Lolly.co.uk – Terms and Conditions page

Last Reviewed: May 2025

This website Lolly.co.uk is operated by Borrowing Limited (the “Company,” “We,” “Our,” “Us”). These Terms &
Conditions of Use form part of an Agreement between the Company and You ("you" and/or "your"), as the
user of this website (the "Site") and for the Company's Services, and governs Your access to and use of this
Site.

Please be sure to read this Agreement in its entirety before using this Site. If You do not agree to these terms,
please do not use this Site or the Company's Services.

Notice: By using this Site, You acknowledge that You are at least 18 years of age and that You have read,
understand and agree without limitation or qualification to be legally bound by these Terms & Conditions of
Use and our Privacy Notice, which are expressly incorporated herein by reference. Our Privacy Notice may be
found at [link to https://www.lolly.co.uk/privacy.php].

About Us
The Company is registered at Fulford House, Newbold Terrace, Leamington Spa, Warwickshire, England, CV32
4EA and is entered on the Financial Services Register under reference number 976300.

The company is an Introducer Appointed representative (IAR) of T Dot UK Limited who are incorporated under
the laws of England and Wales, with company registered number 09225672. T Dot UK is authorised and
regulated by the Financial Conduct Authority and is entered on the Financial Services Register under reference
number 688026.

Using the Site
To register for Company's Services, You must agree to these Terms & Conditions of Use, as well as the
Company's Privacy Notice. You must also accurately complete and submit one or more application forms that
require certain personal, employment, and financial information (the “Information”).

The relevant application form to be submitted will depend upon which of the Company’s Services you require.
The application forms are available as part of the documentation relating to that Services.

Once You submit Your Information, we may share it with our network of independent, third-party lenders
(“Lender(s)”). You are solely responsible for maintaining your own account information, including password.
You agree to notify the Company immediately if the information You have given Us as part of Your application
changes in any way, as detailed in the Company’s Privacy Notice.

The collection, use, and sharing of this information is subject to these Terms & Conditions of Use and our
Privacy Notice, which are available as described above. By registering for the Company's Services, You
understand that You are requesting a referral for a loan from the Lenders with whom we may share Your
information. You further understand that such Lenders might contact You via email, telephone/mobile
device/automated voice messaging and direct mail in order to assist You in obtaining the loan requested.
Lenders, Company, and/or third-party marketing partners may also provide information to You about
additional services and products you may be interested in, if you have provided your specific consent to do so.

Actual or attempted unauthorised use of the Site may result in criminal and/or civil prosecution. The Company
reserves the right to view, monitor, and record activity on the Site with permission from You, however The
Company can monitor and collect information such as, date and time of site visit, domain used to access the
site, and date and time of application without consent provided. Without consent, no identifiable information
will be gathered or processed. Any information obtained by monitoring, reviewing, or recording is subject to
review by law enforcement organisations in connection with investigation or prosecution of possible criminal
activity on the Site. The Company will comply with all requests for such information, in accordance with the
law and its regulatory obligations.

The Company’s Services
The Company is a an introducer Appointed Representative and Introduces your application to T Dot UK, the
credit broker, who then facilitates the connection of consumers interested in loan amounts between £100 and
£5,000 with participating Lenders (the "Company's Services"). The Company is not a Lender or a loan provider,
does not make loans or credit decisions, and does not provide financing directly to you. The Company is a free
referral service through which interested consumers can connect with a network of independent, third party
Lenders. The Company is not an agent of any particular Lender; but is an introducer Appointed Representative
of T Dot UK Limited, and the Site is not an offer or solicitation to lend. Any compensation the Company may
receive is paid by the Principal Firm (T Dot UK Limited) for advertising services provided. By completing and
submitting a registration form on the Site, you give your consent to be matched with a Lender in our network.

The Company will present your Information to T Dot UK Limited, in order to introduce you to one or more of
our Lenders based on their individualised criteria until such time as a Lender accepts your application, or your
application is declined by all Lenders your Information is presented to. Upon acceptance, you will be redirected
to the Lender’s website to complete the application process. You are under no obligation to accept the terms
of a loan offer before signing any applicable loan documents with the Lender, and you may cancel the process
at any time before such point. Read the terms of any loan offer carefully and consider obtaining independent
legal and/or financial advice before accepting.

