If you are using our Website as a potential borrower, please note that you should always think very carefully before you commit to taking out a loan. Before proceeding with a loan, please make sure you read the pre-contract disclosure document and loan agreement provided to you and seek advice if you are unclear about any of the terms.
Information about us
is a website operated by GOCAP Ltd (we, us). We are a Private Limited Company, registered in the United Kingdom under company number 12589929 and have our registered office at Woodberry House, 2 Woodberry Grove, Finchley, London, United Kingdom, N12 0DR.
Other applicable terms
Accessing our Website
Eligibility and Fees – Borrowers
To subscribe to the lending services we provide through our Website, you must meet our eligibility criteria.
To be eligible as a borrower you must: be an individual residing in the UK; be at least 18 years old; and have a current account at a UK bank or building society. As a borrower, if you meet our eligibility criteria set out above, you will be able to set up an account with our Website and may apply for a loan through our Website. As part of our loan approval process we may: make identity, fraud, income and credit checks; obtain a credit rating for you from the credit reference agency we use; and carry out anti-money laundering checks on you. All loan applications are subject to our approval and we can decline a loan application for any reason. If we approve your application for a loan, you will need to enter into a loan agreement with us. We will not lend any money to you until you enter into such loan agreement. Our loan agreement will clearly set out the fees that will apply to your loan. If you have any questions about our fees, please contact us at firstname.lastname@example.org.
Your account and password
When you subscribe to our Website, as part of our security procedures be provided with, a user identification code and password. You must treat such information as confidential and must not disclose it to any third party.
If you know or suspect that anyone other than you knows your user identification code or password, you must promptly notify us at email@example.com. We may refuse to act on any instruction that we believe: was not submitted by you; was not clear; might cause us to breach a legal or other duty; or suggests that our Website is being used for an illegal purpose or a purpose * that is in breach of our regulatory obligations.
Our site changes regularly
We aim to update our Website regularly, and (provided such changes do not adversely affect you) may change the content at any time without notice by posting such changes on our Website. If the need arises, we may suspend access to our Website, or close it indefinitely without notice. Any of the material on our Website may be out of date at any given time, and we are under no obligation to update such material. We do not guarantee that our site, or any content on it, will be free from errors or omissions.
Termination of your account
If you open a borrower account with us, once you have repaid all of the loans that we have granted to you, you may terminate your account with us by sending us an email to firstname.lastname@example.org.
We may either terminate or suspend your account immediately and without notice if we are aware or reasonably suspect that you are engaged in, or may be the victim of, any fraudulent activity. We will then notify you of any such termination or suspension as soon as is reasonably practicable, to the extent we are permitted to do so by applicable law.
Intellectual property rights
We or our licensees are the owner or the licensee of all intellectual property rights in our Website, and in the material published on it. You must not use any part of the materials on our Website for commercial purposes without obtaining a licence to do so from us or our licensors.
Reliance on information posted
Commentary, information and other materials posted on our Website are not intended to amount to advice on which reliance should be placed. The material displayed on our Website is provided without any guarantees, conditions or warranties as to its accuracy. We therefore disclaim all liability and responsibility arising from any reliance placed on such materials by any visitor to our Website, or by anyone who may be informed of any of its contents.
Uploading content to our Website
Whenever you make use of a feature that allows you to upload content to our Website, or to make contact with other users of our Website, you must comply with the content standards which we upload to our Website from time to time. You warrant that any such contribution complies with those standards, and you will be liable to us and indemnify us for any breach of this warranty. If you are a consumer user, this means you will be responsible for any loss or damage we suffer as a result of your breach of warranty. Any content you upload to our Website will be considered non-confidential and non-proprietary, and we have the right to use, copy, distribute and disclose to third parties any such content for any purpose. We also have the right to disclose your identity to any third party who claims that any content posted or uploaded by you to our Website constitutes a violation of their intellectual property rights, or of their right to privacy.
We will not be responsible, or liable to any third party, for the content or accuracy of any content posted by you or any other user of our Website. We have the right to remove any posting you make on our Website if, in our opinion, your post does not comply with our content standards. The views expressed by other users on our Website do not represent our views or values.
Information about you and your visits to our Website
Viruses, hacking and other offences
In the event that you knowingly place viruses, trojans, worms, logic bombs or other material that is malicious or technologically harmful on to our Website, your right to use our Website 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 Website or to your downloading of any material posted on it, or on any website linked to it.
Linking to and from our Website
You may link to our Website, 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. We reserve the right to withdraw linking permission without notice. The website in which you are linking must comply in all respects with the content standards which we upload to our Website from time to time. Where our Website contains links to other websites and resources provided by third parties, these links are provided for your information only. We have no control over the contents of those websites or resources, and accept no responsibility for them or for any loss or damage that may arise from your use of them.
Jurisdiction and applicable law
If you have any concerns about material that appears on our Website, please contact us at email@example.com.