1.1 This page (together with the documents referred to in it) represents the Terms and Conditions of Use ("Terms of Use") on which you may make use of our website at www.HandyWay (the "Site") which is owned, operated, licensed, and controlled by ADV FINANCE LTD (referred to as "the Company", "we", "us" and "our"). The term "you" refers to the users and viewers of our Site. Use of our Site includes accessing and browsing our Site.
1.2 Please read these Terms of Use carefully before using our Site, as these will apply to your use of our Site. By using our Site, you confirm that you accept these Terms of Use and that you agree to comply with them. We recommend that you print a copy of this document for future reference.
1.3 If you do not agree to these Terms of Use, please do not use our Site.
3.1 Our Privacy Statement sets out the terms on which we process any personal data that we collect from you, or that you provide to us. By submitting a loan application form via our Site, you acknowledge that we will acquire your personal data for the provision of the Services. You acknowledge that these checks may include contacting your employer and contacting Credit Reference Agencies (CRAs) and Fraud Prevention Agencies (FPAs), and you consent to our acquisition, control, and processing/transfer of your personal data in accordance with the terms of our Privacy Statement at www.HandyWay/privacy-policy.
3.2 By using our Site, you acknowledge and agree that internet transmissions are never completely private or secure. You understand that any message or information you send to our Site may be read or intercepted by others, notwithstanding the Company's efforts to protect such transmissions.
4.1 Under the Financial Services (Distance Marketing) Regulations 2004, you have a right to cancel your application within 14 days of receiving these terms and conditions. As a credit broker offering an introduction service that is free of charge to you, no service fee is collected by us; however, if you wish to exercise your legal right to cancel your broker application, you must submit your request in writing.
4.2 Any cancellation requests must be sent to: ADV FINANCE LTD t/a HandyWay, Bank Chambers, St. Petersgate, Stockport, SK1 1AR, United Kingdom, or via email to customerservice@advfinance.uk.
5.1 We shall not be liable for any breach of obligation to you by any bank, lender, counterparty, intermediary, or other third party with whom you choose to do business. You will be held solely liable for any loss you suffer as a consequence of providing inaccurate or fraudulent information during your application.
5.2 If there is any partial non-performance of our obligations, provided we have made reasonable endeavours to perform them, you must give us full credit for doing so. We will incur no liability for any loss arising from non-performance by us which is caused by events beyond our reasonable control, including changes in applicable UK statutory laws or financial regulations affecting how we operate.
5.3 In the event that any of these terms (each of which is severable) is for any reason held to be illegal, invalid, or unenforceable, such provision is to be deemed modified sufficiently to render it enforceable, legal, and valid of similar effect as we intended. Apart from provisions expressly covering associate companies, nothing in these terms is enforceable by anyone who is not an explicitly recognized party to them.
6.1 We endeavour to ensure our service to you is excellent. However, if you wish to file a formal complaint regarding our credit broking platform, our complaints procedure is as follows:
In Writing:
ADV FINANCE LTD t/a HandyWay
Bank Chambers, St. Petersgate, Stockport, SK1 1AR, United Kingdom
By Email:
customerservice@advfinance.uk
6.2 We will thoroughly investigate your query and issue a final response to you within 8 weeks of receiving your complaint. If you are unhappy with our response, or if you have not received our final response after 8 weeks have passed, you have the statutory right to refer your complaint to the Financial Ombudsman Service:
Financial Ombudsman Service
Exchange Tower, London, E14 9SR
Email: complaint.info@financial-ombudsman.org.uk
Website: www.financial-ombudsman.org.uk
Telephone: 0800 023 4567 (Free on mobile phones and landlines) or 0300 123 9123
7.1 Our Site matching service is made available to consumers free of charge.
7.2 Is my loan guaranteed? No. All loan applications submitted through our platform are subject to credit status, assessment, and affordability checks. Checks will be undertaken by panel partners, which include soft or hard credit searches and fraud prevention searches to attempt to match a structured financial product to you.
7.3 Access to our Site is permitted on a temporary basis, and we reserve the right to withdraw, suspend, discontinue, or amend all or any part of it or the services we provide on our Site without notice. We may update our Site and change the content at any time.
