Terms and Conditions – Autodosh Car Finance
Our Terms
The information below contains important points which you need to know about MediaBlanket Ltd and the service we provide. We request that you read the following Terms and Conditions prior to using this form, to ensure that you are satisfied with the service that we can offer you.
By proceeding with access to this Site, you are deemed to have accepted both these Terms and Conditions and our Privacy Policy. If you do not wish to be bound by these, then we request that you do not use our services.
Definitions
"Terms" means these terms and conditions;
"Users" means the users of the website collectively;
"User Information" means the details provided by you on any application via the website;
“Iframe” means our hosted form which is used by this site that it is embedded within;
"We/Us/Our" means MediaBlanket Ltd;
"Website / Site" means the website or any subsequent URL which may replace it which is used to access our form;
"You/Your/Customer" means a user of the website.
“Service” means the process in which MediaBlanket Ltd matches your application with a Lender or Finance Provider.
“MediaBlanket” means MediaBlanket Ltd.
“Lender/Provider” means the third party company who may provide you with a loan or a Loan Brokerage service and or another financial service.
Information On Our Site
Whilst we do our best to ensure that the information on the Site is accurate and helpful at all times, the information is general in nature, and is intended as a guide only to the types of products and services offered by MediaBlanket Ltd. To check any product or service for specific information we ask that users consult with MediaBlanket Ltd.
Your Use Of Our Site
The Site and form may only be used for lawful purposes and in a lawful manner. You agree to comply with all applicable laws, statutes and regulations regarding the form and its use. You agree not to upload or transmit through the form: any computer viruses or anything else designed to interfere with, interrupt or disrupt the normal operating procedures of a computer; and any material which is defamatory, offensive or of an obscene character.
Under no circumstances should you attempt to undermine the security of our Site, or any information available or submitted through it. Including, but without limitation, you must not:
- Seek to access, delete or alter any information to which you do not have authorised access
- Seek to overload the system via flooding or spamming
- Take any action or use any device, software or routine to damage, delay or in any other way interfere with the operation of this Site
- Attempt to decipher, disassemble or modify any of the coding, information or software comprise in the Site
You are solely responsible for any information that you submit to the Site and are responsible for ensuring that all information supplied by you is accurate, up-to-date and not misleading or likely to mislead or deceive.
Links To Third Party Websites
This Site may include links to other websites which are not owned, operated, or controlled by MediaBlanket Ltd ("Third Party Websites"). We provide you with these links for your convenience. The inclusion of such links does not imply or mean that MediaBlanket Ltd endorse these Third Party Websites, their contents or availability or any agreement or understanding that you enter into with a third party via a Third Party Website. MediaBlanket Ltd does not accept any liability for any costs, expense, damage, loss or any liability whatsoever incurred by you in respect of these Third Party Websites.
About Us
This Site is a trading style of MediaBlanket Ltd, Registered in the UK 07949139. Registered address: MediaBlanket Ltd, Lloyds House, 18-22 Lloyd Street, Manchester, M2 5WA. Registered with the Information Commissioner's Office Z3334636. Authorised & regulated by the Financial Conduct Authority under Firm Reference No 723605.
As we will be providing a service to you, we will therefore have no obligation to any other party, only you. Please also be aware that if a third party uses our services on behalf of you, our obligation will still be with you being our customer. Furthermore, the Terms and Conditions will also relate to you, our customer, and not with any other third parties.
Our Service
This Site is owned and operated by MediaBlanket Ltd. We are not a Lender or Provider of Credit and therefore we will not provide finance directly to you; we provide an online credit broking service and we will introduce you to Lenders or Providers of financial services. By submitting an application through our form will be giving your consent for MediaBlanket Ltd to match your application with one of the Lenders or Providers on our panel. If you apply via our online form, we will present your application in real time to one or more of our Lenders or Providers based on their lending criteria until such time as one of our Lenders or Providers accepts your application or all Lenders and Providers decline your application. If a Lender or Provider accepts your application, you will be forwarded to a page on the Lender or Provider’s website that they have requested we direct you to, or if the Lender or Provider does not work online we may present you with a screen that gives you information and contact details relating to the Lender or Provider that accepts you. It is important to understand that we will only forward you to a Lender or Provider that has looked at your application and accepted it as one they believe there is a good chance they can provide a loan or relevant services to you, (if you have submitted an online form application), or we will only display to you a Lender or Provider that is relevant to your search. It is also important to understand that we may be paid a fee by the Lender or Provider for introducing you to them.
There is no obligation for you to take up the loan or service with the Lender or Provider that we introduce you to. You should read their conditions carefully and make a responsible decision on whether you believe their service is right for you. You will be signing a legally binding credit agreement if you accept their terms. If you have any questions or are unsure you should contact the Lender or Provider before taking out any service or loan with them.
Any examples of amounts available to borrow, terms (repayment periods) or rates stated on our or the Lender or Provider websites are purely given as a representative example relating to the product. These representative examples are stated to give you an understanding of the products available. Representative examples are not given as a figure of what you will actually be offered by the Lender/Finance Provider, therefore cannot be given as a guarantee nor can they be used as any kind of warranty. As we do not provide the loan or financial service directly to you we are unable to control the representative rate examples contained on the website. Please also be aware that the decision to offer any loan or financial service is made by the Lender or Finance Provider and we have no control over the decision making.
