Terms and Conditions 

How We Collect Your Personal Information

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We may as a result of your interaction with our website and when visit our website, store and process your information on our systems and computers.

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If you do not agree with these terms and conditions, we kindly ask you not to use our service.

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Who are we?

Lunar Lender is a registered trading name of Stagemount Ltd, a company registered in England and Wales (company number 07259223). Our registered office is located at 6 Broadway, Nottingham NG1 1PS. We are authorised and regulated by the Financial Conduct Authority (FCA) as a credit broker (reference number: 677995). 

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Your acceptance of these Terms and Conditions

By visiting our website and using our service, you are acknowledging and accepting our terms and conditions, privacy policy, and cookie policy.

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If you do not agree with these terms and conditions, we kindly request that you immediately stop using and accessing our website. Any violation of these terms will result in the immediate termination of your right to access and use our website.

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By performing the service you have requested, we acknowledge our obligations under this agreement. As the service provider, we are dedicated to serving you, our valued customer.

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We deal directly with you, and our obligations solely pertain to you as our customer. If you are accessing our service on behalf of someone else, these terms and conditions still apply specifically to you as our customer, and not to any other parties or agents associated with you.

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Changes to these Terms and Conditions

We reserve the right to modify these terms and conditions from time to time by updating this page. The updated terms and conditions will become effective from the date they are posted on our website.
By continuing to use our website after any changes have been posted, you are indicating your acceptance of the new terms and conditions.

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Lunar Lender 

Lunar Lender offers an online credit broking service that helps you search for various products and services provided by our trusted lenders, and credit brokers, referred to as "Trusted Lenders. We do not charge you a fee for using the Lunar Lender.

The ability of trusted lenders to offer you the desired product or service depends on various factors, including their assessment of your eligibility and creditworthiness based on your credit history.

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As a consumer, you are protected under the Consumer Credit Act 1974 (as amended), and Our trusted lenders are authorised and regulated by the Financial Conduct Authority.

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For more information on how the Consumer Credit Act protects consumer rights, please contact the Trading Standards Institute at www.gov.uk/find-local-trading-standards-office or the Citizens Advice Bureau at www.citizensadvice.org.uk.

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Your Use of Our Website

Our website is intended for personal use only, and you must not use it for any unlawful or fraudulent activities. You should only utilise our service if you are a resident of the UK and are 18 years of age or older.
If you are using our website on behalf of another person, it is your responsibility to ensure that they understand and agree to these terms and conditions. By providing their information, you confirm that you have obtained their permission to do so.

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Communication from or on behalf of Lunar Lender 

We may contact you via telephone, SMS, email, or post regarding our similar products and services, unless you have explicitly informed us that you do not wish to be contacted in this manner. Please refer to our privacy policy for more information.

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When using our service to find a financial product or service, we will strive to match you with one of our trusted lenders. You will be redirected to their website to complete your application. Once redirected, please review their privacy policy to understand how they handle your personal information, including any communication methods they may use to provide you with the requested financial service or product. We are not responsible for the practices of trusted lenders in this regard.

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Credit checks and References

If you choose to proceed with an offer presented any of our trusted lenders, they will conduct their own identification, validation, and credit checks (including fraud prevention procedures and affordability assessments) based on their criteria. Please note that any full credit check (also known as a "hard" search) performed by our trusted lenders will be visible on your credit file to other lenders in the future.

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You are responsible for ensuring that the information you provide is accurate and truthful. Providing misleading information will be considered a breach of our terms and may also violate any agreement you enter into with trusted lenders. Moreover, providing misleading information may lead to the initiation of criminal proceedings against you.

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Intellectual Property Rights

We are the owner or licensee of all intellectual property rights on our website and in the materials published on it. These works are protected by copyright laws and treaties worldwide. All rights are reserved.
You may print one copy and download extracts of any page(s) from our website for personal reference. You may also share material posted on our website with others.

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Modifying the paper or digital copies of any materials you have printed or downloaded is strictly prohibited. Additionally, you must not use any illustrations, photographs, video or audio sequences, or graphics separately from accompanying text.

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You must acknowledge our status (and that of any identified contributors) as the authors of material on our website.

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Without obtaining a license from us or our licencors, you must not use any part of the materials on our website for commercial purposes.

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All rights in lunarlender.com are owned by us.

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Third-party websites and Links from our Website

If you leave our website to complete an application for a product or service on our trusted lenders websites, it is crucial to read and understand their respective terms and conditions.