The Company does not endorse, recommend, or guarantee the loan availability, price, product, availability,
rates, fees or any other loan terms of Lenders. We do not guarantee that a given Lender can offer you the
most suitable loan available in the marketplace. By submitting your Information to us, you expressly agree to
permit Lenders to verify and investigate the information You have provided.
If you are connected with a Lender, you understand that the Company is not a party to any agreement
between you and that Lender and that we have no involvement in the registration process after transmission
to the Lender. All loan terms are those of the Lender alone. The Lender is solely responsible for its services to
you and your interactions with the Lender are subject to such Lender's terms, conditions and privacy policies.
Please direct all questions, comments, or concerns involving your loan to the Lender.
You expressly agree that the Company shall not be liable for any damages or costs of any type arising out of or
in any way connected with your use of this Site, including those damages or costs resulting from your entering
into a loan agreement with a Lender.

Eligibility
The terms of loans offered by Lenders through the Site vary by Lender. At a minimum, Site users who complete
the registration form must be at least 18 years of age, legally capable of entering into a binding contract, and
be able to provide a valid address in the United Kingdom for delivery of services.

Suitability Disclaimer
The information we provide you on the Site may not meet your particular financial needs. You should seek the
advice of a financial professional to assess the loan information Lenders provide. Not all Lenders can provide
up to £5,000, and you are not guaranteed to receive a loan in any amount, or at the representative rate. We
do not determine the terms offered, including the rates, duration, or payment schedule. An offer extended by
a Lender is not a guarantee by any party that such offer is suitable for your financial needs. It is your
responsibility to ensure that any products or services available on the Site or through the registration form
meet your individual needs.

Credit Checking and Fraud Prevention
Although Company does not check your credit profile, make credit decisions, or determine loan terms, our
Lenders routinely use credit referencing agencies (“CRAs”) and/or fraud prevention companies to help make
relevant decisions. Company will only direct the information you provide us on the Site to such companies; it is
your obligation to ensure that your information is accurate. In order to prevent fraud in the industry or
needless rejection of your application, please enter only valid information. Purposefully submitting false data is
tantamount to a breach of these Terms and may also be treated as an unlawful act by any Lender you are
matched with.

If you have authorised any third party to enter information on your behalf, such information is deemed to have
been submitted by you. We treat joint applications as having been submitted with the consent of both parties.

Confidential Information
We will treat your confidential information, as well as public, non-confidential information, in accordance with
the Company’s Privacy Notice, available at [link to https://www.lolly.co.uk/privacy.php]. You expressly affirm
that information you provide on the Site is complete and accurate. We only process information about you in
accordance with our Privacy Notice.

Use of the Form
You agree to use the application form provided on the Site in a lawful manner and for a lawful purpose. You
are prohibited from using the form in a manner that causes harm to the Company’s operations.

Consent to Be Contacted
Please note that by submitting your Information to the Site, you consent to be contacted by a representative
of the Company or the Principal firm (T Dot UK Limited) by , SMS, or e-mail in regard to the service. Marketing
consent is gathered separately and you will not be contacted in regard to products and services of interest to
you unless specific consent has been provided. More information is provided in The Company’s Privacy Notice.

Third Party Information
We make no representations or warranties whatsoever concerning the products or services offered by any
third-party company, including Lenders. Any reliance you place on statements made by third parties including
Lenders is done so at your own risk. We do not endorse any opinion or claim made by any third party including
Lenders, whether or not on the Site, and expressly disclaim any responsibility and liability for such material.
Third party sites linked to the Site are not under the Company’s control, and we expressly disclaim any
responsibility for the content of third party sites. We encourage you to review the terms of service and privacy
notice of those sites.

