LendFirst – Website User Agreement (Terms & Conditions)
Last updated: [2025]
1.1 LendFirst Ltd (“LendFirst”, “we”, “us”, “our”) is incorporated in England and Wales with company number [ 16553425 ] and registered office at [ Group First House, Mead Way, Padiham, BB12 7NG ].
1.2 We provide non-regulated bridging finance for business, investment, and commercial purposes only. We do not provide consumer credit or regulated mortgage contracts.
2.1 By using www.lendfirst.com (the “Site”), you agree to these Terms & Conditions (the “Terms”).
2.2 These Terms incorporate our Privacy Policy and Cookie Policy (together, the “Agreement”).
2.3 If you do not agree, you must not use the Site.
3.1 LendFirst is not authorised or regulated by the Financial Conduct Authority (FCA) for consumer lending.
3.2 Loans are exempt from FCA regulation under the Financial Services and Markets Act 2000 and are only available to those acting wholly for business or investment purposes.
3.3 Risk Warning:
3.4 Nothing on this Site constitutes financial, legal, tax, or investment advice. You must obtain independent advice before borrowing.
4.1 All information on the Site is for general information only.
4.2 Nothing on this Site constitutes:
4.3 Any lending is subject to full credit approval, identity/AML checks, valuation, legal due diligence, and execution of final facility documentation.
4.4 Rates, fees, and criteria shown are illustrative only and may change at any time without notice.
5.1 By using this Site, you confirm you:
5.2 The Site is intended for users in the United Kingdom only. We may restrict access from sanctioned or high-risk jurisdictions.
6.1 We may update or withdraw Site content and these Terms at any time.
6.2 Continued use constitutes acceptance. You should check this page regularly.
7.1 We do not guarantee uninterrupted or error-free access.
7.2 If we provide login access, you must keep credentials secure and notify us immediately of any breach.
7.3 You agree we may provide notices electronically (email, portal, or Site). Keep your contact details current.
7.4 We may record calls and retain correspondence for training, compliance, and dispute resolution.
You must not:
9.1 The Site and its content are owned by LendFirst or licensors.
9.2 We grant you a limited, non-exclusive, revocable licence to view and print content for internal business use only.
9.3 You must not copy, modify, or redistribute content without prior written consent.
10.1 The Site is provided “as is” and “as available” without warranties.
10.2 We do not guarantee content is accurate, complete, or up to date.
10.3 You are responsible for verifying information before acting.
11.1 The Site may contain links to third-party websites.
11.2 We are not responsible for their content or availability. Use at your own risk.
12.1 We process personal data in accordance with our Privacy Policy.
12.2 By using the Site, you consent to our use of cookies as explained in our Cookie Policy.
12.3 Enquiry form submissions include a declaration that you act for business purposes and consent to processing, including credit, AML/KYC, fraud, and sanctions checks.
13.1 We comply with UK anti-money laundering (AML), counter-terrorist financing, and sanctions laws.
13.2 We may request identification, source of funds, and related documents.
13.3 We may refuse or terminate engagement and report suspicious activity to relevant authorities.
14.1 Intermediaries using this Site must:
14.2 We may restrict or revoke broker access at any time.
15.1 We aim to handle complaints fairly and promptly.
15.2 Contact: [ complaints@lendfirst.co.uk ] or write to Complaints, LendFirst, [ Group First House, Mead Way, Padiham, BB12 7NG ].
15.3 We will acknowledge within 5 business days and aim to resolve within 8 weeks.
15.4 As a non-regulated lender, complaints are generally not within the jurisdiction of the Financial Ombudsman Service.
16.1 To the fullest extent permitted by law, we exclude all warranties and conditions, express or implied.
16.2 We are not liable for:
16.3 Our total liability relating to your use of the Site shall not exceed £1,000.
16.4 Nothing excludes liability for fraud, fraudulent misrepresentation, or death/personal injury caused by negligence.
You agree to indemnify and hold harmless LendFirst, its directors, officers, and employees against all losses, liabilities, costs, and expenses (including legal fees) arising from:
18.1 We may suspend or terminate access to the Site at any time if:
18.2 Provisions which by nature survive termination (including clauses 9–17, 19–21) shall remain in effect.
We are not liable for failure or delay caused by events outside our control, including cyber-attacks, strikes, or natural disasters.
We may assign or transfer rights and obligations under these Terms. You may not assign without prior written consent.
These Terms and any disputes (including non-contractual disputes) are governed by the laws of England and Wales. The courts of England and Wales have exclusive jurisdiction.
Email: [ hello@lendfirst.com ]
Post: [ LendFirst Ltd, Group First House, Mead Way, Padiham, BB12 7NG ]