1. Company Information & Acceptance
1.1 The website www.employeeloans.co.uk is operated by Whichdeal Limited, a company registered in The United Kingdom under company number 04997789. Our registered office address is Waterloo House, Fleets Corner, Nuffield Road, Poole, Dorset, BH17 0HL, UK.
1.2 We are governed by UK and EU laws.
1.3 Please make sure you have read these Terms & Conditions carefully, they protect you as a user of the Site and prevent the Site from being used for any illegal or unauthorised purposes. They also outline the parameters on which you are permitted to use the Site and by accessing and continuing to use this Site you agree to be bound by and act in accordance with these Terms & Conditions.
1.5 We may amend these Terms & Conditions at any time without prior notice. You are expected to check these Terms & Conditions from time to time and your continued use of the Site will mean that you accept any amendments to the Terms & Conditions.
1.6 All rights, including copyright and database rights of the Employee Loans website and its contents are owned by Employee Loans or otherwise used by Employee Loans as permitted by applicable law.
1.7 To apply you must be at least 18 years old and a UK resident (excluding the Channel Islands and the Isle of Man). Car finance is also subject to personal circumstance.
2. Website Terms
2.1 The Site is a medium for providing information and access to products and services of third parties related to cars including new and used car loans.
2.2 We do our utmost to ensure that the information on the Site is accurate, reliable and helpful. However, the information is general in nature, and is intended as a guide only to the types of products and services offered by Employee Loans. Users are advised to consult with Employee Loans and to check any product or service information for specific information.
2.3 All vehicle descriptions are supplied by dealers, and therefore Employee Loans shall not be held responsible for any related errors or emissions on pricing or vehicle description. Employee Loans has the right to refuse a sale or adjust any details up until an order has been received in writing from the customer at an agreed price set by Employee Loans.
2.4 Any loan or other product or service which you obtain via the Site will be subject to the terms and conditions of the relevant product provider. Before proceeding with any loan or other product or service with the product provider, you should read its terms and conditions carefully and, where appropriate, take independent advice.
2.5 The Site and the information supplied for use with it have been obtained from sources believed to be reliable and accurate at the date of publication. Employee Loans makes no representation or warranty, express or implied, as to its accuracy or completeness. No independent verification has been undertaken in respect of the information supplied.
3. Permitted Use
3.1 By accessing Employee Loans web pages, you agree that you will access the contents solely for your own private use and not for any commercial or public use. Except as permitted within, you undertake not to copy, store in any medium (including in any other website), distribute, transmit, re-transmit, broadcast, modify, or show in public any part of Employee Loans web site save for the purposes as laid out in these terms and conditions without the prior written permission of Employee Loans or in accordance with the Copyright, Designs and Patents Act 1988.
3.2 You must not under any circumstances 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 seek to undermine the security of the site in any way. In particular, but without limitation, you must not attempt to alter or delete any information that you are not authorised to access , attack our site via a denial-of-service attack or a distributed denial-of service attack. By doing so you would commit a criminal offence under the Computer Misuse Act 1990.
4. Liability and Limitations
4.1 Neither the Site nor the information derived from it constitutes an offer by Employee Loans. Prices contained within the site and/or Quotations subsequently obtained are subject to confirmation by Employee Loans. We have the right to decline any proposal. No contract will be binding on Employee Loans unless it is in writing and signed by a duly authorised representative of Employee Loans.
4.2 Any photographs and colours used in the site are for illustrative purposes only and do not form part of any contract.
4.3 Accordingly, neither Employee Loans nor its directors, representatives or employees, accept any liability whatsoever for any direct, indirect or consequential loss howsoever arising from the use of this Site and the information supplied in connection therewith.
4.4 By using the Site the User further agrees to indemnify and hold Employee Loans harmless from any and all claims, expenses and liability of any kind arising out of or in connection with any use of the Site.
4.5 The Site contains links to other websites. When you activate any of these links, you will leave the Site and we accept no responsibility for the availability or content of any linked websites or for any loss or damage that may arise from your use of them. The links are provided for your convenience and any such link does not imply endorsement by us of a website or any association with the operators of a website.
