Terms & Conditions

1. Introduction

These Terms and Conditions govern your access to and use of the Gemini website, platform, and services. By using our website or submitting an application through Gemini, you agree to be bound by these terms. If you do not agree to any part of these terms, you must not use our services.

2. About Gemini

Gemini is a credit broker, not a lender. We are registered in England and Wales and are fully authorised and regulated by the Financial Conduct Authority (FCA). Our role is to act as an independent intermediary, connecting customers with a panel of reputable FCA-authorised lenders who may be able to offer short-term loans based on your individual circumstances.

3. Our Services

Gemini provides a free online platform that allows you to submit a single application. We then securely forward your details to suitable lenders from our panel. We do not provide loans ourselves and we do not make any lending decisions. Any loan offer is made solely by the lender and is subject to their own eligibility and affordability assessment.

4. Eligibility

To use our services you must be at least 18 years old, a permanent UK resident, and have a regular source of income. You must also hold a UK bank account in your own name. Meeting these criteria does not guarantee approval — final decisions are made by the lenders.

5. Application Process

When you submit an application through Gemini, you authorise us to share your information with lenders in our panel. You agree that all information you provide is accurate and complete. Providing false or misleading information may result in your application being declined and could have legal consequences.

6. Fees and Charges

Using Gemini is completely free. We do not charge any application fees, broker fees, or any other charges to customers. All costs, interest rates, and repayment terms are clearly shown by the lender before you accept any loan. All high-cost short-term credit is subject to strict price caps set by the Financial Conduct Authority.

7. Your Responsibilities

You agree to only borrow what you can afford to repay. You must carefully review all loan offers and terms before accepting any loan. You are responsible for making all repayments on time. Late or missed repayments can lead to additional charges, affect your credit score, and may result in legal action by the lender.

8. Data Protection and Privacy

We take the protection of your personal data very seriously. All information you provide is processed in accordance with our Privacy Policy and applicable data protection laws. We only share your data with lenders for the purpose of assessing your application and will never sell your data to third parties.

9. Intellectual Property

All content, logos, designs, and materials on this website are the intellectual property of Gemini or its licensors and are protected by copyright and other laws. You may not copy, reproduce, or use any content without our prior written consent.

10. Liability and Disclaimers

Gemini is not liable for any loss or damage you may suffer as a result of using our website or entering into a loan agreement with any lender. We do not guarantee that any lender will approve your application or offer you a loan. All lending decisions are made solely by the lenders.

11. Changes to These Terms

We may update or amend these Terms and Conditions from time to time. Any changes will be posted on this page with the updated date. Your continued use of the website after any changes constitutes acceptance of the new terms.

12. Governing Law

These Terms and Conditions are governed by the laws of England and Wales. Any disputes arising from these terms will be subject to the exclusive jurisdiction of the courts of England and Wales.