Intellectual Property
The copyright and material on this Site is the property of Company and is protected by the copyright laws of
the United Kingdom. We provide you with a limited, non-exclusive, non-transferable, and non-sublicensable
license to use the Site solely for your personal use or your internal business purposes.
This foregoing license is limited. You therefore may not (i) use, copy, store, reproduce, transmit, distribute,
display, rent, lease, sell, modify, alter, license, sublicense, or commercially exploit the Site (or any part thereof)
in any manner not expressly permitted in these terms, (ii) reverse engineer, decompile, disassemble, translate,
or create any derivative work of the Site (or any part thereof); (iii) access, link to, or use any source code from
the Site (or any part thereof); or (iv) erase or remove any proprietary or intellectual property notice contained
in or on the Site (or any part thereof). In addition, you acknowledge and agree that exceeding the scope of the
license herein shall be a material breach of these terms and subject to the termination provisions set forth
herein.

The contents of the Site, including all software, design, text, graphics, images, photographs, illustrations, audio
and video material, artwork, databases, user interfaces, visual interfaces, sounds, artwork, presentations in
any format, computer code (including html code), products, information, and documentation, as well as the
design, structure, selection, coordination, expression, “look and feel,” and arrangement of the Site
(collectively, "Material") unless otherwise indicated, are owned, controlled, and licensed by Company or its
licensors, and is protected by the copyright laws of the United Kingdom. Any rights granted hereby are
expressly licensed. We do not grant any implied right to You or any other person and does not transfer or
assign any ownership or intellectual property interest or title in or to the Site (or any part thereof) to you or
anyone else. Your unauthorised use of the Site (including any Material) may violate intellectual property or
other proprietary rights laws as well as other laws, regulations, and statutes.

You shall not, nor will You allow any third party (whether or not for your benefit) to reproduce, modify, create
derivative works from, display, perform, publish, distribute, disseminate, broadcast or circulate to any third
party (including, without limitation, on or via a third-party website), or otherwise use, any Material without
our express prior written consent, or the Material’s owner if we are not the owner. All names, logos, and icons
identifying us and our products and services are proprietary trademarks of Company (or its affiliates), and any
use or alteration of such marks, including, without limitation, as domain names or account identifiers, without
the express written permission of Company is strictly prohibited.

Mobile Access
The Site may include certain services that are available to you via your mobile phone or other mobile device if
you have subscribed to them, including the ability to use your mobile device to receive and reply to messages
from us, and access certain other features (collectively, "Mobile Services"). Although we do not charge you for
these Mobile Services, your mobile carrier’s normal messaging, data, and other rates and fees will still apply to
your use of the Mobile Services. In addition, downloading, installing, or using certain Mobile Services may be
prohibited or restricted by your mobile carrier, and not all Mobile Services may work with all carriers or
devices. You are responsible for checking with your mobile carrier to determine if the Mobile Services are
available for your mobile devices, what restrictions, if any, may be applicable to your use of the Mobile
Services, and costs associated with their use. Where Mobile Services do not contain their own terms of use,
these Terms and Conditions of Use shall apply.

Your Representations
By using the Site, You represent and warrant that (i) You are at least 18 years of age; (ii) You are authorised to
enter into these terms and conditions; (iii) You will not use the Site or the Materials for any purpose or in any
manner that violates any law or regulation or that infringes the rights of Company or any third party; (iv) all
information that You provide to us in connection with the Site (e.g., name, e-mail address, and/or other
information) is true and accurate; and (v) You are authorised and able to fulfil and perform the obligations and
meet the conditions of a user as specified in these Terms and Conditions of Use.

Third Party Sites
Links found on the Site relating to third parties are provided for your information only. We are not responsible
for any loss or damage such links may cause due to your usage. External websites operate under their own
terms and privacy policies, which differ from those found on this Site.

