Terms of Use


Introduction

These Terms of Use from which access is granted by Oakbrook Finance Limited (‘Oakbrook’), to users of our websites www.likelyloans.com & www.approloans.com ('the Website'). These Terms of Use must be carefully read before accessing and using the Website. Use of the Website constitutes express acceptance of these Terms of Use.

Company Information

The Website is operated by Oakbrook. Oakbrook Finance Limited is a company registered in England and Wales with company no 7831517. Oakbrook's registered office is at The Poynt North, 45 Wollaton Street, Nottingham, NG1 5FW. Oakbrook is registered for VAT under number 139890175. Oakbrook Finance Limited is authorised and regulated by the Financial Conduct Authority, 25 N Colonnade, London E14 5HS.

Contact details for Oakbrook are as follows:-

Telephone:

0208 080 6450

E-mail:

info@oakbrookfinance.com

Postal address:

The Poynt North, 45 Wollaton Street, Nottingham, NG1 5FW

Company Business

The business of Oakbrook is the provision of unsecured restricted and unrestricted use loans to consumers.

Right Of Withdrawal

You have the right to withdraw from the credit agreement before the end of 14 days beginning with the day after the day on which you receive your welcome pack confirming we have executed the agreement.

Access To Our Websites

Oakbrook does not guarantee access to our Websites on any permanent or interrupted basis. Oakbrook reserves the right to withdraw or amend access to our Websites without notice, and will not be liable for any loss or damage suffered by any person, firm or corporation arising from the permanent or temporary unavailability of the Websites or of any amendment to the Websites or the service provided by it. Oakbrook reserves the right to restrict access to all or any part of our Websites either to users generally or to specific users or specific categories of user. Oakbrook reserves the right to restrict access to all or any part of our Websites either to users generally or to specific users or specific categories of user. Each legal entity whose employees have access to our Websites must ensure that all employees, officers and any workers in any other capacity are aware of these Terms of Use and comply with them at all times.

Intellectual Property

Oakbrook is the owner of all intellectual property rights for our websites and the material displayed on the Websites. The printing of copies of any material, or the downloading of any aspects from, our Websites are strictly prohibited except for the purposes of personal reference or research. A modification of any copies or downloads of any materials displayed on our Websites, or the use of any illustrations, photographs, video or audio sequences or any graphics displayed on our Websites separately from any accompanying text is strictly prohibited. Without limiting the generality of the above permissions, the use of any materials displayed on our Websites for commercial purposes without the express prior written consent of Oakbrook (which Oakbrook may or may not grant at its discretion and may grant subject to such conditions as Oakbrook might in its absolute discretion determine) is strictly prohibited.

Obsolete Material

Oakbrook does not guarantee that any of the material displayed on our Websites from time to time is current or up to date, and will not be liable to any person, firm or corporation using our Websites for any loss or damage suffered or incurred as the result of the use of or reliance upon any material displayed on our Websites which is in whole or in part obsolete or not fully up to date. Oakbrook is under no obligation to update any material currently displayed on our Websites.

Limitation Of Liability

Oakbrook gives no guarantee, representation or warranty of any kind as to the accuracy or completeness of any other material displayed on our Websites from time to time. Oakbrook furthermore excludes, to the fullest extent permissible by law, (i) all conditions, warranties or other terms which might otherwise be implied by statute, common law or equity (ii) any liability for loss of profit, loss of revenue, loss of business or contract, loss of anticipated savings, loss of goodwill or any indirect or consequential loss of any kind suffered or incurred by any person as a result of the use of our Websites or any other material displayed on it from time to time, regardless of the cause of action and of whether such loss or damage was foreseeable or Oakbrook had been advised of the possibility of such loss or damage arising. Nothing in these Terms of Use shall however exclude or limit the liability of Oakbrook for death or personal injury caused by its own negligence, or for fraud or fraudulent misrepresentation.

User Information

Oakbrook will process information regarding users of our Websites at all times in accordance with its privacy policy. Use of our Websites constitutes express consent to such processing, together with a warranty that all data provided is accurate.

Monitoring

All Calls, both inbound and outbound, are recorded for training and monitoring purposes.

Viruses, Hacking And Other Offences

The misuse of our Websites by the knowing or reckless introduction of viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful is strictly prohibited. The attempting to gain any unauthorised access to our Websites, the server on which our Websites are stored or any further computer or data entry to the Website is strictly prohibited.

Any breach of the above provisions constitutes a criminal offence under the Computer Misuse Act 1990. If Oakbrook becomes aware of any such breach, it will report the same to the relevant law enforcement authorities and will co-operate with those authorities by disclosing the identity of the person, firm or corporation responsible for the breach.

Oakbrook will not be liable for any loss or damage caused by any virus or other technologically harmful material that might effect the computer equipment of any user, any computer programmes data or other proprietary material arising from the use of the Website or any material displayed upon it.

Links

Links to our Websites home pages are permissible, but not so as to create any impression of any association, approval or endorsement by Oakbrook, or any association or connection between Oakbrook and the user. The creation of a link to any part of our Websites other than the homepage is strictly prohibited.

Oakbrook reserves the right at anytime to withdraw permission to link to our Websites, whether generally or to specified users or categories of user.

Any links contained on our Websites to other websites through goods or services provided by third parties are provided for information only. Oakbrook excludes all liability for any loss or damage that any person, firm or corporation might incur as a result of the use of any such link or of any dealings with any third party entered into by the user by means of such link, or arising out of the acquisition or use by the user of any such goods or services.

Variation

Oakbrook may vary the Terms of Use at any time by amending the Terms of Use as displayed on our Websites, but without any obligation to give prior notice to any user of our Websites.

Law And Jurisdiction

These Terms of Use will be construed, interpreted and applied in accordance with English Law, and the Courts of England will have non-exclusive jurisdiction in relation to any claim arising from the accessing or use of the Website by any person, firm or corporation.

If you are not satisfied with any Oakbrook Finance Ltd product or service we have a complaint handling procedure that you can use to resolve such matters. Information on this procedure will be sent to you in the event of a complaint or upon request. If you are still not satisfied after following our complaint procedure, you can ask the Financial Ombudsman Service to review the complaint. You can write to the Financial Ombudsman Service at Exchange Tower, London, E14 9SR (telephone: 08000 234 567). The Financial Ombudsman Service is an organisation set up by law to give consumers a free and independent service for resolving disputes with financial firms. More details can be found at their website http://www.financial-ombudsman.org.uk/consumer/complaints.htm.