Terms of Use

1. About Us

Albot.co.uk is a trading style of Albot, Inc., a company incorporated in Delaware, USA.

2. Our Services

Albot.co.uk provides an AI-powered platform that helps users explore their options for:

• Secured loans
• Mortgages and remortgages
• Bridging loans
• Life insurance, critical illness cover, and income protection

Our technology assesses your initial requirements and, where appropriate, introduces your application to Loan.co.uk Ltd for full advice and processing.

3. Important Information About Our Regulatory Status

All regulated financial services are provided by our parent company:

Loan.co.uk Ltd is authorised and regulated by the Financial Conduct Authority. Loan.co.uk Ltd is a credit broker and not a lender.

4. How We Work

When you use our website and services:

1. Initial Assessment: Our AI technology (Albot) collects information about your requirements through an interactive chat or form process.
2. Suitability Check: We assess whether your enquiry is suitable for introduction to Loan.co.uk Ltd based on basic eligibility criteria.
3. Introduction: If your application appears suitable, we introduce it to Loan.co.uk Ltd, who will provide regulated financial advice and process your application with appropriate lenders or insurers.
4. Advice and Completion: All financial advice, product recommendations, and application processing is handled by Loan.co.uk Ltd’s qualified advisers.

We do not make lending decisions, provide financial advice, or recommend specific products. These services are provided solely by Loan.co.uk Ltd.

5. Fees and Charges

Our Fees

Albot, Inc. does not charge you any fees directly for using our website or services.

Commission

When an application we introduce to Loan.co.uk Ltd results in a completed loan, mortgage, or insurance product, Loan.co.uk Ltd may receive a commission from the product provider. Albot, Inc. may receive a percentage of this commission from Loan.co.uk Ltd.

This arrangement does not affect the advice you receive or the products recommended to you. Loan.co.uk Ltd is required to recommend suitable products regardless of commission arrangements.

Lender and Insurer Fees

Lenders and insurers may charge their own fees for products. These will be disclosed to you by Loan.co.uk Ltd during the advice process. Any fees are subject to status and product.

6. How We Collect Your Information

We collect information through:

• Our website and AI chat interface
• Forms you complete on our platform
• Communications with us (email, telephone, chat)
• Your use of our website (technical data)

Information We May Collect

Personal Identification:

• Name and date of birth
• Email address and telephone numbers
• Home address and residential status

Financial Information:

• Employment status and income details
• Property information (value, mortgage balance)
• General information about existing debts
• Purpose of loan or mortgage

Technical Information:

• IP address and browser type
• Device information
• Pages visited and time spent on our website
• Referring website

7. How We Use Your Information

We use your information to:

• Provide our lead generation and assessment services
• Assess suitability for introduction to Loan.co.uk Ltd
• Transfer your application to Loan.co.uk Ltd for processing
• Improve our website and services
• Communicate with you about your enquiry
• Send marketing communications (with your consent)
• Comply with legal and regulatory requirements
• Prevent fraud and ensure security

Legal Basis for Processing

We process your data based on:

• Consent: When you submit your information through our platform
• Legitimate Interests: To provide and improve our services
• Legal Obligation: To comply with applicable laws

8. Sharing Your Information

We share your information with:

Loan.co.uk Ltd

Your primary information is shared with Loan.co.uk Ltd when we introduce your application for advice and processing. They will use this information to provide regulated financial services.

Service Providers

We may share data with trusted service providers who help us operate our business, including:

• Technology and hosting providers
• Analytics services
• Communication platforms

Legal Requirements

We may disclose information if required by law, court order, or regulatory authority.

International Transfers

As Albot, Inc. is incorporated in the USA, your data may be transferred to and processed in the United States. We implement appropriate safeguards to protect your data during such transfers.

