How to Make a Complaint
WeGo Finance Ltd · Appointed representative of White Rose Finance Group Limited
At WeGo Finance Ltd, appointed representatives of White Rose Finance
Group Limited, we are committed to providing our customers with the
highest standards of service. If you are unhappy with our service or
have any concerns, please let us know. We value your feedback and aim to
resolve all complaints quickly and fairly.
How to Contact Us with a
Complaint
You can make a complaint in any of the following ways:
Email: enquiries@wego.finance
Phone: 0141 221 2600
Postal Address: AiRhub, 14 Marchburn Drive, Paisley
PA3 2SJ
Our Complaints Process
When you make a complaint, we will follow these steps:
Acknowledgment: We will acknowledge receipt of your
complaint within five business days.
Investigation: Our team will investigate the details
of your complaint and gather any relevant information to fully
understand and address your concerns.
Response: We aim to resolve complaints within eight
weeks. If the matter requires more time, we will keep you updated on the
progress.
Involving Our Principal Firm
As we are an appointed representative of White Rose Finance Group
Limited, you may also contact them directly if you have any questions or
feel that your complaint has not been addressed to your satisfaction.
White Rose Finance Group Limited can provide additional support or
assist in ensuring your concerns are resolved effectively.
Principal Firm Contact Email:
compliance@whiterosefinance.com
Principal Firm Contact Phone: 0333 405 1954
Escalating Your Complaint
If you are not satisfied with our response, or if eight weeks have
passed and your complaint has not been resolved, you have the right to
refer your complaint to the Financial Ombudsman Service (FOS). The FOS
is an independent organization that helps settle complaints between
financial businesses and their customers.
Contact
Details for the Financial Ombudsman Service:
Website: www.financial-ombudsman.org.uk
Phone: 0800 023 4567 (free from most landlines) or
0300 123 9123
Address: Financial Ombudsman Service, Exchange
Tower, London, E14 9SR
At WeGo Finance Ltd and White Rose Finance Group Limited, we are
committed to handling all complaints fairly and efficiently. We will
work together to ensure that your concerns are resolved promptly and to
your satisfaction.
Privacy Policy
WeGo Finance Ltd · Appointed representative of White Rose Finance Group Limited
Last updated: 30/10/2026
This Privacy Policy describes Our policies and procedures on the
collection, use and disclosure of Your information when You use the
Service and tells You about Your privacy rights and how the law protects
You.
We use Your Personal data to provide and improve the Service. By
using the Service, you agree to the collection and use of information in
accordance with this Privacy Policy.
Interpretation and
Definitions
Interpretation
The words of which the initial letter is capitalised have meanings
defined under the following conditions.
The following definitions shall have the same meaning regardless of
whether they appear in singular or in plural.
Definitions
For the purposes of this Privacy Policy:
You means the individual accessing or using the Service, or the
company, or other legal entity on behalf of which such individual is
accessing or using the Service, as applicable.
Company (referred to as either “the Company”, “We”, “Us” or “Our”
in this Agreement) refers to WeGo Finance Ltd.
Affiliate means an entity that controls, is controlled by or is
under common control with a party, where “control” means ownership of
50% or more of the shares, equity interest or other securities entitled
to vote for election of directors or other managing authority.
Account means a unique account created for You to access our
Service or parts of our Service.
Website refers to WeGo Finance Ltd, accessible
from wego.finance
Service refers to the Website.
Country refers to: United Kingdom
Service Provider means any natural or legal person who processes
the data on behalf of the Company. It refers to third-party companies or
individuals employed by the Company to facilitate the Service, to
provide the Service on behalf of the Company, to perform services
related to the Service or to assist the Company in analysing how the
Service is used.
Third-party Social Media Service refers to any website or any
social network website through which a User can log in or create an
account to use the Service.
Personal Data is any information that relates to an identified or
identifiable individual.
Cookies are small files that are placed on Your computer, mobile
device or any other device by a website, containing the details of Your
browsing history on that website among its many uses.
Device means any device that can access the Service such as a
computer, a cellphone or a digital tablet.
Usage Data refers to data collected automatically, either
generated by the use of the Service or from the Service infrastructure
itself (for example, the duration of a page visit).
Collecting and Using
Your Personal Data
Types of Data Collected
Personal Data
While using Our Service, we may ask You to provide Us with certain
personally identifiable information that can be used to contact or
identify You. Personally identifiable information may include, but is
not limited to:
Usage Data
Usage Data is collected automatically when using the Service.
Usage Data may include information such as Your Device’s Internet
Protocol address (e.g. IP address), browser type, browser version, the
pages of our Service that You visit, the time and date of Your visit,
the time spent on those pages, unique device identifiers and other
diagnostic data.