Disclaimers
THE SITE AND SERVICES ARE PROVIDED "AS-IS" AND “AS AVAILABLE.” THE COMPANY DOES NOT WARRANT,
GUARANTEE, OR MAKE ANY REPRESENTATIONS REGARDING THE USE, OR THE RESULTS OF THE USE, OF THE
SITE OR SERVICES IN TERMS OF AVAILABILITY, ACCURACY, RELIABILITY, CURRENTNESS, COMPLETENESS,
FUNCTIONALITY, INTENDED PURPOSE, OR OTHERWISE. THE COMPANY DOES NOT REPRESENT OR WARRANT
THAT THE SITE OR SERVICES WILL OPERATE ERROR-FREE, UNINTERRUPTED, OR IN A MANNER THAT WILL MEET
YOUR REQUIREMENTS. THE ENTIRE RISK AS TO THE QUALITY AND PERFORMANCE OF THE SITE IS WITH YOU.
THE COMPANY HEREBY DISCLAIMS ANY AND ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, WITHOUT
LIMITATION, ANY IMPLIED WARRANTIES OF TITLE, NON-INFRINGEMENT, MERCHANTABILITY, FITNESS FOR A
PARTICULAR PURPOSE, OR BASED ON COURSE OF DEALING OR USAGE OF TRADE. WE DO NOT GUARANTEE
THAT THE INFORMATION PROVIDED BY THE CUSTOMER OR ANY THIRD PARTY IS ACCURATE OR COMPLETE, OR
THE RESULTS TO BE ACHIEVED FROM USE OF THE SITE OR SERVICES, INCLUDING BEING MATCHED WITH OR
CONNECTED TO A LENDER.

Liability
You acknowledge and agree that the Company shall not be liable or responsible for any claim, damage, or loss
resulting, directly or indirectly, from your use of the Site or any cause beyond the Company’s control,
including, but not limited to, offers or promotions made available on the Site, failure of electronic or
mechanical equipment or communication lines, telephone or other connection problems, computer viruses,
unauthorised access, theft, operator errors, severe weather, earthquakes, or natural disasters, strikes or other
labor problems, wars, governmental restrictions, or any claim, damage, or loss arising out of transactions or
interactions between You, third party merchants or anyone else. You specifically acknowledge that the
Company shall not be liable for defamatory, offensive, or illegal conduct of any third party and that the risk of
harm or damage from the foregoing rests entirely with you.

MOREOVER, YOU AGREE THAT IN NO EVENT SHALL COMPANY BE LIABLE FOR ANY INDIRECT, PUNITIVE,
INCIDENTAL, SPECIAL, OR CONSEQUENTIAL DAMAGES, INCLUDING, WITHOUT LIMITATION, FOR LOST PROFITS,
FOR LOST DATA, ARISING OUT OF OR IN ANY WAY CONNECTED WITH YOUR USE OF THE SITE OR THE SERVICES,
OR FOR ANY INFORMATION OR MATERIALS AVAILABLE THROUGH THE SITE, WHETHER BASED IN CONTRACT,
TORT, STRICT LIABILITY, OR OTHERWISE, EVEN IF COMPANY HAS BEEN ADVISED OF THE POSSIBILITY OF
DAMAGES. WITHOUT LIMITATION OF THE FOREGOING, TOTAL LIABILITY OF COMPANY FOR ANY REASON
WHATSOEVER RELATED TO USE OF THE SITE, RESULTS FROM USE OF THE SITE, OR FOR ANY CLAIMS RELATING
TO THIS AGREEMENT SHALL NOT EXCEED FIVE THOUSAND BRITISH POUNDS (£5,000.00), AS LIQUIDATED
DAMAGES AND NOT AS A PENALTY EVEN IF COMPANY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH
DAMAGES. THIS LIABILITY, IF ANY, SHALL BE COMPLETE AND EXCLUSIVE.

Indemnification
You agree to release, discharge, defend, indemnify and hold harmless Company and its officers, directors,
employees, agents, affiliates, third party information providers, licensors, contractors and others involved in
the delivery of products, the Company’s Services or information through the Site (collectively, "Indemnified
Parties"), arising from, in connection with, or relating to, any breach of these terms by You, including breaches
arising from your submission of Information through the Site. You agree that the Indemnified Parties will have
no liability in connection with any such breach or unauthorized use, and You agree to indemnify any and all
resulting loss, damages, judgments, awards, costs, expenses, and attorneys' fees and litigation expenses of the
Indemnified Parties in connection with these. You will also indemnify and hold the Indemnified Parties
harmless from and against any claims brought by third parties arising out of your use of the information
accessed through the Services or related website(s).

Governing Law
These terms shall be governed and construed in accordance with the laws of England and Wales, or by Scots
Law if you are a resident of Scotland, with such courts having exclusive jurisdiction over any claim arising from,
or relating to, your access to or use of this Site. Company reserves the right to bring proceedings against you
for breach of these terms and conditions in your country of residence or any other relevant jurisdiction.

