1. About Us

Hybrid Credit is committed to revolutionising access to affordable credit for immigrants and underserved communities in the UK. Our platform provides a way for you to access your foreign credit history or bank account transactions and apply for financial products and services.

2. Acceptance of Terms

By using our website (www.hybridcredit.org) and its subsections (Website), you agree to these Terms. If you don’t agree, please do not use our Website.

3. Use of the Website and Hy Bot

• Website Access: Access is temporary and may be withdrawn without notice. Use is for personal, non-commercial purposes only. Do not duplicate, transfer, or distribute content without consent. Do not use for unlawful activities or to harm our reputation.
• Hy Bot: Our AI chatbot, "Hy," is available on WhatsApp. By interacting with Hy, you agree to provide accurate information and understand that the bot is used to facilitate initial loan applications and provide recommendations based on the information provided. The chatbot may ask for supporting documents and process your data in accordance with these Terms and our Privacy Policy.

4. Eligibility

To apply for a loan or savings product:

• You must reside in the UK (excluding Northern Ireland, Isle of Man, and Channel Islands).
• Be at least 18 years old.
• Have an income
• Have a current account at a UK bank, building society, or credit union.

5. Application Process

We perform identity, fraud, and credit checks. Loan approval is at our discretion. If approved, you must enter into a loan agreement and complete the relevant documentation.

6. Our Responsibility

We don’t give any representations, warranties, undertakings, or implied conditions in respect of our services or any content on them. We exclude any liability arising under or in connection with these Terms or your use of our services.

We do not exclude or limit our liability to you where it would be unlawful to do so. These Terms don’t exclude or limit our liability to you for:

• Death or personal injury resulting from our negligence.
• Fraud or fraudulent misrepresentation.