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Terms of Use

LAST UPDATED: January 2026

These Website Terms of Use (“Terms”) govern your access to and use of www.a1loans.co.uk (the “Website”).

By accessing or using this Website, you confirm that you have read, understood, and agree to be bound by these Terms. If you do not agree, you must not use the Website.

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This Website is operated by Avalon Financial Limited, a company incorporated in England and Wales (company number 16865484), trading as A1 Loans.

References to “A1 Loans”, “we”, “us” or “our” mean Avalon Financial Limited trading as A1 Loans.

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Purpose and Scope of the Website

The Website is provided free of charge for general information purposes.

The content on this Website is intended to describe the nature of our lending activities and the types of products and services we may offer. It does not constitute:

  • an offer, invitation, or commitment to lend;

  • a binding agreement;

  • financial, legal, tax, or investment advice; or

  • a recommendation to enter into any transaction.

All lending is subject to formal application, due diligence, internal approval, and legally binding documentation.

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No Reliance on Website Content

We take reasonable care to ensure that information on the Website is accurate at the time of publication. However, we do not guarantee that the content is complete, current, or free from errors.

You acknowledge that:

  • the Website content is provided for general information only;

  • it should not be relied upon when making financial, legal, or commercial decisions; and

  • you should obtain independent professional advice before entering into any transaction.

We do not warrant that your use of the Website will not infringe the rights of third parties.

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Geographic Use and Governing Law

The Website is designed for use primarily within the United Kingdom.

If you access the Website from outside the UK, you do so at your own risk and are responsible for complying with applicable local laws and regulations.

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These Terms, and any dispute or claim arising out of or in connection with them or your use of the Website, are governed by the laws of England and Wales. The courts of England and Wales shall have exclusive jurisdiction, without prejudice to our right to bring proceedings in another jurisdiction where permitted by law.

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Enquiries and Applications

Submitting an enquiry or application through the Website:

  • does not create a contract or obligation on us;

  • does not guarantee approval, funding, or specific terms; and

  • may be declined at our discretion without explanation.

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Acceptable Use

You may use the Website only for lawful purposes and in accordance with these Terms.

You must not:

  • use the Website in any way that breaches applicable laws or regulations;

  • submit false, misleading, offensive, or unlawful content;

  • attempt to gain unauthorised access to the Website, its servers, or connected systems;

  • interfere with, damage, or disrupt the operation or security of the Website; or

  • introduce malicious or harmful material, including viruses or other code intended to impair functionality.

We reserve the right to suspend or terminate your access immediately if we reasonably believe these Terms have been breached and to report serious misconduct to relevant authorities.

 

Availability and Technical Risk

We do not guarantee that the Website will always be available, uninterrupted, secure, or free from errors, bugs, or viruses.

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Access to the Website may be suspended, withdrawn, or restricted at any time without notice. You are responsible for ensuring your own systems, devices, and security software are suitable and protected.

 

Limitation of Liability

To the fullest extent permitted by law:

  • we exclude all liability for loss or damage arising from your use of, or inability to use, the Website or reliance on its content;

  • we are not liable for indirect, consequential, or economic loss, including loss of profits, business, revenue, goodwill, or opportunity.

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

Different terms and conditions will apply to any products or services provided by us and will be set out in separate contractual documentation.

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Intellectual Property

All intellectual property rights in the Website and its content (including text, graphics, logos, layout, and design) are owned by or licensed to Avalon Financial Limited.

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You may view, download, and print Website content for your personal or internal business use only. You must not copy, reproduce, modify, distribute, or exploit any part of the Website for commercial purposes without our prior written consent.

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If you breach these Terms, your right to use the Website will cease immediately.

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Third-party links

The Website may contain links to third-party websites. These links are provided for convenience only.

 

We do not control or endorse third-party websites and accept no responsibility for their content, availability, or practices. Any dealings with third parties are solely between you and the relevant third party.

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Data protection

Your use of the Website is subject to our Privacy Policy, which explains how we collect and process personal data.

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Changes to the Website and Terms

We may update the Website or these Terms at any time.

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The version published on the Website at the time of your use will apply. Continued use of the Website constitutes acceptance of any updated Terms.

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Contact

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

Email: info@a1loans.co.uk
Company: Avalon Financial Limited (trading as A1 Loans)

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Request a Call Back

enquiries@AFCredit.co.uk

AF Credit is a trading name of Avalon Financial Limited registered in England & Wales under Company Number:  16865484.

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© 2026 by AF Credit & Avalon Financial Limited.

 

Important Information - Please Read

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Any mortgage, loan, or debt facility (hereafter referred to as a “debt solution”) secured against property may be subject to repossession if repayments are not maintained.

 

All lending is subject to underwriting and is not guaranteed. Lending facilities may not be available to all applicants. All credit decisions are made solely at the discretion of AF Credit.

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Bridging loans are short-term finance solutions secured against property or other assets. These products carry a higher level of risk and are intended for borrowers who fully understand the obligations, costs, and risks associated with short-term borrowing.

 

Some bridging loans are not regulated by the Financial Conduct Authority (FCA), particularly where lending is for business or investment purposes. Unregulated lending does not benefit from the protections available under FCA-regulated products.

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AF Credit acts solely as a lender and does not provide independent financial advice or make recommendations to its clients.

 

Borrowers are responsible for obtaining their own professional, legal, tax, and financial advice before entering into any lending arrangement. Borrowers and introducers must provide all information requested honestly and must not mislead the lender. Any information that may affect the borrower’s ability to repay or comply with the loan agreement must be disclosed prior to completion.

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AF Credit is committed to Treating Customers Fairly and complies with all applicable Anti-Money Laundering (AML) and Know Your Customer (KYC) obligations.

 

All applicants are required to satisfy our due diligence and underwriting requirements. We reserve the right to request identification, proof of funds, and source of wealth documentation at any stage of the application process. AF Credit also reserves the right to decline any application at its sole discretion, without obligation to provide a reason.

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By proceeding with an application, the borrower confirms that they understand and accept the risks associated with secured and short-term lending. The borrower is solely responsible for ensuring the facility is suitable for their circumstances, affordable, and capable of being repaid in full within the agreed loan term.

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AF Credit operates a professional services-based business model with no reliance on high-risk labour supply chains and we take reasonable steps to ensure ethical business practices across our operations.

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© 2026 AF Credit | All Rights Reserved

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