7.4 We do not guarantee that our Site, or any content on it, will be free from errors or omissions. The content on this site is provided for general information only. It does not constitute financial or professional advice on which you should rely. You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of the content on this site.
7.5 We will not be liable if for any reason our Site is unavailable at any time or for any period.
7.6 If you choose, or you are provided with, a user identification code, password, or any other piece of security information, you must treat such details as confidential and not disclose them to any third party. We retain the right to disable any user identification code or password at any time if, in our reasonable opinion, you have failed to comply with any of these Terms of Use.
7.7 You are responsible for making all arrangements necessary for you to have access to our Site. You are also responsible for ensuring that all persons who access our Site through your internet connection are aware of these terms, and that they comply with them.
8.1 Our Site, its entire content, any materials downloaded, and all intellectual property pertaining to or contained on our Site (including but not limited to copyrights, patents, database rights, graphics, designs, text, logos, trade dress, trademarks, and service marks, collectively referred to as the "Content") are owned by the Company or third parties. All rights, title, and interest therein shall remain the property of the Company and/or such third parties. All Content is protected by copyright, patent, and trademark laws, as well as various other intellectual property rights and unfair competition laws.
8.2 Logos, trademarks, and images are the property of the Company unless otherwise noted and may not be copied, used, linked, or disseminated without our prior express written approval. You are authorised solely to view and retain a copy of the pages of our Site for your own personal, non-commercial use. You may view and make copies of relevant documents or pages on our Site for the purpose of applying for a credit product via the Company.
8.3 You agree that you will not duplicate, publish, modify, create derivative works from, participate in the transfer of, post on the World Wide Web, or in any way distribute or exploit our Site, or any portion of our Site, for any public or commercial use without our express written consent.
8.4 Additionally, you agree that you will not: (i) remove or alter any author, trademark, or other proprietary notice or legend displayed on our Site (or printed pages produced from our Site); and (ii) make any other modifications to any documents obtained from our Site other than in connection with completing information required to transact business with us.
9.1 You must not misuse our Site by knowingly introducing viruses, trojans, worms, logic bombs, or other material which is malicious or technologically harmful. You must not attempt to gain unauthorised access to our Site, the server on which our Site is stored, or any server, computer, or database connected to our Site. You must not attack our Site via a denial-of-service attack or a distributed denial-of-service attack.
9.2 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 UK law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use our Site will cease immediately.
9.3 We do not guarantee that our Site will be secure or free from bugs or viruses. We will not be liable for any loss or damage caused by a distributed denial-of-service attack, viruses, or other technologically harmful material that may infect your computer equipment, computer programs, data, or other proprietary material due to your use of our Site or to your downloading of any material posted on it, or on any website linked to it. You are responsible for configuring your information technology, computer programs, and platform in order to access our site. You should use your own virus protection software.
10.1 We do not promise that our Site or any Content, document, or feature of our Site will be error-free or uninterrupted, or that any defects will be corrected, or that your use of our Site will provide specific results.
10.2 The material on our Site could include technical inaccuracies or typographical errors. Our Site and its content are delivered on an "as-is" and "as-available" basis. All information provided on our Site is subject to change without notice. The Company cannot ensure that any files, documents, or other data you download from our Site will be free of viruses or contamination or destructive features.
10.3 The Company disclaims all warranties, express or implied, including any warranties of accuracy, non-infringement, merchantability, and fitness for a particular purpose.
10.4 The Company does not guarantee that submission of an Application Form will result in you receiving an offer of a loan from a lender.
10.5 Examples given on the Site are provided for illustrative purposes only. Representative APR examples reflect typical loan agreements but your offered rate will depend entirely on individual lender assessment criteria and your unique credit score history.
10.6 We disclaim any and all liability for the acts, omissions, and conduct of any third parties (including lenders and alternative credit brokers on our panel) in connection with or related to your use of our Site. You assume total responsibility for your use of our Site and any linked sites.
