Important information about your rights, our responsibilities, and how we handle your data.
Last updated: March 10, 2025
Welcome to Integra Finance Loans ("Integra," "we," "us," or "our"). These Terms of Service ("Terms") govern your access to and use of the Integra Finance Loans website, mobile application, and services (collectively, the "Services").
By accessing or using our Services, you agree to be bound by these Terms. If you do not agree to these Terms, please do not access or use our Services.
To use our Services, you must be at least 18 years old and capable of forming a binding contract with us. By using our Services, you represent and warrant that you meet these requirements.
To access certain features of our Services, you may need to register for an account. You agree to provide accurate, current, and complete information during the registration process and to update such information to keep it accurate, current, and complete.
You are responsible for safeguarding your account credentials and for all activities that occur under your account. You agree to notify us immediately of any unauthorized use of your account.
When you apply for a loan through our Services, you agree to provide accurate, current, and complete information. We may use credit reporting agencies and other third-party services to verify your information.
All loans are subject to our approval based on our lending criteria. We reserve the right to decline any loan application at our sole discretion.
If your loan application is approved, you will be presented with loan terms, including but not limited to the principal amount, interest rate, repayment period, and fees. You must review and agree to these terms before the loan is finalized.
If you choose to use our investment services, you acknowledge that investing involves risk, including the potential loss of principal. Past performance is not a guarantee of future results.
We do not provide investment advice. Any information provided through our Services is for informational purposes only and should not be construed as investment advice.
You agree to pay all fees and charges associated with your use of our Services, including but not limited to loan interest, origination fees, late payment fees, and investment service fees. All fees are as specified in your loan agreement or investment service agreement.
You authorize us to charge any payment method you have provided to us for any fees and charges incurred.
Our Services and their contents, features, and functionality are owned by Integra Finance Loans and are protected by copyright, trademark, and other intellectual property laws.
You may not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the material on our Services, except as generally and ordinarily permitted through the Services according to these Terms.
To the fullest extent permitted by applicable law, Integra Finance Loans shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to, damages for loss of profits, goodwill, use, data, or other intangible losses, resulting from your access to or use of or inability to access or use the Services.
We may revise these Terms from time to time. The most current version will always be posted on our website. By continuing to access or use our Services after revisions become effective, you agree to be bound by the revised Terms.
These Terms shall be governed by and construed in accordance with the laws of the United Kingdom, without regard to its conflict of law provisions.
If you have any questions about these Terms, please contact us at legal@integraloans.co.uk
Last updated: March 10, 2025
At Integra Finance Loans ("Integra," "we," "us," or "our"), we are committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our website, mobile application, and services (collectively, the "Services").
Please read this Privacy Policy carefully. By accessing or using our Services, you acknowledge that you have read and understood this Privacy Policy.
We may collect personal information that you provide directly to us, including but not limited to:
When you access or use our Services, we may automatically collect information about you, including:
We may use the information we collect for various purposes, including to:
We may share your information in the following circumstances:
We take reasonable measures to help protect your personal information from loss, theft, misuse, unauthorized access, disclosure, alteration, and destruction. However, no method of transmission over the Internet or electronic storage is 100% secure, and we cannot guarantee absolute security.
Depending on your location, you may have certain rights regarding your personal information, including:
To exercise any of these rights, please contact us using the information provided at the end of this Privacy Policy.
We may update this Privacy Policy from time to time. The most current version will always be posted on our website. We encourage you to review this Privacy Policy periodically for any changes.
If you have any questions about this Privacy Policy, please contact us at privacy@integraloans.co.uk
Last updated: March 10, 2025
At Integra Finance Loans, we are committed to responsible lending practices. We believe in providing financial products and services that meet our customers' needs while ensuring they can comfortably afford the repayments.
This Responsible Lending Policy outlines our approach to lending and how we ensure our practices align with regulatory requirements and ethical standards.
Our approach to responsible lending is guided by the following principles:
Before approving any loan, we conduct a thorough affordability assessment to ensure the customer can comfortably repay the loan. This assessment includes:
We recognize that some customers may be vulnerable due to various factors, including health issues, financial circumstances, or life events. We are committed to identifying and providing appropriate support to vulnerable customers, including:
We understand that customers may experience financial difficulty at times. If a customer is having trouble meeting their repayment obligations, we encourage them to contact us as soon as possible. We may be able to offer assistance, such as:
We ensure that our staff are appropriately trained in responsible lending practices. This includes training on:
We regularly monitor and review our lending practices to ensure they remain aligned with regulatory requirements and industry best practices. This includes:
If you have any questions about our Responsible Lending Policy or if you are experiencing financial difficulty, please contact us at support@integraloans.co.uk
Last updated: March 10, 2025
At Integra Finance Loans, we are committed to providing excellent service to all our customers. However, we recognize that sometimes things can go wrong. If you are unhappy with any aspect of our service, we want to hear from you so we can address your concerns and improve our service for all customers.
This Complaints Procedure outlines how you can make a complaint and what you can expect from us when you do.
You can make a complaint in several ways:
To help us investigate and resolve your complaint as quickly as possible, please provide:
We will acknowledge receipt of your complaint within 3 business days.
We will investigate your complaint thoroughly and impartially. This may involve reviewing your account records, listening to call recordings, and speaking with relevant staff members.
We aim to resolve all complaints within 8 weeks. If we can resolve your complaint sooner, we will do so. We will keep you informed of our progress throughout the process.
Once we have completed our investigation, we will provide you with a final response. This will explain our findings, any action we have taken, and our decision on your complaint.
If you are not satisfied with our final response, or if 8 weeks have passed since you made your complaint and you have not received a final response, you may be eligible to refer your complaint to the Financial Ombudsman Service (FOS).
The Financial Ombudsman Service is a free, independent service that investigates complaints about financial services providers. You can contact them at:
Financial Ombudsman Service
Exchange Tower
London E14 9SR
Phone: 0800 023 4567
Email: complaint.info@financial-ombudsman.org.uk
Website: www.financial-ombudsman.org.uk
You must refer your complaint to the Financial Ombudsman Service within 6 months of receiving our final response.
We record all complaints and use this information to improve our products and services. We regularly review our complaints handling procedures to ensure they are working effectively.
If you have any questions about our Complaints Procedure, please contact us at complaints@integraloans.co.uk
