1. About the Website Operator

This website (the "Site") is operated by the current operator of Loan My Coins ("we", "us", "our"). These Terms & Conditions apply only to your use of the Site. They do not govern any loan, credit, or other financial product, which is offered solely by independent third parties on their own terms.

2. Referral-Only Role

Loan My Coins operates the Site as a publisher of general information and referral pathways only.

• Loan My Coins is not a lender, credit provider, broker, financial adviser, credit adviser, financial product adviser, fiduciary, custodian, or agent for you.
• Loan My Coins does not arrange, negotiate, assess, approve, underwrite, or manage any loan or other financial product.
• Loan My Coins does not receive or act on your instructions in any intermediary capacity.
• Loan My Coins does not handle client funds, decide creditworthiness, or make lending or approval decisions.

3. No Financial Product Advice, No Credit Advice, No Recommendation

Nothing on the Site is financial product advice, credit advice, legal advice, tax advice, or a personal recommendation. We do not consider your objectives, financial situation, or needs, and we do not assess whether any product or arrangement is suitable, appropriate, or in your best interests. You must make your own assessment and obtain independent professional advice where appropriate.

4. No Offer, No Application, No Approval

• The Site does not constitute an offer of credit or financial services by us.
• Submitting an enquiry or contact form does not constitute a loan application to us or to any third party.
• Using the Site does not create any contractual right to any product or service.
• We do not promise approval, eligibility, rates, terms, availability, or timing of any product.

5. How Referrals Work

If you submit details through the Site, we may transmit your enquiry details to an independent third-party provider. We may also provide referral links, contact details, or other pathways only. Any further discussion, onboarding, risk checks, assessments, disclosures, approvals, contracts, and performance are solely between you and that provider. We are not a party to those dealings.

6. Independent Third-Party Providers

References on the Site to lending, products, or providers describe independent third-party providers only. Any contract or arrangement for a financial product is between you and the relevant provider under their documents. We do not warrant any provider's conduct, solvency, or performance.

7. Commercial Benefit and Referral Arrangements

Loan My Coins may receive a referral fee, commission, or other commercial benefit from an independent third-party provider in connection with referrals. Any such arrangement does not change that your legal relationship for a product is with the provider, not with us. If you require details of a specific provider's fees to you, obtain them directly from that provider.

8. No Guarantees or Representations

To the fullest extent permitted by law, Loan My Coins does not guarantee approval, availability, rates, terms, suitability, accuracy or completeness of third-party content, or any outcome from using the Site or dealing with any provider. Information on the Site may be general, summary, or out of date.

9. Third-Party Websites, Content, and Providers

We are not responsible for third-party websites, documents, product disclosures, privacy practices, security controls, application processes, eligibility decisions, contractual performance, or any acts or omissions of independent third-party providers. Links or referrals are for convenience only.

10. Acceptable Use, Intellectual Property, and Availability

You agree to use the Site only for lawful purposes and not to misuse, disrupt, or attempt to gain unauthorised access to the Site or related systems. Content on the Site (including text, graphics, and layout) is owned by us or our licensors and is protected by intellectual property laws. You may not copy, scrape, or redistribute Site content for commercial use without our prior written consent.

We do not warrant that the Site will be uninterrupted, error-free, or free of harmful components. We may suspend, withdraw, or change the Site or any part of it without notice. Nothing in these Terms excludes or limits any non-excludable rights you may have under applicable law.

11. Privacy

Your personal information is collected and handled in accordance with our Privacy Policy. By using the Site or submitting your details, you agree to our privacy practices.

12. Limitation of Liability

To the maximum extent permitted by law, Loan My Coins and our directors, officers, and employees are not liable for any loss or damage (including indirect or consequential loss) arising from or in connection with: use of or inability to use the Site; reliance on Site content; outages or unavailability; stale or inaccurate information; acts or omissions of third-party providers; or disputes between you and any third party. This limitation does not apply where liability cannot be excluded under applicable law.

13. Severability, Waiver, and Entire Agreement

If any part of these Terms is held invalid or unenforceable, the remainder remains in effect. Failure to enforce a provision is not a waiver. These Terms, together with the Privacy Policy where referenced, state the entire agreement between you and us regarding use of the Site (subject to non-excludable rights).

14. Changes to These Terms

We may update these Terms & Conditions from time to time. The current version will be posted on this page with an updated Effective Date. Continued use of the Site after changes constitutes acceptance of the updated Terms where permitted by law.

15. Governing Law and Jurisdiction

These Terms govern only your use of the Site. They are governed by the laws of the jurisdiction in which the current operator of the Site is established, and disputes relating to these Terms or your use of the Site are subject to the exclusive jurisdiction of the courts of that jurisdiction, except where applicable law requires otherwise. Any loan, credit, or other financial arrangement with an independent third-party provider is governed solely by that provider's agreements, disclosures, and governing-law terms, not by these Terms.

We may update this section to name the legal operator and jurisdiction expressly when finalised. You should review this page periodically.

16. Contact

For questions about these Terms & Conditions, contact the current operator of Loan My Coins at:

Email: contact@loanmycoins.com

The legal identity of the site operator and related details for data protection purposes are set out in our Privacy Policy.