9. Your Responsibilities

When using our services, you agree to:

• Provide accurate and truthful information
• Update us if your circumstances change
• Not use our services for any unlawful purpose
• Not attempt to interfere with or disrupt our systems
• Not impersonate any person or entity

Financial Disclosure

To ensure appropriate products are recommended, you should disclose any circumstances that may affect your ability to meet financial obligations, including but not limited to:

• Financial difficulties or money management issues
• Gambling problems or addiction issues
• Pending legal actions or judgments
• Bankruptcy or insolvency proceedings
• Employment instability
• Health conditions affecting your ability to work

10. Use of AI and Technology

Our services use Artificial Intelligence (AI) and automated systems to:

• Conduct initial conversations and gather your requirements
• Assess basic eligibility for products
• Provide information about loan, mortgage, and insurance options
• Improve our services and user experience

Recording of Communications

Conversations with our AI assistant may be recorded and stored for:

• Quality assurance and training purposes
• Improving our AI technology
• Compliance and record-keeping
• Transferring your requirements to Loan.co.uk Ltd

By using our chat services, you consent to such recording and storage.

11. Your Rights

Under applicable data protection laws, you have the right to:

• Access: Request a copy of the personal data we hold about you
• Rectification: Ask us to correct inaccurate data
• Erasure: Request deletion of your data in certain circumstances
• Restriction: Ask us to limit how we use your data
• Portability: Receive your data in a portable format
• Objection: Object to certain types of processing
• Withdraw Consent: Withdraw consent where processing is based on consent

To exercise any of these rights, please contact us using the details provided below.

Marketing Communications

You can opt out of marketing communications at any time by:

• Clicking the “unsubscribe” link in any marketing email
• Contacting us directly

12. Cookies and Tracking

Our website uses cookies and similar technologies to:

• Enable essential website functionality
• Remember your preferences
• Analyze website traffic and usage
• Deliver relevant advertising

You can manage your cookie preferences through your browser settings. Please note that disabling certain cookies may affect the functionality of our website.

13. Age Restrictions

Our services are only available to individuals aged 18 or over. This is because:

• Credit agreements require parties to be 18 or older
• Insurance contracts require policyholders to be adults

By using our website and services, you confirm that you are at least 18 years old.

14. Intellectual Property

All content on this website, including but not limited to:

• Text, graphics, logos, and images
• Software and code
• The Albot name, brand, and AI assistant
• Website design and layout

is the property of Albot, Inc. or its licensors and is protected by intellectual property laws. Unauthorized use, reproduction, or distribution is prohibited.

15. Limitation of Liability

While we strive to ensure our website and services are accurate and reliable:

• We do not guarantee that our website will be error-free or uninterrupted
• Information provided is for general guidance only and does not constitute financial advice
• We are not responsible for decisions made based on information from our AI assistant
• We are not liable for any losses arising from the use of our website or services, except where required by law

All financial advice and product recommendations are the responsibility of Loan.co.uk Ltd.

The actual APRC you are eligible for depends on your individual circumstances and product selected.

16. Complaints

If you are unhappy with any aspect of our service:

Complaints About Albot.co.uk Services

For complaints about our website, technology, or lead generation services, please contact us at the address below.

Complaints About Financial Advice

For complaints about financial advice, product recommendations, or the handling of your application, please contact Loan.co.uk Ltd directly:

If you remain unsatisfied with Loan.co.uk Ltd’s response regarding regulated financial services, you may refer your complaint to:

For data protection complaints, you may contact:

17. Changes to These Terms

We may update these Terms of Use from time to time. Changes will be posted on this page with an updated version number and date. We encourage you to review these terms periodically.

Continued use of our website and services after changes are posted constitutes acceptance of the revised terms.

18. Contact Us

If you have any questions about these Terms of Use or our services, please contact us:

19. Governing Law

These Terms of Use are governed by and construed in accordance with the laws of England and Wales for users accessing our services from the United Kingdom. For users outside the UK, the laws of the State of Delaware, USA may apply.

Any disputes arising from or related to the use of our website or services will be subject to the appropriate jurisdiction based on your location.

© 2026 Albot, Inc. All Rights Reserved.
Albot.co.uk is a trading style of Albot, Inc.