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Card Wizard

The Card Wizard

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We can find you the card that will meet your needs. Even if you have had problems getting credit in the past, you never know, we may be able to help and you could have a decision in minutes...

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Benefits of using Card Wizard

How we work

The Card Wizard is a credit broker, working with a panel of UK credit providers on an exclusive basis to get you the YES that you want.

Starting with a quick 60 sec online application, we process your request real-time with a view to obtaining an "accepted" response within 30 secs. No fancy forms to fill in and an instant decision...

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Terms and conditions

Please read the details set out below carefully before using this website ("our Site"). By accessing our Site, you agree to accept and act in accordance with the following terms and conditions (the "Terms"). If you do not accept these Terms, please refrain from using our Site.


References to 'you', 'your' and 'yours' are references to the person(s) accessing our Site and the party/ies represented by such person(s).

References to 'we', 'us' and 'our' are references to Inter Financial Limited.




Information About Us


This Site (CardWizard.co.uk) is operated by Inter Financial Limited (a company incorporated and registered in Guernsey with registered number 47014) whose registered address is Mont Crevelt House, Bulwer Avenue, St Sampson, Guernsey GY2 4LH. We are also registered as a data controller with the Information Commissioner's Office in the United Kingdom under reference: Z3156268, and with the Guernsey Information Commissioner under reference 011875. All our products and services are subject to the terms and conditions of the applicable agreement governing their use.



Accessing Our Site


Access to our Site is permitted on a temporary basis and we reserve the right to withdraw or amend the service we provide on our Site without notice. From time to time we may restrict access to some parts of our Site, or our entire Site, to users who have registered with us.



Use of Information


Neither the information, nor any opinion contained in our Site constitutes an offer or recommendation to enter into any financial transaction. Before making any decision or taking any action that might affect your personal finances or business, you should always consult a suitably qualified professional advisor. The contents of any materials posted on this Site are for information purposes only and do not constitute investment, financial or professional advice and no reliance should be placed on them. Any figures shown on this Site are subject to change.



Our Site Changes Regularly


We are constantly changing and improving our services. We may add or remove functionalities or features and we may suspend or stop a service altogether. We aim to update our Site regularly and may change the content at any time. Any of the material on our Site may be out of date at any given time and we are under no obligation to update such material.



Our Liability


These provisions should be read carefully as they exclude or limit our legal liability in connection with your use of our Site. Nothing in these Terms shall exclude liability that is not permissible under applicable law, including without limitation, for death or personal injury, or for fraudulent misrepresentation. These Terms do not apply to or affect our liability to you in respect of any product or service you may obtain from us using our Site and our liability to you in respect of such product or service is governed by the relevant set of terms and conditions applicable to such product or service. Whilst we have taken reasonable steps to ensure the accuracy and completeness of the information contained in our Site we accept no responsibility for your use of or inability to use or the results of your use of our Site nor for any errors or omissions contained in our Site nor if our Site is unavailable for any time or any period. We provide the Site "as is". The use of our Site and the materials contained in it are entirely at your own risk.

We shall not be responsible for any direct or indirect:
financial losses (including without limitation loss of income, revenues, data, profits, contracts, use, opportunity, business or anticipated savings);
loss of goodwill or reputation;
any loss or damage we could not reasonably have expected to foresee or reasonably have expected to occur, which you may suffer and which arises out of or in connection with any errors or omissions contained in our Site or your use of or access to our Site or your inability to use or the results of your use of our Site.

We shall not be responsible for the accuracy, functionality or performance of any third party software that may be used in connection with our Site.



Third Party Websites


Links contained in our Site might lead to other websites not under our control, and we shall not be responsible for the content, privacy practices, availability or use which you make of any linked site which is not operated by us or any link contained in a linked site not operated by us. Links on our Site are provided to you only as a convenience and we do not endorse or review any pages linked to our Site. Accordingly, you should read the terms and conditions of linked websites before using them and direct any questions or comments about the linked website's contents to the relevant website provider. You are not entitled (nor will you assist others) to set up links from your own websites to our Site (whether by hypertext linking, deep-linking, framing, toggling or otherwise) without our prior written consent, which we may grant or withhold at our absolute discretion. You are also not entitled to direct link (also known as "Hot Link") any images or content without our prior written authorisation



