October 7, 2012

Terms of Use

Last Updated: 6th July 2016

Welcome to Bizfella Limited, trading as “easypaydaylender.com”. Bizfella Limited (hereinafter “Company”) is located at Unit 13, Glossop Brook Industrial Park, Surrey Street, Glossop, SK13 7AJ, United Kingdom. The whole of these Terms & Conditions of Use is an Agreement between Company and You (hereinafter “You” and/or “Your”) – as the user of this website (hereinafter “Site”) and 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.

By using this Site, You acknowledge You have read, understood, and agreed without limitation or qualification to be legally bound by these Terms &
Conditions of Use and Company’s Privacy Policy, which is expressly incorporated herein by
reference. If You do not agree to these terms, do not use this Site or Company’s services.

Company’s Services

Company is neither a lender nor a loan provider. Company is a credit broker providing matching services between consumers and Company’s network of
independent, licensed third-party lenders or brokers (hereinafter “Participating Providers”). Company facilitates connecting consumers interested in loan
amounts between £100 and £1,000 with Participating Service Providers (hereinafter “Company’s services”).

Company does not make credit decisions. Company does not endorse or charge consumers for any service or product. Any commission Company may receive is paid
for solely by Participating Service Providers if you choose one of their products or for referring you to them.

If you are matched with a Participating Provider, you may be charged a fee directly by the Participating Provider. Please be sure to read their terms and
conditions before proceeding with any loan arrangement.

By registering for Company’s services, You authorise Your information to be shared with trusted Participating Providers. Participating Providers may
perform credit references with reporting bureaus or obtain consumer reports through alternative providers. Company does not guarantee You will be connected
with a Participating Providers, and not all Participating Providers can provide up to £1,000. Company does not endorse, recommend, or guarantee the price,
product, availability, rates, or fees of Participating Providers.

If You are connected with a Participating Provider, You understand Company is not a party to any agreement between You and the Participating Provider. The
Participating Provider is solely responsible for its services to You. Please direct all questions, comments, or concerns involving Your loan to the
Participating Provider.

Authorised Use

You are authorised by Company to use this Site and display its content, but only for Your personal, non-commercial use as provided elsewhere herein and
only as permitted by law. All other uses are strictly prohibited. Such prohibited uses include, without limitation, the reproduction, duplication, copy,
sale, resale, or other exploitation of any material, use, or access to this Site, for any commercial purpose.

Proprietary Rights

The content, arrangement, organisation, and design of this Site are protected under applicable copyright, trademark, and/or related intellectual property
laws. You do not acquire any ownership in or to any such content, arrangement, organisation, or design by or through Your access to this Site or use of
Company’s services. Any reproduction, duplication, copy, sale, resale, or other exploitation of the content, arrangement, organisation, and design of this
Site is strictly prohibited.

Disclaimer of Warranties

THIS SITE AND COMPANY’S SERVICES ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, AND ARE ACCESSED AND USED AT YOUR OWN RISK. TO THE FULLEST EXTENT OF
THE LAW, COMPANY MAKES NO WARRANTIES (INCLUDING WITHOUT LIMITATION IMPLIED WARRANTIES OF FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT),
REPRESENTATIONS, OR GUARANTEES, WHETHER EXPRESS OR IMPLIED, VERBAL OR OTHERWISE. WITHOUT LIMITING THE GENERALITY OF THE FOREGOING, COMPANY DOES NOT
WARRANT, REPRESENT, OR GUARANTEE THAT COMPANY’S SERVICES WILL MEET YOUR REQUIREMENTS; THAT COMPANY’S SERVICES WILL BE UNINTERRUPTED, TIMELY, SECURE, OR
ERROR-FREE; OR, THAT ANY DEFECTS IN THE OPERATION OR FUNCTIONALITY OF COMPANY’S SERVICES OR RELATED SOFTWARE WILL BE CORRECTED. COMPANY DOES NOT WARRANT,
REPRESENT, OR GUARANTEE THAT ANY THIRD PARTY’S SECURITY METHODS AND PRIVACY PROTECTION PROCEDURES WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE; AND
ACCEPTS NO RESULTING LIABILITY WHATSOEVER THEREFOR. COMPANY HAS NOT REVIEWED ANY THIRD-PARTY SITES THAT MAY BE LINKED TO THIS SITE. YOUR ACCESS TO AND USE
OF SUCH THIRD-PARTY SITES AND ANY THIRD-PARTY PRODUCTS OR SERVICES IS DONE AT YOUR OWN RISK.

