What's in these terms?
These terms tell you the rules for using our website
Who we are and how to contact us
www.creditdigital.co.uk is a site operated
by MTL Financial Limited ("We"). We are registered in England and Wales under company
number 10923992 and have our registered office at 71 -75 Shelton Street, London CW2H 9JQ.
Our main trading address is 40 Islington High Street, London N1 8EQ.
We are regulated [ and authorised] by the Financial Conduct Authority (FRN: 803345)
We are a credit broker, not a lender and offer credit broking services (Services) to our users and their customers.
We have access to multiple Finance Providers with lending criteria matching your
requirement, we may pass your information and application to the Finance Provider that we
believe most closely satisfies your requirements.
To contact us, please email
or telephone our customer service line on
020 8089 5010.
By using our site you accept these terms
comply with them. If you do not wish to be bound by the terms set out below, you should not
use (or continue to use) our site. Your acceptance of these terms and conditions will be
demonstrated by your confirming acceptance by selecting the “Log in” or the “Accept and
confirm” button as part of your on-line obligation request. Your application to use our site
will not be processed if you do not confirm acceptance of these terms.
There are other terms that may apply to you
of our site:
your personal information.
Our Acceptable Use Policy, which sets out the
permitted uses and prohibited uses of our site. When using our site, you must comply with
this Acceptable Use Policy.
about the cookies on our site.
By using our site and uploading content you authorise us to provide the information we
hold about you, including information that identifies you and any relevant person
associated with the business to approved lenders on our finance panel.
We may make changes to these terms
We amend these terms from time to time. Every time you wish to use our site, please check
these terms to ensure you understand the terms that apply at that time.
We may make changes to our site
We may update and change our site from time to time to reflect changes to our services, our
customers' needs and our business priorities.
Our site is only for users in the UK
Our site is directed to people residing in or businesses registered in the UK - England,
Wales, Scotland and Northern Ireland. We do not represent that content available on or
through our site is appropriate for use or available in other locations.
Our Service is intended for your own business-related purposes only.
You must keep your account details safe
If you choose, or you are provided with, a user identification code, password or any other
piece of information as part of our security procedures, you must treat such information
as confidential. You must not disclose it to any third party.
We have the right to disable any user identification code or password, whether chosen by
you or allocated by us, at any time, if in our reasonable opinion you have failed to
If you know or suspect that anyone other than you knows your user identification code or
password, you must promptly notify us at
Limitations of what we offer
We cannot guarantee that our Services will be successful for you, neither are we obliged
to provide our Services to you.
Our Services are based on information from third parties over which we have no control,
and may contain inaccuracies or errors.
Where you have not made us aware of your specific needs, it is your responsibility to
ensure that any recommendations made through the Services meets your requirements.
Unless otherwise notified to you, the Services are free of charge to you, but we may
receive commission from finance providers for introductions we make to them.
You use and download information from the Services at your own risk and should use
software to detect and disinfect viruses in any information you use and download.
The availability of third-party sites, links, services or information via the Services
does not constitute any recommendation, advice, endorsement or publication by us and we
are not responsible for any such sites, links, services or information provided by any
We reserve the right to change any aspect of the Services at any time without notice or to
suspend access to or provisions of the Services, or cease to provide them and to provide
access to our site.
Do not rely on information on this site
The content on our site is provided for general information only. It is not intended to
amount to advice on which you should rely as the basis for making or not making any
decision, and you should obtain your own independent financial, accounting, tax and/or legal
advice concerning your activities in connection with the Services and any finance
application and/or agreement.
Your usage and responsibilities
By using the Services, you agree to notify us promptly of any changes in the details you
have provided to us. You shall ensure that all information you provide to us is complete,
true, up-to-date and accurate in all respects.
You agree that we and approved lenders/finance providers on our panel may carry out
identity verification and credit checks on you and your owners or directors, as
applicable. You and your owners or directors acknowledge that credit reference agencies
link together the records of you and anyone that you have advised is a financial associate
(e.g. someone with whom you have a joint credit account) including previous and subsequent
names of parties to the account. Links between financial associates will remain on your,
and their credit reference files until such time as you or your associate successfully
files for a disassociation with the credit reference agencies. We and any approved
lender/finance provider may take into account information about your and your owners’ or
directors’ financial associates in your or their credit reference.
You agree not to use the Services in a way that harms our reputation, and you agree to
comply with all applicable laws and regulations, including the General Data Protection
You agree to indemnify and hold us, our staff, officers, group companies and partners
harmless from loss, damage or claim, made by third parties and/or incurred as a result
your breach of these terms.
Our responsibility for loss or damage suffered by you
Whether you are a consumer or a business user:
We do not exclude or limit in any way our liability to you where it would be unlawful to
do so. This includes liability for death or personal injury caused by our negligence or
the negligence of our employees, agents or subcontractors and for fraud or fraudulent
If you are a business user:
We exclude all implied conditions, warranties, representations or other terms that may
apply to our site or any content on it or the provision of the Services.
We will not be liable to you for any loss or damage, whether in contract, tort
(including negligence), breach of statutory duty, or otherwise, even if foreseeable,
arising under or in connection with:
- use of, or inability to use, our site; or
- use of or reliance on any content displayed on our site; or
- provision of or use of the Services.
In particular, we will not be liable for:
- loss of profits, sales, business, or revenue;
- business interruption;
- loss of anticipated savings;
- loss of business opportunity, goodwill or reputation; or
- any indirect or consequential loss or damage.
Your personal information and how we may use your personal information
As part of providing our Services to you our systems will gather data provided by you, in
some instances from your systems such as accounting software, as well as from third-party
As part of providing our Services to you we may share data provided by you with our panel
of approved lenders/finance providers, and they may share with us information regarding
your case such as its current status and outcome
By using our Services to provide data to us, you agree to grant us an irrevocable,
royalty-free, sub-licensable, transferable, perpetual license to use, copy, reformat,
translate, excerpt (in whole or in part) and distribute these data for any purpose on or
in connection with the Services. We may share this information with other third parties
who assist us in providing the Services. If you choose to remove your data in accordance
We will only use your personal information as set out in our
Uploading content to our site
Whenever you make use of a feature that allows you to upload information to our site in
connection with our Services, you warrant that such information is complete and accurate,
and you will be liable to us and indemnify us for any breach of that warranty. This means
you will be responsible for any loss or damage we suffer as a result of your breach of
You must not misuse our site by knowingly introducing viruses, trojans, worms, logic bombs
or other material that is malicious or technologically harmful. You must not attempt to
gain unauthorised access to our site, the server on which our site is stored 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 and 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.
Which country's laws apply to any disputes?
disputes or claims) are governed by English law. We both agree to the exclusive jurisdiction
of the courts of England and Wales.