Terms & conditions

Welcome to our website heartpaydays.com (the "Site").

In using this website you are deemed to have read and agreed to the following terms and conditions:

The following terminology applies to these Terms and Conditions, Privacy Statement and Disclaimer Notice and any or all Agreements: "Client", "You" and "Your" refers to you, the person accessing this website and accepting the Company's terms and conditions. "The Company", "Ourselves", "We" and "Us", refers to our Company. "Party", "Parties", or "Us", refers to both the Client and ourselves, or either the Client or ourselves. All terms refer to the offer, acceptance and consideration of payment necessary to undertake the process of our assistance to the Client in the most appropriate manner, whether by formal meetings of a fixed duration, or any other means, for the express purpose of meeting the Client's needs in respect of provision of the Company's stated services, in accordance with and subject to, prevailing English Law. Any use of the above terminology or other words in the singular, plural, capitalisation and/or he/she or they, are taken as interchangeable and therefore as referring to same. If you don't accept our Terms & Conditions, please do not use our Site.

Please read these Terms & Conditions carefully before you use our Site as this is a legally binding agreement and contains important information on your legal rights and obligations.

Accessing and using our Site

You are only permitted to register on our Site and use the Services if you are resident in the UK and at least 18 years old. By using the Site, you confirm that you are a resident in the UK and at least 18 years old. Access to our Site is permitted on a temporary basis, and we reserve the right to withdraw or amend the Services and/or your access to the Site without prior notice. From time to time, we may restrict access to some parts of our Site or our entire Site. We will not be liable if for any reason our Site or any of the Servicers are unavailable at any time or for any period.

Registering on the Site

Before you are able to use the Services, you need to complete the registration process. As part of the registration process we may ask you to provide some basic personal information and a specific confirmation that you agree to the Terms & Conditions and the terms of the Privacy Policy. The Privacy Policy explains how we use any personal information you provide to us.

When you register you must provide your real name (not a pseudonym) and you must provide us with genuine valid contact details.

We have the right to disable any user account or password, whether chosen by you or allocated by us and/or restrict your access to the Site, at any time, if in our opinion you, or someone using your user account or password, has failed to comply with any of the provisions of these Terms &Conditions. We are under no obligation to reactivate your account once it has been disabled. If your account or access to the Site is terminated (whether by you or by us) these Terms & Conditions will remain in effect. Where a registration is made by two or more persons, any obligations of a person in, under or arising from these Terms and Conditions is undertaken by and binding upon such two or more persons jointly and severally. You are responsible for making all arrangements necessary for you to have access to our Site. You are also responsible for ensuring that all persons who access our Site through your internet connection are aware of these Terms & Conditions, and that they comply with them. You must inform us immediately of any changes to the information that you provided when registering by updating your personal details within the Site. We reserve the right to terminate any account for the Site where that account has been inactive for a period in excess of three months, at which point we will have the right to delete all information relating to that account (although we are not required to do so).Where you are applying for a loan, your application may be subject to further conditions, terms and rules of the Third Party Company (the "Lender") who will offer the loan. The Lender may refuse your application at its sole discretion.

Your responsibility to provide accurate information

Where we request information from you on the Site or otherwise, you must ensure that this information is accurate, complete and not misleading. We will rely on this information and so we reserve the right to terminate your registration and/or your access to this Site if we believe that the information you provide to us is inaccurate, untrue or misleading. In addition, if the information you provide to us is inaccurate, untrue or misleading you are likely to be in breach of any agreement you have entered into with a lender. Furthermore, misleading information may also result in the instigation of criminal procedures against the Client. You take full responsibility for any loss or damage incurred through the provision of misleading or incorrect information to us by you. You must tell us promptly about any changes to the information that you have provided to us. You can do this by contacting us at support@heartpaydays.com

Our Services

Heartpaydays is a free credit broker not a direct lender and therefore, we will not provide finance directly to you. Our service is such that upon completion of your application form, we will introduce you to lenders of finance providers who may be able to assist with your application for finance. By submitting an application you will be giving your consent for us to match your application with one of the Lenders or Providers on Our panel. It is important to understand that We will only forward your application to a Lender or Finance 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. For doing this we shall receive the commission through an intermediary.

Checks and references

We do not at any time carry out any credit checks on our Clients. However, Lenders may use external credit reference agencies and credit scoring services to ascertain your eligibility for a loan or finance product. Whether you are eligible for a loan or finance product is at the Lender's sole discretion. In accordance with the terms of our Privacy Policy, we may pass your personal information to prospective Lenders to enable them to consider/decide whether to make a loan to you. This may involve credit and identity checking, and may involve third parties as appropriate.

Trademarks and copyright

All copyright, trademarks, database rights and all other intellectual property rights in our Site and its content (including without limitation the pages screens, information and material) included in our Site and all software and source codes connected with the Site is owned by or licensed to us unless otherwise noted. You are granted a limited licence to access and use the Site and our content in the Site for your personal use as envisaged by these Terms & Conditions, provided that you keep all copyright and other proprietary notices intact. Our content of the Site may not be copied, distributed, modified, adapted, translated, reproduced in whole or in part without our prior written permission, except that you may print off a copy, and may download extracts, of any page(s) from our Site for your personal reference and you may draw the attention of others to material posted on our Site. You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text. You must not use the Site or any part of the materials on our Site for commercial purposes without obtaining a licence to do so from us or our licensors.

Our Site changes regularly. We aim to update our Site regularly, and may change the content at any time. If the need arises, we may suspend access to our Site, or close it indefinitely. Any of the material on our Site may be out of date at any given time, and we are under no obligation to update such material.

