Website Terms

Company information

Amigo Loans Ltd, trading as RewardRate, is registered in the UK with company number 4841153. Our Registered Office is 11a Avenue Centre, Commercial Road, Bournemouth, Dorset, BH2 5RP. 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.

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. 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.

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 may provide you with choices regarding certain personal data uses, particularly around marketing and advertising. You may choose to opt-out from receiving this at any time. Please contact us on [email protected] to unsubscribe from our marketing communication.

Whenever you make use of a feature that allows you to upload content to our site, or to make contact with other users of our site, you must comply with the content standards set out in this Policy.

You may not use our site:

In any way that breaches any applicable local, national or international law or regulation.
In any way that is unlawful or fraudulent or has any unlawful or fraudulent purposes.
For the purpose of harming or attempting to harm minors in any way.
To bully, insult, intimidate or humiliate our colleagues or to diminish our values.
To transmit, or procure the sending of, any unsolicited or unauthorised advertising or promotional material or any other form of similar solicitation (spam).
To knowingly transmit any data, send or upload any material that contains viruses, Trojan horses, worms, time-bombs, keystroke loggers, spyware, adware or any other harmful programs or similar computer code designed to adversely affect the operation of any computer software or hardware.
To reproduce/promote terrorist content.

You also agree:

Not to reproduce, duplicate or copy any part of our website in contravention of the provisions of our terms of website use in line with this policy.
Not to access without authority, interfere with, damage or disrupt:

any part of our site;
any equipment or network on which our site is stored;
any software used in the provision of our site; or
any equipment or network or software owned or used by any third party.

If we consider a breach of any of the above has occurred, we may take action we deem appropriate. Breaking any clause of this section constitutes a material breach of this policy and may result in:

Immediate, temporary or permanent withdrawal of your right to use our site.
Issue of a warning to you.
Legal proceedings against you for reimbursement of all costs on an indemnity basis (including, but not limited to, reasonable administrative and legal costs) resulting from the breach.
Further legal action against you.
Disclosure of such information to law enforcement authorities as we reasonably feel is necessary or as required by law.

Other terms

There are other terms that may apply to you:

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.

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

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. This website may also include information and materials produced and added by other users of the site. These contents may not have not been verified or approved by us. The views expressed by other users on our site do not represent our views.

You have the right to make a complaint about content uploaded by other users, please contact us using one of the channels outlined in the Customer feedback section below.

Call recording

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

Customer feedback

RewardRate 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 www.rewardrate.com or by writing to RewardRate Complaints, 11a Avenue Centre, Commercial Road, Bournemouth, Dorset, BH2 5RP.

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).

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.

Links to our site

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

You must not establish a link in such a way as to suggest any form of association, approval, or endorsement on our part where none exists.

We reserve the right to withdraw linking permission without notice.

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.

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.

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.

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.

Security

We have put in place appropriate security measures to prevent your personal data from being accidentally lost, used or accessed in an unauthorised way, altered or disclosed. In addition, we limit access to your personal data to those employees, agents, contractors and other third parties who have a business need to know. They will only process your personal data on our instructions and they are subject to a duty of confidentiality.

We have put in place procedures to deal with any suspected personal data breach and will notify you and any applicable regulator of a breach where we are legally required to do so.

Please remember that emails 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.

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.

Our status (and that of any identified contributors) as the authors of content on our site must always be acknowledged (except where the content is user-generated).

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 our prior written consent.

You must not use any part of the content on our site for commercial purposes without obtaining a licence to do so from us or our licensors.

If you print off, copy, download, share or repost any part of our site in breach of these terms of use, your right to use our site will cease immediately and you must, at our option, return or destroy any copies of the materials you have made.

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 our agreements for us.

We may disclose information supplied to us and details of how you conduct a 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.

We will get your express opt-in consent before we share your personal data with any third party for marketing purposes.

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

Please contact us at: RewardRate, 11a Avenue Centre, Commercial Road, Bournemouth, Dorset, BH2 5RP. 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 a 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.

We will get your express opt-in consent before we share your personal data with any third party for marketing purposes. If you write and ask us, you have a right to receive a copy of the information we hold about you. For general information on your rights relating to the information we hold about you, please visit: ico.org.uk/for-the-public/.

CREDIT REFERENCE AGENCIES

This section applies to any applicant or borrower

When you apply for a RewardRate loan, we will look at your credit file at credit-reference agencies such as TransUnion, 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:

RewardRate, 11a Avenue Centre, Commercial Road, Bournemouth, Dorset, BH2 5RP.

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.

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 TransUnion, 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:

RewardRate, 11a Avenue Centre, Commercial Road, Bournemouth, Dorset, BH2 5RP.

Governing Law

English law governs these terms and 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.

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

Our trademarks are registered

RewardRate is a trademark of Amigo Loans Ltd. You are not permitted to use our trademarks without our approval, unless they are part of material you are using as permitted in accordance with the Copyright section of this Policy.

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.

For more information about our cookies and how we use them please see our Cookies Policy.

RewardRate 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.