Terms & Conditions
1. Summary
Key points include: site use is subject to all terms; personal use only, no commercial purposes; UK customers only; 18+ only; The Quick Fast Solutions is a credit broker, not a lender; no suitability advice provided; free service with commission from providers; user responsibility for accurate information; sole responsibility to ensure product matches financial needs; providers' terms apply separately; terms may be amended without notice.
2. Who are we?
thequickfastsolutions.co.uk is a trading name of Prophoenix Solutions Tech Ltd, an Appointed Representative authorized and regulated by the Financial Conduct Authority (FCA reference 946605). Registered office: 27 Old Gloucester Street, London, WC1N 3AX. Licensed by the Information Commissioner's Office (Registration ZA786198).
3. Definitions
Service means any service displayed on the site. Site means mobile applications and similar devices/channels operated by the company. You/Your means any person accessing and using the site.
4. Your Acceptance of these Terms and Conditions
Access and use are subject to these Terms and the Privacy Policy. By accessing the site, you agree to be bound by these terms. Non-agreement requires immediate cessation of use.
5. Changes to these Terms and Conditions
The company reserves the right to amend terms by updating this page. Amended terms become effective upon posting.
6. How to contact us
By Post: 27 Old Gloucester Street, London, England, WC1N 3AX
By Email: info@thequickfastsolutions.co.uk
7. Our Service Provided to you
As a credit broker, the company provides an online service for loan applications with a panel of lenders, credit brokers, and alternative solution providers. Access methods include social media applications and partner websites.
Applicants must complete online applications providing personal and financial information. The panel conducts soft credit searches for identity validation, eligibility assessment, and fraud prevention. Soft searches are recorded but invisible to other lenders and don't impact credit scores.
Non-acceptance of soft searches requires immediate site cessation.
8. Application Outcomes
Following application completion, accepted applicants receive financial provider details. Lenders display in order of total amount payable (lowest to highest). Only available lenders are shown. The company has no control over lender acceptance decisions.
Lenders may offer different loan amounts than originally applied for. Applicants should consider this impact. Where no lender is found, applicants may receive alternative solution providers (credit reports, credit builders). Applicants should review offered services before proceeding.
9. Communication / Marketing
Unless stated otherwise, the company, panel lenders, credit brokers, and alternative solution providers contact via telephone, SMS, and/or email regarding applications and services of interest.
"Soft opt-in" allows marketing of similar products/services to those previously inquired about, without prior consent. Users assumed to want information until opting out or unsubscribing. Opt-out available via SMS/email links or emailing info@thequickfastsolutions.co.uk.
10. Commission
Where applications are accepted, the company receives commission from the lender or alternative solution provider. Further commission information available by emailing info@thequickfastsolutions.co.uk.
11. Intellectual property rights
All intellectual property rights in website information, content, materials, data, and processes belong to the company or licensed sources. All rights are reserved.
Users may print or download extracts for personal use only. Downloaded materials cannot be modified, and illustrations, photographs, videos, audio sequences, or graphics cannot be used separately from accompanying text.
12. Website Links from our Site
Links to lenders, credit brokers, and alternative providers are informational only. The company is not responsible for external site content or terms. Users should carefully review external site terms and privacy policies.
13. Security
The company subscribes to latest internet security standards. Information supplied is encrypted and cannot be read by others.
14. Jurisdiction
The website is controlled and operated in the United Kingdom. These Terms and non-contractual obligations are governed by English and Welsh law. Users irrevocably submit to exclusive English court jurisdiction.
15. Liability
To the extent permitted by law, all conditions, warranties, representations, or other terms (express or implied) are excluded.
The company cannot guarantee lender authorization of any application due to system problems, unforeseeable circumstances, or incorrect information submission.
The company is not liable for losses unless negligent or in breach of these terms, or otherwise required by UK law. If forms are used without reasonable care, fraudulently, or in breach of terms, the company, lender, or finance provider may charge reasonable costs for stopping use and recovering owed monies.
16. Right to be Forgotten / Erasure of Your Personal Information
Users have GDPR rights including:
- Right to be informed: Users receive data collection and usage notifications primarily through Privacy Policy and consent statements.
- Right to Object: Users may object to processing required for finding financial products/services by emailing info@thequickfastsolutions.co.uk. This prevents service provision.
- Right of Access: Users may request confirmation of held personal information and access it by emailing the Compliance Department.
- Right to rectification: Users may request correction of inaccurate personal information.
- Right to erasure: Users may request deletion where information is no longer necessary. This may prevent service provision.
- Right to restrict processing: Users may request processing restrictions if information accuracy is questioned. This may prevent service provision.
- Right to data portability: Users may request information transfers to another business.
- Rights related to automated decision-making: Users may object to automated decisions, request human intervention, and receive decision explanations with challenge options. Request via info@thequickfastsolutions.co.uk.
- Right to complain to the Information Commissioner's Office (ICO): Users may escalate unresolved complaints.
Contact Customer Services at info@thequickfastsolutions.co.uk for inquiries and rights exercise.
17. Complaints
The company endeavors to provide excellent service. For formal complaints, email info@thequickfastsolutions.co.uk.
For unresolved complaints, escalate to the Financial Ombudsman Service within six months of final response:
Financial Ombudsman Service
Exchange Tower, London, E14 9SR
Telephone: 0800 023 4567
Website: www.financial-ombudsman.org.uk
Email: complaint.info@financial-ombudsman.org.uk
Report concerns to the Information Commissioner's Office (ICO):
Information Commissioner's Office
Wycliffe House, Water Lane, Wilmslow, Cheshire, SK9 5AF
Tel: 0303 123 1113 (local rate) or 01625 545 745 (national rate)