Terms & Conditions

Hap2py Penny and www.hap2pypennyuk.com (“Website”) refer to as “Hap2py Penny”, “us” or “we”. As a user (“User”), you understand that Hap2py Penny is a platform providing financial institutions, lenders, borrowers, and service providers the lending and borrowing of loans. “Users” mean any person using the website. Using the website implies that you have read, understood, and agreed to our terms. Please do not use the website if you disagree with any terms.


Hap2py Penny is a service provider facilitating between a person willing to lend and someone in need of borrowing. The decision of lending and borrowing is subject to the respective user’s choice. We also provide support to verify the user’s financial capabilities.


We declare that users are at least 18 years old and are legally allowed to enter a contract with us. If the user violates our terms, we may terminate and prohibit the user from using the platform at any time in its sole discretion, with or without notice.

Access Licence

Hap2py Penny grants users a limited licence to access the website. Any unauthorised access, modification, adaptation, translation, or reverse engineering of the website is not permitted except with the consent of Hap2py Penny. This licence is non-transferable and does not permit resale or commercial use of its contents. Any downloading, copying of information or data mining is prohibited. 

Website Monitoring

Hap2py Penny has the right to monitor all information including the user’s account. Website monitoring is essential so that users abide by our terms. Hap2py Penny reserved the rights to remove the breached content. 


You agree to forfeit Hap2py Penny, employees, agents, licensors, and business partners harmless from any claims, demands, losses, damages, liabilities, legal fees, and expenses related to your platform usage.

Hap2py Penny reserves the right to assume defence and control on intellectual property infringement, threatening, obscene, harassing, or offensive material. You are required to indemnify and cooperate with our settlement of these claims.

Third-Party Links

Hap2py Penny accepts no responsibility for advertisements as we have no control over the content to which a link from the website exists. Links are “as is” for users as we do not endorse or recommend any third party.


Users can file and share feedback if they are disappointed by the services via email to [email protected].

Warranties Disclaimer

You understand and agree that the service, information, products and contents (including that of third parties) are at your sole risk.

Hap2py Penny makes no warranty that:

(a) The service will meet your requirements.

(b) The service will be uninterrupted, timely, secure, or error-free.

(c) The results obtained from the service will be accurate or reliable.

(d) Any errors in the technology will be corrected.

You are solely responsible for damage to your computer or data loss from any such material. No advice or information (oral or written) obtained by you will create any warranty. 

Liability Limitation

You agree that Hap2py Penny will not be liable for harms, loss of profits, or other intangible damages resulting from:

(a) The use or the inability to use the service.

(b) Any data obtained, messages received, or transactions entered through the service.

(c) Unauthorised access and alteration of your data transmissions.

(d) Statements or conduct of anyone on the service.


You agree to compensate Hap2py Penny from any third-party claims, liability, damages, expenses and costs (including legal fees) caused by your use of the service, your violation of the terms, infringement, intellectual property or other rights of anyone.

Documents Policy

Hap2py Penny may disclose the user’s information and documents to the agency, financial institution or third party as deemed necessary by regulations. In this regard, you shall waive the privacy privilege.