Terms of Use

These terms of use ("Terms") govern your access to and use of the Nudge Finance website at nudgefinance.co.uk ("the Site"). By using the Site, you agree to these Terms. If you do not agree, please do not use the Site.

We may update these Terms from time to time. Continued use of the Site after changes are posted constitutes your acceptance of the updated Terms.

Nudge Finance is an independent loan comparison website. We compare short term loan products from FCA-regulated lenders and provide information to help you make informed borrowing decisions.

We are not a lender and we do not provide credit. We are not authorised to give financial advice. The information on this Site is for general information purposes only and should not be relied upon as financial, legal, or professional advice.

You may use the Site for lawful purposes only. You agree not to:

• Use the Site in any way that violates applicable laws or regulations
• Transmit any unsolicited or unauthorised advertising or promotional material
• Attempt to gain unauthorised access to any part of the Site or its related systems
• Use automated tools to scrape, copy, or extract data from the Site without our permission
• Interfere with or disrupt the integrity or performance of the Site

We reserve the right to suspend or terminate your access to the Site if you breach these Terms.

The loan products, rates, and information displayed on our Site are provided for comparison purposes only.

• Rates shown are representative and may not reflect the rate you are offered. Your actual rate will depend on your individual circumstances and the lender's assessment.
• We do not guarantee the accuracy or completeness of the information provided by lenders. Lender information may change without notice.
• Displaying a lender on our Site does not constitute a recommendation or endorsement of that lender or their products.
• We do not carry out affordability checks. You are responsible for assessing whether a loan is suitable and affordable for your circumstances.

All lenders shown on the Site are authorised and regulated by the Financial Conduct Authority (FCA). You can verify this on the FCA register at register.fca.org.uk.

Nudge Finance is funded by the lenders on our panel. When you apply and are approved for a loan through one of our links, the lender pays a referral fee. This does not affect the rate you are offered or the cost of your loan.

Our Nudge Scores are independent editorial assessments and are not influenced by commercial arrangements.

We disclose our commercial relationships in accordance with the FCA's rules on financial promotions.

Nothing on this Site constitutes financial advice. We are an independent comparison service, not a financial adviser. The information we provide is for general information and educational purposes only.

Before taking out any loan, you should carefully consider: - Whether you can afford the repayments - The total cost of the loan including interest and fees - Whether borrowing is right for your circumstances

If you are in financial difficulty or unsure whether borrowing is right for you, we recommend seeking free, impartial advice from MoneyHelper at moneyhelper.org.uk or by calling 0800 138 7777.

All content on the Site — including text, graphics, logos, and the Nudge Score methodology — is owned by or licensed to Nudge Finance and is protected by copyright and other intellectual property laws.

You may view and print content from the Site for your personal, non-commercial use. You must not reproduce, distribute, modify, or create derivative works from our content without our prior written consent.

Our Site contains links to third-party websites, including lender websites. These links are provided for your convenience. We have no control over the content of those sites and accept no responsibility for them or for any loss or damage that may arise from your use of them.

Clicking "Apply now" takes you directly to the lender's website. From that point, you are subject to the lender's own terms, conditions, and privacy policy. We are not a party to any agreement between you and a lender.

To the fullest extent permitted by law:

• We make no warranties, express or implied, about the accuracy, completeness, or fitness for purpose of the information on the Site
• We are not liable for any direct, indirect, incidental, or consequential loss or damage arising from your use of the Site or any information on it
• We are not liable for any loss arising from your reliance on loan comparison data, including rates, fees, or lender information that may be out of date or inaccurate

Nothing in these Terms excludes or limits our liability for death or personal injury caused by our negligence, fraud, or any other liability that cannot be excluded by law.

These Terms are governed by and construed in accordance with the laws of England and Wales. Any disputes arising in connection with these Terms shall be subject to the exclusive jurisdiction of the courts of England and Wales.

If you have any questions about these Terms, please contact us at hello@nudgefinance.co.uk.