Terms of Use


These are the Terms of Use from which access is granted by Oakbrook Finance Limited and its affiliate O6K Limited (collectively ‘Oakbrook’), to Users of this website (www.oakbrook.com ('the Website'). These Terms of Use must be carefully read before accessing and using the Website. Use of the Website constitutes express acceptance of these Terms of Use.

How we collect data about you and your use of this website

You are in control of what information we collect about you. However, if you choose not to share your information some areas of the website may not be accessible or useable. We may ask you for information about yourself when you complete forms on the website, for example when completing a job application. We and our business partners collect information about your use of the website from cookies. For information about our use of cookies and how to decline them please read our Cookie Policy. We use your data to improve the service we offer you and to ensure that you get the best from our website.

Company Information

The Website is operated by Oakbrook. Oakbrook Finance Limited is a company registered in England and Wales with company no 7831517.

O6K Limited is a company registered in England and Wales with company no 13206536

Each of Oakbrook Finance Limited and O6K Limited has its’ registered office at Oakbrook Finance Ltd, The Poynt North, 45 Wollaton Street Nottingham NG1 5FW. Oakbrook is registered for VAT under number 399417050. Oakbrook Finance Limited is authorised and regulated by the Financial Conduct Authority.

Contact details for Oakbrook are as follows:

Telephone: 0208 080 6450

Postal address: The Poynt North, 45 Wollaton Street, Nottingham, Nottingham, NG1 5FW

Company Business

The business of Oakbrook Finance Limited is the provision of unsecured personal loans to consumers.

The business of O6K Limited is the provision of data science and analytics support to Oakbrook Finance Limited through separately contracted service arrangements as required.

Return, Refund And Cancellation Policy

Neither Oakbrook Finance Limited nor O6K Limited has a refund, return and cancellation policy, but certain of Oakbrook Finance Limited’s activities are regulated by the Consumer Credit Act 1974 (as amended) and customers have statutory rights of cancellation of agreements.

Access to the Website

Oakbrook does not guarantee access to the Website on any permanent or interrupted basis. Oakbrook reserves the right to withdraw or amend access to the Website without notice and will not be liable for any loss or damage suffered by any person, firm or corporation arising from the permanent or temporary unavailability of the Website or of any amendment to the Website or the service provided to it. Oakbrook reserves the right to restrict access to all or any part of the Website either to users generally or to specific users or specific categories of user. Each legal entity whose employees have access to the Website must ensure that all employees, officers and any workers in any other capacity are aware of these Terms of Use and comply with them at all times.

Intellectual Property

Oakbrook is the owner of all intellectual property rights in the Website and in the material displayed on the Website. The printing of copies of any material, or the downloading of any aspects, from, the Website is strictly prohibited except for the purposes of personal reference or research. A modification of any copies or downloads of any materials displayed on the Website, or the use of any illustrations, photographs, video or audio sequences or any graphics displayed on the Website separately from any accompanying text is strictly prohibited. Without limiting the generality of the above permissions, the use of any materials displayed on the Website for commercial purposes without the express prior written consent of Oakbrook (which Oakbrook may or may not grant at its discretion and may grant subject to such conditions as Oakbrook might in its absolute discretion determine) is strictly prohibited.

Obsolete Material

Oakbrook does not guarantee that any of the material displayed on the Website from time to time is current or up to date, and will not be liable to any person, firm or corporation using the Website for any loss or damage suffered or incurred as the result of the use of or reliance upon any material displayed on the Website which is in whole or in part obsolete or not fully up to date. Oakbrook is under no obligation to update any material currently displayed on the Website.

Limitation of Liability

Oakbrook gives no guarantee, representation or warranty of any kind as to the accuracy or completeness of any other material displayed on the Website from time to time. Oakbrook furthermore excludes, to the fullest extent permissible by law, (i) all conditions, warranties or other terms which might otherwise be implied by statute, common law or equity; (ii) any liability for loss of profit, loss of revenue, loss of business or contract, loss of anticipated savings, loss of goodwill or any indirect or consequential loss of any kind suffered or incurred by any person as a result of the use of the Website or any other material displayed on it from time to time, regardless of the cause of action and of whether such loss or damage was foreseeable or Oakbrook had been advised of the possibility of such loss or damage arising. Nothing in these Terms of Use shall however exclude or limit the liability of Oakbrook for death or personal injury caused by its own negligence, or for fraud or fraudulent misrepresentation.

User Information

Oakbrook will process information regarding users of the Website at all times in accordance with its Privacy Policy. Use of the Website constitutes express consent to such processing, together with a warranty that all data provided is accurate.

Acceptable Use Policy

The grant of access to and the right to use the Website is conditional at all times upon strict compliance in all respects with the provision of Oakbrook's Acceptable Use Policy.

Viruses, Hacking and Other Offences

The misuse of the Website by the knowing or reckless introduction of viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful is strictly prohibited. The attempting to gain any unauthorised access to the Website, the server on which the Website is stored or any further computer or data entry to the Website is strictly prohibited. Any breach of the above provisions constitutes a criminal offence under the Computer Misuse Act 1990. If Oakbrook becomes aware of any such breach, it will report the same to the relevant law enforcement authorities and will co-operate with those authorities by disclosing the identity of the person, firm or corporation responsible for the breach. Oakbrook will not be liable for any loss or damage caused by any virus or other technologically harmful material that might affect the computer equipment of any user, any computer programmes data or other proprietary material arising from the use of the Website or any material displayed upon it.


Links to the Website home page are permissible, but not so as to create any impression of any association, approval or endorsement by Oakbrook, or any association or connection between Oakbrook and the user. The creation of a link to any part of the Website other than the homepage is strictly prohibited. Oakbrook reserves the right at anytime to withdraw permission to link to the Website, whether generally or to specified users or categories of user. Any links contained on the Website to other websites promoting goods or services provided by third parties are provided for information only. Oakbrook excludes all liability for any loss or damage that any person, firm or corporation might incur as a result of the use of any such link or of any dealings with any third party entered into by the user by means of such link, or arising out of the acquisition or use by the user of any such goods or services.


Oakbrook may vary the Terms of Use at any time by amending the Terms of Use as displayed on the Website, but without any obligation to give prior notice to any user of the Website.

Law and Jurisdiction

These Terms of Use will be construed, interpreted and applied in accordance with English Law, and the Courts of England will have non-exclusive jurisdiction in relation to any claim arising from the accessing or use of the Website by any person, firm or corporation. If you are not satisfied with any Oakbrook Finance Ltd product or service we have a complaint handling procedure that you can use to resolve such matters. Information on this procedure will be sent to you in the event of a complaint or upon request. If you are still not satisfied after following our complaint procedure, you can ask the Financial Ombudsman Service to review the complaint within six months of our final response. You can write to the Financial Ombudsman Service at South Quay Plaza, 183 Marsh Wall, London E14 9SR (telephone: 08000 234 567). The Financial Ombudsman Service is an organisation set up by law to give consumers a free and independent service for resolving disputes with financial firms.