Terms and conditions

The use of our website is subject to the terms and conditions set out below. Please take a moment to read these terms and conditions carefully.

By using or accessing any of the Everything Financial website, you agree to be bound by the following terms and conditions. If you have any questions or if there’s anything you don’t understand, please email us at:- hello@everythingfinancial.co.uk

General

For the Purposes of these terms and conditions “we”, ”us” and “our” are Everything Financial, a trading name of Everything Financial Technologies Limited. We are a company incorporated in the UK with a company registration number of 08760331.

Our principal place of business is Future Space, UWE North Gate, Filton Road, Bristol, BS34 8RB.

Everything Financial Technologies Limited is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register under reference number 964790.

Everything Financial carries out consumer credit broking.

The information contained in this website is for residents of the United Kingdom and is not to be taken as an offer, accepted or otherwise, for any product mentioned.

This website has been extensively tested and should always work properly. However, if you experience any problems, please return to the homepage, and try again. In the event of the problem not being resolved, please contact us by email at hello@everythingfinancial.co.uk

We keep these Terms and Conditions under regular review and from time to time make changes. All information on this website is subject to modification from time to time without notice.

Services we offer

We are a credit broker and offer a comparison service in respect of loan and mortgage products from a panel of lenders and third party firms. You can make an informed choice whether you want to pursue a loan application through a third party. We do not provide advice on any credit products.

Comparison service - Mortgage Products

We work with Twenty 7 Tec who use a search engine to be able to analyse product availability across many mortgages to match the products you are looking for.

The system benefits from up-to-date product information ensuring that mortgage options are provided to you at the time you use the service. Products shown are a small sample of what may be available products for you and those displayed are not recommendations and must not and should not be seen to be financial or professional advice. If you are at all unsure, we recommend that you speak to an Independent Financial Adviser or Mortgage Broker for qualified professional advice.

The search engine will use personal information you have provided along with responses to our questions to help determine which lending products match what you are looking for.

The use of the service provided by Twenty 7 Tec is subject to their Privacy Notice.

For further information about how your details will be used, please read the rest of these Terms and Conditions, and our privacy notice.

Fees and commission

For unsecured loans, we do not charge you a fee for referral to a lender. Our income is derived from commissions paid by the lenders and other third parties we deal with for any successful introduction we make through this website.

For first and second charge mortgages where Everything Financial refer you to a third-party mortgage broker we may receive a commission paid by the third party for any successful introduction we make.

Introduction to Debt Solutions

Where we are unable to find any loan options for you, we may provide you with the details of a debt solutions company that may be of interest to you. If you are struggling to repay the debts you have, you can choose whether you want more information about debt management services and be introduced to a debt solutions company.

We will not release any information about you to a debt solutions company unless you agree to this.

The debt solutions company will then provide any advice on how you can best manage your debt.

We will receive a commission from the debt solutions company for any debt solution plan you arrange with them, where you are introduced to them through our website.

Any fees and costs associated with a debt management plan will be provided to you by the debt solutions company.

Credit check and disclosure

To process your loan or mortgage enquiry, we may search the files of licensed credit reference agencies, who will keep a record of the search, to confirm your particulars and for the purpose of a credit assessment. A record can be kept of such searches which may be used by other lenders in assessing future applications for finance by you and for fraud prevention. These organisations may use this information in the future to help make credit decisions, prevent financial crime and to trace debtors.

Information held about applicants by credit reference agencies may already be linked to records related to one or more of your partners or members of your household. For the purpose of this application, you may be treated as financially linked and the application may be assessed with reference to any 'associated' records.

Accuracy of quotes and options available

Everything Financial takes care to ensure the accuracy of the loan quotes/options available which are based on the latest information available from the lenders, eligibility providers at that time. However, the lenders on the panel reserve the right to change their % APR or % APRC rates and underwriting criteria at any time and without notice. This may result in a change to the loan/secured loan option displayed to you or may result in the loan/secured loans option being withdrawn.

The accuracy of the loan/secured loan quotes depends upon the accuracy of the information you have provided. Everything Financial and the lenders on our panel will conduct checks to verify the accuracy of the information you have provided. If information you have provided changes because of these checks, the original option may be changed or withdrawn.

Your obligations

Everythingfinancial.co.uk may be accessed for personal use. The website may also be used for business research purposes but only in the case of personnel working for a regulatory body, trade body or similar.

Comparison tables

The rates and information shown are taken from sources believed to be accurate and whilst Everything Financial takes reasonable care to ensure the accuracy of published data, this cannot be guaranteed. Everything Financial accepts no responsibility for any direct or consequential loss incurred from the use or reliance on the information published.

Users of this website should satisfy themselves as to the accuracy and suitability of any product before entering into a contract. The information contained in this website is for reference only and does not constitute an offer or personal recommendation of any kind. If in doubt, you are strongly recommended to seek advice from a suitably qualified person.

If you provide us with information about another person, you confirm that they have appointed you to act for them and they have given consent for you to process their Personal Data as set out above.

Copyright

The copyright and material on this website are owned by Everything Financial and are protected by the copyright laws of the United Kingdom. The material on this website may only be used by those who access it from the United Kingdom and such users will be entitled to copy any such information for their own personal use but may not republish, store, or reproduce any such information in any manner, including but not limited to electronic reproduction, without the prior written consent of Everything Financial. Any unauthorised downloading, retransmission, or other copying or modification of any of the contents of this website may be in breach of statutory or common law rights which could be the subject of legal action. Everything Financial disclaims all liability which may result from any unauthorised reproduction or use of the information on this website.

Trademark

Certain names, words, titles, phrases, logos, icons, graphics, or designs to the pages of this website may constitute trade names or unregistered trademarks of Everything Financial. The display of any of the above trade names or trademarks on pages of this website does not imply that any license has been granted to any third party in respect of the same. All other product or company names and devices, logos, icons, graphics, or designs referred to on the pages of this website are the trademarks of their respective owners and are exhibited only in such a manner as is intended to be for the benefit of such trademark owners and Everything Financial intends no infringement of such trademarks. The appearance or absence of products, services, companies, organisations, home pages or other Websites on this website does not imply any endorsement or non-endorsement thereof by Everything Financial. All rights not expressly granted herein reserved by Everything Financial.

Indemnity

You hereby indemnify us and undertake to keep us indemnified against any losses, damages, costs, liabilities, and expenses (including without limitation legal expenses and any amounts paid by us to a third party in settlement of a claim or dispute on the advice of our legal advisers) incurred or suffered by us arising out of any breach by you of any provision of these terms and conditions.

Liability

We provide this Site on an “as is” basis and make no representations or warranties of any kind. Everything Financial shall not be liable for any direct or indirect, special, incidental, or consequential damages, including the loss of profits, business revenue or goodwill arising from the use or access of or inability to use or access, interruption or availability of this website, its operation or transmission, computer viruses, loss of data or otherwise in respect of its use.

Any exclusions or limitations or restrictions of liability contained in these terms and conditions of use and access of this website shall be subject to the qualification that nothing contained in any such exclusion or limitations, or restrictions of liability shall operate to exclude or restrict any duty or liability of Everything Financial to any person which it has under the Financial Services and Markets Act 2000 or its amendments.

Personal Data and Privacy Notice

Use of any personal information that you provide to us through the Site or received from a third party is governed by our Privacy Notice. By sending any information to us you will be deemed to have accepted the terms of the Privacy Notice.

If you register with us, you will choose to create an account with either a user ID and password or using a social media or Google account. You must keep your password confidential. We may disable your account at any time in our sole discretion without notice or explanation.

As the Internet is not a secure medium of communication, Everything Financial cannot guarantee the security of any information you input on this website or send to us on the Internet. Everything Financial is not, and will not be, responsible for any damages you or others may suffer because of the loss of confidentiality of any such information.

Please review our full Privacy Notice for further details.

Web Links

This website contains links, buttons and banners that redirect you to third-party websites. The operation and content of those websites are determined by those third parties and will be governed by separate terms and conditions.

Everything Financial has no control over these third-party websites and as such, can accept no responsibility for the accuracy of any content on these sites. These links should not be taken as an endorsement or enticement to buy any product and are there for information and convenience only.

The provision by Everything Financial of a link to another website does not constitute any authorisation by Everything Financial to the user to access material held at that location.

Everything Financial accepts no responsibility or liability for the privacy of your personal information on such websites, as these are beyond our control.

Some of the links to third-party websites included on our website are affiliate links. This means that we may receive commission or a fee if you click on a link that takes you through to a third-party website or if you purchase a product from a third-party website.

Enforceability

In the event any provision of these terms and conditions of use and access to this website is held unenforceable, it will not affect the validity and enforceability of the remaining provisions and will be replaced by an enforceable provision that comes the closest to the intention underlying the unenforceable provision.

Governing laws and jurisdiction

The terms and conditions of use of this website shall be governed by and construed in accordance with the laws of England and Wales.

Any disputes under these terms and conditions are subject to the exclusive jurisdiction of the English Courts.

Everything Financial makes no representation that any information, materials, or functions included in this website are appropriate for use in any other jurisdiction.

How to contact us

Any questions regarding these Terms of Use should be sent by email to hello@everythingfinancial.co.uk or by writing to Everything Financial, Future Space, UWE North Gate, Filton Road, Bristol, BS34 8RB. Alternatively, you can telephone 0333 1555 1073.

Review of these Terms and Conditions

We keep these Terms and Conditions under regular review. These Terms were last updated on 31st October 2024.