Welcome to Loanexpress, headquartered at 84 Wood Ln, London W12 0BZ, United Kingdom. We specialise in financial guidance and budgeting support. Our mission is to provide tailored assistance to help optimise your credit application process and maximise your chances of obtaining financing suited to your situation and needs.
These General Terms of Sale (hereinafter “T&Cs”) govern the interactions between Loanexpress and its clients. They outline the terms of use of our budgeting-coaching services and define the rights and obligations of both parties. Please read these T&Cs carefully, as they form the contractual framework for all collaborations with us.
By browsing the Loanexpress website (www.loan-express.co.uk) and using our services, you acknowledge that you have read and accepted these T&Cs in their entirety. If you do not agree with these terms, please refrain from using our services.
Company Information
Loanexpress Ltd. is incorporated in the United Kingdom. The President is James Whitmore. Loanexpress operates in compliance with applicable UK laws and international financial regulations.
Article 1: Scope of these Terms
1.1 General framework
These T&Cs apply to all services offered by Loanexpress via its official website (www.loan-express.co.uk). They define the rights and obligations between Loanexpress and its clients in the context of the services provided.
1.2 Covered services
The services offered include in particular:
- A detailed analysis of the client’s financial situation.
- Support in compiling and submitting loan applications to financial institutions.
- Personalised advice on budgeting and optimising credit options.
1.3 Target audience
These services are intended for individuals seeking professional support in their financing process. They specifically target people looking to improve their financial profile and maximise their chances of obtaining a loan.
1.4 Acceptance of the terms
Any use of Loanexpress services implies unconditional acceptance of these T&Cs. No other conditions may substitute for these terms, unless expressly agreed in writing between Loanexpress and the client.
Article 2: Purpose of the services
This document sets out the terms governing the provision of financial coaching services offered by Loanexpress. These services aim to support clients in preparing their files and in their loan application process with various financial institutions.
Article 3: Detailed description of services
3.1 Services provided
Loanexpress provides the following services through its website (www.loan-express.co.uk):
- Financial assessment: A detailed study of the client’s financial situation, taking into account income, expenses, existing debts, and savings.
- File preparation: Assistance in compiling the documents required for loan applications, such as proof of income, bank statements, and credit reports.
- Tailored recommendations: Personalised advice on financing options available according to the client’s needs and profile.
- Submission assistance: Support with filing loan applications with identified financial institutions.
- Ongoing support: Continuous assistance to respond to requests from financial institutions and track the progress of applications.
3.2 Limitations
Loanexpress acts exclusively as an adviser and cannot guarantee the approval of loan applications. Final decisions rest solely with the financial institutions. Our role is to maximise chances of success through careful preparation and appropriate expertise.
3.3 Quality commitment
Loanexpress is committed to delivering professional and ethical services, in line with the highest standards. However, the company cannot be held liable for loan refusals or terms offered by financial institutions.
Article 4: Loanexpress’s obligations and responsibilities
4.1 Best-efforts obligation
Loanexpress undertakes to use its skills and resources to provide the services detailed on its website, including financial analysis, assistance with preparing and submitting loan applications, and practical budgeting and financial advice. These services include analysis of personal finances, support in preparing and submitting credit applications, and practical budgeting and financial advice.
4.2 Professional execution
The company guarantees that its services will be carried out carefully, diligently, and in compliance with professional standards. Information and recommendations provided are based on up‑to‑date and relevant data.
4.3 Data protection
Loanexpress places paramount importance on the confidentiality of information provided by its clients. Financial and personal data collected will be used solely for the services provided and will only be shared with third parties after obtaining explicit client consent, unless required by law.
4.4 Transparency and follow‑up
Loanexpress ensures clear and regular communication with its clients. Throughout the support process, dedicated staff will be available to answer questions and clarify procedures within reasonable timeframes.
4.5 Limitation of liability
Although Loanexpress strives to provide optimal support, it cannot guarantee approval of loan applications by financial institutions. The company accepts no liability for refusals or unfavourable terms, limiting its commitment to providing services as described on its website.
4.6 Legal compliance
Loanexpress guarantees that its activities comply with the laws and regulations in force in the United Kingdom. This includes data protection, consumer rights, and obligations related to financial services.
Article 5: Client’s obligations and responsibilities
5.1 Provision of information
The client must provide Loanexpress with all data and documents necessary to deliver the services, including financial information, bank statements, proof of income, and any other documents required for a complete file.
