Introduction This website is operated by Fidelity Works Ltd, trading as Pacific Odyssey Loans, at the registered address given in the footer of the website. (“We”, “Us”, “Our”)


Fidelity Works Ltd is both a regulated lender and a credit broker. The website is however promoting our services as a credit broker and not our services as a lender.


The user of the website will hereafter be referred to as “You” or “Your”.




The Application Form hosted on this site is owned and managed by Pingtree Limited which is an Appointed Representative of Quint Group Limited, and is entered on the Financial Services Register under reference number: 723672. Quint Group Limited is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register under reference number: 669450 Pingtree Limited is registered in England and Wales (Company number 06511345), registered office; Cottage Street Mill, Cottage Street, Macclesfield, Cheshire, SK11 8DZ. Licenced by the Information Commissioners Office, (registration number Z1498441).


We will have no access to the data that you enter into the application form and the use of this information is subject to Pingtree Limited’s Terms and Conditions and Privacy Policy. Links to both of these documents are at the bottom of the application form and you will need to agree to these when you complete the application.


Please be aware that by continuing with the application you will be agreeing to one or more of the lenders that Pingtree Limited will ask to consider your application to make a credit search on you with one or more UK Credit Reference Agency.


The remainder of THIS document refers to all pages of this website EXCLUDING the application form.


Advice, Broker Fees and Commission

This website acts as a loan broker to a single organisation, Pingtree Limited, who has a panel of lenders and brokers which they use to attempt to find a loan for you. This website operates exclusively with Pingtree Limited with all applications being passed directly to them. We do not charge a broker fee to you. We are however paid a commission by Pingtree Limited for introducing you to them.


We therefore make no recommendation that the lender that Pingtree Limited finds for you meets all of your demands and needs and you should therefore read all of their terms and conditions before making the decision that the loan is suitable for you. Furthermore no advice is either give or implied by this introduction.


No offer

Neither the information, nor any opinion contained in our website constitutes an offer to sell or solicitation or an offer to buy any financial instruments or any advice or recommendation with respect to such financial instruments.


Use of website

You are prohibited from using this website to post or transmit any material that is inaccurate (where such material states a fact), unlawful, threatening, libellous, defamatory, obscene, scandalous, offensive, inflammatory, pornographic, discriminatory, profane or liable to incite racial hatred, any material that infringes the rights of any third party (including but not limited to any copyright, trademark or other proprietary right) or any material that could constitute or encourage unlawful conduct or for which you have not obtained all necessary licenses and/or approvals. While we are under no obligation to oversee, monitor or moderate any interactive service we provide on our website, we may, from time to time, review material transmitted or posted using this website and reserve the right to delete any material that does not comply with these Terms & Conditions of use or which we deem inappropriate for any reason, at our sole discretion. When you access or use our website, you must not upload or send material that is technically harmful (including without limitation, computer viruses, logic bombs, Trojan horses, worms, harmful components, corrupted data or other malicious software or harmful data) and you agree not to misuse the website (including, without limitation, by hacking).


The services and products that we provide on the website are intended for UK residents over the age of 18 only, and information contained on the website does not amount to an invitation to customers who are under 18 or who are outside of the UK to buy any services or products. All transactions for the supply of services concluded through our website or as a result of visits made by you to the website are governed by our Terms & Conditions of use.


Your data and marketing

As the application form does not belong to us, we will have no access to the information you enter when completing it. 


We may hold information about you from other sources such as other websites we own or data that has been passed to us by third parties. In addition to the other permissions you have already given regarding the use of this data we have the right to use this information for marketing purposes. If we have sent you a marketing communication regarding this site and you want to be removed from the Fidelity Works Ltd mailing lists the quickest way is follow the unsubscribe instructions contained in these mailings. Alternatively please email including the email address and/or mobile number you want removed


Online Dispute Resolution (ODR) 

From the 15th February 2016 all companies that trade on line have to inform their customers about the new ODR platform and that this can be used in the event that you have a dispute with the product or service they supply.

This is a European initiative that allows a customer to submit a dispute about a company online.

As a company regulated by the Financial Conduct Authority (FCA), Fidelity Works Ltd is already obliged to use the Financial Ombudsman Service to provide an Alternate Dispute Resolution to customers. Additionally we have our own ‘Internal Complaints Handling Process’ which we use to investigate and attempt to resolve complaints. See the Complaints Policy on our website for more details.