When You access the Service by or through a mobile device, we may
collect certain information automatically, including, but not limited
to, the type of mobile device You use, Your mobile device unique ID, the
IP address of Your mobile device, Your mobile operating system, the type
of mobile Internet browser You use, unique device identifiers and other
diagnostic data.
We may also collect information that Your browser sends whenever You
visit our Service or when You access the Service by or through a mobile
device.
Tracking Technologies and
Cookies
We use Cookies and similar tracking technologies to track the
activity on Our Service and store certain information. Tracking
technologies used are beacons, tags, and scripts to collect and track
information and to improve and analyse Our Service.
You can instruct Your browser to refuse all Cookies or to indicate
when a Cookie is being sent. However, if You do not accept Cookies, you
may not be able to use some parts of our Service.
Cookies can be “Persistent” or “Session” Cookies. Persistent Cookies
remain on your personal computer or mobile device when You go offline,
while Session Cookies are deleted as soon as You close your web
browser.
We use both session and persistent Cookies for the purposes set out
below:
Necessary / Essential Cookies
Type: Session Cookies
Administered by: Us
Purpose: These Cookies are essential to provide You with services
available through the Website and to enable You to use some of its
features. They help to authenticate users and prevent fraudulent use of
user accounts. Without these Cookies, the services that You have asked
for cannot be provided, and We only use these Cookies to provide You
with those services.
Cookies Policy /
Notice Acceptance Cookies
Type: Persistent Cookies
Administered by: Us
Purpose: These Cookies identify if users have accepted the use of
cookies on the Website.
Functionality Cookies
Type: Persistent Cookies
Administered by: Us
Purpose: These Cookies allow us to remember choices You make when You
use the Website, such as remembering your login details or language
preference. The purpose of these Cookies is to provide You with a more
personal experience and to avoid You having to re-enter your preferences
every time You use the Website.
For more information about the cookies we use and your choices
regarding cookies, please visit our Cookies Policy.
Use of Your Personal Data
The Company may use Personal Data for the following purposes:
To provide and maintain our Service, including to monitor the
usage of our Service.
To manage Your Account: to manage Your registration as a user of
the Service. The Personal Data You provide can give You access to
different functionalities of the Service that are available to You as a
registered user.
For the performance of a contract: the development, compliance
and undertaking of the purchase contract for the products, items or
services You have purchased or of any other contract with Us through the
Service.
To contact You: To contact You by email, telephone calls, SMS, or
other equivalent forms of electronic communication, such as a mobile
application’s push notifications regarding updates or informative
communications related to the functionalities, products or contracted
services, including the security updates, when necessary or reasonable
for their implementation.
To provide You with news, special offers and general information
about other goods, services and events which we offer that are similar
to those that you have already purchased or enquired about unless You
have opted not to receive such information.
To manage Your requests: To attend and manage Your requests to
Us.
We may share your personal information in the following
situations:
With Service Providers: We may share Your personal information
with Service Providers to monitor and analyse the use of our Service, to
contact You.
For Business transfers: We may share or transfer Your personal
information in connection with, or during negotiations of, any merger,
sale of Company assets, financing, or acquisition of all or a portion of
our business to another company.
With Affiliates: We may share Your information with Our
affiliates, in which case we will require those affiliates to honour
this Privacy Policy. Affiliates include Our parent company and any other
subsidiaries, joint venture partners or other companies that We control
or that are under common control with Us.
With Business partners: We may share Your information with Our
business partners to offer You certain products, services or
promotions.
With other users: when You share personal information or
otherwise interact in the public areas with other users, such
information may be viewed by all users and may be publicly distributed
outside. If You interact with other users or register through a
Third-Party Social Media Service, your contacts on the Third-Party
Social Media Service may see You name, profile, pictures and description
of Your activity. Similarly, other users will be able to view
descriptions of Your activity, communicate with You and view Your
profile.
Retention of Your Personal
Data
The Company will retain Your Personal Data only for as long as is
necessary for the purposes set out in this Privacy Policy. We will
retain and use Your Personal Data to the extent necessary to comply with
our legal obligations (for example, if we are required to retain your
data to comply with applicable laws), resolve disputes, and enforce our
legal agreements and policies.
The Company will also retain Usage Data for internal analysis
purposes. Usage Data is generally retained for a shorter period of time,
except when this data is used to strengthen the security or to improve
the functionality of Our Service, or We are legally obligated to retain
this data for longer time periods.