Limitation of Liability

IN NO EVENT SHALL COMPANY BE RESPONSIBLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, OR PUNITIVE DAMAGES ARISING OUT OF YOUR
ACCESS TO OR USE OF THIS SITE, OR YOUR USE OF COMPANY’S SERVICES. TO THE FULLEST EXTENT PERMITTED BY LAW, THE TOTAL LIABILITY OF COMPANY FOR ANY CLAIM
ARISING OUT OF YOUR ACCESS TO OR USE OF THIS SITE, OR YOUR USE OF COMPANY’S SERVICES-WHETHER IN CONTRACT, WARRANTY, TORT, OR OTHERWISE-IS LIMITED TO THE
AMOUNT PAID BY YOU, IF ANY, FOR YOUR ACCESS TO OR USE OF THIS SITE, OR YOUR USE OF COMPANY’S SERVICES.

Third-Party Websites

This Site may contain links to third-party websites. The inclusion of links to third-party websites is not an endorsement of or recommendation for such
third-party websites or anything contained therein. Such links to third-party websites are provided for reference and convenience only. Because Company
does not have control over third-party websites or anything contained therein, You agree Company is not responsible or liable for Your access to or use of
such third-party websites. Any access to or use of such third-party websites is done at Your own risk.

Disputes; Choice of Law; Venue

Any dispute arising out of Your access to or use of this Site, or Your use of Company’s services, shall be governed by the laws of England. English courts
shall have non-exclusive jurisdiction in respect to any dispute arising out of Your access to and/or use of this Site, or Your use of Company’s services.
Notwithstanding any applicable statute or law to the contrary, You agree that any claim arising out of Your access to or use of this Site, or Your use of
Company’s services, must be brought within one (1) year after the cause of action arises, otherwise such claim or cause of action is forever barred.

Export Control

Any content and/or materials made available from or through the Site are or may be subject to English export controls. The products, services, and/or
underlying software of this Site shall not be downloaded or otherwise exported, or re-exported, into, or to a national resident of, any country to which
England has embargoed goods.

Indemnification

You agree to indemnify and hold Company, its parents, subsidiaries and affiliates, and each of their respective members, officers, directors, employees,
agents, co-branders and/or other partners, harmless from and against any and all liability, loss, damages, expenses (including reasonable attorneys’ fees),
claims, actions, suits, and proceedings arising out of or related to: (a) Your use of this Site or Company’s services; (b) Your breach of these Terms &
Conditions of Use; and/or (c) any dispute between You and any third party. The provisions of this paragraph are for the benefit of Company, its parents,
subsidiaries and affiliates, and each of their respective members, officers, directors, employees, agents, co-branders and/or other partners. Each of these
individuals or entities shall have the right to assert and enforce this provision directly against You on its own behalf.

Entire Agreement

These Terms & Conditions of Use set forth the entire understanding and agreement between You and Company with respect to the subject matter hereof, and
supersedes any and all prior or contemporaneous agreements. Company’s failure to enforce any provision of these Terms & Conditions of Use shall not be
deemed a waiver of such provision nor of the right to enforce such provision.

Modification

Company reserves the right to modify these Terms & Conditions of Use or any additional terms that apply to this Site or Company’s services. Company
will post notice of any such modifications in a clear and conspicuous manner to these Terms & Conditions of Use and anywhere else Company may deem
appropriate. Any such modifications shall take effect immediately. If You do not agree to any such modifications, do not use this Site or Company’s
services.

Non-Waiver; Severability

The failure of Company to enforce any provision in these Terms & Conditions of Use, or to exercise any right outlined herein, shall in no way be deemed
as a waiver of this right or the ability to enforce any of the terms and conditions contained herein. If any provision contained in these Terms &
Conditions of Use is determined to be invalid, illegal, or unenforceable in any respect under any applicable law, then such provision shall be severed and
the remaining provisions of these Terms & Conditions of Use shall remain in full force and effect.

Complaints

We want to ensure our service to You is excellent; however, if You wish to make a formal complaint, please send Your complaint via email or by writing to
the following address:

Email us at customerservice@bizfella.co.uk

or write to: The Compliance Manager, Bizfella Ltd Unit 13, Glossop Brook Industrial Park, Surrey Street, Glossop, SK13 7AJ, United Kingdom.

To learn more about making a complaint click here.

Warning Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk.