Terms & Conditions

Below is a summary of some key terms of these Terms and Conditions. This summary is for your reference only and does not form part of the Terms and Conditions.

In these Terms & Conditions:

Service means any service that we display on our site;

Site means any mobile applications or other similar devices, channels, or applications operated by us, and;

You and your means any person who accesses and uses the site.

For the purposes of these Terms and Conditions, reference to "we", "us", "our" or "Site" refers to MediMoney is a trading name of Carefin Solutions Limited, FRN.1039481 and is an Appointed Representative of Citrus Compliance. Citrus Compliance is a trading name of Andrew Smith, who is authorised and regulated by the Financial Conduct Authority FRN. 826675

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 in the Site.

If you have any questions about these Terms and Conditions, or would like to contact us for any other reason, you can reach us:

By phone: 0330 551 9949

By email: hello@medimoney.co.uk

By post: Carefin Solutions Limited trading as MediMoney, 5th Floor, 1 Capital Quarter, Tyndall Street, Cardiff CF10 4BZ

As a credit broker, we provide an online service that allows you to apply for a loan with our lender.

You may access our service in the following ways:

In order for us to provide our Service as a credit broker, you will need to complete the online application providing us with information about you and your financial circumstances.

With your explicit consent, our lender, whose name we will share as part of the request for your consent, will undertake a soft credit search with their credit reference agency. This is for the purpose of validating your identity, assessing your eligibility for the loan and preventing fraud. This soft search will be recorded on your credit history, but is not visible to other credit providers and will not impact your credit score.

If you don't want our lender to undertake a soft credit search you should stop using our Site immediately and not proceed with your application.

We have no control over our lender regarding the acceptance of an application as this is subject to their underwriting criteria related to your financial circumstances.

There could be circumstances where our lender offers you a loan with a higher or lower amount than you initially applied for on the application form. This could result in you being displayed an outcome that is different to the amount you originally applied for. It is important that you consider the impact of this when deciding to go ahead with the loan.

Unless stated otherwise we and our lender may contact you via means of telephone, SMS and /or email to provide information and alerts relating to your application and or services we think may be of interest to you.

Soft opt-in is an exception to the general requirement to obtain consent before sending direct marketing to you by electronic means (such as email or text message for example) and applies where you have previously engaged with us (for example by submitting your contact details on our website to make an enquiry about Our Service), and we are marketing our similar products and services. Under the 'soft opt-in', we will assume you still want to hear about our other related products and services until you opt-out or unsubscribe. For most customers, this is beneficial as it allows us to tell you about our other similar products and services that we think would be useful to you alongside the specific one you originally expressed an interest in.

You can opt out of any contact from us at any time by clicking on the links with the SMS/email or emailing hello@medimoney.co.uk.

Where you have applied using our website and our lender has accepted your application and you have decided to proceed with the credit agreement they have offered, then we will receive a commission.

All Intellectual Property Rights (including, without limitation, all database rights, rights in designs, rights in know-how, patents and rights in inventions (in all cases whether registered or unregistered and including all rights to apply for registration) and all other intellectual or industrial property rights in any jurisdiction) in any information, content, materials, data or processes contained in or to this Website belong to Carefin Solutions Limited.

All rights of Carefin Solutions Limited trading as MediMoney who is an Appointed Representative of Citrus Compliance Ltd in such Intellectual Property Rights are hereby reserved.

You may print off a copy, and may download extracts, of any page(s) from the Website for your personal use.

You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text.

Links contained within our Privacy Policy on our Site are provided for information only. If you click the links, you will be leaving our Site and we are not responsible for their content or the terms and conditions governing such sites.

When visiting these Sites please ensure you read carefully and refer to the terms and conditions and privacy policy when using their Sites.

We subscribe to the latest in internet security standards so you can use our service with confidence online. You can rest assured that the information you supply is encrypted and cannot be read by anyone else.

The Website and form is controlled and operated in the United Kingdom. These Terms and any non-contractual obligations arising out of or in connection with these Terms will be governed by the laws of England and Wales and you irrevocably agree to submit to the exclusive jurisdiction of the English courts.

To the extent permitted by law, we exclude all conditions, warranties, representations, or other Terms which may apply to the Website or any content on it, whether express or implied.

We cannot guarantee that our lender will authorise any particular loan application. This may be as a result, directly or indirectly, of a systems problem, issues which are unforeseeable or outside of our control or that of our lender , or because information has been provided incorrectly.

We shall not be liable for any loss you may suffer unless we have been negligent or not acted in accordance with these Terms and Conditions or unless otherwise required by UK law. In the event that you do not use this form with reasonable care and in accordance with these terms and conditions or we discover or are notified that you are using this form fraudulently, we and our lender reserve the right to charge you for any reasonable costs that we may incur in taking action to stop you using the form and recover any monies owed as a result of your activities.

