Terms & Conditions
This summary is provided for convenience only and does not form part of the Terms and Conditions.
Use of this website is subject to the Terms set out below. If you do not agree, you must stop using the site immediately.
The site is for personal use only and must not be used for commercial purposes.
The service is available only to customers located in the United Kingdom.
Users must be aged 18 or over.
We act as a credit broker, not a lender.
We do not provide advice on the suitability of any financial product.
Our service is free to use. We receive commission from lenders or partners where an application is successful.
You are responsible for ensuring that all information provided is accurate and complete.
Any product you obtain must be suitable for your own financial needs.
If you proceed with a third-party provider, their terms and privacy policy will apply.
These Terms may be updated at any time. You should review them regularly.
2. Who We Are
Instantperfectloans.com is a registered trading name of Prophoenix Solutions Tech Ltd, acting as an Appointed Representative.
Prophoenix Solutions Tech Ltd is authorised and regulated by the Financial Conduct Authority (FCA) and is listed on the Financial Services Register under reference number 946605.
Registered Office:
27 Old Gloucester Street
London, England
WC1N 3AX
The company is also registered with the Information Commissioner’s Office (ICO) under registration number ZA786198.
References to “we”, “us”, “our”, or “the Site” refer to Instantperfectloans.com and Prophoenix Solutions Tech Ltd.
3. Definitions
Service: Any service displayed or offered on the Site
Site: This website and any associated mobile applications or platforms operated by us
You / Your: Any person accessing or using the Site
4. Acceptance of These Terms
By accessing or using the Site, you confirm that you have read, understood, and agree to be bound by these Terms and Conditions and our Privacy Policy.
If you do not agree, you must stop using the Site immediately.
5. Changes to These Terms
We may update these Terms at any time by amending this page. Any changes will take effect immediately upon publication.
6. How to Contact Us
By Post:
27 Old Gloucester Street
London, England
WC1N 3AX
By Email:
[email protected]
7. Our Service
We act solely as a credit broker. We provide an online platform that allows you to apply for financial products offered by our panel of lenders, credit brokers, and alternative solution providers.
We do not make lending decisions and have no control over whether an application is accepted. Decisions are based on your individual financial circumstances and the lender’s criteria.
You may access our service via:
Our website
Social media advertising (including Facebook, Instagram, Snapchat, TikTok, and Google)
Partner websites that redirect applications to our panel
To use our service, you must complete an online application and provide accurate personal and financial information.
8. Credit Searches
Our panel of lenders may carry out a soft credit search to:
Verify your identity
Assess eligibility
Prevent fraud
This search will be recorded on your credit file but will not affect your credit score.
If you do not wish a soft search to be carried out, you must not proceed with the application.
9. Application Outcomes
If your application is successful, we will display available lenders based on the total amount payable, from lowest to highest.
The amount offered by a lender may differ from the amount you originally requested. You must carefully consider any offer before proceeding.
If no lender is available, your application may be redirected to alternative solution providers such as credit report or credit-building services. You should review their offering carefully before proceeding.
10. Communication and Marketing
We, our panel of lenders, credit brokers, and alternative solution providers may contact you by phone, SMS, or email regarding your application or related services.
Where permitted under the soft opt-in rules, we may contact you about similar products or services you may find useful. You can opt out at any time.
To unsubscribe, use the link provided in communications or email:
[email protected]
11. Commission
If your application is accepted by a lender or partner, we may receive a commission.
You may request further details regarding commission arrangements by emailing:
[email protected]
12. Intellectual Property
All intellectual property rights in the content, data, design, and materials on this Site belong to Prophoenix Solutions Tech Ltd or its licensors.
You may print or download extracts for personal use only. You must not modify, distribute, or use any content for commercial purposes without prior written consent.
13. Links to Third-Party Websites
Links to external websites are provided for information only. We are not responsible for the content, terms, or privacy practices of third-party sites.
You should review their terms and policies before using their services.
14. Security
We use industry-standard security measures to protect your information. Data submitted through the Site is encrypted to prevent unauthorised access.
15. Jurisdiction
These Terms are governed by the laws of England and Wales. Any disputes will be subject to the exclusive jurisdiction of the English courts.
16. Liability
We do not guarantee that any application will be approved.
To the fullest extent permitted by law, we exclude all warranties and representations relating to the Site and its content.
We will not be liable for losses unless caused by our negligence or as required by law. If fraudulent or improper use is detected, we reserve the right to recover reasonable costs incurred.
17. Data Protection and Your Rights
You have rights under the UK GDPR, including:
Right to be informed
Right of access
Right to rectification
Right to erasure
Right to restrict processing
Right to data portability
Right to object
Rights related to automated decision-making
To exercise any of these rights, contact:
[email protected]
18. Complaints
If you wish to make a complaint, please contact us at:
[email protected]
If you are not satisfied with our response, you may contact the Financial Ombudsman Service within six months:
Financial Ombudsman Service
Exchange Tower
London
E14 9SR
Tel: 0800 023 4567
Website: financial-ombudsman.org.uk
You may also contact the Information Commissioner’s Office (ICO) for data protection concerns.