Important: SureCash is a product of One Rectangle Limited. SureCash is not a lender and is not currently authorised or regulated by the Financial Conduct Authority (FCA) yet. Credit is provided by Fint Limited, not by SureCash or One Rectangle Limited.
1. About these terms
These terms and conditions ("Terms") govern your use of the website and services for SureCash, a product of One Rectangle Limited (company number 15416016), registered at 82a James Carter Road, Mildenhall, Bury St Edmunds, IP28 7DE ("we", "us", or "our").
By accessing our website, creating an account, or submitting a loan application, you agree to be bound by these Terms. If you do not agree, you must not use our services.
2. Our role
SureCash is a product of One Rectangle Limited. We do not lend money and are not currently authorised or regulated by the Financial Conduct Authority. We arrange for you to be introduced to credit products provided by Fint Limited, who is the lender of record.
You must not interpret any marketing on our website as a statement that we are a lender. Phrases such as "our loans" or "we lend" refer to credit arranged through our platform and provided by Fint Limited.
One Rectangle Limited may receive a commission from Fint if you take out a loan following an introduction through SureCash. This does not affect the cost of your loan.
3. Eligibility
To use our services you must:
- Be at least 18 years of age;
- Be resident in the United Kingdom;
- Hold a UK bank account in your name;
- Have the legal capacity to enter into a regulated credit agreement;
- Provide accurate and complete information throughout the application process.
All credit is subject to status, affordability assessment, and approval by Fint Limited. We cannot guarantee that you will be offered a loan.
4. The application process
When you apply through SureCash, we collect information to pass to Fint Limited for credit assessment. Until our partner API is fully integrated, application data is stored securely on our systems and reviewed in accordance with our internal processes and Fint Limited's requirements.
You authorise us to share your personal and financial information with Fint Limited and its service providers for the purpose of assessing your application, verifying your identity, and (if approved) administering your loan.
Fint Limited is responsible for the credit agreement, loan funding, repayment collection, and ongoing customer servicing. Questions about an active loan should be directed to Fint Limited in accordance with your credit agreement.
5. Personal loans
We offer a single personal loan product. Whether you need funds for a planned expense or an unexpected emergency, the same product applies. The purpose of your loan is recorded at application; the interest rate and terms offered are determined by Fint Limited's underwriting engine based on your individual circumstances.
Representative APR 39.9% variable. The actual APR offered may differ. Late or missed repayments can cause you serious money problems.
6. Your responsibilities
You agree to:
- Provide truthful, accurate, and up-to-date information;
- Notify us promptly of any material change to your circumstances;
- Read all pre-contractual information and the credit agreement before signing;
- Make repayments in full and on time in accordance with your credit agreement;
- Not use our services for unlawful purposes or fraud.
7. Consumer credit protections
Where you enter into a regulated credit agreement with Fint Limited, you have rights under the Consumer Credit Act 1974, including (where applicable) a 14-day right to withdraw from certain agreements without giving a reason. Details of your statutory rights will be set out in the pre-contractual information and credit agreement provided by Fint Limited.
Nothing in these Terms affects your statutory rights under the Consumer Rights Act 2015 or other applicable UK law.
8. Website use
You may use our website for lawful personal purposes only. You must not attempt to gain unauthorised access to our systems, interfere with the proper working of the website, scrape data without permission, or use automated tools to submit fraudulent applications.
We reserve the right to suspend or terminate your account if we reasonably believe you have breached these Terms or applicable law.
9. Intellectual property
All content, branding, logos, and software on this website are owned by or licensed to One Rectangle Limited. You may not copy, reproduce, or distribute any part of the website without our prior written consent.
10. Limitation of liability
To the fullest extent permitted by law, we are not liable for any loss arising from a decision by Fint Limited to decline your application, vary your offered terms, or take enforcement action under your credit agreement.
We do not exclude or limit liability for death or personal injury caused by our negligence, fraud, or any other liability that cannot be excluded under English law.
11. Complaints
If you are unhappy with our service, please see our complaints procedure.
12. Privacy and cookies
Our use of your personal data is described in our privacy policy. Our use of cookies is described in our cookie policy.
13. Changes to these terms
We may update these Terms from time to time. The version published on this page applies from the date shown at the bottom. Material changes will be highlighted on the website where reasonably practicable.
14. Governing law
These Terms are governed by the laws of England and Wales. The courts of England and Wales have exclusive jurisdiction, subject to your right to bring proceedings in the jurisdiction where you live if you are a consumer resident elsewhere in the United Kingdom.