You have certain rights under the General Data Protection Regulations. For example, we will always let you have a copy of the personal information we hold about you, if you request it from us in writing.

Right to be informed when we collect your data, we have to tell you what we are going to do with it primarily through our Privacy Policy and within the Opt-Out Policy.

Right to Object – because you have asked us to help you find a financial product or service, we need to process the personal information you give us to enable us to obtain details of suitable loan products from our lender. You can object to this processing at any time by sending us an email. We will action any request you make promptly, although this will mean that we will not be able to help you find the financial product or service that you asked us to search for.

Right of Access – you can ask us at any time to confirm whether we hold your personal information, and if so, you can access it by emailing hello@medimoney.co.uk

Right to rectification – if we hold personal information about you that is inaccurate, you can ask us to correct it, and we will do this as quickly as possible.

Right to erasure – if it is no longer necessary for us to hold your personal information bearing in mind the reason why you provided it to us, you can ask us to delete it. If you ask us to do this, we will delete your personal information as soon as possible although this will mean that we may not be able to help you find the financial product or service that you asked us to search for.

Right to restrict our use of your information – you can ask us to restrict our processing of your personal information if you think for example that the personal information you gave us is inaccurate. This may mean that we may not be able to help you find the financial product or service that you asked us to search for.

Right to data portability – this gives you the right to ask a holder of your information to transfer that information to another business. This right would most commonly be used if you were switching banks, insurance companies and utility companies.

Right related to automated decision-making including profiling – You have a right to object to automated decision-making, to express your point of view, ask for human intervention, and to be provided with an explanation of the decision with your option to challenge it. You can request this by emailing us at hello@medimoney.co.uk

Right to complain to the Information Commissioner's Office (ICO) – we will try to resolve any complaint that you may have in relation to data protection issues. If you are not happy with our final response you have the right to have your complaint dealt with by the ICO. Please refer to our Complaints Policy.

To make enquiries and/or exercise any of your rights set out in this Privacy Policy please contact hello@medimoney.co.uk

Delivering excellent service to our customers is our number one priority. However, we do recognise that things may occasionally go wrong, and you may feel you have cause to complain. We take customer complaints seriously and will work to address and resolve any issues promptly.

You can raise a complaint with us by email, phone or letter using the following contact information

By phone: 0330 551 9949

By email: complaints@carefinsolutions.co.uk

By post: Carefin Solutions Limited trading as MediMoney, 5th Floor, 1 Capital Quarter, Tyndall Street, Cardiff CF10 4BZ

When and how you will hear from us

If we can resolve your complaint within 3 working days, we will send you written confirmation of this in the form of a summary resolution letter.

If we decide that you are not an eligible complainant, we will advise you of this promptly. This may be because your complaint is time barred, which means the event happened more than six years ago, or it is more than three years since you should reasonably have been aware you had cause for complaint.

Where we cannot resolve your complaint within three working days, and if your complaint is regarding a regulated consumer credit agreement and the way you were sold the finance, we will send you a written acknowledgement so that you know we have received your complaint, but please be aware that as an appointed representative we will forward your complaint to the principal firm Citrus Compliance, who will handle and manage your complaint directly and in accordance with FCA regulations .

Citrus Compliance will send you a final response within eight weeks. The final response will:

Regulated activity complaints

The Principal Firm Citrus Compliance can be contacted using the following methods:

By phone: 0800 688 9934

By email: admin@citruscompliance.co.uk

By post: Citrus Compliance, Watermoor Point, Watermoor Road, Cirencester, GL7 1LF

We may share your information with our principle firm Citrus Compliance for regulated complaints handling and compliance monitoring and analysis.

If you are not satisfied with our response, you must send your complaint to the Financial Ombudsman Service within six months of the date of our final response. Contact details for the Financial Ombudsman Service are as follows:

Financial Ombudsman Service
Exchange Tower
London
E14 9SR

Telephone: 0800 023 4567 (free for most people calling from a landline) / 0300 123 9123 (cheaper for those calling from a mobile) or +44 (0)20 7964 0500 (if calling from abroad)

Web site: www.financial-ombudsman.org.uk

Email: complaint.info@financial-ombudsman.org.uk

You can report any of your concerns to the Information Commissioner's Office (ICO)

Information Commissioner's Office
Wycliffe House
Water Lane
Wilmslow
Cheshire
SK9 5AF
Tel: 0303 123 1113 (local rate) or 01625 545 745 if you prefer to use a national rate number
Fax: 01625 524 510

Last updated: 9th September 2025

Reference: TCv409092025