Terms of Use

Last Updated: 2026 August

1. About These Terms

These Terms of Use (“Terms”) apply to your use of the Munzee website (“our website”).

By accessing or using our website, you agree to be bound by these Terms. If you do not agree, you should not use our website.

These Terms apply to all visitors, whether or not you become a customer.

2. About Us

Loans 2 Go Limited is a company registered in England and Wales (Company Number: 4519020) with its registered office at:
Bridge Studios, 34A Deodar Road, London, SW15 2NN.

We are authorised and regulated by the Financial Conduct Authority (FCA), Firm Reference Number: 679836. You can verify this on the FCA Register.

3. Use of Our Website

You may use our website for lawful, personal, and non-commercial purposes only.

You agree that you will not:

• Use the website in any way that breaches applicable laws or regulations.
• Attempt to gain unauthorised access to our systems.
• Interfere with the website’s operation or security.
• Use automated systems (e.g. bots, scraping tools) to extract data.
• Misuse the website for fraudulent or harmful purposes.

We may restrict or block access where we reasonably believe misuse has occurred.

4. No Advice

The content on our website is provided for general information only and does not constitute:

• financial advice,
• credit advice,
• a recommendation to take out a loan.

You should consider your own circumstances before applying for any product.

We are committed to delivering good outcomes for our customers in line with the FCA’s Consumer Duty. We aim to communicate clearly, offer products that meet genuine needs, and provide support throughout our relationship with you.

5. Eligibility Checks and Indicative Quotes

Any eligibility checks or indicative loan information on our website:

• are not guaranteed offers of credit,
• are subject to further assessment, including affordability and credit checks,
• may change following full application and verification.

You should not rely solely on these outputs when making financial decisions.

6. Application Process

If you apply, separate Terms and Conditions will apply.

Those terms will form a legally binding credit agreement if accepted.

These Terms govern your use of the website. Our Privacy Policy and Cookie Policy explain how we process personal data and use cookies. If you apply for a credit agreement, the applicable Terms and Conditions and credit agreement will take precedence over these Terms for matters relating to that agreement.

7. Availability and Accuracy

We aim to ensure our website is accurate and up to date, but:

• We do not guarantee that content is complete, accurate, or current.
• The website may be temporarily unavailable due to maintenance or technical issues.

We may update or change the website at any time without notice.

We do not guarantee that our website will be free from viruses or other malicious software. You are responsible for configuring your device and using appropriate virus protection software.

8. Limitation of Liability

To the extent permitted by law, we are not liable for:

• any loss arising from use of (or inability to use) our website,
• reliance on content or information provided on the website,
• technical issues, interruptions, or delays.

Nothing in these Terms excludes liability where it would be unlawful to do so, including liability for death or personal injury caused by negligence.

9. Intellectual Property

All content on this website, including text, graphics, logos, and software, is owned by or licensed to us.

You may not:

• copy, reproduce, or distribute content without permission,
• use our intellectual property for commercial purposes.

10. Links to Third Parties

Our website may contain links to third-party websites.

We are not responsible for:

• the content of those websites,
• their availability,
• their privacy or data practices.

11. Privacy and Data Protection

Your personal data will be handled in accordance with our Privacy Policy.

Our website uses cookies and similar technologies. Please see our Cookie Policy for details of which cookies we use, why we use them, and how you can manage your preferences.

12. Changes to These Terms

We may update these Terms from time to time.

Where changes are material, we will take reasonable steps to bring them to your attention. The “Last updated” date at the top of this page indicates when these Terms were last revised. We encourage you to review these Terms periodically. Your continued use of the website after changes take effect means you accept the revised Terms.

13. Complaints and Support

If you are unhappy with any aspect of our service, please contact us using the details in section 16 and tell us what has happened. We will investigate and respond in accordance with our complaint’s procedure.

If we cannot resolve your complaint, you may be able to refer it to the Financial Ombudsman Service. Further information is available at financial-ombudsman.org.uk.

If you are experiencing financial difficulty or need additional support, please contact us. We are committed to supporting customers who may be in vulnerable circumstances and can discuss reasonable adjustments or additional support with you.

14. Severability

If any provision of these Terms is found to be unlawful, void, or unenforceable, that provision shall be deemed severable and shall not affect the validity of the remaining provisions.

15. Governing Law

These Terms are governed by the laws of England and Wales.

Disputes will be subject to the jurisdiction of the courts of England and Wales, unless you live in another part of the UK, in which case local courts may apply.

16. Contact Us

If you have questions about these Terms, you can contact us.

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