Our website may contain links to other sites and resources provided by third parties. These links are provided for informational purposes only. We have no control over the contents of those sites or resources and accept no responsibility for them or any loss or damage that may arise from your use of them.

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Information about you and your visits to our website

We process information about you in accordance with our privacy policy. By using our website, you acknowledge that your information will be processed in this manner. You also warrant that all data provided by you is accurate.

We strive to ensure the accuracy of the material on our website and promptly correct any errors or omissions we become aware of. However, we cannot guarantee that our website is always accurate and error-free. Therefore, we reserve the right to amend any displayed information at any time.

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Financial Information

The information on our website is not intended as financial or other advice. It is provided to assist you in finding the most appropriate product or service for your circumstances. If you require financial advice, we recommend consulting a registered and qualified Independent Financial Adviser (IFA).

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Our liability

We do not accept responsibility or liability for any loss or damage you may incur (whether directly or indirectly) under the following circumstances:

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• If the information you provide to us is incorrect, incomplete, or misleading.

• If the product or service you apply for is unsuitable for your needs.

• As a result of your use or inability to use our website due to circumstances beyond our reasonable control.

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Please note that our liability for death or personal injury arising from our negligence, as well as our liability for fraudulent misrepresentation or misrepresentation as to a fundamental matter, remains unaffected. Additionally, any liability that 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, is also unaffected.

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Viruses, Hacking, and other Offences

You must not misuse our website by knowingly introducing viruses, Trojans, worms, logic bombs, or any other material that is malicious or technologically harmful. You must not attempt to gain unauthorised access to our website, the server on which our website is stored, or any server, computer, or database connected to our website. Similarly, you must refrain from launching a denial-of-service attack or a distributed denial-of-service attack against our website.

Engaging in such activities would constitute a criminal offence under the Computer Misuse Act 1990. In the event of a breach, we will report the incident to the relevant law enforcement authorities and cooperate with them by disclosing your identity. Any breach of this provision will result in the immediate termination of your right to use our website.

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We shall not be held liable for any loss or damage caused by a distributed denial-of-service attack, viruses, or any other technologically harmful material that may infect your computer equipment, computer programs, data, or other proprietary material due to your use of our website or your downloading of any material posted on it or on any website linked to it.

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Furthermore, you are prohibited from establishing a link from any website that you do not own. Our website must not be framed on any other site, and you may only create a link to our home page. We reserve the right to withdraw linking permission without prior notice.

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Complaints

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At Lunar Lender, we strive to deliver exceptional service to all our valued customers. If, for any reason, you believe that we have fallen short of meeting your expectations or if you would like to file a formal complaint, we encourage you to communicate with us by sending a written correspondence to the following address:

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Compliance Manager
Lunar Lender 
Stagemount Ltd,
6 Broadway,
Nottingham,
Nottinghamshire,

NG1 1PS

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A response will be provided promptly upon receipt of your letter of complaint.

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In the event that your complaint remains unresolved to your satisfaction through our internal processes, you have the option to escalate your concerns to the Financial Ombudsman Service. They serve as an independent authority to which you can refer your complaint.

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Financial Ombudsman Service,
Exchange Tower,
London,
E14 9SR.
www.financial-ombudsman.org.uk

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Governing Law and Jurisdiction

These terms and conditions, as well as your access to and use of our website (including any disputes or claims arising out of or in connection with them), shall be governed by and interpreted in accordance with the laws of England.

By using our website, you agree to submit to the exclusive jurisdiction of the courts of England and Wales regarding these terms and conditions and your access to and use of our website.

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General

This agreement is written in English, and all communications between you and us will be conducted in English.
If any provision of these terms and conditions is determined to be unlawful, invalid, or unenforceable, that provision shall be deemed deleted from these terms and conditions and shall not affect the validity or enforceability of the remaining provisions.

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Our terms and conditions, privacy policy, and cookie policy constitute the entire agreement between you and us regarding your use of our website.

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Any failure or delay by us in exercising any of our rights under these terms and conditions shall not be construed as a waiver of that right, and any single or partial exercise of a right by us shall not preclude any further exercise of that right.

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Contact us

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If you have any inquiries regarding these terms and conditions or wish to get in touch with us for any other purpose, please feel free to contact us at:

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By Post: Customer Service Manager, 6 Broadway, Nottingham NG1 1PS

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By Email: Please click here to send an email to us! 

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