Terms and Conditions
Thank you for visiting Xav Loans.
Below are a few things you need to know about us and your use of our services. Please read these terms and conditions carefully before using our services.
1. Who are we?
Xav.com is a registered trading name of Xavier Loans Limited, which is an Introducer Appointed Representative of Flux Funding Limited. Registered in England and Wales (Company number 11365136/FRN 821470) Registered Office: 63-66 Hatton Gardens, Suite 23, London, EC1N 8LE. Flux Funding is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register under reference number: 806333. Licenced by the Information Commissioners Office, (registration number ZA450458)
2. Your acceptance of these Terms and conditions
3. Changes to these Terms and conditions
4. The Xav Loans service
We provide an online credit broking service and can help you to search for certain products and services provided by our panel of lenders and credit brokers (“Our Partners”). We do not charge you a fee for using the XAC service, but we may receive a commission from Our Partners if they are able to provide you with the particular product or service you were looking for.
Our Partners are authorised and regulated by the Financial Conduct Authority.
5. Your use of our Website
Our website is for your personal use only and you must not use it in any unlawful or fraudulent manner. You should only use our service if you are a UK resident aged 18 years or over.
6. Communication from or on behalf of Xav Loans
7. Credit checks and References
We do not carry out credit checks on you when you use our website to find a financial product or service.
However, Our Partners will refer to credit reference agencies to ascertain whether you are eligible for a particular product or service and that you meet their eligibility criteria.
8. Intellectual Property Rights
We are the owner or the licensee of all intellectual property rights in our website, and in the material published on it. Those works are protected by copyright laws and treaties around the world. All such rights are reserved.
All rights in xav.com are owned by us.
9. Third party websites and Links from our Website
If you leave our website to complete an application for a product or service on the website of one of Our Partners, it is very important that you read their terms and conditions to make sure you understand and accept them.
Where our website contains links to other sites and resources provided by third parties, these links are provided for your information only. We have no control over the contents of those sites or resources and accept no responsibility for them or for any loss or damage that may arise from your use of them.
10. Information about you and your visits to our website
We aim to ensure that the material on our website is accurate and try to correct any errors or omissions as soon as we become aware of them. However, we cannot guarantee that our website is always accurate and error free. We therefore reserve the right to amend any information displayed at any time.
11. Financial Information
The contents of this site are not intended to provide any financial, investment or professional advice and nothing on the pages of this site shall be deemed to constitute the provision of financial, investment or other professional advice in any way.
12. Our liability
We do not accept responsibility or liability for any loss or damage you may incur (whether directly or indirectly) in the following circumstances:
If the information you provide to us is incorrect, incomplete or misleading;
If the product or service you apply for is not appropriate for you;
As a result of any acts or omissions of Our Partners regarding the product or service you are applying for, and/or
As a result of your use, or inability to use our website due to circumstances beyond our reasonable control.
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 law including but not limited to the Financial Services and Markets Act 2000, as amended, (“FSMA”) or any conduct of business rules developed pursuant to FSMA.
13. Viruses, Hacking and other Offences
You must not use our site knowingly to transmit any data or send or upload any material that contains viruses or any other harmful programs or computer code designed to adversely affect the operation of any computer software or hardware. You must not access without authority, interfere with, damage or disrupt any part of our site, any equipment or network on which our site is stored, any software used in the provision of our site or any equipment or network or software owned or used by any third party.
We aim to offer an excellent service to all our customers. If you feel that we have failed to provide our service or wish to make a formal complaint of any kind, please write to:
Compliance Manager, Xav Loans, 63-66 Hatton Garden, Suite 23, London, EC1N 8LE
A response will be provided promptly upon receipt of your letter of complaint.
If we do not resolve your complaint internally to your satisfaction, you may be able to refer your complaint to the Financial Ombudsman Service:
Financial Ombudsman Service,
15. Applicable Law and Jurisdiction
These terms and conditions and your access to and use of our website (including any dispute or claim arising out of or in connection with them), shall be governed by and interpreted in accordance with English law.
You agree to submit to the exclusive jurisdiction of the courts of England and Wales in connection with these terms and conditions and your access to and use of our website.
16. How to Contact Us
If you have any questions about these terms and conditions or would like to contact us for any other reason, you can contact us:
by post: Customer Services Manager, Xav Loans, 63-66 Hatton Garden, Suite 23, London, EC1N 8LE, United Kingdom or
by email: firstname.lastname@example.org