Transmission of Information is at Your Risk


We cannot guarantee that the transmission of information or messages sent over the internet is completely secure as there is a possibility of interception at all times. Any transmission is at your own risk. We shall not be responsible for any loss, damages or costs whatsoever which you suffer or incur in connection with or arising out of any transmission of information or message sent by you to us or by us to you over the internet or the alteration, interception or misuse of such information. Once we have received your information or message we will use strict procedures and security features to try to prevent unauthorised access. It is your responsibility to keep security information, such as PIN numbers or passwords, secure at all times. We will never ask you for this information and you should not disclose it to any third parties. If you receive any email or other request for such information you should delete it immediately and should not respond. If you think you may have disclosed any security information you must advise us immediately.



Viruses, Hacking and Other Offences


You must not misuse our Site by knowingly introducing viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not attempt to gain unauthorised access to our Site, the server on which our Site is stored or any server, computer or database connected to our Site. You must not attack our Site via a denial-of-service attack or a distributed denial-of service attack. By breaching this provision, you would commit a criminal offence. We will report any such breach to the relevant law enforcement authorities and will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use our Site will cease immediately. We will not be responsible for any loss or damage caused by a distributed denial-of-service attack, viruses or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of our Site or to your downloading of any material posted on it, or on any website linked to it.



Intellectual Property


All copyright, trademarks, logos, brands and all other intellectual property rights in our Site and its content (including without limitation the pages, screens, information and material) and all software and source codes connected with our Site are owned by or licensed to Inter Financial Limited unless otherwise noted. You may print, copy, download or temporarily store extracts from our Site for your personal information or when you use our products and services. You must not alter anything. Any other use is prohibited unless you first get our written permission. You may not republish, retransmit, redistribute, sell, modify or deal in any way with or otherwise make such information or pages available to any other party or available on any website, on-line service or bulletin board of your own or of any other party or make the same available in hard copy or on any other media without our express prior written consent.

Other than as provided above you may not use or reproduce our trademarks, logos or brand names.



Governing Law and Disputes


These Terms and any dispute or claim arising out of or in connection with them or your use of our Site (including non-contractual disputes or claims) are governed by and interpreted in accordance with the laws of England. The English courts will have non-exclusive jurisdiction over any dispute or claim arising from or related to these Terms or your use of our Site (including non-contractual disputes or claims) provided always that you may bring any proceedings in your country of residence. Information about you and your visits to our Site

Please read our privacy policy page (link located at the bottom of the page) for information on how we collect and use your personal information.



Privacy Policy

Last updated: 05.03.2015
Inter Financial Limited (registered company in Guernsey 47014)("Inter Financial" and "we/us/our") is committed to ensuring that your information is used properly and is kept securely. We know that you care how information about you is used and shared and we appreciate your trust in us to do that carefully and sensibly. This notice describes our privacy policy and forms part of our website terms and conditions ('Website Terms').
By accepting our Website Terms or by visiting ('the Website') you are accepting and consenting to the practices described in this Privacy Policy.

The Website is brought to you by Inter Financial Limited. Inter Financial Limited believes it is important to protect your Personal Data (as defined in the Data Protection Act 1998) and we are committed to giving you a personalised service that meets your needs in a way that also protects your privacy. This policy explains how we may collect Personal Data about you. It also explains some of the security measures we take to protect your Personal Data, and tells you certain things we will do and not do. You should read this policy in conjunction with the Website Terms. When we first obtain Personal Data from you, or when you take a new service or product from us, we will give you the opportunity to tell us if you do or do not want to receive information from us about other services or products (as applicable). You can normally do this by ticking a box on an application form or contract. You may change your mind at any time by emailing us at the address below. Some of the Personal Data we hold about you may be 'sensitive personal data' within the meaning of the Data Protection Act 1998, for example, information about your health or ethnic origin.



Data Controller

Any information that you provide on this website is controlled by Inter Financial Limited which is registered as a data controller with the Information Commissioner's Office in the United Kingdom under reference: Z2730774. Inter Financial Ltdis a company registered in the Guernsey with company number 47014 and registered office at Mont Crevelt House, Bulwer Avenue, St. Sampson, Guernsey GY2 4LH.
Inter Financial Ltd is an online loans broker and is authorised and regulated by the Financial Conduct Authority IP reference number 625509.
If you have any queries about the information we hold about you, please contact us at contact@Inter-financial.co.uk or call us on 01227 647030.



1: Collecting Information

We may collect Personal Data about you from a number of sources, including the following:

  1. 1.1 From you when you apply for a loan through our websites or agree to take a service or product from us, in which case this may include your contact details, date of birth, how you will pay for the product or service and your bank details.
  2. 1.2 From you when you contact us with an enquiry or in response to a communication from us, in which case, this may tell us something about how you use our services.
  3. 1.3 From documents that are available to the public, such as the electoral register.


2: Using Your Personal Information

  1. 2.1 Personal Data about our consumers is an important part of our business and we shall only use your Personal Data for the following purposes and shall not keep such Personal Data longer than is necessary to fulfil these purposes:   
    1. 2.1.1 Match you with the service you have requested through our website.
    2. 2.1.2 To help us to identify you when you contact us.
    3. 2.1.3 To help us to identify accounts, services and/or products which you could have from us or selected partners from time to time. We may do this by automatic means using a scoring system, which uses the Personal Data you have provided and/or any information we hold about you and Personal Data from third party agencies (including credit reference agencies).
    4. 2.1.4 To help us to administer and to contact you about improved administration of any accounts, services and products we have provided before, do provide now or will or may provide in the future.
    5. 2.1.5 To allow us to carry out marketing analysis and consumer profiling (including with transactional information), conduct research, including creating statistical and testing information.
    6. 2.1.6 To help to prevent and detect fraud or loss.
    7. 2.1.7 To allow us to contact you in any way (including mail, email, telephone, visit, text or multimedia messages) about products and services offered by us and selected partners unless you have previously asked us not to do so.
    8. 2.1.8 We may monitor and record communications with you (including phone conversations and emails) for quality assurance and compliance.
    9. 2.1.9 We may check your details with fraud prevention agencies. If you provide false or inaccurate information and we suspect fraud, we will record this.
  2. 2.2 We will not disclose your Personal Data to any third party except in accordance with this Privacy Policy and where you have requested we share your information.
  3. 2.3 We may allow other people and organisations to use Personal Data we hold about you in the following circumstances:
    1. 2.3.1 If we, or substantially all of our assets, are acquired or are in the process of being acquired by a third party, in which case Personal Data held by us, about our consumers, will be one of the transferred assets.
    2. 2.3.2 If we have been legitimately asked to provide information for legal or regulatory purposes or as part of legal proceedings or prospective legal proceedings.
    3. 2.3.3 We employ companies and individuals to perform functions on our behalf and we may disclose your Personal Data to these parties for the purposes set out in clause 2.1 or, for example, for fulfilling orders, delivering packages, sending postal mail and email, removing repetitive information from consumer lists, analysing data, providing marketing assistance, providing search results and links (including paid listings and links), processing credit and debit card payments and providing consumer service. Those parties are bound by strict contractual provisions with us and only have access to Personal Data needed to perform their functions, and may not use it for other purposes. Further, they must process the Personal Data in accordance with this Privacy Policy and as permitted by the Data Protection Act 1998. From time to time, these other people and organisations to whom we may pass your Personal Data may be outside the European Economic Area. We will take all steps reasonably necessary to ensure that your Personal Data is treated securely and in accordance with this Privacy Policy and the Data Protection Act 1998.
  4. 2.4 Where you give us Personal Data on behalf of someone else, you confirm that you have provided them with the information set out in this Privacy Policy and that they have not objected to such use of their Personal Data.
  5. 2.5 In connection with any transaction which we enter into with you:
    1. 2.5.1 We, and other companies in our group, may carry out credit and fraud prevention checks with one or more licensed credit reference and fraud prevention agencies. We and they may keep a record of the search. Information held about you by these agencies may be linked to records relating to other people living at the same address with whom you are financially linked. These records will also be taken into account in credit and fraud prevention checks. Information from your application and payment details of your account will be recorded with one or more of these agencies and may be shared with other organisations to help make credit and insurance decisions about you and members of your household with whom you are financially linked and for debt collection and fraud prevention. This includes those who have moved house and who have missed payments.
    2. 2.5.2 If you provide false or inaccurate information to us and we suspect fraud, we will record this and may share it with other people and organisations. We, and other credit and insurance organisations, may also use technology to detect and prevent fraud.
    3. 2.5.3 If you need details of those credit agencies and fraud prevention agencies from which we obtain and with which we record information about you, please write to our Data Protection Manager at Inter Financial Limited, Mont Crevelt House, Bulwer Avenue, St. Sampson, Guernsey GY2 4LH


3: Protecting Information

We have strict security measures to protect Personal Data.

  1. We work to protect the security of your information during transmission by using Secure Sockets Layer (SSL) software, which encrypts information you input.
  2. We reveal only the last five digits of your credit card numbers when confirming an order. Of course, we transmit the entire credit card number to the appropriate credit card company during order processing.
  3. We maintain physical, electronic and procedural safeguards in connection with the collection, storage and disclosure of personally identifiable consumer information. Our security procedures mean that we may occasionally request proof of identity before we disclose personal information to you.
  4. It is important for you to protect against unauthorised access to your password and to your computer. Be sure to sign off when you finish using a shared computer.


4: The Internet

  1. If you communicate with us using the internet, we may occasionally email you about our services and products. When you first give us Personal Data through the Website, we will normally give you the opportunity to say whether you would prefer us not to contact you by email. You can also always send us an email (at the address set out below) at any time if you change your mind.
  2. Please remember that communications over the internet, such as emails and webmails (messages sent through a website), are not secure unless they have been encrypted. Your communications may go through a number of countries before they are delivered - this is the nature of the internet. We cannot accept responsibility for any unauthorised access or loss of Personal Data that is beyond our control.

5: Cookies

When we provide services, we want to make them easy, useful and reliable. This sometimes involves placing small amounts of information on your computer. These are called 'cookies'.

These cookies cannot be used to identify you personally and are used to improve services for you, for example through:

- Letting you navigate between pages efficiently - Enabling a service to recognise your computer so you don't have to give the same information during one task - Recognising that you have already given a username and password so you don't need to enter it for every web page requested - Measuring how many people are using services, so they can be made easier to use and that there is enough capacity to ensure they are fast

See allaboutcookies.org or www.youronlinechoices.eu to learn more about cookies.

Visit www.google.co.uk/goodtoknow/data-on-the-web/cookies for a video about cookies.

Users typically have the opportunity to set their browser to accept all or some cookies, to notify them when a cookie is issued, or not to receive cookies at any time. The last of these options, of course, means that personalised services cannot be provided and the user may not be able to take full advantage of all of a website's features. Refer to your browser's Help section for specific guidance on how it allows you to manage cookies and how you may delete cookies you wish to remove from your computer.

Multiple cookies may be found in a single file depending on which browser you use.

The cookies used on this website have been categorised based on the categories found in the ICC UK Cookie guide, as follows:

Category 1: strictly necessary cookies These cookies are essential in order to enable you to move around the website and use its features, such as accessing secure areas of the website. Without these cookies services you have asked for, like shopping baskets or e-billing, cannot be provided.

Category 2: performance cookies These cookies collect information about how visitors use a website, for instance which pages visitors go to most often, and if they get error messages from web pages. These cookies don’t collect information that identifies a visitor. All information these cookies collect is aggregated and therefore anonymous. It is only used to improve how a website works.

Category 3: functionality cookies These cookies allow the website to remember choices you make (such as your user name, language or the region you are in) and provide enhanced, more personal features. For instance, a website may be able to provide you with local weather reports or traffic news by storing in a cookie the region in which you are currently located. These cookies can also be used to remember changes you have made to text size, fonts and other parts of web pages that you can customise. They may also be used to provide services you have asked for such as a live chat session. The information these cookies collect may be anonymised and they cannot track your browsing activity on other websites.

Category 4: targeting cookies or advertising cookies These cookies are used to deliver adverts more relevant to you and your interests. They are also used to limit the number of times you see an advertisement as well as help measure the effectiveness of the advertising campaign. They are usually placed by advertising networks with the website operator’s permission. They remember that you have visited a website and this information is shared with other organisations such as advertisers. Quite often targeting or advertising cookies will be linked to site functionality provided by the other organisation.

The list below shows the cookies that we use, other than those that are strictly necessary to this service. If you have any queries about these, or would like more information, please contact our Data Protection Manager at Inter Financial Limited, 149-151 Mortimer Street, Herne Bay, Kent CT6 5HA, or email us at office@inter-financial.co.uk.



Cookie

Name

Purpose

More Information

Source Website

searchString

Used to identify source search engine

This Cookie will identify the search engine you used to find our website

Keyword

keywordString

Used to identify the keyword you used

This cookie will identify the keyword you used to find our website



By using this website, you agree that we can place these types of cookies on your device.

For more information on cookies (including how to switch them off) please visit www.allaboutcookies.org.



How To Disable Cookies

To clear your browsers cookies cache you must first of all identify your browser below and then follow the step by step instructions:



Internet Explorer 9:

Click the gear icon in the browser's upper right corner and click Internet Options.
On the General tab, click Delete in the Browsing History section.
Clear all of the check boxes except Temporary Internet Files and Cookies.
Click Delete and then click OK.



Internet Explorer 8:

In the Tools menu, click Internet Options.
On the General tab, click Delete in the Browsing History section.
Clear all of the check boxes except Temporary Internet Files and Cookies.
Click Delete and then click OK.



Internet Explorer 7:

In the Tools menu, click Delete Browsing History.
Click Delete Files and then click Yes.
Click Delete Cookies and then click Yes.
Click OK.



Internet Explorer 6 and earlier:

In the Tools menu, click Internet Options.
On the General tab, in the Temporary Internet files section, click Delete Files and then click OK.
Click Delete Cookies and click OK.
Click OK to close the window.



Mozilla Firefox 3.0 and earlier:

In the Tools menu, click Clear Private Data Options.
Check the boxes for Cache and Cookies.
Click Clear Private Data Now.



Safari:

In the Safari menu, click Empty Cache.
Click Empty.
In the Safari menu, click Preferences.
Click the Security icon.
Click the Show Cookies button.
Click Remove All.
Click Done.



Chrome:

Click the wrench icon on the browser toolbar.
Select Tools.
Select Clear browsing data.
Clear all of the check boxes except for Empty the cache and Delete cookies and other site data.
Use the "Clear data from this period" menu to select Everything.
Click Clear browsing data.



6: Links:

  1. The Website may include third-party advertising and links to other websites. We do not provide any personally identifiable consumer Personal Data to these advertisers or third-party websites.
  2. These third-party websites and advertisers, or internet advertising companies working on their behalf, sometimes use technology to send (or 'serve') the advertisements that appear on the Website directly to your browser. They automatically receive your IP address when this happens. They may also use cookies, JavaScript, web beacons (also known as action tags or single-pixel gifs), and other technologies to measure the effectiveness of their ads and to personalise advertising content. We do not have access to or control over cookies or other features that they may use, and the information practices of these advertisers and third-party websites are not covered by this Privacy Policy. Please contact them directly for more information about their privacy practices. In addition, the Network Advertising Initiative offers useful information about internet advertising companies (also called 'ad networks' or 'network advertisers'), including information about how to opt-out of their information collection.
  3. We exclude all liability for loss that you may incur when using these third party websites.


7: Further Information

  1. If you would like any more information or you have any comments about our Privacy Policy, please either write to us at Data Protection Manager, Inter Financial Limited, Mont Crevelt House, Bulwer Avenue, St. Sampson, Guernsey GY2 4LH, or email us at office@inter-financial.co.uk.
  2. We may amend this Privacy Policy from time to time without notice to you, in which case, we will publish the amended version on the Website. You confirm that we shall not be liable to you or any third party for any change to this Privacy Policy from time to time. It is your responsibility to check regularly to determine whether this Privacy Policy has changed.
  3. You can ask us for a copy of this Privacy Policy and of any amended Privacy Policy by writing to the above address or by emailing us at office@inter-financial.co.uk. This Privacy Policy applies to Personal Data we hold about individuals. It does not apply to information we hold about companies and other organisations.
  4. If you would like access to the Personal Data that we hold about you, you can do this by emailing us at office@inter-financial.co.uk or writing to us at the address noted above. There may be a nominal charge of £10 to cover administrative costs.
  5. We aim to keep the Personal Data we hold about you accurate and up to date. If you tell us that we are holding any inaccurate Personal Data about you, we will delete it or correct it promptly. Please email us at office@inter-financial.co.uk or write to us at the address above to update your Personal Data.
281-954-1513