1. Our Service
GA Finance & Leasing Ltd provides an intermediary introductory service by which you can order vehicles from third party suppliers and arrange finance from major lenders at our exclusive pre-negotiated rates. You will therefore be entering into up to three separate arrangements, one with us to provide you with the intermediary introduction service, one with the supplier to provide you with the vehicle and a finance agreement with the lender.
2. The Website
2.1.1. The website and all of its material is owned by GA Finance & Leasing Ltd. This particularly identifies that “GA Finance & Leasing Ltd ” and www.finance4cars.co.uk and its logo are registered trade marks of GA Finance & Leasing Ltd. In addition, some or all of our website's material is not allowed to be stored and or copied (electronically or in hard copy) without obtaining written authorisation from GA Finance & Leasing Ltd. However, it is possible to replicate some or all of the material for non-commercial and personal use. Our website also prohibits being used in conjunction with any illegal or unlawful purposes.
2.1.2. Our company is committed to maintaining accurate and undisrupted available information on our website. However, we don't accept liability or responsibility for technical mistakes or typographical errors and omissions should they appear on our website. In addition, for maintenance purposes, our website may become unavailable should this occur we will not accept liability for any losses that result from this action.
2.1.3. The specifications of the vehicles such as its description and photos are meant only to be a general portrayal of the Vehicles described in them. The vehicle photographs may include optional extras and can therefore not be viewed as representing the exact vehicle you chose.
2.1.4. The products and services available from our website aren't under warranty from GA Finance & Leasing Ltd above the level stated in our Terms and Conditions and as specified by your statutory rights.
2.1.5. Our website can facilitate your purchases of products and services from our third party partners. However, these products and their respective contracts will be solely between you and our third party partner and hence subject to their terms and conditions. GA Finance & Leasing Ltd will not be accountable for any part of the contractual relationship between you and these third parties.
2.1.6. GA Finance & Leasing Ltd make every effort to comply to the Consumer Protection (Distance Selling) Regulations 2000 and our terms and conditions are not meant to replace them.
2.1.7. Where our website contains advertisements and sponsorships it will be the advertiser or sponsors responsibility to ensure that their material abides by the legal and regulatory specifications. Our company doesn't accept responsibility for mistakes in any advertising material.
2.1.8. GA Finance & Leasing Ltd reserves the right to change or alter their Terms and Conditions without notification to you. By continuing to use the website following these changes you are agreeing to abide by these changes.
2.1.9. There is no obligation for us to sell any vehicles displayed or quoted on our website. In addition, we hold to the right to refuse to sell, supply or accept an Order Request form without justification.
3. Customer Information
This website is aimed for use by those at least 18 years old and a UK resident (excluding the Channel Islands and the Isle of Man). Before submitting information to us, you should ensure all your contact information and vehicle details are correct.
4. Pricing and Payment
4.1 - We genuinely try to keep our website prices correct but it is possible and acceptable for errors to occur and those errors to be corrected without notice. Additionally, if errors do emerge we may wish to cancel or withdraw a quoted vehicle price or finance offer.
4.2 - The finance calculator included in our site is intended to give indicative costs of finance only. Following the completion of one of our Internet enquiry forms you will you will be contacted to be given a fixed quote either by ourselves or direct from our chosen third party partners.
4.3 - An introducer fee (payable by credit or debit card) will be required from you before we set up the introduction to our third party suppliers. This fee covers our work and costs involved in our business activities that culminate in your acceptance of the quote and the successful introduction to our appropriate third party partner. The value of this fee will be 1.5% of your loan amount with the minimum fee payable being £195.00. This fee is only refundable if our funding partner declines to offer you finance.
4.4 If your finance application is accepted we may also receive an introductory commission from the funding partner we introduce you to.
5. Your Order
Once we have introduced you to our chosen funding partner, all further correspondence will be direct with this partner who will communicate directly with you to finalise the details of your finance application and arrange for the delivery of your car.
6. Delivery
6.1 You will be advised of an approximate delivery date which should be perceived only as an indicator of the delivery date. However, on occasions (usually due to the manufacturing process) this date may be delayed. Should this happen, we will inform you as quickly as possible. We will not be held liable for any damages related to the delay. IMPORTANT: if you are advised that your order will be a FACTORY ORDER' this means that the delivery delays will be beyond our control and therefore we will not be able to offer you any cancellation rights (even if there are extended delays). You may choose between collecting your vehicle or having the vehicle delivered. An additional charge will be incurred where you wish to have the vehicle delivered by transporter over a distance of more than 100 miles.
7. Part Exchange Vehicles
Our company is able to offer part exchange services via the supplying dealer or third party supplier. Where a third party supplier is involved care must be taken to ensure the transaction is completed before the delivery of the new vehicle to enable the necessary funds to be paid to the supplying dealer before the final delivery date. If the deal is between yourself and the supplying dealer the Part-Exchange can be used directly as part of your payment towards your new vehicle provided:
7.1.1 - You own the part-exchange vehicle and that the vehicle has no encumbrances, or has one/more encumbrances that can be rectified through a cash settlement. Subsequently, the necessary amount will be charged in order to rectify the encumbrances and deducted from the Part-Exchange Valuation.
7.1.2 If necessary, the supplying dealer has the opportunity to inspect the part-exchange vehicle to ensure it has a suitable Part-Exchange Valuation Price.
7.1.3 The condition of the vehicle that was valuated is very similar to the one which is being received and that the statements and representations made by you are accurate. In addition, you have notified the supplying dealer of all the relevant facts about the vehicle that will affect the vehicle's valuation.
