This document was last updated on March 18, 2024.

This website is owned and operated by Consumer Genius Limited. Access and use of this website is provided by Consumer Genius to you on condition that you accept these Terms of Use. By accessing or using this website, you agree to these Terms of Use. If you do not agree to accept and abide by these Terms of Use you may not access or use this website.

Consumer Genius may revise and update these Terms of Use at anytime and without notice. You are cautioned to review the Terms of Use posted on the website periodically. Your continued access or use of this website after any such changes are posted will constitute your acceptance of these changes.

You may not interfere with the security of, or otherwise abuse this website or any system resources, services or networks connected to or accessible through this website. You may only use this website for lawful purposes.

If you are residing in a jurisdiction which restricts the use of internet-based applications according to age, or which restricts the ability to enter into agreements such as set out in these Terms of Use according to age and you are under such a jurisdiction and under such age limit, you may not enter into this agreement or use this website (or any of its related services). Your profile may be deleted and these Terms of Use may be terminated without warning, if we believe that you are under age or your use of this website (or any of its related services) is not allowed.  

Consumer Genius provides credit and referral services throughout the United Kingdom.

Consumer Genius is committed to respecting the privacy of the personal data of the individuals with whom we interact. We have developed a Privacy Policy to describe our privacy policies and practices and how we collect, use and disclose the personal data of those individuals who visit this website (or any of its related services). Please see our Privacy Policy https://consumergenius.co.uk/privacy for further details.

If you would like to use our services in connection with applying for a loan or other credit service using our Website, Consumer Genius will collect, use, and disclose the personal data that you provide for the purposes of enabling us to provide such services to you. Please see our Privacy Policy for further details.

Although this website is hosted in the UK, you acknowledge and agree that access to and use of this website (and any of its related services) is provided via the Internet and that your information, including personal data, may be transferred outside of the United Kingdom and stored or processed in a country outside of the United Kingdom, in particular by Consumer Genius Limited in Canada. Such transfers (including the safeguards put in place for such transfers) are detailed in our Privacy Policy.

As referenced above, if you apply for a loan or other credit product or service through this website, Consumer Genius, its affiliated entities, affiliated brands, parent companies, related entities, related brands (collectively the “related affiliates”), and/or our third-party business affiliates will collect, use and/or disclose the personal data that you provide to us to confirm your financial situation and your initial and ongoing eligibility for such credit products and services (as further detailed in our Privacy Policy). In addition, in connection with the provision of such products and services, you may be contacted by Consumer Genius, its related affiliates and/or our third-party business affiliates via SMS, email, postal mail, telephone (Including voicemail) or digital messaging. Such contact will only be for the purposes of providing the services, unless you have provided your consent for marketing as set out below.

In addition, you also acknowledge that using the service may require Consumer Genius, its related affiliates, and/or our third-party business affiliates to perform a credit check on you, based on the information you have provided, to confirm your financial situation and your initial and ongoing eligibility for such products and services.

Where you have provided your consent, Consumer Genius, its related affiliates and our third-party business affiliates may offer you products, services and pre-qualifications for other related or non-related credit or financial and non-financial products and services. You acknowledge that: (i) all communications to you from Consumer Genius, its related affiliates, and its third-party business affiliates may be done via SMS, telephone (including voicemail), email, postal mail or digital messaging; and; (ii) Consumer Genius its related affiliates and our third-party business affiliates may receive a referral fee for providing you with or referring you to a loan or other credit product or any other service; and (iii) Consumer Genius may use any reviews you submit online for its own promotional or staff training purposes.

You agree that you will not attempt to, nor permit any third party to, enter restricted areas of Consumer Genius’ computer systems or perform functions that you are not authorized to perform pursuant to these Terms of Use. Consumer Genius may, without notice, temporarily suspend your, or any other party’s, access to this website (and any of its related services), (including, without limitation, any specific areas hosted within this website) by deactivating any password(s) or links to the Internet if Consumer Genius reasonably suspects that you, or any other parties, are obtaining unauthorized access to Consumer Genius’ other systems or information, or are using otherwise valid user identifications or passwords in any other unauthorized manner. These suspensions will be for such periods of time as Consumer Genius may reasonably determine is necessary to permit the thorough investigation of such suspended activity.

All materials (including the organization and presentation of such material) on this website (the “Materials“) are the property of Consumer Genius and its licensors and may be protected by intellectual property laws including laws relating to copyrights, trade-marks, trade-names, internet domain names and other similar rights.

The Materials may only be used and copied for your own non-commercial, personal purposes, provided that the Materials are not modified and that copyright and other intellectual property notices are not deleted. You may not create derivative works from or otherwise exploit the Materials in any way. Unless you have entered into a separate agreement with Consumer Genius, any other use of these Materials without Consumer Genius’ written permission is prohibited.

Consumer Genius updates the information on this website periodically. However, Consumer Genius cannot guarantee or accept any responsibility or liability for the accuracy, currency or completeness of the information on this website. Consumer Genius may revise, supplement or delete information, services and/or the resources contained in this website and reserves the right to make such changes without prior notification to past, current or prospective visitors.