5.2 Acceptance of limitations
The client acknowledges that the decision to grant a loan lies exclusively with the financial institutions. Loanexpress is only bound by a best‑efforts obligation. No specific outcome (such as loan approval) can be guaranteed.
5.3 Transparency and data updates
The client undertakes to provide accurate and complete information. Any changes in personal or financial circumstances that may affect the process must be promptly reported to Loanexpress.
5.4 Responsibility for information
It is the client’s responsibility to verify the accuracy of the information provided. Incorrect or incomplete information may affect the effectiveness of the service.
5.5 Following recommendations
The client is encouraged to follow the advice and guidelines provided by Loanexpress to maximise their chances of success. However, all decisions related to loan applications remain the sole responsibility of the client.
5.6 Failure to comply
If the client fails to meet their obligations (providing documents, transparency, etc.), Loanexpress reserves the right to suspend or terminate its services, without prejudice to possible actions or remedies.
Article 6: Fees and payment terms
6.1 Pricing policy
Fees charged by Loanexpress are calculated proportionally to the amount of credit requested by the client. This pricing takes into account the complexity and scope of work required for each request, according to the following brackets:
| Requested amount | Applied percentage | Variation |
|---|---|---|
| Between €1 and €3,000 | 2% to 10% of the requested amount | Depending on the complexity and specifics of the file |
| Between €3,001 and €10,000 | 2% to 10% of the requested amount | Depending on the complexity and specifics of the file |
| More than €10,000 | 2% to 10% of the requested amount | Depending on the complexity and specifics of the file |
6.2 Payment methods
- Payment by bank card: Clients may pay through a secure platform accessible via email or SMS link. The service will only be confirmed once full payment is received.
- Payment by bank transfer: Bank details will be provided to enable payment by transfer. Services will be validated upon full payment receipt.
6.3 Transaction confirmation
An electronic notification confirming each payment will be sent to the client once the transaction has been completed.
6.4 Payment default
In the event of late payment or non‑payment, Loanexpress reserves the right to suspend services. Late‑payment interest may be applied, calculated at the applicable statutory rate.
6.5 Payment security
Loanexpress ensures that all transactions are secured using encryption protocols that meet industry standards for payment data protection.
Article 7: Right of withdrawal
7.1 General principles
In accordance with applicable law, the client may exercise the right of withdrawal and cancel the service under defined conditions.
7.2 Withdrawal period
The client has 14 days from contract conclusion to withdraw from the services without justification or extra fees.
7.3 Immediate start of service and waiver of the right of withdrawal
If the client wishes the services to start before the end of the withdrawal period, an explicit request is required. If services are fully performed, the client acknowledges waiving the right of withdrawal.
7.4 Partial performance before withdrawal
If withdrawal is requested after services have begun but before completion, the client will be billed pro‑rata for services already performed.
7.5 Withdrawal procedure
To exercise the right of withdrawal, the client must notify Loanexpress in writing (email or letter) with a clear and explicit statement.
7.6 Refund
For a valid withdrawal, Loanexpress will refund the client within 14 days from notification of withdrawal.
Article 8: Protection of personal information
8.1 Respect for confidentiality
Loanexpress undertakes to protect clients’ personal and financial data throughout and beyond the duration of the contract.
8.2 Purpose of collected data
Information provided by the client will be used solely for delivering the services. They will be shared only in the event of:
- Explicit client consent;
- A legal obligation or court order;
- Legal proceedings involving Loanexpress.
8.3 Security measures
Loanexpress applies rigorous security protocols to protect data against unauthorised access, alteration, or loss.
8.4 Clients’ rights
In line with data protection regulations, clients may request access, modification, or deletion of their personal information by submitting a written request to Loanexpress.
8.5 Breach notification
In case of a data breach or compromise, Loanexpress will notify affected clients and the relevant authorities within the required timeframes.
8.6 Use of client feedback
With prior consent, Loanexpress may publish client reviews or testimonials for promotional purposes, preserving anonymity unless explicit permission is granted.
Article 9: Commitments and warranties
9.1 Compliance with professional standards
Loanexpress guarantees that its budgeting‑coaching services will be provided with care, competence, and in accordance with the quality standards in force in the sector.
9.2 Compliance commitment
All services provided by Loanexpress will comply with the agreed terms and applicable legal requirements. Any non‑conforming service will be corrected or adjusted as soon as possible.
