Last updated: 15/09/2025
About These Terms
These terms and conditions govern your use of www.probateloans.co.uk and the services we provide. By using our website or services, you agree to be bound by these terms.
Who we are: We are Respect Digital Limited, a company registered in England and Wales. Our registered office is at Office 3357, 321-323 High Rd, Romford, England, RM6 6AX. We trade under the name “Probate Loans.”
Our Service
What We Do
We provide:
- Information and guidance about probate loans and inheritance finance
- Introduction services connecting you with specialist loan brokers and lenders
- Educational content about probate processes and funding options
- Initial assessment of your requirements and circumstances
What We Don’t Do
We do not:
- Provide loans or credit directly
- Arrange or broker loans ourselves
- Provide regulated financial advice or recommendations
- Guarantee loan approval or specific terms
- Act as agents for any particular lender or broker
UK Service Only
Our services are available only to UK residents dealing with UK estates and probate matters. We do not provide services for international estates or non-UK residents.
Important Disclaimers
No Financial Advice
The information on our website and in our communications is for general guidance only and does not constitute financial advice. We are not authorised or regulated by the Financial Conduct Authority (FCA) and do not provide regulated advice.
You should:
- Consider whether any financial product is suitable for your circumstances
- Seek independent financial advice if you’re unsure about any financial decision
- Read all terms and conditions before committing to any loan or financial product
No Guarantees
We cannot guarantee:
- That you will be approved for any loan or advance
- Specific interest rates, fees, or loan terms
- The timescales for loan approval or fund release
- The suitability of any particular lender for your needs
Referral Service
When you contact us, we may refer your enquiry to third-party loan brokers or lenders. These companies are independent businesses and we are not responsible for:
- Their lending decisions, terms, or conditions
- The quality of their service or advice
- Any disputes between you and them
- Their regulatory compliance or authorisation status
Website Use
Acceptable Use
You may use our website for lawful purposes only. You must not:
- Provide false or misleading information
- Use the website in any way that could damage or overload our systems
- Attempt to gain unauthorised access to our systems or data
- Use automated systems to access or scrape our content
- Violate any applicable laws or regulations
Age Restrictions
Our services are only available to individuals aged 18 or over. By using our website, you confirm that you meet this age requirement.
Accuracy of Information
You are responsible for ensuring that any information you provide to us is accurate and complete. We may rely on this information when making introductions to lenders, and inaccurate information could affect the service we provide.
Intellectual Property
Our Content
All content on our website, including text, images, logos, and design elements, is owned by us or our licensors and is protected by copyright and other intellectual property rights.
You may:
- View and print content for personal, non-commercial use
- Share links to our content
You may not:
- Copy, reproduce, or distribute our content for commercial purposes
- Modify or create derivative works from our content
- Remove or alter any copyright notices or other proprietary markings
Trademarks
“Probate Loans” and our logo are trademarks of Respect Digital Limited. You may not use these marks without our written permission.
Third-Party Content and Links
Our website may contain links to third-party websites or references to third-party services. We are not responsible for:
- The content, accuracy, or availability of third-party websites
- The privacy practices or terms of service of third-party providers
- Any transactions or relationships between you and third parties
Fees and Payments
Our Fees
Our introduction service is free to you. We may receive referral fees from brokers or lenders when they successfully complete loans for people we introduce, but this does not affect the terms or costs of any loans offered to you.
Third-Party Fees
Any fees, interest, or charges for loans or financial products will be charged directly by the relevant lender or broker, not by us. You are responsible for understanding and agreeing to all terms before committing to any financial product.
Limitation of Liability
Our Liability Limits
To the maximum extent permitted by law:
- Our total liability to you for any claims arising from our service is limited to £100
- We exclude liability for any indirect, consequential, or special damages
- We exclude liability for any losses arising from third-party services or products
What We’re Not Liable For
We are not liable for:
- Decisions made by lenders to approve or decline loan applications
- Terms, conditions, or costs of loans offered by third parties
- Delays in loan processing or fund release by third parties
- Any financial losses arising from your use of third-party services
- Technical problems, interruptions, or unavailability of our website
Your Responsibilities
You are responsible for:
- Making your own decisions about financial products
- Reading and understanding all loan terms before committing
- Seeking independent advice when appropriate
- Any consequences of information you provide to us or third parties
Data Protection and Privacy
Your personal information is processed in accordance with our Privacy Policy, which forms part of these terms. By using our service, you consent to the collection, use, and sharing of your information as described in our Privacy Policy.
Termination
Your Rights
You can stop using our service at any time. If you’ve been introduced to lenders or brokers, any ongoing relationships with them are governed by their own terms and conditions.
Our Rights
We reserve the right to:
- Suspend or terminate your access to our website or services
- Refuse to provide introductions or services
- Remove or modify any content on our website
We may exercise these rights if you breach these terms, provide false information, or if we believe it’s necessary to protect our business or other users.
Changes to These Terms
We may update these terms from time to time to reflect changes in our services, legal requirements, or business practices. We’ll post any changes on this page and update the “last updated” date.
If you continue to use our services after changes are posted, you accept the updated terms.
General Provisions
Entire Agreement
These terms, together with our Privacy Policy, constitute the entire agreement between you and us regarding your use of our website and services.
Severability
If any part of these terms is found to be invalid or unenforceable, the remaining provisions will continue to apply.
No Waiver
Our failure to enforce any provision of these terms does not constitute a waiver of that provision or any other provision.
Assignment
You may not transfer or assign your rights under these terms. We may assign our rights and obligations to any third party.
Governing Law and Jurisdiction
These terms are governed by English law. Any disputes will be subject to the exclusive jurisdiction of the English courts.
However, if you’re a consumer resident in Scotland or Northern Ireland, you may bring proceedings in the courts of your home country, and these terms will be governed by the law of your home country.
Complaints
If you have a complaint about our service, please contact us first so we can try to resolve the issue.
Contact Information
If you have any questions about these terms, please contact us:
Email: info@probateloans.co.uk
Phone: 0330 030 5050
Post: Respect Digital Limited, Office 3357, 321-323 High Rd, Romford, England, RM6 6AX
Respect Digital Limited
Registered in England and Wales
Registered Office: Office 3357, 321-323 High Rd, Romford, England, RM6 6AX
Trading as: Probate Loans (www.probateloans.co.uk)
