Welcome to realrates.com, a price comparison site which allows you to compare guaranteed real interest rates for loans in one place.
It’s important to us that you understand who we are and our service, so please read these terms and conditions. You need to understand that if you use our website you:
If you do not agree to these terms and conditions, please do not use our realrates.com service.
We are Dennico Limited and trade as realrates.com. Dennico Limited is based in Tattenhall, Cheshire. We are authorised and regulated by the Financial Conduct Authority (FRN 793530) as a credit broker. We host this website under our trading name, “realrates.com.” Our registered office address is Suite 6, Century House, High Street, Tattenhall, Cheshire, CH3 9PX. Our registered company number is 11034439. We are registered with the Information Commissioner's Office number ZA312574.Back to top
You are our customer, and we will deal directly with you. We will have no obligation with anyone other than you.Back to top
We reserve the right to amend these terms and conditions from time to time by amending this page. The amended terms and conditions will be effective from the date they are posted on our website.
By continuing to use the realrates.com website after changes are posted you are accepting our new terms and conditions.Back to top
We are a credit broker and provide an online loans comparison service. We work with a panel of lenders and brokers (Providers) who are regulated and authorised to offer loan products. When you use our realrates.com service, our personal loan Providers will give you an Acceptance Certainty Score and a guaranteed real rate of interest.
We do not charge you a fee for using our realrates.com service, however we do receive commission payments from our Providers if you enter into a loan agreement following an introduction through this website. Our Providers may charge you a fee.
Whether or not our Providers are able to offer you the product or service you are looking for, is their responsibility and will depend on factors such as their assessment of your eligibility and credit worthiness by taking into account your credit history.Back to top
Our website is for your personal use only and you must not use it in any unlawful or fraudulent manner. You should only use realrates.com service website if you are a UK resident and are over 18 years old.Back to top
We do not conduct credit checks on you however our Providers may do this when we share your quote request with them so that they can make an assessment of your eligibility for your loan product. An example of this is a ‘soft search’ that our Providers will carry out.
(Note: a ‘soft search’ or, as it is sometimes referred to, ‘quotation search’ is a search conducted by a lender with a credit reference agency, such as Experian, Equifax or Call Credit. This helps the lender to determine whether or not they are able to provide the product or service. Unlike a ‘hard’ credit search, a soft search is recorded on your credit file, but only you can see it, rather than any other finance provider. A ‘soft search’ does not impact your credit rating.
Credit checks and credit reference agencies can also help prevent fraudulent applications. When you make an application, you agree to our Providers using your personal information for the purpose of preventing fraud and to verify your identity. This data may be used by a Credit Reference Agency or Fraud Agency and these agencies may keep a record of your information.
You are responsible for ensuring that the information you provide is true and accurate. Misleading information will be regarded as a breach of our terms and is likely to breach any agreement you enter with our Providers. Furthermore, misleading information may also result in the instigation of criminal procedures against you.Back to top
We are the owner or the licensee of all intellectual property rights in our website, and in the material published on it. Those works are protected by copyright laws and treaties around the world. All such rights are reserved.
You must not:
Our status (and that of any identified contributors) as the authors of material on our website must always be acknowledged.
All rights in realrates.com are owned by us.Back to top
If you leave our website to complete the loan application on one of our Providers websites, it is very important that you read their terms and to make sure you understand and accept them.
Where our website contains links to other sites and resources provided by third parties, these links are provided for your information only. We have no control over the contents of those sites or resources and accept no responsibility for them or for any loss or damage that may arise from your use of them.Back to top
We aim to ensure that the material on realrates.com is accurate. We also try to correct any errors or omissions as soon as we become aware of them. However, we cannot guarantee that our website is accurate and error free always. We therefore reserve the right to amend any information displayed on realrates.com at any time.Back to top
The information on realrates.com is not intended to be construed as financial or other advice. It is provided to help you find the product or service that you consider is the most appropriate for your circumstances. If you think you need financial advice, you should contact a registered and qualified Independent Financial Adviser (IFA).Back to top
The material displayed on realrates.com is provided without any guarantees, conditions or warranties as to its accuracy. To the extent permitted by law, we and third parties connected to us hereby expressly exclude:
This does not affect our liability for death or personal injury arising from our negligence, nor our liability for fraudulent misrepresentation or misrepresentation as to a fundamental matter, nor any other liability which cannot be excluded or limited under applicable law including but not limited to the Financial Services and Markets Act 2000, as amended, ("FSMA") or any conduct of business rules developed pursuant to FSMA.Back to top
You must not misuse our website by knowingly introducing viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not attempt to gain unauthorised access to realrates.com, the server on which our website is stored, or any server, computer or database connected to our website. You must not attack our website via a denial-of-service attack or a distributed denial-of service attack.
By breaching this provision, you would commit a criminal offence under the Computer Misuse Act 1990. We will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use our website will cease immediately.
We will not be liable for any loss or damage caused by a distributed denial-of-service attack, viruses or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of our website or to your downloading of any material posted on it, or on any website linked to it.
You must not establish a link from any website that is not owned by you.
Our website must not be framed on any other site, nor may you create a link to any part of our website other than the home page. We reserve the right to withdraw linking permission without notice.
If you wish to make any use of material on our website other than that set out above, please contact us on our contact form by clicking here.Back to top
Delivering an excellent service to all our customers is important to us. If you feel that we have failed to achieve this or wish to make a formal complaint of any kind, please either write to:
Or complete a Contact us form by clicking here
We will respond quickly once your complaint is received and endeavour to resolve the issue. If your complaint isn’t resolved to your satisfaction, you may be able to refer to the Financial Ombudsman Service:
Financial Ombudsman Service,
These terms and conditions and your access to and use of realrates.com (including any dispute or claim arising out of or in connection with them), shall be governed by and interpreted in accordance with English law.
You agree to submit to the exclusive jurisdiction of the courts of England and Wales in connection with these terms and conditions and your access to and use of our website.Back to top
This agreement is in English and all communications between you and us will be in English.
If any provision of these terms and conditions is found to be unlawful, invalid or unenforceable, that provision shall be deemed deleted from these terms and conditions and shall not affect the validity or enforceability of the remaining terms and conditions.
No failure or delay by us in exercising any of our rights under these terms and conditions shall constitute a waiver of that right nor will any single or partial exercise by us of any right preclude any further exercise of any right.Back to top
If you have any questions about these terms and conditions, or would like to contact us for any other reason, our details are below:
realrates.com, Suite 6, Century House, High Street, Tattenhall, Cheshire, CH3 9PX
by clicking here to submit a contact form