9.3 Reporting and handling complaints
In case of quality or compliance issues, clients are encouraged to contact Loanexpress as soon as possible. After reviewing the situation, the company will propose an appropriate solution, which may include a correction at no cost, an alternative service, or a partial/full refund as applicable.
9.4 Warranty limitations
The warranty does not apply in cases of misuse of services, misinterpretation of advice provided, or modifications made by the client after the service.
9.5 Notification timelines
Clients must report any defect or problem within a reasonable period after discovery. Loanexpress will handle such requests promptly and fairly.
9.6 Additional client rights
These warranties are in addition to clients’ legal rights, particularly those under consumer protection laws. They do not replace or limit protections provided by applicable local laws.
Article 10: Governing law and dispute resolution
10.1 Legal framework
These general conditions, as well as all agreements concluded between Loanexpress and its clients, are governed by the laws of England and Wales. Any questions regarding interpretation, execution, or termination of these contracts will be subject to this legislation.
10.2 Jurisdiction
In the event of a dispute, the parties will attempt to reach an amicable solution. If no agreement is reached, the matter will be brought before the competent courts in London, England.
10.3 Consumer rights
Nothing in these general conditions shall restrict consumers’ legal rights, including those related to residence in the European Union or other jurisdictions offering specific protections.
10.4 Online dispute resolution
For EU‑based clients, a claim may be filed via the European Commission’s Online Dispute Resolution platform.
10.5 Preservation of contractual rights
The failure of Loanexpress to enforce any provision of these terms immediately shall not constitute a waiver of its right to enforce it later.
Article 11: Prospect collection and management
11.1 Advertising campaigns
Loanexpress uses targeted campaigns, including Facebook Ads, to identify and reach potential clients who may benefit from its services. These campaigns are designed to provide clear and attractive information about the services offered.
11.2 Management of collected data
Prospects’ personal data (name, contact details, etc.) collected through these campaigns is used exclusively to establish initial contact and propose suitable services.
11.3 Compliance with privacy standards
All information collected is processed in accordance with Loanexpress’s Privacy Policy, which strictly complies with personal data protection laws.
11.4 Consent and communication
Prospects may consent to or refuse marketing communications during their interactions with Loanexpress. Clear opt‑in and opt‑out mechanisms are included in every message sent.
11.5 Transparency and user rights
Loanexpress ensures full transparency on the use of collected data. Prospects may at any time request access, rectification, or deletion of their information in accordance with applicable regulations.
Article 12: Revision of the General Terms of Sale
12.1 Right to modify
Loanexpress reserves the right to revise these General Terms of Sale at any time. Such changes may result from legal requirements, changes in our services, or business adaptations.
12.2 Informing clients
Clients will be informed of changes to the T&Cs via appropriate channels, such as an announcement on the official website or an email. Users are advised to check the T&Cs regularly to stay informed.
12.3 Effective date
Unless otherwise indicated, new versions of the T&Cs will take effect as soon as they are published on Loanexpress’s website. Use of the services after that date constitutes implicit acceptance of the modifications.
12.4 Refusal of changes
If a client does not agree to the new terms, they may immediately stop using Loanexpress’s services. It is their responsibility to contact the company for any clarifications or requests regarding these changes.
12.5 Archiving previous versions
Loanexpress keeps a record of previous versions of the T&Cs, which may be made available to clients on request for specific needs or informational purposes.
Article 13: General provisions
13.1 Entire agreement
These T&Cs constitute the entire agreement between Loanexpress and its clients regarding the services provided. They replace and cancel all previous agreements, whether oral or written.
13.2 Severability
If any clause of these T&Cs is declared invalid or unenforceable by a competent court, the other provisions shall remain fully valid and enforceable.
13.3 No waiver
If Loanexpress does not exercise or delays exercising a right under the T&Cs, this shall not constitute a waiver of that right. Any waiver must be explicitly expressed in writing.
13.4 Assignment
Clients’ rights and obligations may not be assigned or transferred without written authorisation from Loanexpress. Conversely, Loanexpress may transfer its rights and obligations to another entity in the context of a restructuring, merger, or other business operation.
13.5 Force majeure
Loanexpress shall not be liable for any delay or failure to perform its obligations resulting from circumstances beyond its control, such as natural disasters, armed conflicts, strikes, technical failures, or unforeseen government actions.
13.6 Communication methods
Any notification relating to these T&Cs will be considered valid if made by email, postal mail, or through Loanexpress’s messaging tools. The contact details provided by the client at registration will be used for such exchanges.