Transfer of Your Personal
Data
Your information, including Personal Data, is processed at the
Company’s operating offices and in any other places where the parties
involved in the processing are located. It means that this information
may be transferred to — and maintained on — computers located outside of
Your state, province, country or other governmental jurisdiction where
the data protection laws may differ than those from Your
jurisdiction.
Your consent to this Privacy Policy followed by Your submission of
such information represents Your agreement to that transfer.
The Company will take all steps reasonably necessary to ensure that
Your data is treated securely and in accordance with this Privacy Policy
and no transfer of Your Personal Data will take place to an organisation
or a country unless there are adequate controls in place including the
security of Your data and other personal information.
Disclosure of Your Personal
Data
Business Transactions
If the Company is involved in a merger, acquisition or asset sale,
Your Personal Data may be transferred. We will provide notice before
Your Personal Data is transferred and becomes subject to a different
Privacy Policy.
Law enforcement
Under certain circumstances, the Company may be required to disclose
Your Personal Data if required to do so by law or in response to valid
requests by public authorities (e.g. a court or a government
agency).
Other legal requirements
The Company may disclose Your Personal Data in the good faith belief
that such action is necessary to:
Comply with a legal obligation
Protect and defend the rights or property of the Company
Prevent or investigate possible wrongdoing in connection with the
Service
Protect the personal safety of Users of the Service or the
public
Protect against legal liability
Security of Your Personal
Data
The security of Your Personal Data is important to Us, but remember
that no method of transmission over the Internet, or method of
electronic storage is 100% secure. While We strive to use commercially
acceptable means to protect Your Personal Data, we cannot guarantee its
absolute security.
Children’s Privacy
Our Service does not address anyone under the age of 13. We do not
knowingly collect personally identifiable information from anyone under
the age of 13. If You are a parent or guardian and You are aware that
Your child has provided Us with Personal Data, please contact Us. If We
become aware that We have collected Personal Data from anyone under the
age of 13 without verification of parental consent, we take steps to
remove that information from Our servers.
If We need to rely on consent as a legal basis for processing Your
information and Your country requires consent from a parent, We may
require Your parent’s consent before We collect and use that
information.
Links to Other Websites
Our Service may contain links to other websites that are not operated
by Us. If You click on a third-party link, You will be directed to that
third party’s site. We strongly advise You to review the Privacy Policy
of every site You visit.
We have no control over and assume no responsibility for the content,
privacy policies or practices of any third-party sites or services.
Changes to this Privacy
Policy
We may update our Privacy Policy from time to time. We will notify
You of any changes by posting the new Privacy Policy on this page.
We will let You know via email and/or a prominent notice on Our
Service, prior to the change becoming effective and update the “Last
updated” date at the top of this Privacy Policy.
You are advised to review this Privacy Policy periodically for any
changes. Changes to this Privacy Policy are effective when they are
posted on this page.
Contact Us
If you have any questions about this Privacy Policy, you can contact
us:
By email: enquiries@wego.finance
By phone number: 0141 221 2600
Data Protection
WeGo Finance Ltd · Appointed representative of White Rose Finance Group Limited
WeGo Finance Ltd – (Referred to as ‘the
company’)
Introduction
The Company needs to gather and use certain information about
individuals.
This can include customers, suppliers, business contacts, employees
and other people the organisation has a relationship with or may need to
contact.
This policy describes how this personal data must be collected,
handled and stored to meet the company’s data protection standards — and
to comply with the law.
Why this policy exists
This data protection policy ensures the company;
complies with data protection law and follows good
practice
protects the rights of all individuals’ data
is open about how it stores and processes individuals’ data in
line with individuals’ rights
protects itself from the risks of a data breach
Data Protection Law
The General Data Protection Regulations describe how organisations—
must collect, handle and store personal information. These rules apply
regardless of whether data is stored electronically or otherwise.
To comply with the law, personal information must be;
processed lawfully, fairly and in a transparent manner in
relation to individuals;
collected for specified, explicit and legitimate purposes and not
further processed in a manner that is incompatible with those purposes;
further processing for archiving purposes in the public interest,
scientific or historical research purposes or statistical purposes shall
not be considered to be incompatible with the initial purposes;
adequate, relevant and limited to what is necessary in relation
to the purposes for which they are processed;
accurate and, where necessary, kept up to date; every reasonable
step must be taken to ensure that personal data that are inaccurate,
having regard to the purposes for which they are processed, are erased
or rectified without delay;
kept in a form which permits identification of data subjects for
no longer than is necessary for the purposes for which the personal data
are processed;
processed in a manner that ensures appropriate security of the
personal data, including protection against unauthorised or unlawful
processing and against accidental loss, destruction or damage, using
appropriate technical or organisational measures.
