Homeowner Loans Online do NOT charge any fees to customers. Please be aware of suspicious phone calls from anyone claiming to be from Homeowner Loans Online, we do not call customers.
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These terms and conditions are important, please read them carefully before agreeing to them.
They exist to protect both you and us.
If you do not agree with any of the terms and conditions then please do not use our website.
By using our website you are fully agreeing to these terms and conditions.
1.1 Homeowner Loans Online is a trading style of Smart Digital Technologies Ltd, a company registered in England and Wales with the registration number of 08306600.
1.2 Smart Digital Technologies Ltd's registered address is: 145-157 St John Street, London, England, EC1V 4PW.
1.3 Smart Digital Technologies Ltd are hereafter referred to as 'We'.
2.1 We are licensed and regulated by the Financial Conduct Authority.
2.2 We hold an interim permission number of 655018.
2.3 We are also licensed by the Information Commissioner Office under the Data Protection Act 1998, (number ZA085340).
3.1 We offer an online loan finding service.
3.2 Through our website we allow you to search for a loan solution.
3.3 Once accepted by a lender or product provider you will be directed towards them either online, or by means of telephone or postal communication.
3.4 Any loan you take out as a result of using our service is between you and your lender.
3.5 We are NOT a lender.
3.6 Any 'example repayments' offered on our website are based on our Representative APR and are meant only as a guide. The actual rate of any loan will be down to your chosen lender.
3.7 We do not carry out any credit checks or credit scoring.
4.1 All the information you provide when using our service must be accurate and correct to the best of your knowledge.
4.2 It is illegal to provide incorrect information when applying for financial products - If you provide inaccurate details when using our service you understand that you may be subject to a fraud investigation.
4.3 You are not guaranteed access to credit by the use our service.
5.1 We will contact you from time to time to offer you products and services that we think you might be interested in.
5.2 We will use Telephone, Email, SMS and postal mail to present these offers.
5.3 We will share your information with associated companies who may also contact you.
5.4 If you do not wish for us to use your data in this way then you can use the 'Opt Out' option when signing up.
5.5 If you would like us to stop contacting you then please email us at firstname.lastname@example.org.
6.1 We reserve the rights to amend or withdraw our service at any time without prior notice.
6.2 We may update and change the content on the website at any time.
6.3 We may amend or update our terms and conditions at any time.
7.1 The copyright and material on this website is owned by Smart Digital Technologies Ltd and is protected by the copyright laws of the United Kingdom.
7.2 All logos, names, images and information used on our website are the property of Smart Digital Technologies Ltd.
We are committed to Responsible lending
We recognise the importance of protecting your privacy and our policy is designed to assist you in understanding how we collect, use and safeguard the personal information you provide to us and to assist you in making informed decisions when using our services. This policy will be continuously assessed against new technologies, business practices and our customers' needs.
If false or inaccurate information is provided, including in relation to a person's identity and fraud is suspected or identified, details about this information, including customer Personal Data, will be passed to fraud prevention agencies. Law enforcement agencies may access and use this information.
We and other organisations may also access and use this information to prevent and detect crime, fraud and money laundering, for example when: checking details on applications for credit and credit related and other facilities; managing credit and credit related accounts or other facilities; recovering debt; checking details on proposals and claims for all types of insurance; and checking details of job applicants and employees. We and other organisations may access and use from other countries the information recorded by fraud prevention agencies.
When you visit this web site you may provide us with two types of information: personal information you knowingly choose to disclose that is collected on an individual basis and Web site use information collected on an aggregate basis as you and others browse our Website.
Personal Information that you choose to provide
Registration Information. When you register for any of our products, services or newsletters you will provide us information about yourself.
Email Information. If you choose to correspond with us through email, we may retain the content of your email messages together with your email address and our responses. We provide the same protections for these electronic communications that we employ in the maintenance of information received by mail and telephone.
Web Site Use Information. Similar to other commercial Web sites, our Web site utilises a standard technology called "cookies" (see explanation below, "What Are Cookies?") and web server log files to collect information about how our Web site is used. Information gathered through cookies and Web server logs may include the date and time of visits, the pages viewed, time spent at our Web site, and the Web sites visited just before and just after our Web site.
We use the personal information for purposes of administering our business activities, providing the services you requested, to monitor the use of the service, our marketing and promotional efforts and improve our content and service offerings, and customise our site's content, layout, services and for other lawful purposes. These uses improve our site and better tailor it to meet your needs.
Furthermore, such information may be used in our marketing activities to inform you of other products and services that you might be interested in.
Occasionally, we may also use the information we collect to notify you about important changes to our Website, new services, and special offers we think you will find valuable. You may notify us at any time if you do not wish to receive these offers by emailing us at the link provided on the newsletter, or using the “opt out” option when you sign up.
You may request access to all your personally identifiable information that we collect online and maintain in our database by emailing us at the usual address.
Please note that your information will be stored and processed on our computers in the UK. The laws on holding personal data in the UK may be less stringent than the laws of your Country of residence or citizenship. To prevent unauthorised access, maintain data accuracy, and ensure the correct use of information, we have put in place appropriate physical, electronic, and managerial procedures to safeguard and secure the information we collect online.
This site allows visitors to unsubscribe so that they will not receive future messages. After unsubscribing we will discontinue sending the particular messages as soon as technically feasible.
No one under the age of 18 years old is permitted to use our website or service.
In the event that the web site (or a substantial portion of its assets) is acquired, your information would be considered part of those assets, and may be part of those assets that are transferred.
If you have any questions or if you want to contact us: Email: email@example.com
Write to: Smart Digital Technologies Ltd. Registered in the UK, number 08306600.
Registered Address: 145-157 St John Street, London, England, EC1V 4PW
We will respond to you within 5 working day of receiving your communication.
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