The Site is operated by Finclusion Limited (“Finclusion”, “we”, “us” or “our”).

• Legal name: Finclusion Limited

• Trading name(s): Finclusion

• Company registration number: 16361719

• Registered office: 1 Heddon Street, London, England, W1B 4BD

• Trading / correspondence address:
  Suite 2, 1st Floor, Ropewalks, Newton Street, Macclesfield, SK11 6QJ

• Telephone: 01625 324445

• Email: contact@finclusion.co.uk

We are authorised and regulated by the Financial Conduct Authority (FCA) under firm reference number 1033806.

Our Site provides general information about Finclusion and our products and services, including hire purchase (HP) motor finance.

Customers cannot apply for finance directly through our Site.

Applications for finance are submitted only by authorised motor dealers or credit brokers who introduce customers to Finclusion.

The Site may also allow customers, once introduced to us, to:

• access a customer portal;

• upload documents;

• view information relating to an existing or proposed finance agreement; or

communicate with us in connection with an application or agreement.

Our Site is directed solely at people residing in the United Kingdom. We do not represent that content available on or through the Site is appropriate for use outside the UK.

The content on our Site is provided for general information only. It is not financial advice, legal advice or any other form of professional advice, and must not be relied upon as such.

You should obtain independent advice if you are unsure whether a product is suitable for you.

Although we make reasonable efforts to keep information up to date, we do not guarantee that content on our Site is accurate, complete or current.

Finclusion is a lender, not a broker.

We do not accept finance applications directly from customers. All applications are submitted to us by authorised motor dealers or credit brokers acting as introducers.

Any dealer or broker introducing a customer to us is responsible for:

• its own services;

• the accuracy of information it submits; and

• making any disclosures required by law, including commission disclosure.

Finclusion does not provide financial advice.

Any finance offered by Finclusion is subject to:

• our lending criteria at the time of application;

• affordability and creditworthiness assessment; and

• verification checks.

Information about eligibility or product features on the Site is indicative only, may change, and does not create any entitlement to be offered credit.

Certain parts of the Site are restricted to registered users, including the customer portal and dealer / introducer login areas.

If you are provided with (or choose) login credentials:

• you must keep them confidential;

• you must not allow anyone else to use your account; and

• you are responsible for all activity carried out using your login details.

We may suspend or terminate access to any account if we reasonably believe:

• there has been a breach of these Terms;

• the account has been misused; or

• access poses a security or compliance risk.

When you upload information or documents to the Site:

• you confirm that the information is accurate and complete to the best of your knowledge;

• you must not upload anything unlawful, misleading or fraudulent; and

• you must not upload malicious software or harmful content.

We are not responsible for delays or decisions caused by incomplete, inaccurate or misleading information.

We process personal data in accordance with applicable data protection laws.

These Terms should be read alongside our Privacy Policy.

We are the owner or licensee of all intellectual property rights in our Site and its content, including text, graphics, logos and branding.

You may print or download extracts for your personal use, but you must not:

• modify any materials;

• use content for commercial purposes; or

• reproduce or distribute content without our written permission.

You must not misuse our Site. In particular, you must not:

• breach any applicable law or regulation;

• submit false or misleading information;

• introduce viruses, trojans, worms or other harmful material;

• attempt unauthorised access to our systems;

• scrape, data-mine or reverse engineer the Site; or

• interfere with the Site’s operation or security.

We may suspend or withdraw access to the Site for operational, security or compliance reasons.

Our Site may contain links to third-party websites. These are provided for convenience only.

We do not control or endorse third-party websites and accept no responsibility for their content or availability.

Nothing in these Terms excludes or limits our liability where it would be unlawful to do so, including liability for death or personal injury caused by negligence or for fraud.

To the extent permitted by law, we are not liable for:

• loss of profits, loss of business or business interruption;

• loss of opportunity; or

• indirect or consequential losses,

arising from use of, or inability to use, our Site.

These Terms apply only to use of the Site. Any finance agreement you enter into with us will be governed by separate contractual terms.

If something hasn’t gone right, please let us know.

How to contact us:

• Email: complaints@finclusion.co.uk

• Telephone: 01625 324445

• Post:
  Finclusion Limited
  Suite 2, 1st Floor, Ropewalks
  Newton Street
  Macclesfield
  SK11 6QJ

We will:

• acknowledge complaints within 3 working days;

• investigate fairly; and

• issue a final written response within 8 weeks, in line with FCA DISP rules.

If you are not satisfied, or if 8 weeks have passed, you may refer your complaint to the Financial Ombudsman Service.

We may update these Terms from time to time. The version in force at the time you use the Site will apply.

These Terms are governed by the laws of England and Wales.

The courts of England and Wales have exclusive jurisdiction, except that:

• residents of Scotland may also bring proceedings in Scotland; and

• residents of Northern Ireland may also bring proceedings in Northern Ireland.