Terms of Use

1. Acceptance of Terms

By accessing or using the Glender.io platform ("Platform"), you agree to be bound by these Terms of Use. If you do not agree to these terms, you must not use our Platform. These terms apply to all visitors, users, and others who access the Platform.

2. Platform Description

Glender Ltd operates as a credit broker, not a lender. Our Platform connects borrowers seeking property finance with our panel of regulated lenders. We facilitate the introduction between borrowers and lenders but do not provide loans directly.

Any finance offer you receive comes from a third-party lender, and the terms of that finance are between you and the lender. Glender does not guarantee that any particular lender will make you an offer, nor do we guarantee specific terms, rates, or loan amounts.

3. User Accounts

To use certain features of the Platform, you must register for an account. When creating an account, you agree to:

• Provide accurate, current, and complete information during registration
• Maintain and promptly update your account information
• Keep your password secure and confidential
• Accept responsibility for all activity that occurs under your account
• Notify us immediately of any unauthorised use of your account

We reserve the right to suspend or terminate accounts that contain inaccurate information or that violate these terms.

4. Application Process

When you submit a finance application through Glender, you acknowledge that:

• All information provided in your application is true, accurate, and complete
• We will share your application details with lenders on our panel to obtain finance offers
• Submitting an application does not guarantee that you will receive any offers
• Any indicative terms shown on the Platform are estimates only and may differ from final offers
• Credit and identity checks may be conducted as part of the application process
• Lenders may conduct their own due diligence and valuations before making a formal offer

5. Fees and Charges

Glender does not charge direct fees to borrowers for using the Platform or submitting applications. Our revenue comes from commission paid by lenders when a loan completes.

You should be aware that:

• Lenders may charge arrangement fees, valuation fees, legal fees, and other costs as part of their finance offer
• All lender fees will be clearly disclosed in any formal offer you receive
• Third-party costs such as solicitor fees, surveyor fees, and search fees are your responsibility
• We will always disclose the existence and nature of any commission we receive from a lender before you proceed with an offer

6. Intellectual Property

All content on the Platform, including but not limited to text, graphics, logos, icons, images, software, and the compilation thereof, is the property of Glender Ltd or its content suppliers and is protected by United Kingdom and international copyright laws.

You may not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any material from our Platform without our prior written consent.

7. Prohibited Conduct

You agree not to use the Platform to:

• Submit false, misleading, or fraudulent information
• Impersonate another person or entity
• Interfere with or disrupt the Platform or its servers
• Attempt to gain unauthorised access to any part of the Platform
• Use automated scripts, bots, or scrapers to collect data from the Platform
• Engage in any activity that violates applicable laws or regulations

8. Limitation of Liability

To the fullest extent permitted by law:

• Glender provides the Platform on an "as is" and "as available" basis without warranties of any kind, whether express or implied
• We do not warrant that the Platform will be uninterrupted, error-free, or free of viruses
• We are not liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the Platform
• Our total liability to you for any claims arising from or related to the Platform shall not exceed the amount you have paid to us (if any) in the 12 months preceding the claim

Nothing in these terms excludes or limits our liability for death or personal injury caused by our negligence, fraud or fraudulent misrepresentation, or any other liability that cannot be excluded by law.

9. Indemnification

You agree to indemnify and hold harmless Glender Ltd, its directors, officers, employees, and agents from any claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising out of or in connection with your use of the Platform or any breach of these terms.

10. Termination

We may suspend or terminate your access to the Platform at any time, without prior notice, for conduct that we believe violates these terms, is harmful to other users, or is otherwise objectionable. You may also close your account at any time by contacting us.

Upon termination, your right to use the Platform ceases immediately. Provisions that by their nature should survive termination (including intellectual property, limitation of liability, and indemnification) will remain in effect.

11. Third-Party Links

The Platform may contain links to third-party websites or services that are not owned or controlled by Glender. We are not responsible for the content, privacy policies, or practices of any third-party websites.

12. Governing Law

These terms are governed by and construed in accordance with the laws of England and Wales. Any disputes arising from or relating to these terms or your use of the Platform shall be subject to the exclusive jurisdiction of the courts of England and Wales.

13. Changes to Terms

We reserve the right to modify these terms at any time. If we make material changes, we will notify you by email or by posting a notice on the Platform prior to the changes taking effect. Your continued use of the Platform after changes are posted constitutes your acceptance of the revised terms.

14. Contact

If you have any questions about these Terms of Use, please contact us:

• Email: hello@glender.io
• Post: Glender Ltd, 71-75 Shelton Street, Covent Garden, London WC2H 9JQ