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Lending Stream LLC(trading as Drafty)("Drafty","we", "us" "our") provides access to its website at www.drafty.co.uk ("Website") to users ("you", "your") for their personal use. Please read the following terms of use ("Terms of Use") carefully before using this Website.

All users of this Website (whether or not you choose to apply for, or use our services) agree that access to and use of this Website, and all communication between us and you, are subject to these Terms of Use.

YOUR ACCESS TO OR USE OF THE WEBSITE OR OF ANY INTERNAL OR EXTERNAL LINKS TO OR FROM OUR WEBSITE, CONSTITUTES ACCEPTANCE OF THE TERMS ON THIS PAGE. IF YOU DO NOT AGREE TO THESE TERMS OF USE OR OUR PRIVACY POLICY, PLEASE DO NOT USE THIS WEBSITE.

Access to our Website

We will endeavour to ensure that the Website is available at all times. However, we reserve the right to withdraw or amend the service we provide without notice for any reason, for example, it may be necessary to suspend the service to carry out maintenance.  Furthermore access to the Website may be interrupted by circumstances beyond our control. We will not be liable if for any reason our Website is unavailable at any time for any period.

Use of Website

You are prohibited from using this Website to post or transmit any material that is inaccurate (where such material states a fact), unlawful, threatening, libellous, defamatory, obscene, scandalous, offensive, inflammatory, pornographic, discriminatory, profane or liable to incite racial hatred, any material that infringes the rights of any third party (including but not limited to any copyright, trademark or other proprietary right) or any material that could constitute or encourage unlawful conduct or for which you have not obtained all necessary licences and/or approvals. While we are under no obligation to oversee, monitor or moderate any interactive service we provide on our Website, we may, from time to time, review material transmitted or posted using this Website and reserve the right to delete any material that does not comply with these Terms of Use or which we deem inappropriate for any reason, at our sole discretion.

When you access or use our Website, you must not upload or send material that is technically harmful (including without limitation, computer viruses, logic bombs, Trojan horses, worms, harmful components, corrupted data or other malicious software or harmful data) and you agree not to misuse the Website (including, without limitation, by hacking).

The services and products that we provide on the Website are intended for UK residents over the age of 18 only, and information contained on the Website does not amount to an invitation to customers who are under 18 or who are outside of the UK to buy any services or products.

Blog

All comments submitted by you to be posted on Drafty's blog are subject to our prior approval. You acknowledge and agree that all comments or other material posted on Lending Stream’s blog will be considered non-confidential and non-proprietary and will become and remain our exclusive property, even if the provisions of these Terms of Use are later modified or terminated.

You agree that Drafty and its designees will be free to copy, disclose, distribute, incorporate and otherwise use or delete such material and all data, images, sounds, text, and other things embodied therein for any and all commercial or non-commercial purposes. We also have the right to disclose your identity to any third party who is claiming that any material posted or uploaded by you to our Website constitutes a breach of their intellectual property rights, or of their rights to privacy. We will not be responsible, or liable to any third party, for the content or accuracy of any materials posted by you or any other user of the Website.

Links

We have no control over or endorse any of the websites linked to this Website and are not responsible for the content, accuracy, security or reliability of any websites or pages linked to this Website. Your linking to any websites from this Website is at your own risk and we shall not be responsible or liable for any damages resulting from or in connection with such links or websites.

You are not entitled (nor will you assist others) to set up links from other websites to this Website (whether by hypertext linking, deep-linking, framing, toggling or otherwise) without our prior written consent, which we may grant, withhold and withdraw at our absolute discretion.

Ownership of Intellectual Property

Unless otherwise stated the copyright and other intellectual property rights in the material published on the Website are owned by us or our licensors. All rights not expressly granted by these Terms of Use are reserved.

You may not copy material from this Website for commercial use but you may copy material in limited quantities for your personal non-commercial use. We reserve the right to terminate, at any time, your permission to make personal copies of material from this Website.

Nothing on this Website should be construed as a licence to use any trademarks displayed on this Website. Your use of such trademarks is strictly prohibited.

Disclaimer

Your use of this Website and material from this Website is at your own risk.

We will try to ensure that the information on the Website is correct and up-to-date but we make no warranties or representations about the accuracy and completeness of the content on the Website. In particular, commentary and other materials posted on our Website are not intended as advice and should not be relied on. We therefore disclaim all liability and responsibility arising from any reliance placed on such materials by you or anyone that may be informed of its contents.

This Website and the material provided on it are provided "as is" without any conditions, warranties or other terms of any kind. To the extent permitted by law, we, other members of our group of companies and third parties connected to us provide you with access to this Website on the basis that we exclude all conditions, warranties and other terms which might otherwise be implied by statute, common law or the law of equity.

Liability

We, other members of our group of companies and third parties connected to us exclude all liability and responsibility for any direct, incidental, consequential, indirect loss or damage incurred by you or any other user arising out of access to, use of, or inability to use this Website, any material from this Website or any websites linked to it or arising out of any communications sent to us over the internet, including without limitation, any liability for loss of income or revenue; loss of business; loss of profits or contracts; loss of anticipated savings; loss of data; loss of good will; wasted management or office time; loss or damage due to viruses that may affect your computer equipment; software or data; and for any other loss or damage of any kind, however arising and whether caused by tort (including negligence), breach of contract or otherwise, even if foreseeable.

This does not affect our liability for death or personal injury arising from our negligence (as such term is defined under the Unfair Contract Terms Act 1977), nor our liability for the tort of deceit or misrepresentation as to a fundamental matter, nor any other liability which cannot be excluded or limited under applicable law.

Modifications to the Terms of Use

We reserve the right to revise these Terms of Use at any time by amending this page. You are bound by any changes, deletions or additions we have made and you should check this page from time to time to take notice of any such amendments. Your continued use of the Website, following any changes to these Terms of Use, will mean you accept these changes.

Severed Provisions

If any provision of these Terms of Use is found to be unlawful, void or unenforceable, that provision shall be deemed severed from this agreement and shall not affect the validity and enforceability of the remaining provisions.

Jurisdiction and Governing law

These Terms of Use are governed by English law and the English Courts will have exclusive jurisdiction in respect of all disputes arising out of or in connection with these Terms.

Drafty is a credit line with a Representative 89.7% APR, and a maximum APR of 91.2%. If you draw £50 against your credit line at 89.7% APR, it would be paid off in 6 months for a total of £60. There are no additional fees. There is no minimum repayment period and no maximum repayment period as long as you continue to repay the minimum payment amount. We don't offer fixed loans under 60 days.