By browsing and using this Website you agree to comply with and be bound by the following terms and conditions of use, which together with our Privacy Policy govern Clever Lending’s relationship with you in relation to this Website. If you disagree with these Terms & Conditions of Use or any part of these Terms & Conditions of Use, please do not access or use this Website.

The term “Clever Lending” or “us” or “we” refers to the owner of the Website. The term “you” refers to the user or viewer of our Website.

The Clever Lending Website is operated by Financial Makeover Limited (referred to in the remainder of these Terms & Conditions as ‘Clever Lending’) whose registered address is:

Kempton House Kempton Way
Dysart Road
NG31 7LE

Financial Makeover Limited’s Registered Company Number in England & Wales is 6111701.

The aim of this Website is to provide accurate information and give you access to the information and services that Clever Lending provides.

The use of this Website is subject to the following terms of use.

Clever Lending grants visitors to this Website a license to use it in the following ways:

  • You may view, download specific documents made available for downloading by the Website’s owner, and print pages from the Website for your own personal (non-commercial) use, subject to the restrictions set elsewhere in these Terms & Conditions of Use
  • The licence to use this Website can be terminated at any time without notice

You must NOT use this Website in the following ways:

  • Any way that causes, or could cause damage to the Website or disable the availability and accessibility of the Website, or in any other way which is unlawful, fraudulent, illegal or harmful.

Whilst Clever Lending makes every effort to prevent the intrusion of viruses, worms or any other infectious programming code that could damage or corrupt files on your computer, because the Internet is not a stable medium, Clever Lending cannot be held responsible and will not accept liability for occurrences resulting from the intrusion of viruses, worms or any other infectious programming code that could damage and corrupt files on your computer. Therefore, by using the Clever Lending Website, you, the user of the Website, assume full responsibility for protecting against such occurrences.

Content may be updated or changed from time to time, without prior notice.

Intellectual Property

All content included on the Website, unless uploaded by Users, including, but not limited to, text, graphics, logos, icons, images, sound clips, video clips, data compilations, page layout, underlying code and software is the property of Clever Lending, our affiliates or other relevant third parties. By continuing to use the Website you acknowledge that such material is protected by applicable United Kingdom and International intellectual property and other relevant laws.

The content on this Website is provided for personal (non-commercial) use only. You may not reproduce, copy, distribute, store or in any other fashion re-use material from the Website unless otherwise indicated on the Website or unless given express written permission to do so by Clever Lending.


Clever Lending uses reasonable care to ensure that the information appearing on this Website is up to date and accurate. Whilst Clever Lending takes precautions to prevent the occurrence of errors and omissions, the user of this Website should not take the accuracy of the information for granted. None of the material contained in this Website is to be relied upon as a statement or representation of fact. Clever Lending does not accept liability or responsibility and it gives no warranty as to the accuracy of this information. You acknowledge that such information and materials may contain inaccuracies or errors, and we expressly exclude liability for any such inaccuracies or errors to the fullest extent permitted by law.

Under no circumstances will Clever Lending or its employees accept liability for any decision made or action undertaken as part of reliance to the information contained on this Website. Your use of any information or materials on this Website is entirely at your own risk. It shall be your own responsibility to ensure that any products, services or information available through this Website meet your specific requirements.

Links to and from other websites

From time to time this Website may also include links to other websites. These links are provided for your convenience to provide further information. It is not possible for us to review the content of all websites to which this Website links and we cannot be held liable for their content. Clever Lending does not endorse the content of any websites to which is linked, and users of this Website link to other websites at their own risk. Anyone wishing to link to and all subsequent Website pages hosted at this Uniform Resource Locator (URL) must remove the link if requested to do so by Clever Lending.You may not create a link to this website from another website or document without Clever Lending’s prior written consent.


We shall not be liable to you for any loss or damage which you may suffer as a result of using this Service, except where such loss or damage was caused by negligence, wilful default or fraud by us or our employees.

You shall be liable to us for any loss suffered by us as a result of any breach of these Terms & Conditions by you, or any fraudulent use of the Service by you. Where alleged fraud has occurred on your Account that forms part of the Service, you will be required to co-operate with the Police in any investigation.

You acknowledge that, due to the nature of the Internet and electronic communication, there is a risk that communications may not operate free from error or interruption.

We shall not be liable:

  • In the event of any error or interruption in communications; or
  • For any losses or delays in the transmission of instructions to the Service caused by any Internet Service Provider or by software failure; or
  • For any breaches of security of the Service beyond our reasonable control; or
  • For any indirect or consequential loss you may suffer as a result of using the Internet to access the Service.

Call and message recording

Telephone calls and electronic messages to us may be monitored and recorded for security purposes and to maintain and improve our Service.

Use of the Service

A requirement of the Service is that you provide us with contact telephone number and an optional e-mail address. If these contact details are owned by a third party, permission has to be sought by that party before your use of them. By providing these contact details you are confirming your authorisation for us to communicate through these channels.

The Service may only be used by persons aged 18 years or over.

You will need access to the Internet to use the Service and you will be responsible for any telephone costs and/or charges made by any Internet Service Provider. We make no guarantees as to the speed, resolution or access to the Service via the Internet.

No Waiver

In the event that any party to these Terms & Conditions fails to exercise any right or remedy contained herein, this shall not be construed as a waiver of that right or remedy.

Law and Jurisdiction

These Terms & Conditions, and the relationship between you and Clever Lending, shall be governed by and construed in accordance with the Law of England and Wales, and Reach Financial Services and you agree to submit to the exclusive jurisdiction of the Courts of England and Wales.


The fair treatment of our clients is central to how Clever Lending operates as a business. We aim to deliver a high standard service, and in doing so, we respect your opinions and appreciate your feedback.

If you want to make a complaint about Clever Lending, please call us on 0800 316 2224 or complete and submit our online enquiry form. Alternatively, you can write to us at:

Clever Lending
Kempton House
Dysart Road
NG31 7LE

If you are a consumer, we will acknowledge receipt of your complaint within 5 working days and we will try to resolve your complaint as quickly as possible.

We will, by the end of 8 weeks send you a final response. If we are unable to provide a final response within that time, however, we will write to you and advise you as to when we expect to be able to provide a final response.

If you are not satisfied with our response or any delay and you are a consumer, you may be eligible to refer your complaint to the Financial Ombudsman Service. The Financial Ombudsman Service provides a free and impartial service designed to resolve problems between consumers and financial businesses. We will give you their details and a copy of an explanatory leaflet in our response to you. For more information, visit their website at