1. Our Service
1.1. GA Finance and Leasing Ltd (“the Company”) operates the website www.finance4cars.co.uk and provides an intermediary service (“the Service”) that matches a customer’s financial requirements with an appropriate financial product and then makes an introduction to a UK lender with which the Company has pre-negotiated terms. Finance quotations are free. However, all applicants for credit will be charged a broker fee before being introduced to a lender. This fee will be discussed and agreed at the point of sale, typically 1.75% of the amount borrowed.
1.2. In addition to our financial services, we are able to source new and used cars from our extensive network of dealer contacts at best price and availability. Separate fees may apply.
2. The Website (www.finance4cars.co.uk)
2.1. The website and all of its material is owned by G A Finance and Leasing Ltd. www.finance4cars.co.uk and its logo are registered trade marks of the Company. In addition, the information contained in the Company’s website is not allowed to be stored and/or copied (electronically or in hard copy) without first obtaining the written permission from the Company. It is also prohibited to use the website for any illegal or unlawful purpose.
2.2. The company is committed to maintaining accurate and undisrupted information on our website. However, it does not accept liability or responsibility for technical mistakes or typographical errors and omissions should they appear on its website. In addition, for maintenance purposes, its website may become unavailable should this occur we will not accept liability for any losses that result from this action.
2.3. The Company facilitates the arrangement of finance with a third party UK lender and your finance agreement is direct with the lender and you will be bound by their terms and conditions.
2.4. Any advertisement or sponsorship or product included in the Company’s website and offered for sale by third parties shall be subject to the terms and conditions of that third party.
2.5. The Company reserves the right to change or alter their Terms and Conditions without notification. By using the website following any changes to the terms, you agree to be bound by the changes.
2.6. There is no obligation for the company to introduce you to a lender.
3. Customer Information
3.1. 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 is correct. The information supplied to the Company in advance of it submitting a proposal to a UK lender must be accurate; failure to supply accurate information will result in the customer losing their cancellation and refund rights. The completion of an enquiry form gives the Company the right to contact you directly to provide you with a fixed quote.
3.2. In the provision of the Service, we may collect certain personal information relating to you (such as your name, address, bank or credit card details, telephone number and e-mail address) ("Customer Information"). The Company is committed to protecting your privacy.
3.3. We will not collect or process sensitive information relating to you without your explicit consent and your Customer Information will be processed by us for the purpose of :
i. the provision of the Service; and
ii. to check your credit record with any credit reference agencies and for fraud prevention purposes (which will include the supply of your Customer Information to third parties for such purposes) should you decide to apply for finance.
3.4. By agreeing and paying for the Service, you agree to the processing and disclosure of the Personal Information. You also agree that the Purposes for the processing may be amended to include other uses or disclosures of Personal Information following notification to you.
3.5. We agree to keep all Personal Information in a secure environment and will comply with the Data Protection Act 1998 and any other applicable data protection legislation currently in force.
3.6. If you wish to update or correct any inaccuracies in your Customer Information or if you have any other comments or complaints in relation to the Service please let us know by e-mail to email@example.com
3.7. In accordance with the Privacy & Electronic Communications Act 2003 we do not send random marketing emails to personal email addresses.
4. Finance Quote
Quotations are free. However, all applicants for credit will be charged a broker fee before being introduced to a lender. This fee will be discussed and agreed at the point of sale, typically 1.75% of the amount borrowed. The prices quoted on the Company’s website are illustrative only and do not constitute a quote or an offer of finance. Rates are correct at time of publication of the website. All applicants for credit must be over 18 and a UK resident. All applications are subject to acceptance. Indemnities may be required in some circumstances. All monthly payments on vehicles financed for personal use are inclusive of VAT. E&OE.
5. Cancellations and Refunds
The provision of the Service terminates at the point of the introduction, and as the lender is registered with the FSA, the customer will be required to waive any cancellation or refund rights afforded to them under the Consumer Credit Act 1974 – as updated by the Consumer Credit Act 2006 (for supporting documentation please visit http://www.derbyshire.gov.uk/images/ft20_tcm9-8199.pdf). The Company offers a discretionary full refund of the broker fee if the lender declines to offer the customer finance. The information supplied to the Company in advance of it submitting a proposal to a UK lender must be accurate; failure to supply accurate information will result in the customer losing their cancellation and refund rights. Any such refund must be requested in writing and will be refunded within 30 days to the same credit or debit card that was originally used.
6. Handling your complaints
The company is committed to providing a good service. However, should there be any reason for complaint it will try to resolve the issue as quickly and as fairly as possible. The time scale of any dispute varies depending on circumstance and the Company will use reasonable endeavours to keep you informed of progress as well as sending you confirmation that it has received your complaint. To submit a complaint, please write to: Customer Services, GA Finance & Leasing Ltd, 29A Grosvenor Road, Ripley, Derbyshire DE5 3JE, or e-mail us at firstname.lastname@example.org.
7. Events Beyond the Company’s Control
The Company makes reasonable endeavours to fully comply with its Terms and Conditions although it is accountable for a failure to do so as a result of circumstances beyond its control such as acts of god, war, civil disorder or industrial disputes.
8. 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.
The copying or re-presentation of information from the Company’s website is strictly prohibited without first obtaining its written permission. In addition, all content, graphic, logos and databases are the copyright of the Company unless stated otherwise.
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.
If the Company does not implement its rights as stated in our Terms and Conditions this doesn't mean that these rights have been waived (unless we have acknowledged such a waiver in writing).
12. Entire Terms and Conditions
These Terms and Conditions represent the complete agreement between you and the Company. It is possible for us to change these Terms and Conditions without prior notice to you.
The Company permits its clients to access the content and services offered on its website for individual use. This includes allowing you to download and cache certain pages from its website. However, this doesn't allow individual pages and large parts of our website to be adjusted and/or made available from an intranet. All aspects of its website design may not be replicated or edited without full written authorisation from the Company. Third Parties are not authorised to “deep link” the website without prior written permission. Any links to the website must be to the Company’s homepage and must not be offensive. Note: This constraint doesn't apply to associated partners who are eligible to send customers directly to a certain page or product.
If you have any questions relating to our terms & conditions, please contact us.