Terms of use

1. Acceptance

By accessing or using the site you confirm that you are at least 18 years old and have the authority to agree to these terms on behalf of yourself and any business you represent. We may update these terms from time to time; the version published on the site at the time you use it is the version that applies.

2. Use of the service

The site is provided for lawful, informational use. You agree not to:

• Use the site to break any law or any third party's rights.
• Attempt to interfere with the site's security or normal operation.
• Scrape, copy or republish significant portions of the site without our written permission, beyond what is permitted by applicable law.
• Submit false, misleading or fraudulent information to the eligibility checker or other forms.
• Use the site to send spam or unsolicited marketing.

3. Eligibility guidance, not advice

The site provides general eligibility guidance and educational content about UK SME finance products and lender criteria. It is not financial advice, legal advice, tax advice or a recommendation to enter into any specific finance product. Output from the eligibility checker is an indicative match against published criteria that may be suitable for further research; it is not a loan offer, not a guarantee of approval, and not a promise that any lender will accept your application. Criteria can change without notice.

Lendrly is not a regulated credit broker and is not authorised by the Financial Conduct Authority. We do not arrange, negotiate, recommend or broker credit, we do not submit applications on your behalf, and we do not match, introduce or place users with any specific lender. Any decision to approach a lender is yours alone. Final approval for any finance product is subject to the lender's underwriting, affordability checks, credit assessment and documentation.

4. No warranty

The site is provided "as is" and "as available". While we work to keep lender information and educational content accurate and up to date, we do not warrant that:

• The content is complete, current or free from error.
• Lender criteria shown on the site match what an individual lender will apply.
• The site will be uninterrupted, secure or error-free.

You should verify any criterion that matters to your decision directly with the lender before applying.

5. Limitation of liability

To the maximum extent permitted by law, Lendrly will not be liable for any indirect, incidental, special, consequential or punitive losses, or for any loss of profit, revenue, business, goodwill, contracts, savings, opportunity or data arising out of or in connection with your use of the site or reliance on any content on it. Nothing in these terms excludes or limits liability for death or personal injury caused by our negligence, for fraud, or for any other liability that cannot be excluded under English law.

6. Third-party lender content

The site contains information about third-party lenders and their published finance products. These lenders are independent businesses. We do not control their underwriting decisions, pricing or product terms. Links to lender websites are provided for convenience only; we are not responsible for the content of external sites. References to lenders do not imply endorsement, partnership or commercial arrangement unless we say so explicitly on the page.

If you spot information about a lender that you believe is out of date or inaccurate, please tell us at hello@duesmith.com.

7. Intellectual property

The site, including its educational content, structured data layout and the Lendrly name, is owned by us or licensed to us. Lender brand names and trade marks belong to the respective lenders. You may view and print pages for your own internal use. You may not reuse, copy, distribute or modify the site or its content for commercial purposes without our written permission.

8. Changes to the service

We may change, suspend or discontinue any part of the site at any time, including features, content, lender entries and these terms. We will try to give reasonable notice of significant changes where it makes sense to do so.

9. Indemnity

You agree to indemnify and hold Lendrly, its officers, employees and contractors harmless from any claim, loss, liability or expense (including reasonable legal fees) arising out of (a) your breach of these terms, (b) your misuse of the site, or (c) any decision you make to apply for, accept or use any third-party finance product as a result of information on the site. Nothing in this clause limits liability that cannot be excluded under English law.

10. Complaints

If you have a complaint about the site or our service, please email hello@duesmith.com with the subject line "Complaint". We will acknowledge within five working days and aim to respond substantively within 28 days. Because Lendrly is not FCA-authorised, our service is not covered by the Financial Ombudsman Service. Data-protection complaints can be made to the Information Commissioner's Office at ico.org.uk.

11. Governing law and jurisdiction

These terms and any dispute or claim (including non-contractual disputes) arising out of or in connection with them or their subject matter are governed by, and construed in accordance with, the laws of England and Wales. You and Lendrly agree to the exclusive jurisdiction of the courts of England and Wales.

12. Contact

Questions about these terms can be sent to hello@duesmith.com.