Terms and Conditions

The terms and conditions regulate the use of our website.  We are an online loan broker that operates in Ireland. By using or browsing our website, you agree to the terms. By continuing to use this website, you agree to the terms.

1) About Us

Loanrick is an online loan broker that connects fund seekers with third-party lenders. We are not a loan provider but a bridge between borrowers and the lender. Hence, we do not provide loans directly. Our role is limited to introducing borrowers to lenders based on the information provided by the loan applicant.

2) Scope of Our Services

Our website allows the users to –

  • Submit loan enquiries
  • Compare loan options from varied third-party lenders
  • Receive loan offers from lenders as per eligibility
  • Get general information about loan products

We do not give a guarantee. That decision is solely within the lender’s control and is subject to its policies.

3) No financial advice

The information available on this website is intended for general purposes only. Its purpose is not to provide legal, financial, or professional advice. Applicants should consider taking independent advice before applying for a loan product or signing an agreement.

4) Eligibility requirements

To use our services, you need to –

  • Be at least 18 years of age
  • Be a resident of Ireland
  • Provide accurate financial and personal information
  • Be legally capable of signing a loan agreement

5) Application process

When you submit your information for a loan query–

  • You give consent to share your details with the third-party lenders
  • Lenders may perform affordability checks
  • The lender determines approval decisions, loan terms, and interest rates

There is no compulsion for you to accept the loan offer after submitting an enquiry.

6) Credit checks and data sharing

By using this website and our services, you grant permission to –

  • Share your information with third-party lenders and credit reference agencies.
  • To process your data as per our privacy policy
  • Conduct credit and affordability checks by lenders.

Provide accurate information; incorrect details only lead lenders to reject a loan application.

7) Fees and Charges

Our loan brokerage services are completely commission-free for borrowers. We may receive a commission from lenders.

Any fees and interest rates applied to a loan will be disclosed by the lender upfront before you sign a loan agreement. Loanrick is not responsible for the fees or loan terms applied by the lender to a loan.

8) Third-party lenders and websites

Our website may contain website links to lenders. Loanrick is not responsible for

  • The information and its accuracy, or access to external websites.
  • Any dispute arising with a lender or from a loan agreement
  • Lender decisions on loan approval, loan terms, and customer support

Any contract entered into is completely between the lender and the borrower.

9) User responsibilities

By using our website, you agree to –

  • Provide accurate and updated information.
  • Not to misuse or disrupt the services or websites
  • Use the website in a lawful manner for borrowing purposes only
  • Review all loan documents carefully before signing

You are responsible for proving your repayment ability before accepting a loan offer.

10) Limitation of Liability

As permitted by Irish law:

  • We are not responsible for loan rejections or unfavourable terms
  • We do not guarantee uninterrupted or error-free website access
  • We are not responsible for financial loss resulting from lender decisions

11) Complaints and dispute resolution

If you are not satisfied with our services, send us your complaint using the contact information on our website. We resolve all complaints in the least possible time after a fair resolution.

If the complaint is not resolved, you have the right to forward your concern to an external legal dispute body. This does not affect your rights to use the website or take services.

12) Intellectual property

All content on this website, including logos, text, design, and graphics, is the property of Loanrick. It is protected by intellectual property laws.

13) Website availability

Consumers can access our website at any time of the day. However, we do not guarantee unobstructed service. We may suspend the website temporarily for technical reasons or maintenance without any prior notice.

14) Termination of use

We reserve the right to terminate access to our services or website if:

  • The terms and conditions breached
  • Misuse of services occurs
  • Fraudulent activity is suspected

Termination does not affect your rights that took effect prior to termination.

15) Amendment to these terms

We may update or amend the terms and conditions at any time. Changes will be effective immediately after publishing on the website. If you continue to use the website, you show acceptance of the revised terms.

16) Governing law and jurisdiction

These Terms are mentioned as per the laws of Ireland. Any disputes arising from these Terms are subject to the jurisdiction of the Irish courts.

17) Contact information

If you have any questions about our terms and conditions, please contact us at:

  • Loanrick
  • Email: (support@companyname.com)
  • Address: (Registered Business Address)