Record Keeping:
A range of information must be detailed in our internal records of
processing activities. Such areas include;
name and details of the organisation
include, if appropriate, details of other data controllers, the
organisation’s representative and data protection officer
purposes of processing the data
description of the categories of individuals and the categories
of personal data
categories of the recipients of personal data
details of transfers of data to third parties or abroad,
including details of safety mechanisms
retention schedules
technical and organisational security measures
The company ensures that records of these activities are kept and are
updated accordingly. Individuals’ data is kept on file for 6 years in
line with the Financial Conduct Authorities record keeping rules. After
which point, personal data is retracted to the point it is
unidentifiable and used for statistical purposes only.
Lawful Basis for Processing
Data
Under GDPR, it is a requirement that the company has a valid lawful
basis to process personal data, this should be documented. Most lawful
bases require that processing is ‘necessary’.
The lawful bases for processing are set out in Article 6 of the GDPR.
At least one of these must apply whenever the company process personal
data:
Processing is lawful under GDPR as:
(a) Consent: the individual has given clear consent for you to
process their personal data for a specific purpose.
(b) Contract: the processing is necessary for a contract you have
with the individual, or because they have asked you to take specific
steps before entering into a contract.
(c) Legal obligation: the processing is necessary for you to comply
with the law (not including contractual obligations).
(d) Vital interests: the processing is necessary to protect someone’s
life.
(e) Public task: the processing is necessary for you to perform a
task in the public interest or for your official functions, and the task
or function has a clear basis in law.
(f) Legitimate interests: the processing is necessary for your
legitimate interests or the legitimate interests of a third party unless
there is a good reason to protect the individual’s personal data which
overrides those legitimate interests.
The company has chosen this basis for processing data as it is
requested from the individuals that we capture data before entering into
a contract (e.g. provide a quote for finance).
Special categories of data may be captured by the company for
example, information about an individual’s:
You need to identify both a lawful basis for general processing and
an additional condition for processing this type of data.
If you are processing criminal conviction data or data about
offences, you need to identify both a lawful basis for general
processing and an additional condition for processing this type of
data.
Responsibilities
The company acts as a data Controller and data Processor. All staff
are responsible for ensuring that the highest data standards and best
practices are met on a continual basis.
Although a Data Protection Officer (DPO) has not been appointed as
the company does not fall within the scope, the Directors and Owners of
the Business are accountable and responsible for compliance with GDPR
and will take on the tasks appointed to them as if they were a DPO.
Data Protection Impact
Assessments (DPIA)
The company has a general obligation to implement technical and
organisational measures to demonstrate that data protection is
integrated into our processing activities. A Data Protection Impact
Assessment is conducted each time the company consider implementing
using new technologies
The DPIA will pertain at least;
a description of the processing operations and the purposes,
including, where applicable, the legitimate interests pursued by the
controller;
an assessment of the necessity and proportionality of the
processing in relation to the purpose;
an assessment of the risks to individuals;
the measures in place to address risk, including security and to
demonstrate that you comply.
Individuals Rights
Individuals now have more rights under GDPR, the company, these
are;
the Right to be Informed
the Right of Access
the Right to Rectification
the Right to Erasure
the Right to Restrict Processing
the Right to Data Portability
the Right to Object
rights in relation to automated decision making and
profiling.
The company provide every customer with a Privacy Notice at the point
data is captured.
The information supplied in this notice demonstrates how the company
is transparent over our data processing. The notice is;
concise, transparent, intelligible and easily
accessible;
written in clear and plain language, particularly if addressed to
a child; and free of charge.
We include details of (but not limited to);
the Data Controller, the lawful reason for processing data, if any
third parties have legitimate interests, categories of personal data,
categories of recipients such as banks and credit unions, the data
retention periods,
the individuals’ rights; including the right to withdraw, where the
individual can complain about how the data is processed with a
supervisory authority, source of data when it comes from a third party
and where personal data is part of a contractual requirement or
obligation.
Rectification
Individuals are entitled to have personal data rectified if it is
inaccurate or incomplete. If the company has disclosed the personal data
in question to third parties, then we will inform them of the
rectification where possible.
The company will respond to this request within one month or extended
by two months where the request for rectification is complex.
Erasure
Individuals have a right to have personal data erased and to prevent
processing in specific circumstances;
where the personal data is no longer necessary in relation to the
purpose for which it was originally collected/processed.
when the individual withdraws consent.
when the individual objects to the processing and there is no
overriding legitimate interest for continuing the processing.
the personal data was unlawfully processed (i.e. otherwise in
breach of the GDPR).
the personal data must be erased to comply with a legal
obligation.
the personal data is processed in relation to the offer of
information society services to a child.
under the GDPR, this right is not limited to processing that
causes unwarranted and substantial damage or distress. However, if the
processing does cause damage or distress, this is likely to make the
case for erasure stronger.
