1. General

 

1.1 Welcome to Comuno. Please read these Terms & Conditions carefully before using our website, as by continuing to use our services, you agree to be bound by them.

 

1.2 To utilize our services, you must be at least 18 years old and a UK resident.

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1.3 Comuno is a platform dedicated to connecting customers with Community Finance options, including UK Credit Unions, CDFIs, and Not-for-profit lenders, based on their unique financial profiles and needs.

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1.4 Our objective is to provide an alternative to traditional financial services, focusing on community-based, customer-centric lending solutions. We do not directly offer financial products but connect you with suitable providers.

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1.5 We do not provide financial advice. The information on our website is intended to assist in your decision-making process. We recommend consulting with a financial professional to verify any information you intend to rely upon.

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1.6 Our service is impartial and independent. Some providers may compensate us for featuring their products or when you engage with their services, but this does not influence how we present these options to you.

 

1.7 For inquiries related to these Terms & Conditions, please contact us at hello@comuno.co.uk.

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1.8 We reserve the right to modify these Terms & Conditions. Any changes will be updated on

this page.

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1.9 If any part of these Terms & Conditions is found to be invalid or unenforceable, the remainder will still be in effect.

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1.10 These Terms & Conditions, together with our Privacy Policy and Cookie Policy, constitute the entire agreement between you and us.

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1.11 Our failure to enforce any right or provision in these terms does not constitute a waiver of such right or provision.

 

1.12 These Terms & Conditions are governed by the laws of England and Wales.

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2. About Us

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2.1 Comuno is a trading name of Choose Wisely Limited, regulated by appropriate authorities as per UK financial service regulations.

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2.2 Choose Wisely Limited is authorised and regulated by the Financial Conduct Authority as a credit broker not a lender, firm reference number 730574 and is registered with the Information Commissioner’s Office number Z3106681. Choose Wisely Limited is registered at This Workspace, 18 Albert Road, Bournemouth BH1 1BZ, Company Number 07580462.

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3. Definitions

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In these Terms & Conditions:

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Community Finance refers to financial services provided by UK Credit Unions, CDFIs, and Not-for-profit lenders.

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Eligibility Check means the process of assessing your suitability for various financial products.

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Product refers to any financial service or product provided by our partner lenders.

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Provider means any Community Finance institution or service.

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Service refers to the functionality offered through Comuno’s website, including the matching of customers to financial products.

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Website means the web pages, content, and tools available at [Comuno's website URL].

You/Your refers to you, the user of our Website.

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4. Your Obligations

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4.1 Comuno is accessible for personal, non-commercial use.

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4.2 Please ensure all information you provide is accurate. Inaccuracies may affect the effectiveness of our service and could be considered fraudulent.

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5. Service Description & Limitations

 

5.1 Comuno offers a unique two-stage service: the Comuno Community Search and the Comuno Eligibility Check, designed to match users with suitable Community Finance options.

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5.2 While we strive to provide accurate and up-to-date information, we cannot guarantee the completeness or accuracy of the information provided by third parties or the approval of any financial products.

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5.3 Our services do not constitute financial advice. We encourage users to conduct their own research and seek professional advice before making any financial decisions.

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6. Intellectual Property

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6.1 The content, including texts, graphics, logos, and software, on Comuno's website is owned by or licensed to us and is protected by intellectual property laws.

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6.2 You may use the content for personal and non-commercial purposes only. Any other use, including reproduction, modification, distribution, or publication without our prior written consent, is strictly prohibited.

 

 

7. Privacy & Data Protection

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7.1 We are committed to protecting your privacy. Personal information collected through our website is used in accordance with our Privacy Policy.

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7.2 By using our services, you consent to the collection, use, and sharing of your information as outlined in our Privacy Policy.

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8. Third-Party Links and Services

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8.1 Our website may contain links to third-party websites or services. We are not responsible for the content or practices of these sites.

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8.2 Any dealings with third-party services are solely between you and the third party. We are not liable for any loss or damage incurred as a result of such dealings.

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9. Limitation of Liability

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9.1 Comuno will not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, data, use, goodwill, or other intangible losses, resulting from your access to or use of or inability to access or use our services.

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9.2 Our total liability for all claims related to the services will not exceed the amount you paid us to use the services within the last twelve months.

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10. Termination

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10.1 We may terminate or suspend your access to our services immediately, without prior notice or liability, for any reason, including without limitation if you breach these Terms & Conditions.

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11. Governing Law

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11.1 These Terms & Conditions shall be governed and construed in accordance with the laws of England and Wales, without regard to its conflict of law provisions.

 

 

12. Changes to Terms & Conditions

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12.1 We reserve the right to modify or replace these Terms at any time. We will provide notice of any changes by posting the new Terms & Conditions on this page.

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13. Contact Us

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13.1 For any questions about these Terms & Conditions, please contact us at hello@comuno.co.uk.