The following is a link to the ODR Website -

Whichever way you make your complaint, we will always be given the opportunity to try to resolve the matter ourselves before you are given the referral rights to the Financial Ombudsman Service if you remain unhappy. You may decide therefore that you would prefer to come to us first. You can email or use one of the other contact methods detailed in our complaint policy, which also provides information on how we will deal with any complaint received.

The time limits for investigating your complaint under the FCA regulations will only start when we have received notification if your complaint.


Internet e-mail

Messages sent over the Internet cannot be guaranteed to be completely secure as they are subject to possible interception or loss or possible alteration. We are not responsible for any message lost, intercepted or altered by third parties and will not be liable to you or anyone else for any damages or otherwise in connection with any message sent or received over the Internet



We have no control over or endorse any of the websites linked to this website and are not responsible for the content, accuracy, security or reliability of any websites or pages linked to this website. Your linking to any websites from this website is at your own risk and we shall not be responsible or liable for any damages resulting from or in connection with such links or websites. You are not entitled (nor will you assist others) to set up links from other websites to this website (whether by hypertext linking, deep-linking, framing, toggling or otherwise) without our prior written consent, which we may grant, withhold and withdraw at our absolute discretion.


Cookies and how we use them

A cookie is a small file which asks permission to be placed on your computer’s hard drive. Once you agree, the file is added and the cookie helps web applications to respond to you as an individual by gathering and remembering information about your preferences and which pages you visit. A cookie in no way gives us access to your computer or any information about you, other than the information you choose to share with us. We use cookies to collect information about your computer, including, where available, your IP address, operating system and browser type, for system administration and to report information to our advertisers. In addition to using cookies, we might also use web tools to collect information about your browsing activities whilst on our website. In this respect the information that is provided is similar to the information supplied by cookies, and we use it for the same purpose. Any information that we acquire about you using cookies or web tools is subject to the same restrictions and conditions as any other information we collect about you. The Privacy and Electronic Communications (EC Directive) (Amendment) Regulations 2011 require that cookies can only be placed on a computer where the user has given their express consent. If you set your web browser to decline their use, you will have only limited functionality in the use of our Site. When you first access our Site, we will provide you with information on the cookies we use in a header bar. We will take your continued use of the Site as acceptance of our use of cookies. 



Your use of this website and material from this website is at your own risk. We will try to ensure that the information on the website is correct and up-to-date but we make no warranties or representations about the accuracy and completeness of the content on the website. We therefore disclaim all liability and responsibility arising from any reliance placed on such materials by you or anyone that may be informed of its contents. This website and the material provided on it are provided “as is” without any conditions, warranties or other terms of any kind. To the extent permitted by law, we and third parties connected to us provide you with access to this Website on the basis that we exclude all conditions, warranties and other terms which might otherwise be implied by statute, common law or the law of equity. 



We and third parties connected to us exclude all liability and responsibility for any direct, incidental, consequential, indirect loss or damage incurred by you or any other user arising out of access to, use of, or inability to use this Website, any material from this Website or any websites linked to it or arising out of any communications sent to us over the internet, including without limitation, any liability for loss of income or revenue; loss of business; loss of profits or contracts; loss of anticipated savings; loss of data; loss of good will; wasted management or office time; loss or damage due to viruses that may affect your computer equipment; software or data; and for any other loss or damage of any kind, however arising and whether caused by tort (including negligence), breach of contract or otherwise, even if foreseeable. This does not affect our liability for death or personal injury arising from our negligence (as such term is defined under the Unfair Contract Terms Act 1977), nor our liability for the tort of deceit or misrepresentation as to a fundamental matter, nor any other liability which cannot be excluded or limited under applicable law.


Modifications to the Terms of Use

We reserve the right to revise these Terms & Conditions of use at any time by amending this page. You are bound by any changes, deletions or additions we have made and you should check this page from time to time to take notice of any such amendments. Your continued use of the Website, following any changes to these Terms & Conditions of use, will mean you accept these changes. 


Severed Provisions

If any part of these Terms & Conditions of use is found to be unlawful, void or unenforceable, that part shall be deemed severed from this agreement and shall not affect the validity and enforceability of the remaining provisions. 


Jurisdiction and Governing law

These Terms & Conditions of use are governed by English law and the English Courts will have exclusive jurisdiction in respect of all disputes arising out of or in connection with these Terms & Conditions of use. These Terms and Conditions of use, and the prior information, are in English. We undertake to communicate with you in English.

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