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Website Terms & Conditions and Privacy Policy

1. Introduction

1.1 website (“Site”) brand and logo  are trading styles of Orca Money Limited, Registered in Northern Ireland,  Company Number NI635108, Registered Address: 5th Floor, 10-20 Lombard Street, Belfast, BT1 1RD. This website usage agreement is between Orca Money  Limited ( and the user.

1.2 Use of this site constitutes agreement with the  following terms and conditions. These terms are governed by and interpreted in  line with English Law. Please read these carefully.

1.3 This site is intended for the use by citizens of the  United Kingdom. This site is not intended for distribution to, or use by, any  person in a country where such distribution or use would be contrary to local  laws or regulations.

2. Use of Content

2.1 Throughout our web site, trademarked names are  indicated. However, rather than repeatedly show the trademark symbol, we state  that we are using such names in an editorial context with no intention of  infringement of that trademark. Trademarked names, as always, remain the  property of their respective companies.

2.2 We, or our licensors, own the copyright and all other  intellectual property rights associated with the content save where otherwise  stated.

2.3 We cannot warrant that use of the site will not be  interrupted or unavailable due to any factors outside our control.

2.4 We are happy for you to download or print off copies of  the content of this site (other than any quotation details) for your personal,  non-commercial, use and information but, any copying or adaptation of the  content, layout or code of this site, or the creation of an archive or database  containing the content, for any business purpose or other commercial  exploitation, without our specific consent will constitute copyright  infringement.

2.5 If you do download or print off copies of the content  you must retain any copyright or other intellectual property notices contained  in the original material.

2.6 You may not copy, distribute or display the site or any  part of it to third parties. You may not link to or mirror any part of the  site. Any infringement of any intellectual property rights in this manner will  result in appropriate legal action.

2.7 Any rights not expressly granted in these terms are  reserved.

3. Changes

3.1 We are continually seeking to update and improve the  site. Therefore, we may make changes to any part of the site and these  conditions and you will be bound by changes to these conditions from the time  you next access the site.


4.1 You must ensure that any software downloaded from the  internet to your computer is suitable for use on your computer. This applies to  any software downloaded from this site so you must check all software loaded  from this site and ensure it is compatible with your computer.

5. Disclaimer

5.1 The information on this site is provided on an ‘as is’  and ‘as available’ basis.

We try to ensure, but do not guarantee or warrant, the  accuracy or completeness, availability or reliability of the information on our  web site. Our aim is to keep this information timely and accurate. If errors  are brought to our attention, we will try to correct them.

5.2 We exclude any warranty, express or implied, as to the  quality or fitness for a particular purpose of any of the content on this  site.

5.3 We reserve exclusive right at our sole discretion to  alter, limit or discontinue part of this site. Under no circumstances shall we  be liable for any loss, damage, liability or expense suffered which is claimed  to result from the use of this site, including without limitation, any fault, error,  omission, interruption or delay. Use of this site is at the user’s sole  risk.

5.4 We make every effort to minimise disruption caused by  technical errors. However, some data or information on our site may have been  created or structured in files or formats, which are not error-free, and we  cannot guarantee that our service will not be interrupted or otherwise affected  by such problems. We accept no responsibility with regards to such problems  (failure of performance, computer virus, communication line failure,  alternation of content, etc.) incurred as a result of using this site or any  link to external sites.

5.5 The materials on this site do not constitute financial  or other professional advice. You should consult an appropriate professional  for specific advice tailored to your situation.

5.6 Users specifically acknowledge and agree that we are not  liable for any conduct of any other user.

5.7 By accessing this site you agree that we will not be  liable to you or any third party for any errors or delays in the site or for  any actions taken in reliance on it. You also agree that, to the full extent  allowed by applicable law, we will not be liable for any direct, indirect or  consequential loss or any losses that were actually unforeseeable by us arising  from the access or use of the site or from your access or use of other material  on the internet via web links for this site. We do not seek to limit liability  in respect of fraudulent misrepresentation nor in respect of death or personal  injury directly caused by our negligence.

5.8 We reserve the right to deny at our sole discretion any  user access to this site or any portion thereof without notice. We have no  obligation to forward any unread or unsent messages to you or any third party.

5.9 Peer-to-Peer lending is not covered by the Financial  Services Compensation Scheme (FSCS). Consequently, your capital may be at risk  if a borrower fails to repay a loan that you have had assigned to you.

While we make every effort to ensure the accuracy and reliability  of our services, makes no warranties or guarantees as to their  suitability for any purposes.

The products compared on are not  representative of all the products available in the market. The product  information provided cannot be considered comprehensive and may not contain all  the features relevant to you. Use of terms like ‘best’ and ‘top’ are not  product ratings and are subject to our terms and conditions of use.

To keep the site free for use, gets paid by promoted  providers either by a Cost-Per-Click, Cost-Per-Application, or  Cost-Per-Account.

Privacy Policy

This privacy statement establishes how we handle the  information we learn about you when you visit our site. Protecting the privacy  and personal data of our visitors is of utmost importance to us.


This privacy policy only covers our web site and does not  extend to other web sites accessed from this site. We are not responsible for  the privacy policies or the content on third party web sites.

Data Protection

All personal details submitted to us will be held in  accordance with our responsibilities under the Data Protection Act 1998 (the  Act) that applies in the UK.

The principle purpose of collecting personal data from you  via this web site is to provide information or services specifically requested  by you. When you complete our online enquiry form, we ask for your contact  details and other selected information so that we can deal with your request as  efficiently and effectively as possible.

The Act allows you to find out what information we hold  about you in return for a small fee. This is known as a subject access request.  Before sending you any personal data, we will ask you to provide proof of your  identity. If you are not able to provide proof of your identity, we reserve the  right to refuse to send you personal data. You can obtain further information  about data protection laws by visiting the Information Commissioner’s web site  at you can search for our Data Protection  Notification there, should you wish to do so.

We may on occasions wish to use personal information  supplied by you when you registered with us, contacted us, requested brochures  or provided personal information from other services accessed from us, to  inform you of new services, products and promotions which we think maybe of  interest to you. If you do not wish to receive any further information from us,  you may inform us of this by email at the following address or by letter at the following address 10-20 Lombard Street, Belfast, BT1 1RD.


Disclosing personal information

We may disclose your personal information to  [any of our employees, officers, insurers, professional advisers, agents,  suppliers or subcontractors] insofar as reasonably necessary for the purposes  of the services requested by the user and set out in this policy.

We may disclose your personal information:

(a) to  the extent that we are required to do so by law;

(b) in  connection with any ongoing or prospective legal proceedings;

(c) in  order to establish, exercise or defend our legal rights (including providing  information to others for the purposes of fraud prevention and reducing credit  risk);

(d) [to  the purchaser (or prospective purchaser) of any business or asset that we are  (or are contemplating) selling]; and

Except as provided in this policy, we will  not provide your personal information to third parties.

We intend to protect the quality and integrity of your  personal information. We have security measures in place to protect your data  and access to this data is under strict guidelines. We protect data against any  unauthorised access to its web site access details, log off/exit from site when  not using it and keep passwords secret.

We have implemented technologies and security policies such  as SSL (Secure Socket Layer) which is a way to transfer sensitive data securely  using 128-bit encryption. This makes it safe from monitoring and manipulation  attempts. It protects stored personal data of our users from unauthorised  access, improper use, alteration, unlawful or accidental destruction and  accidental loss. Employees and processors who have access to personal data are  obliged to respect the privacy of our visitors and the confidentiality of their  personal data.

Please note that although we take reasonable steps to  protect data, open emails are not secure and third parties may be able to  intercept access or alter any information, you send by email. We are not  responsible for and cannot accept any liability for any damage resulting from  email messages sent to or received by us.
Notification of changes

There may be a need to amend this privacy statement and these  will be highlighted on the web site home page.

If at any time you believe we have not complied with these  principles, please notify us by email to and we will  investigate your concerns and take all reasonable steps to resolve the matter  promptly.

Cookie Policy

What is a  Cookie?

Cookies are  very small text files that are stored on your computer when you visit some  websites.

We use  cookies to help identify your computer so we can tailor your user experience.

You can  disable any cookies already stored on your computer, but these may stop our  website from functioning properly.

You can find  out more about cookies by visiting:
Cookies we use:

Help us measure how the site is doing with “performance  cookies”. These can tell us what pages are popular and help to identify  parts of the site that are not working correctly.

Google cookies

We use Google Analytics to analyse the use of the site.  Google Analytics generates statistical and other information about website use  by means of cookies, which are stored on users’ computers. The information  generated relating to our website is used to create reports about the use of  the website. Google will store and use this information. Google’s privacy  policy is available at:


We use Mouseflow to analyse traffic on the site in order to  understand our customers’ needs. Mouseflow

collects only anonymous, aggregate statistics and does not  tie a specific visit to a specific visitor.

Our details

This website is owned and operated by Orca Money Limited.

We are registered in Northern Ireland under registration number NI635108 and our registered office is at 5th Floor, 10-20 Lombard Street, Belfast, BT1 1RD.

Our principal place of business is at 5th Floor, 10-20 Lombard Street, Belfast, BT1 1RD.

You can contact us:

(a) [by post, using the postal address [given above]];

(b) [by telephone, on [the contact number published on our website from time to time]]; or

(c) [by email, using [the email address published on our website from time to time]].