Our liability

We make no warranty that the Site will be uninterrupted, secure or error free. We will not be liable if for any reason the Site or the Services are unavailable at any time or for any period. From time to time we may suspend or restrict access to the Site in order to carry out repairs, maintenance or to introduce new facilities. The Services and information on this Site are generic. While we endeavour to use a reasonable level of diligence when providing the Site, we recommend that you do not rely on any materials or information available on our Site and we disclaim all liability arising from any reliance placed on such materials and/or information. We provide no assurances that the use by you of the Services or the Site will not infringe third party rights, such as copyright or rights to privacy. We will have no liability in this regard. Mention of third party products, services, companies and websites on our Site is for information purposes only and constitutes neither an endorsement nor a recommendation. To the extent permitted by law, we and third parties connected to us hereby expressly exclude: -All conditions, warranties and other terms which might otherwise be implied by statute, common law or the law of equity; and-Any liability for any loss or damage in connection with our Site or in connection with any services provided through it and any materials posted on it, including, without limitation liability for any indirect or consequential loss or damage; loss of income or revenue; loss of business; loss of profits or contracts; loss of anticipated savings; loss or corruption of data; loss of goodwill; or wasted management or office time; whether caused by tort (including negligence), breach of contract or otherwise, even if foreseeable. 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. We shall not be liable for, or be deemed to be in breach of these Terms & Conditions as a result of, any delay in performing or failure to perform any of our obligations under these Terms & Conditions where that delay or failure is caused by any circumstances beyond our reasonable control, including but not limited to changes in the law or regulations affecting our normal operations.


You agree to indemnify us and keep us indemnified from and against all costs, claims, expenses (including reasonable legal and professional fees and expenses), losses, damages and other liabilities suffered or incurred by us and arising out of or in connection with your use of the Site, or any breach of these Terms & Conditions by you, or the infringement by you, or any other user of your registration account for the Site, of any intellectual property or other right of any person or entity except to the extent that any such costs, expenses, losses, damages or other liabilities were caused or contributed to by any negligence or breach of these Terms & Conditions by us.

Information about you and your visits to our Site

We process information about you in accordance with our Privacy Policy. By using our Site, you consent to such processing and you warrant that all data provided by you is accurate.

Viruses, hacking and other offences

You must not misuse our Site by knowingly introducing viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not attempt to gain unauthorised access to our Site, the server on which our Site is hosted or any server, computer or database connected to our Site. You must not attack our Site via a denial-of-service attack or a distributed denial-of service attack. By breaching this provision, you would commit a criminal offence under the Computer Misuse Act 1990. We will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use our Site will cease immediately. We will not be liable for any loss or damage caused by a distributed denial-of-service attack, viruses or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of our Site or to your downloading of any material posted on it, or on any website linked to it.

Linking to this Site and framing of this Site

You may link to any page on this Site, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it, but you must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part where none exists. You must always make it clear that the content you are linking to came from this Site. You must not establish a link from any website that is not owned by you. Our Site must not be framed on any other site nor may you create a link to any part of our Site other than the home page. We reserve the right to withdraw linking permission without notice.

Third party content and links to external websites

We may provide links to third party web sites. The linked sites are not under our control, and we make no representations as to the quality, suitability, functionality or legality of the sites to which we may provide links. We accept no responsibility for these sites or for any loss or damage that may arise from your use of them. We are not responsible for the content of any linked website and cannot take responsibility for the consequences of your using the information or services on linked websites. We cannot guarantee that these links will work all of the time. Our Site does not endorse or favour any specific commercial product or business. Non-government sites linked to from this Site are present only because they may be useful additions to the information we provide. A link to a third-party website does not imply endorsement - you must use your own judgement to decide whether the information or service on that website is suitable for your needs. If a website is not linked to ours, this does not mean or imply that it is unsatisfactory. The linked websites are regularly reviewed in the light of customer usage and feedback. Websites that we link to may have terms and conditions that are different from ours. Do not assume that our Terms & Conditions apply to other websites.

Third party rights

Apart from provisions expressly referring to our associate companies, nothing in these Terms & Conditions shall confer any rights on any person under the Contracts (Rights of Third Parties) Act 1999. For the avoidance of doubt, the nothing in these Terms & Conditions shall confer any rights on any bank, counterparty, intermediary, Lender or other third party connected to a Client.


No delay or failure by us to insist upon or enforce performance of any provision of the Terms & Conditions or to exercise any right under the Terms & Conditions will be deemed to be a waiver or in any way prejudice our rights under these Terms & Conditions.


If any provision in these Terms & Conditions is declared void or unenforceable by any court or other body of competent jurisdiction, or is otherwise rendered so by any applicable law, such provision shall to the extent of such invalidity or unenforceability be deemed severable and all other provisions of these Terms & Conditions not affected by such invalidity or unenforceability shall remain in full force and effect.

Jurisdiction and applicable law

These Terms & Conditions and all claims arising out of or in connection with these Terms & Conditions, the Services, this Site and the use of it are governed by the laws of England and Wales. The English and Welsh courts shall have exclusive jurisdiction over any disputes (including non-contractual disputes or claims) under these Terms & Conditions or connected to or arising out of use of the Site and/or the Services. If you use information or Services provided on this Site from outside the UK, you are responsible for ensuring your use conforms to local laws as well as the laws of England and Wales although we retain the right to bring proceedings against you for breach of these terms and conditions in your country of residence or any other relevant country.

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