Guarantor Loan – Terms of Use

Please read the following carefully.

Telephone calls

If you call us or if we call you by telephone, the call may be recorded for monitoring, staff training and compliance purposes.

Privacy Policy

The products and services featured on this Website are intended only for residents of the United Kingdom who are 18 and over and are subject to status.

By accessing and using this website you are agreeing to our Terms of Use, our Privacy Policy and Cookie Policy


This website is owned and provided by Guarantoe Loan, which is a trading name of Joel Malach.

References to “you” and “your” in these Terms of Use are to a person who accesses and or uses the Website.

References to “we” and “us” in these Terms of Use are to Guarantor Loan.

Joel Malach is a sole trader, whose trading address is Warwick House, 14 Lowes Road, Bury. BL9 6PJ.

Joel Malach is Authorised and regulated by the Financial Conduct Authority Reference No. 720851.

We are registered with the Information Commissioner’s Office. Our registration number is Z8904952.

Your agreement to the Terms of Use

Your access to, and use of, this Website is subject to these Terms of Use and to our Privacy Policy.

By accessing and using this Website you agree that these Terms of Use and our Privacy Policy apply to you and to your access to, and use of, this Website and that you will be bound by, and comply with, these Terms of Use and our Privacy Policy.

If you do not agree to these Terms of Use and our Privacy Policy you must stop using this Website immediately.

Changes to Terms of Use

We may change these Terms of Use at any time and will always post the current version on this Website.

If you continue to use this Website after a change to the Terms of Use you will be deemed to have agreed to the Terms of Use as changed. You are, therefore, advised to check this part of the Website regularly.

No advice

Nothing on this Website is, or is intended to be, financial advice.

You should always check the suitability, adequacy and appropriateness for you and your circumstances of any product that you select. It is for you alone to choose whether or not to proceed with an application for any loan or other product referred to on this Website.

We may add to, change or remove anything on this Website at any time and without giving notice to you.

Fees and Commission

We charge no fees or processing fees for our service.

Applications taken through this Website are forwarded to a Loan Lender. We may receive a commission for introducing you to them. The amount of commission payable is usually based upon a percentage of the amount you borrow and / or a flat rate per enquiry.

By signing the Lender's credit agreement, you give the Lender authority to pay your Us this amount.

The commission is not added to your loan account.

Other websites

We are not responsible for the content or operation of websites that are not run by us and your use of any website other than this Website (including websites that you may reach from this Website) will be governed by the terms and conditions of use and Privacy Policy applicable to that website. These are likely to be different to those that apply to this Website.

It is your responsibility to ensure that you understand and agree with the terms and conditions of use and Privacy Policy of any other website when you use that website.

You may link to this website from other websites. By creating a link, you agree to make good the cost of any damage or loss (including loss of reputation) that we suffer as a result.

Jurisdiction and applicable law

The English courts will have exclusive jurisdiction over any claim arising from, or related to, a visit to this Website.

These Terms of Use and any dispute or claim arising out of or in connection with them or their subject matter or formation (including non-contractual disputes or claims) will be governed by and construed in accordance with the law of England and Wales.

Notification of Changes

We may change our Terms of Use and Privacy Policy from time to time. This Website will always show the current version but we will only use information in accordance with the version in use when the information was collected.


To register a complaint, please visit our complaints page.