Terms of Use for UKBadCreditLoans

NOTICE: Legal Terms of Use Updated, Effective Date: May 17, 2022

Before using UKBadCreditLoans's website (also referred to as “Company”, “We”, “Us,” or “Site”), please carefully read this Terms of Use Agreement ("Agreement"). The Agreement governs your access to and use of the Site. Your use of our Site and our services constitutes your agreement to the terms of the Agreement. Should you not agree to accept the Agreement, we would suggest that you exit the page and stop using the Site. We reserve the right to terminate your access and use our website without notice if you breach these terms.

Service Information

UKBadCreditLoans is a registered trading name of COCOSOFT LTD, registered in England. The Company is not a lender, but a broker through which users can connect with a wide network of third-party lenders (“Lender(s)”). UKBadCreditLoans is contracted with a panel of independent third-party lenders and aims to match borrowers with them effectively.

To use our service, you must fill in and submit the loan application form that records your personal, employment, and financial information. The submitted information will be shared with our partner lenders to help you obtain the loan requested. We are not responsible for reviewing or approving your loan applications. The Lenders will instead approve and fund your loans after affirming your eligibility and creditworthiness based on factors such as your credit history.

No fees will be charged for using our services, but our Lenders may pay us a commission if they eventually offer you the products or services that you requested. The Site does not recommend or guarantee the loan availability, price, rates, or terms of Lenders. We also do not guarantee that you can successfully obtain the products or services that suit your needs.

Changes to these Terms and conditions

These Terms of use may be amended from time to time by Us. Please check this page periodically for modifications to the terms and conditions. Your continued use of our website after changes are updated indicates your acceptance of the new terms and conditions.


The Site can only be used by UK residents over the age of 18. By using the Site, you acknowledge that you are an adult from the UK.

Information You Provide to Us

The collection, use, and sharing of the information you provided to Us are subject to these Terms of use. We collect your personal, employment, and financial information when you request service from Us. Any information you provide to Us must be accurate. The information includes but is not limited to full names, date of birth, income, zip code, Social Security Number, government ID numbers, and phone number.

We may share your information with Lenders. By using our service, you agree that Lenders can contact you either by email or by phone to help you obtain the loan you have requested. You are allowed to modify, correct, change or update your information by contacting Us via email.

Information Collected Through Cookies and Other Technologies

We use cookies and other similar tracking technologies to track your activity on our Site and store certain information such as IP addresses, browser types, and user preferences. Your reserve the right to accept or reject cookies. Cookies are only employed to improve our services and performance.

Third-Party Links

Our Site contains links to third-party websites or services we partner with. If borrowers submit a loan request or make a purchase through these links, we will receive payment of commissions, referral fees, or rewards at no extra cost to them. We do not guarantee the performance of any products or services offered by any parties to whose sites we link. We make no representation as to the accuracy of the information contained on those sites and assume no responsibility for their contents.

Intellectual Property Rights

We are the owner or the licensee of all copyright, trademarks and other intellectual property rights on the Site, and the material or contents published on it. All of these works are protected by copyright laws. All intellectual property rights are reserved.

If you are using the Site, you are allowed to print off, download, and display one copy of any page(s) from our website for your personal reference. You must not republish, sell, rent, sub-license, reproduce, or redistribute material found on this Site for commercial purposes without our consent. You may be subject to appropriate legal action if you violate our rights or those of our services.


Use of our Site is also subject to our Privacy Policy. The Site respects and protects your privacy. Please visit our Privacy Policy page for more details about your privacy on this Site.


Neither our Site nor any content on it is guaranteed to always be available or uninterrupted. We reserve the right to suspend, withdraw, discontinue, or change our Site at any time without notice. In no event shall we be liable to you if for any reason our site is unavailable temporarily or permanently.

Consent to Be Contacted

When users apply for a loan via our Site, they must check the "I agree" box for our Privacy Policy and our Terms of Use, which includes content that their email addresses and phone numbers will be used for marketing purposes. When users check the box, they agree to our collection and handling of the given information according to our Privacy Policy and Terms of Service, as well as to receive marketing and other messages automatically from us. We offer users the option to request us to stop sending marketing messages with the unsubscribe link in SMS messages or by sending us an email to let us know they wish to opt out.


We try our best to secure all your personal and financial information provided to Us via the form as well as others collected by our cookies or other similar tracking technologies. We have cutting-edge security measures in place to protect your information from any breaches, such as AES 256-bit encryption.

Suitability Disclaimer

We cannot ensure that the information provided on the Site is bound to meet your particular financial needs. Should you need any financial advice on loans provided by Lenders, it is best to consult with a financial professional for assistance.

Our Company does not review your loan request, nor does it determine the terms, rates, duration, or payment schedule. You are not guaranteed to obtain a loan as desired. You are responsible for ensuring that any products or services through the application form meet your own needs.

Contact Us

If you have any lingering questions about our terms and conditions, contact us at [email protected]. We will respond to your inquiry as quickly as possible.