The company may refuse to comply with a request for erasure where the
personal data is processed for the following reasons;
to exercise the right of freedom of expression and
information;
to comply with a legal obligation for the performance of a public
interest task or exercise of official authority.
for public health purposes in the public interest;
archiving purposes in the public interest, scientific research
historical research or statistical purposes; or
the exercise or defence of legal claims.
If the company has disclosed the personal data in question to third
parties, a notification will be sent, informing them about the erasure
of the personal data, unless it is impossible or involves
disproportionate effort to do so.
Restrict processing
The company will restrict the processing of personal data in the
following circumstances;
where an individual contest the accuracy of the personal data, you
should restrict the processing until you have verified the accuracy of
the personal data.
where an individual has objected to the processing (where it was
necessary for the performance of a public interest task or purpose of
legitimate interests), and you are considering whether your
organisation’s legitimate grounds override those of the individual.
when processing is unlawful, and the individual opposes erasure and
requests restriction instead.
if you no longer need the personal data but the individual requires
the data to establish, exercise or defend a legal claim.
if any data has been disclosed to third parties, the company will
notify them about the restriction on the processing of the personal
data, unless it is impossible or involves disproportionate effort to do
so.
Portability
For personal data an individual has provided to a controller; where
the processing is based on the individual’s consent or for the
performance of a contract; and when processing is carried out by
automated means, the company must provide the personal data in a
structured, commonly used and machine-readable form. Open formats
include CSV files. Machine readable means that the information is
structured so that software can extract specific elements of the data.
This enables other organisations to use the data.
The company must provide this service free of charge.
If the individual requests it, we may be required to transmit the
data directly to another organisation if this is technically feasible.
The company will respond without undue delay, and within one month or
extended by two months where the request is complex or receive many
requests.
Objecting
If an individual has objected to processing data or direct marketing,
the company will cease to process the data.
Individuals must have an objection on “grounds relating to his or her
particular situation”.
The company will stop processing the personal data unless;
compelling legitimate grounds for the processing, which override
the interests, rights and freedoms of the individual; or
the processing is for the establishment, exercise or defence of
legal claims.
This is brought to the attention of the data subject at the first
point of communication and in our privacy notice. This is separated out
from any other information.
Direct marketing purposes
As soon as an objection is received, the company will stop processing
personal data for direct marketing purposes. This will be actioned at
any stage and is free of charge.
Automated
decision making including profiling
The company understand that any form of automated processing of
personal data intended to evaluate certain personal aspects relating to
a natural person, or to analyse, or predict that person’s performance at
work, economic situation, location, health, personal preferences,
reliability, or behaviour falls under this right. Where this is
conducted, the rules and guidance of the ICO will be adhered to and
followed. To date, the company does not conduct automated decision
making including profiling.
Subject Access Requests (SAR)
Individuals who are the subject of personal data held by the company
are entitled to;
confirmation that their data is being processed;
access to their personal data; and
other supplementary information – this largely corresponds to the
information that should be provided in a privacy notice
Individuals contacting the company requesting this information, this
is called a Subject Access Request.
The company will provide a copy of the information free of charge.
However, a ‘reasonable fee’ may be charged when a request is manifestly
unfounded or excessive, particularly if it is repetitive.
A reasonable fee may also be charged to comply with requests for
further copies of the same information. The fee is based on the
administrative cost of providing the information only.
Once the identity of the person making the request has been verified,
the information will be provided within 1 month, this will be extended
to 2 months if the request is complex. Notification will be made to the
individual if this is the case.
Complaints
It is made clear that data subjects who wish to complain about how
their personal data has been processed can raise this with the company
complaints procedure. If the data subject is still not happy, then the
complaint can be referred to the Information Commissioners Office.
Data Security and Storage
When data is stored on paper, it should be kept in a secure place
where unauthorised people cannot see or have access to it. These
guidelines also apply to data that is usually stored electronically but
has been printed out for some reason;
when not required, the paper or files should be kept in a locked
drawer or filing cabinet.
employees should make sure paper and printouts are not left where
unauthorised people could see them, like on a printer;
data printouts should be shredded and disposed of securely when
no longer required.
