer Credit Act 1974 (as amended) (“CCA”). We have no control over the acceptance of an application as this is subject to your financial circumstances.
You can access our service in the following ways:
Applying via our website’s application form https://directlend.co.uk/apply/
Applying through one of our partner websites, where we work in conjunction with our partner and transfer you to our panel of lenders, credit brokers, and alternative solution providers.
To use our service as a credit broker, you must complete the online application, providing us with information about you and your financial circumstances.
Soft Credit Searches
Our panel of lenders will undertake a soft credit search with their credit reference agency to validate your identity, assess your eligibility for the loan, and prevent fraud. This soft search will be recorded on your credit history but is not visible to lenders and will not impact your credit score. If you do not want our panel of lenders to undertake a soft credit search, you should stop using our website immediately and not proceed with the application.
Application Outcomes
Upon completing the application, if you have been accepted by a lender, we will share details of the financial provider. The order in which we display the lenders will be based on the total amount payable, with the lowest amount first and the highest last. We have no control over the acceptance of an application, as this is subject to your financial circumstances.
In some cases, a lender may offer you a loan with a higher or lower amount than you initially applied for, resulting in a different outcome. Please consider the impact of this when deciding to proceed with the loan.
If we cannot find a suitable lender, you may be directed to an alternative solution provider offering services such as credit reports and credit builders. Please consider their services before proceeding.
Your Use of Our Website
Our website is for your personal use only, and you must not use it in an unlawful or fraudulent manner. You should only use our service if you are a UK resident aged 18 years or over. If you are using our website on behalf of another person, you are responsible for ensuring that they understand and agree to these terms and conditions and have given you permission to provide their information.
Communication and Marketing
We, our panel of lenders, credit brokers, and alternative solution providers may contact you by telephone, SMS, email, and/or post to provide information and alerts relating to your application and/or services we think may be of interest to you. In order to do so, we will rely on the consent you have given us in your application form, and we will only contact you using the means of communication that you have consented to, for the purposes you have expressly authorised. You can opt out of any contact from us at any time by clicking on the links within the SMS/email or by contacting us. Please, see our Privacy Policy in conjunction with this section.
Credit Checks and References
We may carry out a soft search on you when you use our website to find a financial product or service. This does not affect your credit score and will only be visible to you. If you decide to proceed with any offer presented by one of Our Partners, they will also carry out their own identification and validation checks, including full credit checks (also known as “hard” searches), in accordance with their criteria.
Responsibility for Information Provided
You are responsible for ensuring that the information you provide is true and accurate. Misleading information will be regarded as a breach of our terms and may result in the termination of any agreement you enter with Our Partners. Furthermore, misleading information may result in criminal proceedings against you.
Intellectual Property Rights
We are the owner or the licensee of all intellectual property rights in our website, and in the material published on it. Those works are protected by copyright laws and treaties around the world. All such rights are reserved. You may print off one copy, and may download extracts, of any page(s) from our website for your personal reference. You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text. Our status (and that of any identified contributors) as the authors of material on our website must always be acknowledged. You must not use any part of the materials on our website for commercial purposes without obtaining a licence to do so from us or our licensors.
Third-Party Websites and Links from our Website
Links contained within our website relating to our partners, lenders, credit brokers, alternative providers, and other third parties are provided for information only. If you click the links, you will be leaving our website, and we have no control over the contents of those sites or resources and accept no responsibility for them or for any loss or damage that may arise from your use of them. When visiting these sites, please ensure you read carefully and refer to the terms and conditions and privacy policy when using their sites.
Information about you
We process information about you in accordance with our privacy policy. By using our website, you acknowledge that your information will be processed in that way, and you warrant that all data provided by you is accurate. Please, visit our privacy policy for further detail on our data collection and processing practices.
We are not Financial Advisers.
The information on our website is not intended to be construed as financial or other advice. It is provided to help you find the product or service that you consider is the most appropriate for your circumstances. If you think you need financial advice, you should contact a registered and qualified Independent Financial Adviser.
Our Liability
We do not accept responsibility or liability for any loss or damage you may incur (whether directly or indirectly) in the following circumstances:
If the information you provide to us is incorrect, incomplete, or misleading.
If the product or service, you apply for is not appropriate for you;
As a result of any acts or omissions of our partners, lenders, credit brokers, or alternative providers regarding the product or service you are applying for.
As a result of your use or inability to use our website due to circumstances beyond our reasonable control.
