They exist to protect both you and us.
If you do not understand anything in these terms and conditions then please feel free to ask us by contacting compliance@seasonfinance.com
If you do not agree with any of the terms and conditions then please do not use our website.
By using our website you are fully agreeing to these terms and conditions.
CreditRaters.com ("the Website") is a financial comparison website and is a trading of Season Marketing Ltd.
By using the Website you are fully accepting the terms, conditions and disclaimers contained in this notice. If you do not accept these Terms and Conditions you must immediately stop using the Website. Your access to and use of this site ("the Website") is subject to agreement of these Terms and Conditions. You will not use the Website for any purpose that is unlawful or prohibited by these Terms and Conditions.
We reserve the right to:
CreditRaters.com provide access to a range of eligible financial products. We charge a refundable £1 fee for the use of our service. Season Marketing Ltd are a credit broker 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 partners 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 partners on Our panel. It is important to understand that We will only foward your application to a Partner that has looked at your application and accepted it in the belief that they will be able to provide a loan or relevant services to you. For doing this we shall receive the commission through an intermediary and a one-time charge of £1 from you, the customer. You are entitled to a refund if you are not successfully funded a loan. As part of our service, lenders, third parties, and other brokers may contact you periodically via telephone, email, SMS, and automated voice messaging regarding your application. We will typically return correspondence in the same medium in which it is received.
Any examples of amounts available to borrow, terms (repayment periods) or rates stated on the Partner Websites are purely given as an example relating to the product. These examples are stated to provide you with an understanding of the products available. As We do not provide the loan or financial service directly to You We are unable to control the examples contained on the Website. Please also be aware that as we are not a lender, we have no control over any of the decision making in relation to your application.
The Partner will carry out some checks on you before any decision or offer is made; this may include carrying out a full credit check on both your current and previous history. If a full credit check is made, it will leave a hard footprint and will impact your credit score.
You can request a full refund from us if you do not receive a loan from one of our selected Partners. Please email: refunds@creditraters.com and your charge will be returned within 7 working days.
The Website may include links to third party websites which are controlled and maintained by others. Any link to other websites available is not an endorsement of such websites and you acknowledge and agree that we are not responsible for the content or availability of any such sites.
In using the Website you agree that you will access the content solely for your personal, non-business related use. None of the content may be downloaded, copied, reproduced, transmitted, stored, sold or distributed without the prior written consent of the site owner. This excludes the downloading, copying and/or printing of pages of the Website for personal, non-business related home use only.
All intellectual property rights, copyright or trademarks used in the Website and its content including without limitation the design, text, graphics and all software and source codes connected with the Website are owned by Season Marketing Ltd.
We cannot guarantee that the Partner will approve your application for finance. This could be due to a number of reasons such as technology problem issues or because information provided during the application is incorrect. We will not be liable for any loss that you may incur by using this site unless we have not acted in accordance with these Terms and Conditions, been negligent or otheBWise required by UK law. In the event that You do not use this website in accordance with these terms and conditions or we are made aware that you are using this form fraudulently, We, reserve the right to claim from you 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.
Use of the Website is also governed by our privacy policy which is incorporated into these terms and conditions.
The Website uses cookies. Cookies are small text files that are created by a web server and stored on your computer when you visit a website. The Website uses cookies for the following purposes: to record analytics data.
If you wish to opt-out of our placing cookies on your computer, please adjust your internet browser's settings to restrict cookies as detailed in your internet browser's help menu. You may also wish to delete cookies which have already been placed. For instructions on how to do this, please consult your internet browser's help menu.
You agree to indemnify and hold us and our employees and agents innocent from and against all liabilities, legal costs, losses and other expenses in relation to any claims or actions brought against us arising out of any breach by you of these Terms and Conditions or other liabilities arising out of your use of this Website.
If any of these Terms and Conditions should be determined to be invalid, illegal or unenforceable for any reason by any court or competent jurisdiction then such Term or Condition shall be severed and the remaining Terms and Conditions shall survive and remain in full force and effect and continue to be binding and enforceable.
These Terms and Conditions shall be governed by and construed in accordance with the law of England and Wales and you hereby submit to the exclusive jurisdiction of the English courts.
We try our hardest to make every effort to ensure that the service you receive from this website is excellent; however, we understand that sometimes things may not fully work to your expectations. If you would like to make a formal complaint, please email us your concerns to complaints@seasonfinance.com or alternatively you can send your complaint in writing to Season Marketing, 5 Roundwood Lane, Enterprise House, Harpenden, Herts, AL5 3BW
We will aim to answer your complaint as soon as possible but sometimes it could take a little longer to carry out our investigations and in these instances, we will issue our final response within eight weeks from when you first complained to us. If for any reason we are unable to conclude our investigation within this time or you are unhappy with our final response. You will be able to refer your complaint to the Financial Ombudsman Service (FOS).
The FOS will only deal with your complaint if you have contacted us first to be given the opportunity to be able to put things right for you. So please contact us so we can see if we can help you.
If you want the FOS to consider your complaint, you must send your complaint to them within 6 months of the date of our final response. Their contact details are:
The Financial Ombudsman ServiceSeason Marketing Ltd registered in England and Wales (Company number 08901402). Season Marketing Ltd’s registered office; Season Marketing Ltd, 5 Roundwood Lane, Enterprise House, Harpenden, Herts, AL5 3BW. Season Marketing Ltd is authorized and regulated with full permission by the Financial Conduct Authority and entered on is the Consumer Credit Register under reference number: 727385. Licensed by the Information Commissioners Office, (registration number ZA064129).
Last updated: 14/8/2018