Terms of Service

These terms and conditions (“Terms of Service”), govern the use of the credit broking service (“Service”) provided by Factoring & Finance Review (“we”, “us”, “our”) to any business registered with us (“you”, “your”).

Who we are

Factoring & Finance Review is a trading name of Factoring & Finance Independent Review Services Limited and is incorporated in England & Wales with its registered office at 164 Walkden Road, Worsley, Manchester, England, M28 7DP (company number 10508405), and is registered with the Information Commissioner's Office (reference number ZA232503).

We are a credit broker, not a lender. We work with multiple Finance and service Providers, with lending criteria or services that we aim to match with your unique circumstances in order to support your requirements. We will only refer you to the Finance or service Providers that we believe closely matches with your requirements.

Although your business may be introduced to one of our lenders or service providers, they may opt out of the shortlist of Finance or service Providers who might potentially provide financing or services to your business.

Limitations of our service

The online service is not intended as advice or to be relied upon by you in any way; including as the basis for making or not making any decision and you should obtain your own independent financial, accounting, tax and/or legal advice concerning your activities in connection with the Service and any finance application and/or agreement.

We do not provide debt counselling or debt advice. If you believe you require support in this area, we suggest you contact your accountant who will be able to provide you with the relevant advice.

You use and download information from the service at your own risk and you should use software to detect and disinfect viruses in any information you use and download.

We cannot guarantee that our service will be successful for you, neither are we obliged to provide our service to you.

Our Service is intended for your own business-related purposes only.

Our service is based on information from third parties over which we have no control and may contain inaccuracies or errors.

It is your responsibility to ensure that any introductions for products or finance made through our service meets your requirements. Content and information provided as part of the service may not be timely or correct and will change without notice, meaning that it is for your general information and use only.

To support free usage of our service, we must expressly exclude liability for any inaccuracies, service failures or errors to the fullest extent permitted by law. Accordingly, we cannot provide any warranty or guarantee as to the accuracy, timeliness, performance, completeness or suitability of the information offered through the Service.

To the extent permitted by applicable law, each party shall only be liable to the other party for any loss or damage which results as a directly foreseeable consequence of its breach of this Agreement or negligence (except in the case of fraud or wilful misconduct).

While the service is free of charge to you, we may receive a commission payment from Finance or service Providers for introductions we make to them.

We reserve the right to change any aspect of the service at any time without notice or to suspend access to the service, or end it.

Your usage and responsibilities

By using the service, you agree to notify us promptly of any changes in the details you have provided to us. You shall ensure that all information you provide to us is complete, true, up-to-date and accurate in all respects. You are solely responsible at your own cost and expense for creating backup copies and replacing any information you provide via the service.

You agree that we may carry out identity verification and credit checks on you and your owners or directors. You and your owners or directors acknowledge that credit reference agencies link together the records of you and anyone that you have advised is a financial associate (e.g. someone with whom you have a joint credit account) including previous and subsequent names of parties to the account. Links between financial associates will remain on theirs and yours credit reference files until such time as you or your associate successfully files for a disassociation with the credit reference agencies. We and any Finance Provider may take into account information about yours and your owner’s or director’s financial associates in yours or their credit reference.

You agree not to use the Service in a way that harms our reputation and you agree to comply with all applicable laws and regulations, including the Data Protection Act 1998.

You agree to indemnify and hold us, our staff, officers, group companies and partners harmless from loss, damage or claim, made by third parties and/or incurred as a result of your breach of these terms.

We will make reasonable efforts to provide support for the Service by email on [email protected]

You are not permitted to use this Service to

Transfer any information from the Service to any third party except where expressly permitted by us

Register any person or entity on, or otherwise use, the Service without that person or entity's prior written authorisation

Create a database of information obtained from this Service otherwise than for your own records

Use the Service in any unlawful manner or in any manner that could harm the Service or the servers on which it is hosted

Collect any information of other users from the Service for the purpose of sending unsolicited communications outside the Service

Client’s Money

Factoring & Finance Review does not hold or in any way handle any client monies whatsoever.

Complaints

If you feel that you need to raise a complaint, please follow our complaints procedure within our online platform and we will aim to resolve the matter within the stated timescales.

If at any time you wish to cease using the Service, you may contact us to request the removal of your data. Within a reasonable time of this notification, we will remove any third-party data access you may have given us. Historical data will be maintained by us as described below.

Specified information

The name of the small or medium sized business

The postal address, email address and telephone number of the business

The amount of finance requested by the business

The type of finance requested by the business (where a specific type of finance has been requested by the business)

The legal structure of the business (limited company, limited partnership, partnership sole trader, or other)

The period in years and months for which the business has been trading and receiving income

The date by which the business requires finance or, if such date is not known, the date by which the business has requested finance.

Other Terms

Your use of the Service is subject to English law and we both agree to submit to the jurisdiction of the English courts to settle any dispute that might arise. We reserve the right to vary these terms and conditions at any time, including assigning these terms.

We may send any notices to you by email to the address provided when you first utilised our Services, or otherwise as updated by you through the Service. You agree that we may send you notice via email or via alerts within the service.

If any provision of these terms is found to be invalid or unenforceable, the remaining provisions shall remain enforceable. Failure to exercise or enforce rights or provisions shall not constitute a waiver.