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Terms & Conditions

Effective Date: 01 December 2024

Welcome to ProCred Financial Services! Please read these Terms & Conditions carefully before using our website and services.

1. Who We Are

ProCred Financial Services, accessible via procredfinancialservices.com, provides a loan matching service that connects consumers with participating lenders from our network. By using our services, you agree to these Terms & Conditions and our Privacy Policy.

2. Use of Our Loan Matching Service

  • To access the loan matching service, you must complete online forms requesting personal details such as your name, address, email, phone number, Social Security number, bank account information, and employment details.
  • By submitting these forms:
    • You authorize us to share your information with participating lenders.
    • You consent to be contacted by participating lenders via phone, email, or mail.
  • Participating Lenders:
    • Review your information in real-time.
    • May verify your details using credit checks, databases (Teletrack, DP Bureau), or Social Security verification.
    • Will determine if you meet their loan qualification criteria.

Note: ProCred Financial Services is not a lender and does not make credit decisions or guarantee loan approval.

3. Acceptance of Terms

By accessing and using our website, you agree to:

  • These Terms & Conditions.
  • Our Privacy Policy and Cookie Policy.

If you do not agree, please stop using our website immediately. Breaching these terms will result in the immediate termination of your access.

4. Changes to These Terms

We reserve the right to modify these Terms & Conditions at any time. Changes will become effective immediately upon posting on our website.

Continued use of our website indicates your acceptance of the updated terms.

5. Our Services

  • We provide an online credit brokering service by connecting you with lenders or credit brokers (Our Partners).
  • Fees: We do not charge you. However, we may earn a commission from Our Partners for successful matches.

Important: Loan approval, eligibility, and creditworthiness are determined solely by Our Partners.

6. Consumer Protection

7. Communication

  • By using our services, you consent to be contacted by ProCred Financial Services and Our Partners via phone, SMS, email, or mail regarding relevant products or services.
  • You may opt out of communication at any time. Please refer to our Privacy Policy for more details.

8. Credit Checks and Fraud Prevention

  • We do not perform credit checks.
  • Our Partners may conduct credit checks through external credit reference agencies to assess eligibility and prevent fraud.

Your Responsibility:

  • Ensure all information provided is accurate and truthful.
  • Misleading information may result in termination of services, breaches of agreements with Our Partners, or legal action.

9. Intellectual Property

  • All content, designs, and materials on our website are owned by ProCred Financial Services.
  • You may download or print content for personal use only.
  • You must not:
    • Modify any materials.
    • Use content for commercial purposes without our written permission.

10. Third-Party Websites

  • Our website may contain links to third-party websites.
  • ProCred Financial Services is not responsible for the content, privacy policies, or services provided by third-party websites.

11. Disclaimer of Liability

We are not liable for any loss or damages arising from:

  1. Inaccurate or incomplete information provided by you.
  2. Your interactions with Our Partners.
  3. Circumstances beyond our control, including website unavailability or errors.

Note: This does not affect liability for death, personal injury, or fraudulent misrepresentation caused by our negligence.

12. Security and Misuse

  • Do not misuse our website by introducing harmful material like viruses or attempting unauthorized access.
  • Breaching this clause is a criminal offense under the Computer Misuse Act 1990.
  • Violators will be reported to law enforcement.

13. Complaints

If you are dissatisfied with our service, please contact us:

We aim to resolve complaints promptly and fairly.

14. Governing Law

These Terms & Conditions are governed by English law. Any disputes will be resolved in the courts of England and Wales.

15. General

  • All communications will be in English.
  • If any part of these Terms is found to be invalid or unenforceable, the remaining Terms will remain in effect.
  • These Terms, along with our Privacy Policy, constitute the entire agreement between you and ProCred Financial Services.

Contact Us

If you have any questions regarding these Terms & Conditions, please contact us:

By using this website, you confirm that you have read, understood, and agreed to these Terms & Conditions.