Who we are

Comuno is a trading name of Choose Wisely Limited, a company registered in England and Wales (Company No. 07580462) with its registered office at This Workspace, 18 Albert Road, Bournemouth, England, BH1 1BZ

We are authorised and regulated by the Financial Conduct Authority (FCA) as a credit broker under registration number 730574 as a credit broker, not a lender.

What we do

Comuno provides an online platform that connects consumers with community finance providers, such as credit unions and community development finance institutions (CDFIs).

We help users compare and apply for fair, affordable credit options.

We may also direct users to Money Medic, our signposting tool that helps people access benefits, grants, and financial support where credit is not the best option.

We do not provide financial advice or make lending decisions.

All lending decisions are made by the individual community finance providers.

Using our website

You may use the Site only for lawful purposes and in accordance with these Terms.

You agree not to:

• Use the Site in any way that breaches applicable law or regulation.

• Access or collect data from the Site using automated means.

• Upload or transmit viruses or harmful code.

• Attempt to disrupt or interfere with the Site’s functionality or security.

We may suspend or terminate your access to the Site if we reasonably believe you have breached these Terms.

Eligibility

To use our services, you must:

• Be aged 18 or over;

• Be a UK resident; and

• Use the Site only for your own personal, non-commercial purposes.

We do not knowingly collect or process data from anyone under 18.

Our role as a credit broker

Comuno is a credit broker, not a lender.

We introduce you to community finance providers and other FCA-regulated lenders who may offer you a loan or financial product.

When you ask us to submit your details, we will pass them to one or more providers.

We may receive a commission or fee from those providers when you take out a product through our platform.

This commission does not affect how products are displayed or your eligibility.

We only work with authorised and regulated providers who meet strict compliance and fair lending standards.

No financial advice

The content on Comuno is provided for information purposes only.

We do not provide personal financial advice or recommendations.

You are responsible for deciding whether a product or service meets your needs.

Before taking out any financial product, you should:

• Read the provider’s terms and conditions, and

• Seek independent financial advice if necessary.

Accuracy of information

We aim to ensure all information on Comuno is accurate, up to date, and clear.

However, we cannot guarantee that all details-such as product terms, interest rates, or eligibility criteria-will always be accurate or current.

Providers may change their terms at any time without notice.

We are not responsible for errors or omissions beyond our reasonable control.

Links to other websites

Comuno may include links to third-party websites (for example, lenders, credit unions, or partner organisations).

These links are provided for convenience only.

We do not control or endorse these sites and are not responsible for:

• Their content or accuracy,

• Their terms of use, or

• Their privacy and cookie practices.

You should read the privacy policy and terms of any site you visit via a link from Comuno.

Our intellectual property

All content on Comuno-including text, design, logos, software, and graphics-is owned by or licensed to Choose Wisely Limited.

You may view, print, or download content for personal, non-commercial use.

You may not copy, modify, reproduce, distribute, or exploit any part of the Site for commercial purposes without our written permission.

Availability and changes

We aim to keep Comuno available and running smoothly at all times, but we do not guarantee uninterrupted or error-free access.

We may suspend, withdraw, or update any part of the Site:

• For maintenance or technical reasons;

• To comply with legal or regulatory changes; or

• To improve functionality or user experience.

We may update these Terms at any time by posting the revised version on this page.

Limitation of liability

Nothing in these Terms excludes or limits our liability for:

• Death or personal injury caused by negligence,

• Fraud or fraudulent misrepresentation, or

• Any rights you have under the Consumer Rights Act 2015.

• To the fullest extent permitted by law:

• We are not liable for any loss or damage arising from your use of, or inability to use, Comuno or its content.

• We are not responsible for any decisions you make based on information from the Site.

We provide the Site “as is” and make no warranties that it will meet your needs or expectations.

Indemnity

You agree to indemnify and hold harmless Choose Wisely Limited and its officers, employees, and agents from any claims, damages, or expenses arising out of:

• Your use or misuse of the Site, or

• Any breach of these Terms.

Data protection and privacy

Your privacy is important to us.

Please read our Privacy Policy to understand how we collect, use, and protect your personal data.

By using the Site, you consent to such processing and warrant that all data you provide is accurate and up to date.

Governing law and jurisdiction

These Terms are governed by English law.

Any disputes arising under or in connection with these Terms shall be subject to the exclusive jurisdiction of the courts of England and Wales.