When data is stored electronically, it must be protected from
unauthorised access, accidental deletion and malicious hacking
attempts;
data should be protected by strong passwords or encryption
products;
if data is stored on removable media (like a CD or DVD), these
should be kept locked away securely when not being used;
data should only be stored on designated drives and servers and
should only be uploaded to an approved cloud computing
services;
servers containing personal data should be sited in a secure
location, away from general office space;
data should be backed up frequently. Those backups should be
tested regularly, in line with the company’s standard backup
procedures;
data should never be saved directly to laptops or other mobile
devices like tablets or smart phones;
all servers and computers containing data should be protected by
approved security software and a firewall.
The point that personal data is accessed is when it can be at
greatest risk of loss, corruption, theft, unlawful access, the company
will;
when working with personal data, employees should ensure the
screens of their computers are always locked when left
unattended;
personal data should not be shared informally. It should never be
sent by email, as this form of communication is not secure.
data must be encrypted before being transferred
electronically.
personal data should never be transferred outside of the European
Economic Area unless contractual arrangements are in place highlighting
adequate safeguards and protection to the rights of
individuals.
employees should not save copies of personal data to their own
computers. Always access and update the central copy of any
data.
Terms Of Business
WeGo Finance Ltd · Appointed representative of White Rose Finance Group Limited
Terms and Conditions & Complaints Handling Policy
The following information informs you about our business, the
services we provide to Clients, how we conduct business including
charges for the services we provide and commissions we may receive. It
also sets out policy over the general usage of this web site and our
copyright protection.
About The Company
Trading Name: WeGo Finance
Registered Company Name: WeGo Finance Ltd referred
to as ‘The Company’
Company Registration Number: SC896472
Company Registered Address: 14 Marchburn Drive, Pavillion 4, 1st Floor, Abbotsinch, Paisley, Scotland, PA3 2SJ
Main Office Address for Postal Communication: AiRhub, 14
Marchburn Drive, Paisley PA3 2SJ
E-Mail Address for Communication:
enquiries@wego.finance
Telephone Contact Numbers: 0141 221 2600
Financial Conduct Authority
(FCA)
The Company is Authorized and Regulated by the Financial Conduct
Authority (FCA) under the Firm Reference Number (FRN):
1061192
The Company operates as an Appointed Representative of Principal
Firm: White Rose Finance Group Ltd who have a Firm Reference Number of
630772
More information can be obtained by searching the Financial Conduct
Authority register: https://www.fca.org.uk/register
Data Protection Registration
The Company is registered with the Information Commissioners Office
for Data Protection Purposes.
More information can be obtained from the Information Commissioners
Office web site: https://www.ico.org.uk
Data Protection Number: ZC204939
How We Conduct Business
The Company operates in the market as a Credit Broker, we are not a
Lender and we do not lend our own money.
As a Credit Broker we provide a range of financial brokerage services
to business and personal clients (herein referred to as ‘the
Client’).
The Company is not tied to any lender or group of lenders and
operates on a whole of market basis, we source appropriate financial
services and products for our Clients from a broad range number of
lending organizations with whom the company has a professional broker
agreement.
The policy of the Company is to provide our Clients an unbiased and
impartial service and to recommend the most appropriate and cost
effective financial products matching their declared needs, borrowing
requirements and personal / business financial means and
circumstances.
Our
Duty Of Care And Policy On Treating Customers Fairly
The Company works under the control of the Financial Conduct
Authority (FCA) and is authorized and regulated as detailed above.
In dealing with Clients our duty of care dictates that it all cases
the recommendation we make will be based on the best and most
appropriate solution for the client given the information provided to
the Company.
In providing our services and support to a client we will normally
request ‘Fact Finding’ information pertaining to the overall financial
means of the Client, Asset and Liability position, credit status and
general personal / company profile.
All information provided by Clients to the Company in this regard is
treated as confidential and will be handled in accordance with the Data
Protection Act as set out by the Information Commissioners Office under
which the Company is registered as detailed above.
More details on data protection can be obtained from the Information
Commissioners Office (ICO) via the web site: https://www.ico.org.uk
Debt
Serviceability / Vulnerable Clients Policy / Client Risks
Our duty of care and regulatory obligations dictate that in all
Client engagements we should take all possible steps to ensure that the
following conditions are met:
1)- Any product or service we are recommending to a Client can be
demonstrated to be adequately affordable to the client without the risk
of financial hardship occurring either at the time of engagement or if
circumstances change during the term of the loan, lease or mortgage.
This is referred to as ’ Debt Serviceability Criteria’ and if, in the
view of the Company, the requested borrowing requirements cannot be
adequately afforded this advice will be provided to the Client.
2)- That we take all possible steps to identify any ‘Vulnerable
Clients’ who, and for whatever reason, may not be in a position to fully
understand the terms and conditions of any financial service being
requested. In such cases the Company will provide appropriate advice to
the Client.
