Website Terms

Conditions for use for the website

Company information

Amigo Loans Ltd are registered in the UK with company number 4841153. Our Registered Office is Walton House, 56 - 58 Richmond Hill, Bournemouth, BH2 6EX. We are regulated and authorised by the Financial Conduct Authority with Permission Number 708284. We are also notified with the Information Commissioner’s Office under reference Z8738456. Amigo Loans Ltd are a part of The Richmond Group.

Basically
We have all the authorisation that you would expect us to have.
Use of site

By accessing any part of this site you agree to accept and be bound by these conditions. If you do not agree with any of them then you should stop using the site immediately.

Access to this site is limited to those pages that are explicitly linked from the home page. Any access or attempted access to pages other than those explicitly linked will be deemed unauthorised access and a potential breach of the Computer Misuse Act.

Basically
By using the Amigo site you agree to these conditions.
We will be regularly updating our site and may have to limit access while we make major upgrades.

We may stop you using this site and deny you access in future for any reason, including where we believe that you have not complied with these conditions or if we have reasonable grounds to suspect that you are using the site for any improper purpose, including (but not limited to) fraudulent, abusive or illegal activity.

We have the right to amend the contents of the site or these conditions at any time. We may suspend access to the site without notice for any reason, including the maintenance and updating of the information on it. We reserve the right to amend, alter or add to information appearing on the site.

Basically
If you don’t use this site in the correct way we may remove your access.
Accessibility

We have made reasonable efforts to ensure that the site is accessible from a wide range of computers and browsers. However, we cannot absolutely guarantee that you will be able to access the site if you change the hardware/software you are using and we do not accept liability if you are unable to do so.

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Most devices should be able to access our site but we are not liable if yours cannot.

All Amigo's products and services are subject to separate conditions that govern their use.

Basically
If you take a loan from us the loan terms and conditions will also apply.
Accuracy of Information

We do our best to ensure that the information provided on this site is up to date and accurate. However, since some of the information is provided by third parties, we cannot guarantee this. Nor can we guarantee that it is suitable for your particular purposes, as the site is, inevitably, general, rather than specific. Again, we exclude liability to the full extent allowed by law. This does not affect your statutory rights as a consumer.

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If any information on our website is not correct we are not liable.
Call recording

To make sure our staff maintain the high standards of service and courtesy you deserve from us, and for training purposes, we may record or monitor some of our phone conversations with you.

Basically
We usually record all of our calls.
Customer feedback

Amigo is committed to delivering excellent customer satisfaction. We consider complaints to be a valuable source of feedback and use them to help improve our products and processes, which ultimately leads to improved customer service. Letting us know your concerns gives us the opportunity to put matters right for you and improve our service to all our customers.

You can log a complaint:

  • over the telephone;
  • on our website at [email protected]
  • by writing to Amigo Loans Complaints, 118-128 Commercial Road, Bournemouth, Dorset, BH2 5LT.

If we do not resolve your complaint internally to your satisfaction, you may be able to refer it to the Financial Ombudsman Service at Exchange Tower London E14 9SR (telephone: 0800 0234567).

Basically
If things go wrong, please tell us and we will do our best to put them right.
Third party products and services

Where we provide links to other sites, we do not endorse any products or services advertised on them. Your use of these links is entirely at your own risk and we accept no responsibility or liability for the content, security, use or performance of these sites. We have not checked the content of these sites.

Basically
We have linked this site to other sites that we think may help you. Don’t blame us if you don’t find them helpful.
Links to our Site

You may not link any other website to this site without obtaining our consent in writing.

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Please don’t link to our site unless we’ve agreed.
No liability

We will accept no liability in any event including (without limitation) negligence for any damages or loss of any kind, including (without limitation) direct, indirect, incidental, special or consequential damages, expenses or losses (including loss of profit, loss of revenue, the use of money, loss of anticipated savings, loss of business and/or goods, loss of goodwill, loss of use and/or opportunity, loss and/ or corruption of data and/or other information, downtime and/or the cost of obtaining substitute products or services) arising out of, or in connection with your use or inability to use the site, or in connection with any error, omission, defect, computer virus or system failure, or loss of any profit, goodwill or reputation, even if expressly advised of the possibility of such loss or damages, arising out of or in connection with the access of, use of, performance of, browsing in or linking to other sites from this site.

We do our best to ensure that this site is free from viruses, bugs or other software or programs that may damage the operation of your computer. However, we cannot guarantee this and we do not accept liability if this happens.

Please note we may modify, suspend or discontinue, temporarily or permanently, the site (or any part of it) without notice at any time. You agree that we shall not be liable to you or to any third party for any such modification, suspension or discontinuance of the site.

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Sometimes things go wrong that are out of our control. Use the site at your own risk.

