Pinehill Associates terms and Conditions
We are a Loan Broker not a Lender
1. Definition of terms
`We, us' means Pinehill Associates Limited (or anyone to whom we transfer or assign our rights and obligations under this agreement).
`You' means the person or people applying for our services.
‘The Website’ means our web site at www.pinehillassociates.co.uk
2.1. We provide a variety of services by phone, internet, mail and other means. These may include acting as a loan and finance broker. We are not responsible for tax or legal advice regarding the services and You must rely on your own expert advisers in those fields. By asking Us to provide You with services You authorise Us and any associate companies to act on Your behalf
2.2. When You ask Us, orally or in writing, to provide You with a service, You agree to abide by these terms. We acknowledge your instructions expressly or by acting upon them. You can only withdraw or vary your instructions by letting us know in writing. We treat You as our Client. We accept no liability or obligation to any third party whether or not You may be acting as their agent, fiduciary or intermediary. We will not accept instructions from third parties unless you confirm to us in writing that this is acceptable. We are entitled to act on any oral or written instructions We receive from You or anyone We believe is authorised by You to give them.
3.1. After providing us with your details, we aim to provide you with a list of lenders than match your circumstances and financial requirements, these details may be presented to you through various mediums, including, verbally by telephone, by email, by SMS text messaging, or through our website login by using the username and password provided to you. The lender details provided within our website are provided to you for a period of time deemed to be sufficient for you to choose a lender best suited to your needs. We have determined that a period of 90 days will be sufficient for the vast majority of our customers to conclude their application process. Should you feel you have not had sufficient time to utilize our service fully, please contact our customer services team at email@example.com. Access to your login account through our website may be revoked at any time without notice. We do not act on behalf of the lenders or financiers or represent them. For your protection we require the documentation covering any loan or finance agreement to meet statutory and regulatory safeguards laid down by the Consumer Credit Acts 1974 and 2006. If You would like to know more about the protections and remedies provided under those Acts please contact your local Trading Standards Department or The Citizens Advice Bureau.
3.2. We do not offer loans or finance. The lenders or financiers decide whether to approve loan or finance applications, how much to lend or finance, at what interest rate, on which terms and on what evidence of ability to repay. Where We give examples they are only illustrations. We do not warrant that examples are the actual rates and amounts because the lenders or financiers decide whether to give approval for any loan or finance and on what terms according to your specific circumstances.
4. Your Obligations
4.1. To register, apply or use our service, you agree that you must be over eighteen (18) years of age and have been a resident within the United Kingdom for over three (3) years.
4.2. You warrant that all information you provide to us is accurate and not misleading and you acknowledge that we will rely on this information when providing the service.
4.3. You must inform us immediately of any changes to the information that you provided when applying by contacting us via the ‘Contact Us’ page of this website.
Unless You inform Us differently, You agree to Us using telephone, email, SMS, fax and/or post to contact You to discuss products and services without having first been expressly invited to do so. To communicate in writing We may use the last postal address You give Us. Please note that to improve our service We may monitor and record any telephone conversations with You for security, training and evidential purposes.
6. Credit searches
We or associate companies (including lenders and financiers) may use credit scoring and other automated systems to assess your application, make decisions and verify your identity. These systems include searching your records and credit reference agencies, employers, fraud and money laundering prevention agencies and the electoral register as well as providing them with information. These agencies can add your details to their records for other organisations to do searches. A history of any searches may be applied to Your personal details held by credit reference agencies which may be seen by other organisations or lenders now or in the future.
7.1. The cost for our service is covered by the cost of your premium rate telephone call to our contact centre, none of the lenders presented to you pays any form of commission to Pinehill Associates Limited, you are entitled to a refund for the cost of your calls for any reason, including when any offer of finance is accepted and executed, ensuring that the lenders APR remains unaffected by the cost to access our service. You have up to and including 6 months from the date of your telephone call to request a refund, further details can be found under our refund banner at the top of this web page.