This website may provide links to third-party websites for your convenience only. The inclusion of these links does not imply that Consumer Genius monitors or endorses these websites. Consumer Genius does not accept any responsibility for such websites. Consumer Genius shall not be responsible or liable, directly or indirectly, for any damage or loss, caused or alleged to be caused by or in connection with the use of or the reliance upon any information, content, goods or services available on or through any third-party websites or linked resources.

Due to technical difficulties with the Internet, Internet software or transmission problems could produce inaccurate or incomplete copies of information contained on this website. Consumer Genius shall not be responsible or liable for any software, computer viruses or other destructive, harmful or disruptive files or programs that may infect or otherwise impact your use of your computer equipment or other property on account of your access to, use of, or browsing on this website or your downloading of any of the Materials from this website. Consumer Genius recommends that you install appropriate anti-virus or other protective software.

THIS WEBSITE AND THE MATERIALS ARE PROVIDED “AS IS”, “WHEN AVAILABLE”, AND “WITH ALL FAULTS”, WITHOUT REPRESENTATION, WARRANTY OR CONDITION OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO THE IMPLIED REPRESENTATIONS, WARRANTIES OR CONDITIONS OF MERCHANTABILITY, OR FITNESS FOR A PARTICULAR PURPOSE. CONSUMER GENIUS DOES NOT REPRESENT OR WARRANT THAT THIS WEBSITE OR THE MATERIALS WILL MEET YOUR REQUIREMENTS OR THAT THEIR USE WILL BE UNINTERRUPTED OR ERROR-FREE.

YOU ASSUME ALL RESPONSIBILITY AND RISK FOR USE OF THIS WEBSITE AND THE MATERIALS INCLUDING WITHOUT LIMITATION ANY OF THE INFORMATION CONTAINED THEREIN.

IN NO EVENT SHALL CONSUMER GENIUS OR ANY OF ITS DIRECTORS, OFFICERS, EMPLOYEES, SHAREHOLDERS, PARTNERS, OR AGENTS BE LIABLE FOR ANY INCIDENTAL, INDIRECT, PUNITIVE, EXEMPLARY, CONSEQUENTIAL OR OTHER DAMAGES WHATSOEVER (INCLUDING DAMAGES FOR LOSS OF PROFITS, INTERRUPTION, LOSS OF BUSINESS INFORMATION, OR ANY OTHER PECUNIARY LOSS) IN CONNECTION WITH ANY CLAIM, LOSS, DAMAGE, ACTION, SUIT OR OTHER PROCEEDING ARISING UNDER OR OUT OF THESE TERMS OF USE, INCLUDING WITHOUT LIMITATION YOUR USE OF, RELIANCE UPON, ACCESS TO, OR EXPLOITATION OF THIS WEBSITE, THE MATERIALS OR ANY PART THEREOF, OR ANY RIGHTS GRANTED TO YOU HEREUNDER, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, WHETHER THE ACTION IS BASED ON CONTRACT, TORT (INCLUDING NEGLIGENCE), INFRINGEMENT OF INTELLECTUAL PROPERTY RIGHTS OR OTHERWISE.

IN ANY EVENT, CONSUMER GENIUS’ TOTAL MAXIMUM AGGREGATE LIABILITY UNDER THESE TERMS OF USE OR THE USE OR EXPLOITATION OF ANY OR ALL PART OF THIS WEBSITE OR THE MATERIALS IN ANY MANNER WHATSOEVER SHALL BE LIMITED TO £100 GBP.

SOME JURISDICTIONS DO NOT ALLOW FOR THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE ABOVE LIMITATION OR EXCLUSION MAY NOT APPLY TO YOU.

You agree to indemnify and hold Consumer Genius harmless against all claims or liability asserted against Consumer Genius arising out of or in connection with any breach by you or anyone acting on your behalf of any of these Terms of Use.

Feel free to contact us at: [email protected]; or at Consumer Genius c/o 18 Soho Square, London, Westminster United Kingdom

Should you choose to email us, kindly note that the Internet is not a secure medium and any such communication may be lost, intercepted or altered. Consumer Genius is not liable for any damages related to communications to or from us. You agree with respect to any information provided by you to us that:

• Consumer Genius has no obligation concerning such information;
• the information is non-confidential;
• Consumer Genius may use, disclose, distribute or copy the information and may use any ideas, concepts or know-how contained in the information for any purpose; and
• the information is truthful and disclosure of the information does not violate the legal rights of others.

This website can be accessed from the United Kingdom, as well as from other countries around the world. As each of these jurisdictions has laws that may differ from those of the United Kingdom, by accessing this website, you acknowledge and agree that all matters relating to access to or use of this website shall be governed by the laws of England and Wales (without reference to conflicts of laws principles).

You also agree that any claims or disputes whatsoever arising hereunder shall be submitted to the exclusive jurisdiction and venue of the courts of England and Wales and acknowledge that you do so voluntarily.

Consumer Genius’ failure to insist upon or enforce strict performance of any provision of these Terms of Use shall not be construed as a waiver of any provision or right.

If any provision or part thereof of these Terms of Use is wholly or partially unenforceable the parties or, in the event the parties are unable to agree, a court of competent jurisdiction, shall put in place thereof an enforceable provision or provisions, or part thereof, that as nearly as possible reflects the terms of the unenforceable provision or part thereof.