3)- That we advise all Clients of the associated risks and possible
consequences should they not be able to make the regular scheduled
payments during the agreed term for any loan, lease or mortgage etc.
taken out.
Credit Profile Searches
In providing our services it may be necessary for a recommended
Lender to complete a formal credit search on a Client or the Clients
business and if this is required the Company will always seek the prior
approval of the Client before such a search is carried out.
In completing any of the Personal Financial Profile or Business
Financial Profile or general fact finding documents that we may provide
to you in the course of providing our services, it is considered
implicit that you agree to such credit searches being carried out.
Services
Provided To The Client At No Charge And Without Obligation
A minimum of one free consultation is provided to all our Clients and
by arrangement this may be conducted either via telephone or a face to
face meeting either at The Company offices or the Clients premises.
Following the initial free consultation(s) and fact finding process
the company will advise the client on the most appropriate and cost
effective actions to achieve the clients stated financial objectives and
borrowing requirements.
The advice and recommendations will be delivered to the Client in the
form of a summary report issued by the Company. Under normal
circumstances the report will contain a recommended Lenders Agreement in
Principle (AIP) or a number of alternative options for consideration to
support the borrowing requirement, and also a Funding Services Agreement
(FSA).
The AIP will contain details of the in principle offer(s) obtained
for the client to consider along with lending rates, fees and other
charges which may be payable.
The FSA will detail the schedule of services to be provided to the
Client by the Company should they wish to proceed, the terms of
engagement and any fees that the company will charge for providing its
services and when these fees fall due. The FSA will point out the risks
to the Client should they fail to keep up with the agree payment
schedule on any Loan, Lease or Mortgage being arranged on their
behalf.
There is no obligation on the Client to accept any offer of funding
recommended by the Company by way of the summary report and the Company
will not apply any charges for the services provided to that point.
The client has the opportunity to review the summary report (AIP and
FSA ) as referred to above and to instruct the company to proceed or
otherwise. Should the client wish to proceed he will be asked to sign
and return the FSA document which is a formal and binding agreement
under these terms of business. Upon receipt the company will initiate
all necessary action to provision the financial service(s) as outlined
in the summary report (AIP and FSA).
Commissions
Received And Charges For Our Services
The company or its Case Packager may receive commissions paid by the
lending organizations with whom it has brokerage agreements and to whom
it may recommend the Client.
If a commission payment is to be received from Lenders either to the
Company or to a Packager this will be fully disclosed to the Client and
will be stated either on the summary report (AIP and FSA) as referred to
above OR in the loan, lease or mortgage offer issued to the client
directly from the lender.
The Company may also charge fees directly to the client for the
provision of its services including the arranging and managing finance
applications through to successful completion. Any fees to be charged
will we clearly stated to the client.
Other than any requested advance commitment fee requested to cover
expenses incurred by the Company the fees charged by the company will
only be applied on successful conclusion of the financial service
transaction.
The definition of ‘successful conclusion’ means the delivery to the
Client of a formal offer of funding from a recommended lender pertaining
to any loan, equipment lease, commercial mortgage, cash-flow solution or
any other financial service which has been requested by the Client and
under which matter which the Company has received a formal instruction
to proceed.
For the avoidance of doubt, other than services which would be deemed
to fall under the Consumer Credit Act (2006) should the Company deliver
to the client the formal offer of funding and the client (for whatever
reason) decides not to complete the transaction then the agreed fee
remains due for payment in full.
Case Packaging And Locum
Services
In providing services to Clients the Company will generally use the
case packaging and Locum support services of its FCA Principal firm
which is White Rose Finance Group Ltd.
The term ‘Packaging’ in this context refers to the preparation and
submission of any lender application documentation and supporting
information in to the proposed lender in order to secure and deliver a
formal offer of funding to the Client.
The term ‘Locum Support’ in this context means the provision of
ongoing support services to the Client in the event that the Company
cannot, for whatever reason (including staff illness or holiday periods)
provide continuity of service.
Use Of This Web Site
Please review the following terms and conditions concerning your use
of the Web Site. By accessing, using or downloading any materials from
the Web Site, you agree to follow and be bound by these terms and
conditions (the “Terms”). If you do not agree with these Terms, please
do not use this Web Site.
General Web Site Usage
Provisions
All materials provided on this Web Site, including but not limited to
information, documents, products, logos, graphics, sounds, images,
software, and services (“Materials”), are provided either by The Company
or by their respective third party manufacturers, authors, developers
and vendors (“Third Party Providers”) and are the copyrighted work of
The Company and/or its Third Party Providers.