The Lender/Finance Provider will conduct an assessment on you before any decision or offer is made; this may include a full assessment of your credit history both past and present.
Consumer Checks & Referencing
Upon application, the Lender or Finance Provider may use both fraud prevention and credit referencing agencies to help make relevant decisions. Credit checks (either soft or hard searches), and credit reference agencies can also help prevent fraudulent applications, so we ask you to agree to using data provided for the purpose of preventing fraud and ensuring your identity is protected.
Information provided by you must always be true and accurate, as misleading information will be regarded as a breach of our terms and is likely to breach any agreement you have entered with a Lender or Finance Provider. Misleading information may also result in the instigation of criminal procedures against you.
If you have authorised any third parties to act on your behalf, any information given by the third party will be contractually binding on you. Should you choose to make a joint application for a loan or finance via the website, each party will be dealt with as a client acting with the consent of the other, and if correspondence is entered into with one party of the joint application it shall be assumed that the communication is with both parties.
Information About You (including your visits to the website)
We will only process information about you in accordance with the Privacy Policy. When you use our website and form you consent to us processing your personal information and therefore warrant that all information/data provided by you is accurate and correct. Please familiarise yourself with the details within our Privacy Policy prior to submitting your application.
Communication
Unless stated otherwise, we may contact you via means of telephone, SMS, post, WhatsApp or email to provide information and alerts relating to your application and or services we think may be of interest to you.
Intellectual Property Rights
The copyright and material on this website & form is owned by MediaBlanket Ltd and is protected by the copyright and trademark laws of the United Kingdom. You are permitted to copy any such information for your own personal use but may not republish, store or reproduce any such information in any manner, including but not limited to electronic reproduction, without the prior written consent of MediaBlanket Ltd.
Any unauthorised downloading, retransmission, or other copying or modification of any of the contents of this form may be in breach of statutory or common law rights which could be the subject of legal action. MediaBlanket Ltd disclaims all liability which may result from any unauthorised reproduction or use of the information on this form.
Liability
We cannot guarantee that the Lender or Finance Provider will authorise any particular loan application. This may be as a result, directly or indirectly, of a systems problem, issues which are unforeseeable or outside of our control or that of the Lender, or Finance Providers, or because information has been provided incorrectly. Accordingly, we shall not be liable for any loss you may suffer unless we have been negligent or not acted in accordance with these Terms and Conditions or unless otherwise required by UK law. In the event that you do not use this form with reasonable care and in accordance with these terms and conditions or we discover or are notified that you are using this form fraudulently, we, the Lender or Finance Provider reserve the right to charge you for any reasonable costs that we may incur in taking action to stop you using the form and recover any monies owed as a result of your activities.
If you follow links from any of our sites to the sites of Lenders or Providers, we cannot be held responsible for the information they display, nor their practices, nor their privacy policies, and this applies to any products or services that you may enter into agreements with them for. you are responsible for your dealings with them.
If you agree a loan upon which is secured against any of your property, (for example your vehicle), you do so in full knowledge that your property may be repossessed if you do not keep up repayments.
Jurisdiction
The website & form is controlled and operated in the United Kingdom. These terms and any non-contractual obligations arising out of or in connection with these terms will be governed by the laws of England and Wales and you irrevocably agree to submit to the exclusive jurisdiction of the English courts.
If any provision(s) of these Terms and Conditions is held by a court of competent jurisdiction to be invalid or unenforceable, then such provision(s) shall be construed, as nearly as possible, to reflect the intentions of the parties and all other provisions shall remain in full force and effect. MediaBlanket Ltd’s failure to exercise or enforce any right or provision of these Terms and Conditions shall not constitute a waiver of such right or provision unless acknowledged and agreed to by MediaBlanket Ltd in writing.
Complaints
We endeavour to make every effort to ensure our service to you is excellent; however, if you wish to make a formal complaint, please send your complaint via email, in writing or you can telephone us.
Email us at hello@mediablanket.co.uk,
Write to: The Compliance Manager, MediaBlanket Limited, Lloyds House, 18-22 Lloyd Street, Manchester, M2 5WA
Telephone 0161 711 0415.
We will issue a final response to you within 8 weeks of Us receiving your complaint. If you are unhappy with our response or have not received our final response after 8 weeks you may refer your complaint to: Financial Ombudsman Service, Exchange Tower, London E14 9SR.
For further information on our Complaints Policy please click here.
General
These Terms and Conditions (as amended from time to time) constitute the entire agreement between you and MediaBlanket Ltd concerning your use of this Site and supersede any previous arrangement, agreement, undertaking or proposal, written or oral between you and MediaBlanket Ltd in relation to such matters. MediaBlanket Ltd reserves the right to update these Terms and Conditions from time to time. If we do so, the updated version will be effective as soon as it is uploaded on this site and your continued use of the site will constitute your acceptance of such updated Terms and Conditions. No other variation to these Terms and Conditions shall be effective unless in writing and signed by an authorised representative on behalf of MediaBlanket Ltd. You should check the Terms and Conditions periodically to ensure that you are aware of and are complying with the current version.
Unless otherwise expressly stated, nothing in the Terms and Conditions shall create any rights or any other benefits whether pursuant to the Contracts (Rights of Third Parties) Act 1999 or otherwise in favour of any person other than you, MediaBlanket Ltd and its group of companies.