Terms & Conditions – Loan Panel

Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk.

Terms & Conditions?

By using our website you are fully agreeing to these terms and conditions.

These Terms and Conditions are important, please read them carefully before agreeing to them. They exist to protect both you and us. We have tried to make these Terms and Conditions as simple and easy to understand as possible but if you do not understand anything in these Terms and Conditions then please feel free to get in touch via our contact us page.

If you do not agree with any of the terms and conditions, then please do not continue to use our website. By using our website, you are fully agreeing to these Terms and Conditions. We may change these Terms and Conditions from time to time. We will give you notice of any changes by posting those changes on our website. We will not vary the Term and Conditions which you have previously agreed to whilst using this website. However, please note that any amended Terms and Conditions will apply to your use of this website from the date they are posted and if you do not agree with the amended Terms and Conditions, you are entitled to cease using the website at that time.

1. About Us

Loan Panel is a trading style of Ahead Digital Limited, a company registered in England and Wales with the registration number of 12323774.

Ahead Digital Limited registered address is 86-90 Paul Street, London, England, EC2A 4NE.

Loan Panel are hereafter referred to as ‘We’

2. Licensing & Regulation

We are authorised and regulated by the Financial Conduct Authority under registration number FRN 734406

We are also licensed by the Information Commissioner Office under the Data Protection Act 1998, under number ZA794594

3. What We Are

Loan Panel is first and foremost, a free to use comparison site. We offer a free online service for comparing loans, and other similar products, which may change from time-to-time.

By providing us with information about yourself and your requirements, we will use our technology to match you with a product and, where we are able to, we will introduce you to a provider, or series of providers who we believe meet your requirements. We will also display all of your results in a comparison table for you to make your own decision.

Where you propose to enter into a separate agreement or policy with a product provider or service provider, you should refer to their terms and conditions, reading these carefully to ensure that you are comfortable with them.

Any product you may choose to select is your choice entirely.

4. What We Are Not

We are NOT a lender and therefore do NOT lend money.

Any ‘example repayments’ provided on our website are based on information given to us by the different providers or have been acquired by our research team based on industry research. Therefore, we do not guarantee that the examples used on our website are the actual rates which you will receive as the actual rate of any loan will be down to your chosen lender.

We do not promise or otherwise guarantee to find you the cheapest loan for your circumstances

We may receive a commission from a product provider that you select. By agreeing to these terms and conditions you agree that we can keep any commission we receive from the product provider. (For more information on our revenue please see our Transparency Promise)

5. About You

All the information you provide when using our service must be accurate and correct to the best of your knowledge.

You are not guaranteed access to credit by the use of our service.

This website is intended for use by UK residents and nothing within it or these Terms and Conditions constitutes an offer or promotion of services or products to persons living outside of the UK. Should you choose to continue and use our services outside of the UK, you do so at your own risk.

6. The Use of Your Details

If you agree, we will contact you from time to time to offer you products and services that we think you might be interested in.

We will use Telephone, Email, SMS and postal mail to present these offers to you.

If you do not wish for us to use your data in this way, then you can use the ‘Opt Out’ option when signing up.

If you would like further information, please refer to our Privacy Policy.

7. Rights to Amend

We reserve the right to amend or withdraw our service at any time without prior notice.

We may update and change the content on the website at any time.

We may amend or update our terms and conditions at any time.

8. Intellectual Property Rights

The copyright and material on this website is owned by Loan Panel and is protected by the copyright laws of the United Kingdom.

9. Complaints

We set ourselves very high standards and do our utmost to maintain these high standards in everything that we do. In the rare situation where you may feel that we have got it wrong, then we want to hear from you. Please refer to our Complaints Policy which gives you all of the information you need to get in contact with us.

Cookie Description	Purpose
Session ID	Keeps you logged in to your account and enables us to maintain the state of your current browsing session as you move across pages on our website, including during the application process.
User Experience	Remembers your preferences, measures your activity and optimises your user experience.

Cookie Description	Purpose
Web site Analytics	These cookies are used to collect information about how visitors use the Loan Panel web site including the number of visitors, where they have come from and the specific pages viewed during the current session. We use this information to compile reports, which help us to understand user behaviour on our website and how we might be able to improve our service. We collect information about whether you reached our website via one of our affiliates so that we can tailor your application experience. This is also achieved using a unique URL identifier in the description URL when you initially visit our website. Our website uses Google Analytics Premium, a web analytics service provided by Google Ireland Limited (“Google”). Google uses cookies, to help Google analyse how users use our website. The information generated by the cookies about your use of our website and your current IP address will be transmitted by your browser to and will be stored by Google on servers in the United States and other countries. Acting on our behalf Google will use this information for the purpose of evaluating your use of our website, compiling reports on our website activity and providing us with other services relating to our website activity and internet usage. The IP address collected through Google will not be associated with any other data held by Google. As well as refusing or removing cookies through your web browser you may also stop the transmission of information generated by the cookies about your use of our website and of your IP address to Google, by downloading and installing the Google Analytics Opt-out Browser Add-on available here: http://tools.google.com/dlpage/gaoptout. Our third party partner suppliers who run widgets on our website use cookies to collect statistics and data about the performance of the widgets.
Advertisement tracking	These cookies are used to collect non-personal information about how visitors interact with advertising served on other websites before they arrive at Loan Panel and which advertisements our customers prefer. This information helps us deliver advertisements that are relevant to your interests, control the number of times you see a given advertisements, and measure the effectiveness of advertising campaigns. If you don’t wish to have this information used for the purpose of serving you targeted advertisements, you may opt-out by clicking here. You can also opt-out by visiting www.aboutads.info/choices and www.youronlinechoices.eu. Please note this does not opt you out of being served advertising, You will continue to receive generic advertisements.
Web site testing	These allow us to show different versions of the same page or feature on our website and then track to see which version performs best. We use a cookie to manage which version to display when you visit Loan Panel. The specific variation that you will see is randomly chosen and no personal information is stored or tracked through this cookie.