Website Terms & Conditions

1. About Money Trumpet

Money Trumpet is operated by Stork Finance Limited, a company registered in England and Wales under company number 11963854. Money Trumpet’s operating address is 1st floor, 5 Mile End Rd, Bethnal Green, London E1 4TP.

Stork Finance Limited is authorised and regulated by the Financial Conduct Authority under Firm Reference Number 1018154. FCA regulation does not mean that every product or service referred to on this website is regulated.

2. Accepting these terms

By using this website, you agree to these terms. If you do not agree, please stop using it. You may save or print a copy for future reference.

You must also comply with any reasonable instructions or additional notices shown in a particular part of the website. Our Privacy Policy explains how we handle personal information, and our Cookie Policy explains our use of cookies and similar technologies.

3. What our service does

Money Trumpet provides information about borrowing options and a referral service. When you submit an application, Money Trumpet passes the information you provide to a lender or another credit broker suited to your requirements for consideration.

4. Applications and referrals

Submitting information to Money Trumpet is a request to be considered for a referral. It is not an application directly to every lender, an offer of credit, an approval or a credit agreement.

We may introduce you to one or more lenders or other brokers available through our service. We do not claim to search the whole market or to act as an independent broker. The organisations available, their criteria and the routes used to pass information may change.

After a referral, the lender or broker will contact you directly. Its own terms and privacy information will apply to its checks and any later relationship. Money Trumpet cannot control or influence that company’s decision.

5. Who may use the application service

Unless a particular page states otherwise, applicants must be at least 18 years old and permanent residents of the United Kingdom. You must provide information about yourself, not impersonate another person, and have authority to provide any information relating to somebody else.

You are responsible for ensuring that information you submit is complete, current and accurate. Incorrect or incomplete information may delay or prevent a referral or affect the lender’s or broker’s decision.

6. Fees and commission

Money Trumpet does not charge customers a fee for using its credit-broking service. We may receive a commission from a lender or another broker if you enter into a consumer credit agreement following an introduction through this website.

Commission arrangements may differ between lenders and brokers and could affect the introduction made. Any further disclosure required for a particular referral must be provided before you are bound by an agreement.

7. Information about loans and borrowing

We aim to keep website information clear and up to date, but information may be general, illustrative or based on details supplied by third parties. Product availability, eligibility, amounts, terms, rates, fees and acceptance criteria can change.

A representative example or APR is an illustration required in specified circumstances; it is not a personal quote or a guarantee of the rate you will receive. Your actual terms, if any, will be set out by the lender.

You should consider whether borrowing is appropriate for your circumstances and whether repayments would be affordable. Late or missed repayment can cause serious money problems and may affect your credit record. Independent guidance is available from MoneyHelper.

8. Commercial mortgage enquiries

The commercial mortgage enquiry route collects initial information for onward referral only. Money Trumpet does not assess the proposal, value a property, arrange legal work or provide tax, legal, valuation or investment advice.

Some commercial lending and mortgage activity may not be regulated by the FCA and may not carry the protections that apply to regulated consumer credit. The lender or broker should explain the status of the proposed product and the protections that apply before you proceed.

9. Acceptable use

You must use the website lawfully and responsibly. You must not:

• submit information that is false, misleading, fraudulent or belongs to another person without authority;
• attempt to gain unauthorised access to the website, hosting, accounts or data;
• introduce malicious code, scrape the website in a way that disrupts it, or overload its infrastructure;
• use the website to infringe another person's rights or break any law; or
• copy, alter or commercially exploit website content except as permitted by law or with our written permission.

We may restrict or block access where reasonably necessary to protect the website, its users or other organisations.

10. Third-party websites, lenders and brokers

This website may link to independent websites or refer you to independent organisations. Links are provided for information or to support the service; they do not mean that we control or endorse every statement, product or practice on the external site.

We are not responsible for maintaining third-party websites. You should review their terms, privacy information, regulatory status and product documents before giving information or entering into an agreement.

11. Website availability and security

We take reasonable steps to operate and protect the website, but internet services can be interrupted, delayed or affected by events outside our control. We do not promise that every page or feature will always be available, error-free or compatible with every device.

We may suspend, withdraw or change all or part of the website for maintenance, security, legal or operational reasons. You are responsible for using suitable device security and for checking that communications genuinely come from the organisation they claim to represent.

12. Our responsibility to you

Nothing in these terms excludes or limits responsibility where doing so would be unlawful, including liability for death or personal injury caused by negligence, fraud or fraudulent misrepresentation, or your statutory rights.

We are responsible for foreseeable loss or damage caused by our breach of these terms or failure to use reasonable care. We are not responsible for loss that was not foreseeable, for loss caused by information you supplied incorrectly, or for the independent acts, decisions, products or contracts of a lender, broker or other third party.

If you use the website for business purposes, we are not responsible for loss of profit, revenue, business opportunity, anticipated savings, goodwill or indirect business loss, except where the law does not allow that exclusion.

13. Intellectual property

Unless stated otherwise, the website's design, text, branding, graphics and other original content belong to Stork Finance Limited or are used with permission. You may view pages and make a reasonable personal copy for your own non-commercial use.

You must not reproduce, republish, sell, license or create a commercial service from the website's content without prior written permission, except where the law allows.

14. Personal information

Our Privacy Policy explains what personal information we collect, why we use it, who may receive it, how long it may be kept and the rights available to you.

Money Trumpet handles and shares application information as described in the Privacy Policy and any collection notice shown with the relevant form.

15. Changes, transfer and applicable law

We may update these terms when the website, service, law or regulatory requirements change. The review date at the top will be updated when a material change is published. The terms that apply are those in force when you use the website.

We may transfer our rights and responsibilities under these terms to another organisation where legally permitted. If a transfer could materially affect you, we will take reasonable steps to notify you.

These terms are governed by the law of England and Wales. If you are a consumer, you may also benefit from mandatory protections and may bring proceedings in the courts available to you under applicable UK law. If you use the website for business purposes, the courts of England and Wales will have exclusive jurisdiction.