Neither you nor we will be responsible for any breach of these terms and conditions due to any cause beyond its reasonable control. Neither party shall be liable or deemed to be in default for any delay, interruption or failure in the performance of its obligations under this Agreement caused directly or indirectly by fire, flood, earthquake, explosion or other casualty, strike or labour dispute, disruption of telecommunication systems, war or other violence, accident, any law, order, injunction, proclamation, regulation, ordinance, demand or requirement of any government agency, act of god or any other cause or condition of a like nature beyond the reasonable control of the affected party.

Basically
Things can happen — we are not responsible.
No warranty

Although we have taken all reasonable care to ensure that the information provided on this site is accurate, we give no warranties of any kind (express or implied) with regard to its accuracy, timeliness or completeness.

Opinions and any other contents at the site are provided by us for personal use and informational purposes only and are subject to change without notice.

Basically
Again, we are not liable.
Indemnity

You agree to reimburse us in full if we suffer any loss or damage or incur any costs because you use this site for illegal, immoral or improper purposes.

Basically
Be reasonable and responsible, don't do anything stupid and you'll be fine.
Security

Please remember that e-mails are not secure unless the data being sent is encrypted. We cannot accept any responsibility for unauthorised access by a third party or the corruption of data sent to or from us.

Basically
Don’t email personal data, but if you do it is at your own risk.
Copyright

Copyright or other intellectual property rights protect the content and layout of this site. This not only includes text but also software, data, forms, sound, music, graphics, animations, logos and video clips. You may print off copies of calculations or product information for you own personal use. You may not copy, use or print off any material for any commercial, illegal or immoral purpose. If you print off information, data, text or forms, you must not alter, amend or copy them, make any derivative works from them nor remove or obscure any logos, names or other proprietary or intellectual property marks showing ownership by us or any third party.

This website contains proprietary information, which is protected by copyright. All rights reserved. No part of this website may be copied, reproduced, or translated to another language without the prior written consent of Amigo.

Basically
We’ve spent loads of time and effort getting this site right – please don’t copy it.
SHARING DATA

This section applies to any applicant or Borrower

We and other members of our group or certain other selected organisations will use the information you provide to consider any application and loan. You agree that we may hold and process, by computer or otherwise, any information we gather about you as a result of this agreement and any other agreements or applications you have made with us.

Where necessary, for any of the above purposes, as well as to prevent fraud and money laundering, we may release your personal information to our regulators, to other members of our group and to fraud-prevention and law-enforcement agencies or to anyone we transfer our rights and duties to under this agreement. We may also release your personal information to others (such as mailing agencies) who carry out certain aspects of the administration of this agreement for us.

We may disclose information supplied to us and details of how you conduct the loan (including disputes, arrears and legal proceedings) to the guarantor. We may also release information about payments made under the account to the person who introduced you to us (for example, a credit broker or under our refer-a-friend scheme). All countries in the European Economic Area (EEA), which includes the UK, have similar standards of legal protection for your personal information. We may provide services from centres outside the EEA that do not have a similar standard of data protection laws to the UK. Where we are sharing information with organisations in another country, we will ensure they agree to apply equivalent levels of protection as we do. If this is not possible – for example because we are required by law to disclose information – we will ensure the sharing of that information is lawful.

If you write and ask us, you have a right to receive a copy of the information we hold about you. You will need to pay a fee.

Please contact us at: Amigo Loans, 118-128 Commercial Road, Bournemouth, Dorset, BH2 5LT if you want to receive details of the relevant fraud-prevention and law-enforcement agencies. For general information on your rights in terms of the information we hold about you, please visit: ico.org.uk/for-the-public/.

This section applies to any guarantor or proposed guarantor

We and other members of our group or certain other selected organisations will use the information you provide to consider any application and Borrower loan. You agree that we may hold and process, by computer or otherwise, any information we gather about you as a result of this guarantee and indemnity and any other agreements or applications you have made with us.

Where necessary, for any of the above purposes, as well as to prevent fraud and money laundering, we may release your personal information to our regulators, to other members of our group and to fraud prevention and law-enforcement agencies or to anyone to whom we have transferred our rights and/or duties under this agreement. We may disclose your details, information supplied to us and payments to the Borrower. We may also release your personal information to third parties (such as mailing agencies) who may carry out certain aspects of the administration of this guarantee and indemnity for us.

We may also release information about payments made under the account to the person who introduced the Borrower to us (for example a credit broker or under our refer-a-friend scheme). All countries in the European Economic Area (EEA), which includes the UK, have similar standards of legal protection for your personal information. We may provide services from centres outside the EEA that do not have a similar standard of data protection laws to the UK. Where we are sharing information with organisations in another country, we will ensure they agree to apply equivalent levels of protection as we do. If we are required by law to disclose information – we will ensure the sharing of that information is lawful.

If you write and ask us, you have a right to receive a copy of the information we hold about you. You will need to pay a fee. For general information on your rights relating to the information we hold about you, please visit: ico.org.uk/for-the-public/.