4.6 In assessing your car loan application, we will make enquiries about you including searching your records held by Equifax Plc and/or Experian Ltd. You consent to us disclosing details of your finance application and we may use a ‘credit scoring’ or other automated process in deciding whether to accept your application. Your information may also be sent to a third party for further loan/insurance option purposes. Loan offers will be valid for 30 days.
5. Data Protection
5.1 If you make an application, your details will be held on computer and used in a credit scoring or other automated decision-making process when assessing your application. An enquiry will be made with Credit Reference Agencies, who will record it so that it can be viewed by other Agency users. Your information will also be checked with fraud prevention agencies and if fraud is suspected Employee Loans (“we” or “us”) will record this and those details will be shared with other subscribing organisations. For the purposes of this application you may be treated as financially linked and your application will be assessed with reference to any “associated” records. If you are a joint applicant or if you have told us of some other financial association with another person, you must be sure that you are entitled to:
• Disclose information about your joint applicant and anyone referred to by you
• Authorise Employee Loans to search, link or record information at credit reference agencies about you and anyone referred to by you
5.2 You authorise us to make all enquiries necessary to verify this information to enable us to consider this application. Under the terms of the act you have the right to obtain a copy of the information held about you upon payment of the appropriate fee.
6.1 At the request of the customer, Employee Loans will disclose to the customer, in good time before a regulated credit agreement or a regulated consumer hire agreement is entered into, the amount (or if the precise amount is not known, the likely amount) of any commission or fee or other remuneration payable to Employee Loans by the lender or owner or a third party.
6.2 Employee Loans reserve the right to charge an administration fee to cover the cost of sourcing a suitable vehicle or vetting an appropriate dealer. The administration charge is kept to a minimum to cover costs only. In the event of a cancelled order by the client, or the client changing supplier the administration fee will not be returned by Employee Loans.
6.3 If a customer wants payment from a lender within 24 hours of payouts, Employee Loans will charge a £25 administration fee.
6.4 As per Road Fund Licence (Road Tax) regulation changes on October 1st 2014, Employee Loans are not able to provide any road tax with any vehicle, new or used. It is the responsibility of the customer to contact the DVLA and arrange road tax payment. Employee Loans will not be held responsible for any loss incurred by the customer for failure to comply with the new regulations.
6.5 All contacts supplied by Employee Loans will be in English.
7. Financial services
7.1 Employee Loans is a specialist vehicle financier and vehicle supplier, strictly governed by its relationships with lenders and dealers, and cannot be held responsible for any change to vehicle specification or finance rates or any other variable outside of its control so imposed by those companies.
7.2 The term of any contract we offer will be between 12-60 months. We do not offer contracts for less than 12 months.
7.3 Any offers provided by Employee Loans will be valid for 30 days, from the date issued.
7.4 The Supply of Goods & Services Act exists to protect the customers from businesses that operate without reasonable care and skill. All services supplied by Employee Loans are governed by the Supply of Goods & Services act. You can find the act with full details here.
7.5 You will be provided with a standardised form with any credit agreement called Standard European Consumer Credit Information (SECCI). This document allows you to see exactly what your finance agreement contains. For more information visit our car finance glossary, SECCI explained page.
7.6 If you have a complaint then we have full details of the complaints procedure available on our complaints page.
7.7 If 8 weeks has passed since making your complaint and you are still not happy then you may contact the Financial Ombudsman Service (FOS). Details on FOS and how to contact them can be found here.
7.8 Quotes generated by the ‘Build your finance quote’ form are powered by the vehicle and finance settings chosen by the user. All the quotes are based on prime interest rates, and are subject to change. In addition the quotes do not take into account any customer information or circumstances which can affect an individuals chance of getting finance for a vehicle. The figures provided by this form are quotes and do not represent an acceptance for a loan of any kind. As the quotes are subject to a user’s personal circumstances and lender requirements, full confirmation on the price to be paid (including all related lender fees) will be detailed in the lenders customer documentation pack.
8.1. The customer has 14 days from the date of funding to cancel the agreement with no penalty.
8.2 If the car is delivered the customer has 14 days from the day of delivery to cancel without penalty under the Distance Selling Act. However the vehicle supplier has the right to claim reasonable compensation for any true costs incurred.
If you have any questions about these Terms & Conditions, please call us on 01202 688177.