11.1 The material displayed on our Site is provided without any guarantees, conditions, or warranties as to its accuracy. To the extent permitted by UK law, we, other members of our group of companies, and third parties connected to us hereby expressly exclude:
11.1.1 All conditions, warranties, and other terms which might otherwise be implied by statute, common law, or the law of equity; and
11.1.2 Any liability for any direct, indirect, or consequential loss or damage incurred by any user in connection with our Site or in connection with the use, inability to use, or results of the use of our Site, any websites linked to it, and any materials posted on it, whether caused by tort (including negligence), breach of contract, or otherwise, even if foreseeable.
11.2 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 UK law.
12.1 By using our Site, you agree to defend, indemnify, and hold harmless the Company from and against any and all losses, claims, damages, costs, and expenses (including reasonable legal and accounting fees) that we may become obligated to pay arising or resulting from your use of our Site, the Content, or your breach of these Terms of Use.
12.2 We reserve the right to assume or participate, at your expense, in the investigation, settlement, and defence of any such action or claim.
13.1 Our Site may from time to time contain links to sites maintained by third parties, for information purposes only. We have no control over the contents of those sites and we are not responsible for the content or privacy policies of those sites. The existence of such links should not be considered an endorsement or recommendation of those sites or of any product or service offered on them.
13.2 Please note that third-party websites linked to our Site are governed by separate terms and conditions and privacy policies. Please refer directly to the applicable documentation of those websites when visiting them.
13.3 You may link to our home page, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it, but you must not establish a link in such a way as to suggest any form of association, approval, or endorsement on our part where none exists.
13.4 We reserve the right to withdraw this linking permission without notice. Our Site must not be framed on any other site, nor may you create a link to any part of our Site other than the home page.
14.1 The credit services and broker products that we provide on our Site are intended exclusively for individuals aged 18 years of age and over. Information contained on our Site does not amount to an invitation or offer to individuals under 18 to apply for credit.
15.1 These Terms of Use, their subject matter, and their formation are governed by English law. You and we both agree that the courts of England and Wales will have non-exclusive jurisdiction. However, if you are a resident of Northern Ireland you may also bring proceedings in Northern Ireland, and if you are a resident of Scotland, you may also bring proceedings in Scotland.
16.1 This agreement is executed in the English language and all operational or marketing communications between you and us will be conducted in English.
17.1 Any failure by the Company to exercise any rights or enforce any of these Terms of Use shall not constitute a waiver of such rights or terms.
17.2 If any provision of these Terms of Use is held to be invalid or unenforceable to any extent by a competent court, the remainder of these Terms of Use shall not be affected, and each remaining provision shall be valid and enforced to the fullest extent permitted by law.
17.3 These Terms of Use constitute the entire agreement between you and the Company with regard to your use of our Site, and any and all other written or oral agreements or understandings previously existing between you and the Company with respect to use of our Site are hereby superseded and cancelled.
17.4 When you submit an application and enter into an agreement with us, you will receive an confirmation email from no-reply@HandyWay which will include a copy of full terms. If you do not receive this tracking email within 2 days, please contact us immediately at customerservice@advfinance.uk.
Representative example: Amount of credit: £1200 for 18 months at £90.46 per month. Total amount repayable of £1628.28 Interest: £428.28. Interest rate: 49.9% pa (variable). APR rates range from 45.3% APR to 1575% Max APR. The rate is subject to change and the representative APR may not be the rate you'll receive. The rate you pay depends on your circumstances and loan amount, and may differ from the Representative APR.
Warning: Late repayment can cause you serious money problems. For help go to moneyhelper.org.uk
We want you to be sure this loan is right for you. So before you carry on, please only apply for a loan if you are confident that you are able to make the repayments on your due date and still manage your other outgoings. Missing repayments may have a negative effect on your credit rating and make it more difficult for you to obtain credit in the future.
IF YOU ARE THINKING OF CONSOLIDATING EXISTING BORROWING YOU SHOULD BE AWARE THAT YOU MAY BE EXTENDING THE TERMS OF THE DEBT AND INCREASING THE TOTAL AMOUNT YOU REPAY. A PAYDAY LOAN OFFERS A SHORT TERM FINANCIAL SOLUTION AND SHOULD NOT BE USED AS A LONG TERM SOLUTION.