Except as stated herein, none of the Materials may be copied,
reproduced, distributed, republished, downloaded, displayed, posted or
transmitted in any form or by any means, including but not limited to
electronic, mechanical, photocopying, recording, or other means, without
the prior express written permission of The Company or the Third Party
Provider. Also, you may not “mirror” any Materials contained on this Web
Site on any other server without prior express written permission.
Except where expressly provided otherwise by The Company nothing on this
Web Site shall be construed to confer any license under any of The
Company or any Third Party Provider’s intellectual property rights,
whether by implication, or otherwise you acknowledge sole responsibility
for obtaining any such licenses.
See the “Legal Contact Information” below if you have any questions
about obtaining such licenses. Materials provided by Third Party
Providers have not necessarily been independently reviewed, tested,
certified, or authenticated in whole or in part. The Company does not
promote, recommend, provide, sell, license, or lease any of the
Materials other than those specifically identified as being provided by
The Company. The Company hereby grants you permission to display, copy,
distribute and download The Company materials on this Web Site provided
that: (1) both the copyright notice identified below and this permission
notice appear in the Materials; (2) the use of such Materials is solely
for informational use and will not be copied or posted on any networked
computer, broadcast in any media, or used for unofficial dissemination;
and (3) the Materials are not modified in any way.
This permission terminates automatically without notice if you breach
any of these terms or conditions. Upon termination, you will immediately
destroy any downloaded or printed Materials. Any unauthorized use of any
Materials contained on this Web Site may violate copyright laws,
trademark laws, the laws of privacy and publicity, and communications
regulations and statutes.
Links To Third Party Sites
This Web site may contain links to web sites controlled by parties
other than The Company who are not responsible for and do not endorse or
accept any responsibility for the contents or use of these third party
web sites. It is your responsibility to take precautions to ensure that
whatever you select for your use is free of viruses or other items of a
destructive nature.
Disclaimer
Where expressly provided otherwise by the company the materials on
the web site are provided “as is”, and the company hereby disclaims all
express or implied representations, warranties, guaranties, and
conditions, including but not limited to any implied warranties or
conditions of merchantability, fitness for a particular purpose, title
and non-infringement, except to the extent that such disclaimers are
held to be legally invalid. The company makes no representations,
warranties, guaranties, or conditions as to the quality, suitability,
truth, accuracy, or completeness of any of the materials contained on
the web site. Limitation of liability shall not be liable for any
damages suffered as a result of using, modifying, contributing, copying,
distributing, or downloading the materials. In no event shall the
company be liable for any indirect, punitive, special, incidental, or
consequential damage (including but not limited to loss of business,
revenue, investment, profits, use, data or other economic advantage),
however it arises, whether in an action of contract, negligence or other
tortious action, arising out of or in connection with the use or
performance of information available from this web site, even if the
company has been previously advised of the possibility of such damage.
You have sole responsibility for the adequate protection and backup of
data and/or equipment used in connection with the web site and you will
not make a claim against the company for lost data, re-run time,
inaccurate output, work delays, or lost profits resulting from the use
of the materials. You agree to hold the company harmless from, and you
covenant not to sue the company for, any claims based on or related to
the use of the web site.
The Company and its suppliers control this Web Site from its
headquarters in the United Kingdom and makes no representation that
these Materials are appropriate or available for use in other
locations.
The service is hosted by a third party in the UK at a location other
than the company headquarters and as such you should be aware that any
data that you submit travels to a secure server in another location. If
you use this Web Site from other locations, you are responsible for
compliance with applicable local laws including but not limited to the
export and import regulations of other countries.
General Information Provided
This Web Site may include inaccuracies or typographical errors. The
Company and the Third Party Providers may make improvements and/or
changes in the products, services, programs, and prices described in
this Web Site at any time without notice.
The Company may periodically make changes to the Web Site. Any action
related to these Terms will be governed by the law prevailing in England
and Wales and any superior European Union Law. These terms represent the
entire understanding relating to the use of the Web Site and prevail
over any prior or contemporaneous, conflicting or additional,
communications. The Company has the right to revise these Terms at any
time without notice by updating this posting. Any rights not expressly
granted herein are reserved by The Company
Intellectual
Property And Trademark Notices
Elements of the Web Site may be protected by trade mark protection
and other laws and may not be copied or imitated in whole or in part. No
logo, graphic, sound or image from the Web Site may be copied or
re-transmitted unless expressly permitted by The Company.
The Company logo is a registered trademark and copyright protected.
It must not be copied or reproduced in any way.
Legal Contact
If you have any questions about these Terms, or if you would like to
request permission to use any Materials, please contact The Company by
post at the company main office address as stated above.