7.1.4 The part-exchange vehicle will transfer to the supplying dealer when (or before) the new vehicle is delivered and the title in your part-exchange will transfer to supplying dealer absolutely upon collection.
7.1.5 Unless formally agreed otherwise, the part exchange vehicle is suitable to be driven on public highways and has a valid MOT and road tax. In addition, the necessary part - exchange vehicle documentation: V5C registration certificate, valid MOT certificate, service history and standard equipment (i.e. spare wheel) is available when the vehicle is collected.
7.2 If one or more of the above conditions above are violated the supplying dealer will cease to have an obligation to purchase your Part-Exchange Vehicle or confirm the Part-Exchange Valuation. Subsequently, the supplying dealer will be entitled to:
7.2.1 charge you the full price without the part-exchange vehicle.
7.2.2 make an appropriate deduction from the part exchange vehicle valuation to compensate for the inconvenience, losses, expenses or charges that were incurred, but continue to accept the part-exchange vehicle as part payment to the price.
7.3 If you refuse to let the supplying dealer collect the part exchange vehicle within 30 days of the date of part-exchange vehicle was valued or if the total mileage exceeds the estimated mileage used in conjunction with the part-exchange valuation. The supplying dealer will be allowed to recalculate the value of your part-exchange vehicle considering the new factors which may consequently reduce their valuation of your part-exchange vehicle. You also accept to pay the price agreed but with the new recalculated value of your part-exchange vehicle.
7.4 If you decide to cancel the Contract after the supplying dealer has collected your Part-Exchange vehicle with the agreed part-exchange valuation. It will be up to their discretion as to whether return the part exchange vehicle or to return a sum of money equal to the part-exchange valuation of your vehicle.
8. Cancellations, Returns and Refunds
8.1 Once you have received acceptance of finance from our funding partner the vehicle order specifications and prices will remain fixed unless:
8.1.1 You make changes to the vehicle specification that are reasonable and practical and you are willing to pay for any increased cost. Generally, the quicker we know about your desired changes the more likely these changes will be possible.
8.1.2 If the manufacturer decides to alter the specification, price or model from a generic vehicle, you can choose to accept the changes (paying the additional costs) or cancel your previous order.
8.2 In respect to your cancellation rights under the Consumer Protection (Distance Selling) Regulations 2000 it is important to note that once you have given us consent in either oral (your consent being confirmed by you supplying your credit card details to us over the phone), or written, (e.g. by email, fax or letter) form for our service to start before the usual cancellation period ends you will lose your rights to cancel our service and any rights to a refund of our introducer fee in accordance with these Regulations.
8.3 - Outside the scope of the Consumer Protection (Distance Selling) Regulations 2000, GA Finance & Leasing Ltd, will offer you a full refund of any introducer fee paid to us by you if our funding partner declines to offer you finance, unless, we are able to secure you an offer of finance with an alternative lender at rates and terms accepted by you.
8.4 - Any refunds given will only be refunded to the same credit or debit card that the introducer fee was taken from.
9. Handling your complaints
Our company is committed to providing a good service. However, should there be any reason for complaint we will try to resolve the issue as quickly and as fairly as possible. The time scale concerning the dispute largely varies depending on the nature of the issue but we will keep you informed with our progress as well as sending you confirmation that we have received your complaint. To submit a complaint, please send a written letter or email to: 29A Grosvenor Road, Ripley, Derbyshire DE5 3JE.
10. Events Beyond our Control
Although GA Finance & Leasing Ltd fully obeys it Terms and Conditions it may not be held accountable for a failure to do so if it is a result of circumstances beyond our control such as acts of god, war, civil disorder or industrial disputes.
11. Governing Law and Jurisdiction
These Terms and Conditions are implemented and governed by English Law and will be subject to the exclusive jurisdiction of the English Court.
12. Copyright
Product information extracted from our website is prohibited without prior written permission by us. In addition, all our content, graphic, logos and databases are the copyright of G.A Finance and Leasing Limited unless stated otherwise.
13. Severability
Our Terms and Conditions shall be read as separate and independent paragraphs, sub-paragraphs and clauses. Should individual aspects of the Terms and Conditions be found invalid it will not affect the rest of the Terms and Conditions.
14. Waiver
If G.A Finance and Leasing Limited does not implement its rights as stated by our Terms and Conditions this doesn't suggest that these rights have been waived (unless we have acknowledged such a waiver in writing).
15. Entire Terms and Conditions
These Terms and Conditions represent the complete agreement between you and G.A Finance and Leasing Limited. It is possible for us to change these Terms and Conditions without prior notice to you.
16. License
G.A Finance and Leasing Ltd permits our clients to access the content and services offered on our website for your individual use. This includes allowing you to download and cache certain pages from our website. However, our license doesn't authorise for individual pages and large parts of our website to be adjusted or available from an intranet. All aspects of our website design may not be replicated or edited without full written authorisation from our company. Third Parties are not authorised to deep link our website without prior written permission. Any links to our website must be to our homepage and must not be offensive. Note: This constraint doesn't apply to our associated partners who are eligible to send customers directly to a certain page or product.
17. Reasonably Foreseeable Losses
G.A Finance and Leasing Limited provide an introduction between a vehicle purchaser a funding partner and UK Vehicle supplier but it must be emphasised that a contract to purchase a vehicle exits only bewteen the customer and funding partner. Accordingly, We aren't liable for any losses that come as a result of the interactions between you and the supplying dealer. It is the supplying dealer's terms and conditions that would be liable for any losses. If you incur losses due to us violating our Terms and Conditions we will be liable if such losses were reasonably foreseeable at the time we took out a contract with you.
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