Basically
We will process information about you as the law allows.
CREDIT REFERENCE AGENCIES

This section applies to any applicant or Borrower

When you apply for an Amigo Loan, we will look at your credit file at credit-reference agencies such as Call Credit, Equifax or Experian. The credit-reference agencies will give us credit information about you including information from the electoral register. This credit search is used to check your identity and your eligibility for a loan. We do not use this information to credit score you. The credit reference agencies will add details of our searches and your application to the record which they hold about you. The credit-reference agencies will also add details of your loan agreement with us, the payments you make under it and any default or failure to keep to its terms. Your credit-reference agency records will be seen by other organisations that make searches with those agencies.

While you are a customer of ours, we may carry out extra credit searches so we can manage your account. The credit-reference agencies will not add details of these searches to the record that they hold about you.

To prevent fraud, we will check your details with fraud-prevention agencies. If you provide false or inaccurate information and we suspect fraud, we’ll record this. We and other organisations may use and search these records (including access and use from other countries) to:

  • help make decisions about credit and credit-related services and other facilities for you and members of your household;
  • trace debtors and guarantors, recover debt, prevent fraud, and to manage your guarantee and indemnity, other accounts and facilities;
  • check details on proposals and claims for all types of insurance;
  • check details of job applicants and employees; and
  • check your identity to prevent money laundering unless you give us other satisfactory proof of identity.

If you want to receive details of those credit-reference and fraud-prevention agencies from whom we gather and with whom we record information about you, write to us at:

Amigo Loans Walton House, 56 - 58 Richmond Hill, Bournemouth, BH2 6EX

You have a legal right to these details. The credit-reference agencies and fraud-prevention agencies will also use the records to analyse statistics on credit and fraud.

Basically
To protect our business, we share information with credit reference and fraud prevention agencies.

This section applies to any guarantor or proposed guarantor

When you ask to act as a guarantor we’ll look at your credit file at credit reference agencies such as Call Credit, Equifax or Experian. The credit-reference agencies will give us credit information about you including information from the electoral register. The credit-reference agencies will not add details of our search or your application to the record which they hold about you. However, they may add details of any default or failure to keep to the terms of this guarantee. Your credit-reference agency records will be seen by other organisations that make searches with those agencies. Information held about you by the credit reference agencies may already be linked to records relating to one or more of your partners. For the purposes of this application you may be treated as financially linked and your application will be assessed with reference to any “associated” records.

While you are a customer of ours, we may carry out extra credit searches so we can manage the account. The credit-reference agencies will not add details of these searches to the record that they hold about you.

To prevent fraud we’ll check your details with fraud-prevention agencies. If you provide false or inaccurate information and we suspect fraud, we will record this. We and other organisations may use and search these (including access and use from other countries) records for example to:

  • help make decisions about credit and credit-related services and other facilities for you and members of your household;
  • trace debtors and guarantors, recover debt, prevent fraud, and to manage your guarantee and indemnity, other accounts and facilities;
  • check details on proposals and claims for all types of insurance;
  • check details of job applicants and employees; and
  • check your identity to prevent money laundering unless you give us other satisfactory proof of identity.

You have a legal right to these details. The credit-reference agencies and fraud-prevention agencies will also use the records to analyse statistics on credit and fraud. If you want to receive details of those credit-reference and fraud-prevention agencies from whom we gather and with whom we record information about you, write to us at:

Amigo Loans Walton House, 56 - 58 Richmond Hill, Bournemouth, BH2 6EX

Basically
To protect our business, we share information with credit reference and fraud prevention agencies.
Governing Law

English law governs these conditions and you agree that the English Courts shall have exclusive jurisdiction to determine any matter or dispute arising out of this site and these conditions.

This site is directed solely at individuals in the UK. If you choose to access this site from other locations, it’s your responsibility to comply with all applicable local laws.

If any of the clauses of these terms and conditions is found to be legally invalid, it will be deleted. The contract shall continue to bind the parties if it is capable of continuing in existence without the unfair term.

All disclaimers, indemnities and exclusions will continue in force after termination of this agreement.

Basically
Only apply for an Amigo loan if you live in the UK.

We reserve the right to transfer our rights duties and responsibilities set out in these terms and conditions to another party.

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We can sell our rights at anytime.
What we use cookies for:

Internet ‘cookies’ are extremely common. They’re stored on everyone’s computer and don’t harm your system. Cookies are simply used to store or gather site information.
We use cookies to:

  • gather customer journey information across our Sites and tailor the journey
  • evaluate the effectiveness of our advertising and promotions

We don't use cookies to track your Internet usage after leaving our site and we don't store personal information in them that others could read and understand. We will not sell or distribute cookie information without your prior consent.

Amigo uses clear GIFs, or pixel tags, provided by our advertising serving company to help manage our online advertising. This information is not personally identifiable and doesn't include your name, address, phone number, etc. We use both our own and partner companies' cookies to support these activities.

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To give you the very best experience on this website you need to agree to us using cookies.