These Terms of Service (hereafter referred to as the “Terms”) shall govern the circumstances by which you (the “User”) may engage the Cool Loans site (the “Website”), licensed to Cool Loans Limited (hereafter referred to as “Cool Loans”) by Caribbean Property Managers Ltd, and the products and services offered by Cool Loans through the Website and in-branch, collectively referred to as the “Services”. Accessing the Services, for the purpose of acquiring a loan signifies full and complete acknowledgment and acceptance by the User of the provisions put forth in these Terms. If you do not agree to these Terms, you may not access or use the website.


You agree to engage the Services at your own risk. We cannot guarantee that the Services will not have delays, uninterrupted access, errors, or loss of data. The information contained within the Websites can be changed at any time without prior notice. Changes to our Terms take effect once the adjustments are made. Users who have active loans will be subject to the Terms in their exact form as of the date the User’s application was submitted.

We do not endorse nor do we accept liability for the content of other websites linked through the Websites. Users should read the terms and conditions of third-party websites before using them. You may not link to the Websites from your own website without our consent, which we may grant or deny. There is no guarantee that any message you send to us will be completely secure and could be intercepted or lost. We are not liable for any lost or intercepted message or for any damages that result from that message.

The Website uses cookies, which will record the pages you visit within our website and the time you spent on the website. You can disable cookies using your web browser’s settings, but it may affect some of our Website’s functionality.

If you, the User, are dissatisfied with any part of the Terms or Services, your sole and exclusive remedy is to discontinue engagement with the Services.


You may only access the Services once the following requirements are met: (i) you are of 18 years of age or older; (ii) you are a resident of a territory in which Cool Loans officially operates; (iii) you are employed in or otherwise operate in an official commercial capacity in a territory in which Cool Loans officially operates.

Access to the Services that are offered on the website must be sought only through the use of one’s solely and explicitly owned mobile, tablet or desktop. By accessing the website and such Services you, the User, agree that the device from which you access the Services is solely and explicitly your property and hereby assume responsibility for the engagement of the Services from said device. You are responsible for maintaining the security and secrecy of your username and password and may only possess one account at any given time, unless otherwise authorized by Cool Loans. The registration and application processes require submission of personal information such as name, address and bank account details. You agree to submit and maintain accurate, complete and current information when engaging the Services. You agree not to undertake any action to interrupt or disrupt the services or otherwise jeopardize the property of Cool Loans. Cool Loans reserves the right to deny any and every aspect of the Services to any user for any reason at its sole discretion.

By submitting a pre-qualification loan application through the website, you express your willingness to be bound by the contractual terms of the loan agreement put forth, as well as your acceptance of the disbursal and recovery methods and protocols set forth. These Terms will apply to the Fixed-Sum Loan Agreement, with the inclusion of interest rates and fees, which will be entered into by you, the User, with Cool Loans.

From time to time, we may introduce special offers or promotions, which you will be notified of via emails, and social media or other forms. Such special offers or promotions are only valid for the specified period or until such a time as Cool Loans deems them invalid.

You agree that any notices given to you in relation to any Agreement can be delivered to the email address supplied by you during your application. Any notices may also be communicated to you via your Cool Loans account. In such cases, you will also receive by email a prompt to refer to your account. At our discretion, we may also serve any notice or demand to you personally, or leave it or send it to you at your last known address.

Any agreement made with Cool Loans is governed by the jurisdiction of the territory in which the agreement is established. Furthermore, all communications made with Users will be made in English, or where relevant the language Cool Loans deems appropriate for the territory in which Cool Loans is operating.


All trademarks, copyright, content, software, and source codes contained in the Websites as well as our logos, brands, and products within the website are licensed to Cool Loans. You may copy, download, or temporarily store information from our website when you use our products and services. You may not republish or redistribute Website information to other parties, websites, or in hard copy form without our prior consent.