Arbitration
Any dispute arising out of or in connection with these terms shall be referred to and finally resolved by the
London Court of International Arbitration (“LCIA”) and by arbitration under the LCIA Rules, which Rules are
deemed to be incorporated by reference into this clause. The number of arbitrators shall be one. The seat, or
legal place, of arbitration shall be London, United Kingdom. The language to be used in the arbitral
proceedings shall be English. The governing law of the contract shall be the substantive law of England and
Wales (unless otherwise determined above). Where applicable, class members shall consent to class
arbitration.

Termination
Company reserves the right at any time and for any reason to terminate this Agreement with you, without
notice to you. Company shall not be liable for any damages or loss, such as loss of sales or profits, as a result of
any termination of your access to the Site or to the network in accordance with this section. You may
demonstrate your withdrawal of consent to these terms at any time by ceasing to use the Site. However, all
applicable provisions of these terms will survive termination, as outlined below. Any licenses Company has
granted, and any right to use the Site, shall immediately cease upon termination of your Site access.

Feedback
The Company welcomes your feedback and suggestions about our Site and our products or services. By
transmitting any feedback or suggestions and any related information, material, or other content (collectively,
"Feedback") to Company, you represent and warrant that such feedback does not infringe or violate the
intellectual property or proprietary rights of any third party (including, without limitation, patents, copyrights,
or trademark rights) and that you have all rights necessary to convey such Feedback to Company. Feedback
will be deemed to include a royalty-free, perpetual, irrevocable, transferable, non-exclusive right and license
for Company to adopt, publish, reproduce, disseminate, transmit, distribute, copy, use, create derivative
works, and display (in whole or in part) worldwide, or act on such Feedback without additional approval or
consideration, in any form, media, or technology now known or later developed for the full term of any rights
that may exist in such information, material, or content, and you hereby waive any claim to the contrary.

Rights of Third Parties
No rights accruing to the user of this Site shall extend to any third party, including any counterparty,
intermediary, bank, or other third party that may be connected to you or your activity.

Survival
The provisions concerning Intellectual Property, Feedback, Disclaimers, Governing Law, Termination, and the
Miscellaneous terms will survive the termination or expiration of any agreement which you may make with the
Company, of which these Terms and Conditions of Use form a part.

Complaints and Compensation
If you have a complaint in respect of the services described in these Terms and Conditions of Use, in the first
instance, you should contact us through the contact details provided at [link to
https://www.lolly.co.uk/complaints.php] or write to the Head of Compliance at Suite A, Floor 2, Avalon, 26-32
Oxford Road, Bournemouth BH8 8EZ.

We shall investigate the situation and if necessary, attempt to put matters right as quickly as possible. You
should expect a response within three (3) business days. Where appropriate we shall also take steps to prevent
a recurrence.

If you remain dissatisfied after our response, please contact the Financial Ombudsman Service, is a body set up
by law to give consumers a free and independent service for resolving disputes with financial services firms.
Further information is available at www.financialombudsman.org.uk.

Amendment
Company reserves the right to change the terms and conditions of this Agreement and by which the Site is
extended to you by providing you in writing or electronically a copy of such revised terms (or notice thereof).

Company also has the exclusive right to provide updates, upgrades, or changes to, or to suspend, discontinue,
or modify any aspect of the Site at any time. Your continued use of the Site following any such change to such
Site will be deemed acceptance to be bound by any such change to this Agreement or the Site. If You have any
questions about these Terms and Condition of Use, You may contact us via e-mail at: info@t.uk, by telephone
at 01202 122 280, or in writing sent via certified mail to: T Dot UK, Suite A, Floor 2, Avalon, 26-32 Oxford Road,
Bournemouth BH8 8EZ, Attn: Office of the General Counsel.

Representative APR 79.5%
Rates from 12.9% APR to 1721% APR. Minimum Term 3 months. Maximum Term 36 months. Representative
Example: £1,000 borrowed for 18 months. 17 monthly repayments at £87.22, final repayment of £87.70. Total
amount repayable £1570.44. Interest total £570.44. Annual interest rate 59.97% (fixed) Representative APR:
79.5% (variable)