To the extent permitted by law, we exclude all conditions, warranties, representations, or other terms which may apply to our website or any content on it, whether express or implied. We cannot guarantee that the lender or finance provider will authorize any particular loan application. This may be due to various reasons, including but not limited to system issues, unforeseeable events, matters beyond our or the lender’s or finance provider’s control, or incorrect information provided.
We shall not be liable for any loss you may suffer unless we have been negligent or have not acted in accordance with these Terms and Conditions, or unless otherwise required by UK law. If you do not use our website with reasonable care and in accordance with these terms and conditions, or if we discover or are notified that you are using our website fraudulently, we and the lender or finance provider reserve the right to charge you for any reasonable costs incurred in taking action to prevent your usage of our website and recover any monies owed as a result of your activities.
This does not affect our liability for death or personal injury arising from our negligence, nor our liability for fraudulent misrepresentation or misrepresentation as to a fundamental matter, nor any other liability which cannot be excluded or limited under applicable law, including but not limited to the Financial Services and Markets Act 2000, as amended, (“FSMA”) or any conduct of business rules developed pursuant to FSMA.
Viruses, Hacking, and Other Offences
You must not misuse our website by knowingly introducing viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not attempt to gain unauthorized access to our website, the server on which our website is stored, or any server, computer, or database connected to our website. You must not attack our website via a denial-of-service attack or a distributed denial-of-service attack. By breaching this provision, you would commit a criminal offence under the Computer Misuse Act 1990. We will report any such breach to the relevant law enforcement authorities and we will cooperate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use our website will cease immediately.
Governing Law and Jurisdiction
These terms and conditions, along with your access to and use of our website (including any dispute or claim arising out of or in connection with them), are governed by and interpreted in accordance with English law. You agree to submit to the exclusive jurisdiction of the courts of England and Wales concerning these terms and conditions and your access to and use of our website.
General Provisions
These terms and conditions constitute a binding agreement between us, which shall be governed by and interpreted in accordance with English law.. All communications between you and us will be in English. If any provision of these terms and conditions is found to be unlawful, invalid, or unenforceable, that provision shall be deemed deleted from these terms and conditions without affecting the validity or enforceability of the remaining provisions.
Our terms and conditions, privacy policy, and cookie policy constitute the entire agreement between you and us relating to your use of our website. No failure or delay by us in exercising any of our rights under these terms and conditions shall constitute a waiver of that right, nor will any single or partial exercise by us of any right preclude any further exercise of any right.
The courts of England and Wales will have exclusive jurisdiction in connection with any conflicts arising from these terms and conditions and your access to and use of our website.
Contact Information
If you have any questions about these terms and conditions or would like to contact us for any other reason, you can reach us at:
Email – support@technov8.com
Post – Technov8 Ltd, Bartle House, Oxford Court, Manchester, M23WQ
Info
Privacy & Terms
Contact
Direct Lend is a trading style of Technov8 Limited, a company incorporated in England & Wales, with company registration number: 05377058. Our registered address is: Technov8 Ltd, Bartle House, Oxford Court, Manchester, M23WQ
Technov8 Limited is authorised and regulated by the Financial Conduct Authority (FCA) under registration number 732414. We are also registered with the Information Commissioner Officer under registration reference Z3652660.
Technov8 Limited is a credit broker, not a lender. We do not charge customers a fee for using our services, but we receive a commission from lenders or other brokers if a customer enters into a consumer credit agreement following an introduction through our website. We work exclusively with a selected group of lenders and credit brokers to offer you a range of credit and loan products. We may receive a percentage of the loan amount as a commission from a loan provider or broker if you take out one of their products and/or we may receive a fee for introducing you to them.
When you apply for a loan through us, the lender will disclose directly to you all the relevant information relating to interest and charges associated with the loan. Please note that the lender or broker we direct you to may not offer the cheapest loan that is available to meet your needs.
[*] The APR depends on the lender and the customer’s circumstances. The Representative APR is based on the mean APR of our panel of lenders.
Loans are available to individuals over 18 years old, subject to status. The majority of loan applications are processed online; however, there are circumstances where our lenders may need to call you. Further information relating to why lenders will need to call you is disclosed within their terms and conditions.
Upon approval, your cash could be sent within minutes, though the time it takes for the cash to be received in your account will depend on your bank’s policies and procedures. If we cannot find you a loan, we may transfer you directly to alternative firms and services which may incur a monthly fee, such as credit building tools if you choose to use them.
By using our services, you agree that this agreement is in English, and all communications between you and us will be in English.