8. Your right to cancel the agreement
8.1. Cancellation of your application - Under Financial Services (Distance Marketing) Regulations 2004 you have a right to cancel your application within 14 days starting from the day you have made your application. If You wish to cancel your application, You must contact Customer Services by either e-mail or post notifying us. In this event. Any such requests should be made using the details provided within the contact us section of our website.
8.2. If we have met you face to face you will also have a “cooling off period” of 14 days during which cancellation can be made in the same way as in 8.1 above.
9. Refund Policy
You have a statutory right to a refund regardless of the reason why.
It’s a simple process to request a refund. We will ask you to send us a copy of your phone bill which will need to show your telephone number, or your name and address to prove that you are the bill payer, it will also need to show any calls made to our service (our telephone numbers will start with 09) and then finally the cost of your calls to us. (Network charges vary across telephone providers so we need to make sure that you are not out of pocketjust because your phone provider has charged you more)
Please post a copy of your phone bill to Pinehill Associates Limited, FREEPOST PINEHILL.
Once we receive your request, we will attempt to acknowledge receipt by email, please allow up to 30 days for us to process the refund to you. All refunds are made in the form of a cheque payable to the bill payer.
In rare instances where a replacement cheque is required, a standard charge of £12.00 will be deducted from any new cheque issued to you. This charge is made purely to cover the cost we incur from our own bank to stop and reissue a replacement cheque to you.
Should we fail to provide a refund to you within this time, please either contact us using the above methods, or if you feel that we failed to deliver on our commitment to you, you can make a complaint to us following our complaints policy within our website.
10. Disclaimers and Limitation of Liability
10.1. Whilst we have taken reasonable steps to ensure the accuracy, currency, availability correctness and completeness of the information contained on the Website, information is provided on an "as is", "as available" basis and we do not give or make any warranty or representation of any kind, whether express or implied. The use of the Website and the materials contained in it are entirely at your own risk. We shall not be liable for any losses or damages, whether direct or indirect, consequential or otherwise that you may suffer as a result of your use of the Website, including but not limited to computer service or system failure, access delays or interruption, data non-delivery or mis-delivery, computer viruses or other harmful components, breaches of security or unauthorised use of the system arising from "hacking" or otherwise or your reliance on the information contained on the Website.
10.2. We do not represent or warrant that the Website will be available and meet your requirements, that access will be uninterrupted, that there will be no delays, failures, errors or omissions or loss of transmitted information, that no viruses or other contaminating or destructive properties will be transmitted or that no damage will occur to your computer system. You have sole responsibility for adequate protection and back up of data and/or equipment and for undertaking reasonable and appropriate precautions to scan for computer viruses or other destructive properties.
10.3. We make no representations or warranties regarding the accuracy, functionality or performance of any third party software that may be used in connection with the Website.
10.4. Nothing in these Terms or in the pages of the Website shall limit our liability for death or personal injury arising out of our negligence, or for fraud, or for any other liability, which cannot be excluded or limited under applicable law.
10.5. The information, material and content provided in the pages of the Website may be changed at any time without notice. Changes may be made to the Terms at any time without notice by updating this posting. Any revised term shall take effect as at the date when the change is made to the Website. You agree to review the Terms regularly and your continued access to or use of the Website will mean that you agree to any changes.
10.6. The parties agree that if any further document is required to give full effect to the terms and conditions You irrevocably agree to execute the required documents, at our expense, without delay.
10.7. We will at all times ensure that your personal data is handled in accordance with the Data Protection Act.
10.8. If any clause or any provision of this Agreement shall be invalid or unenforceable then the remainder of such provision and all other provisions of this Agreement shall remain valid and enforceable.
11. Governing law
11.1. The Terms are governed by and interpreted in accordance with the laws of England and Wales and the courts of the above jurisdiction will have non-exclusive jurisdiction in respect of any dispute, which may arise.