Terms and Conditions on use of our website

Company Details

Change Finance Ltd is a credit broker and arranges finance through a panel of lenders.

The registered office of Change Finance Ltd is at The Smithy, Woodgate Stables, Crawley Lane, Kings Bromley DE13 7JF.  Registered in England and Wales No: 4517084

The company undertakes business only within the United Kingdom and all details on this site are for the information and use of United Kingdom residents only.

Access and use of the site shall be governed by the Laws of England and Wales and in the event of any dispute shall be exclusively subject to the jurisdiction of the Courts of England and Wales.

General disclaimer and terms

We have taken all reasonable care to ensure that the information contained within this site is accurate, up to date and meets all regulatory and legal requirements within the United Kingdom. No liability will be accepted for inaccuracies, errors or omissions and no grants or specific warranties with regard to the information on the site are given by

Neither Change Finance Ltd, nor its employees, directors, representatives or agents to the fullest extent permitted by law will be liable for any loss, expenses or damages arising out of a claim in connection with the use of this site however caused.

The terms ‘Change Finance Ltd,’ ‘us’ or ‘we’ refer to Change Finance and its group members whose registered office is at The Smithy,  Woodgate Stables, Crawly Lane, Kings Bromley. DE13 7JF.

Data protection

Change Finance Ltd is registered under the Data Protection Act and full details can be found there regarding the purpose and use of any personal data recorded and stored by Change Finance Ltd

Under the terms of the Data Protection Act 1998 you are entitled to know how we intend to use any information you provide and to see copy details of personal data held about you for which you may be charged as laid down by the act itself. 

Privacy

Change Finance Ltd does respect and protect your privacy both as an individual and, where applicable, a business. Information held will be treated in the strictest of confidence and only disclosed to those organisations with which we have contractual or partnership arrangements in place and will be used to facilitate contacts between prospective customers and suppliers of services.

We will not sell or knowingly pass details of you to any other organisation without your agreement or consent.

We may occasionally send you information about products and services we feel may be of specific interest to you, but if you do not wish to receive these you can elect not to by sending an email to us at: enquiries@changefinancegroup.co.uk
Advertisers and our partners may be linked from our site to areas of their own sites and whilst Change Finance Ltd makes every effort to ensure privacy, these other sites will have their own privacy and data collection practices for which Change Finance Ltd has no responsibility or liability. For information regarding these please check the sites directly.

Amendments to our terms

We reserve the right to amend our terms and conditions at any time. The amended terms will be effective from the date they are posted on our website.

Copyright

Copyright for the pages of this site, the pages displaying the information, their layout and the material contained, is the property of Change Finance Ltd. Reproduction or copying without specific consent of Change Finance Ltd is not allowed.

Disclaimer

Whilst every effort has been made to ensure that the content on this site is accurate and current, this site is only intended to provide general information or use and should not be construed as advice nor relied upon in making (or abstaining from making) any decision. Some products listed may not be available in your country or locality and/or may not be legally offered in your area. If you are uncertain whether a product may be legally offered/purchased in your area please seek appropriate advice on the facilities available on this site.

We give no warranty that the content will be free from error and we exclude any liability for any errors and omissions on the site. The access or use by you of the contents of this website is entirely at your own risk as we cannot guarantee the contents of the site are free from infection by viruses or anything else which has contaminating or adverse properties.

You should not rely on the accuracy or completeness of the content of this site as we reject any liability for any information detailed on this website which may not be up to date. Always refer to us for confirmation of the current status of any information.

The website contains links to other sites or addresses on the web. External sites are not part of the website and do not belong to Change Finance Ltd.

Change Finance Ltd does not approve or endorse other websites nor is it responsible for their content other than the specific trading names..

In displaying or providing for download any images, videos, sounds, applications or patches via the World Wide Web, all images used have been obtained from the public domain. It is not our intent to infringe upon or violate the copyright(s) of any individual(s). No attempt is made to imply ownership of copyright and where applicable all images, sounds and videos retain the copyrights of the original owners. In the event that any copyright laws have been infringed or violated, we request that the holders of said copyright(s) notify us via the e-mail address above. Then any offending item(s) from our websites will be removed immediately.

We have the right to temporarily or permanently change any of these terms and conditions from time to time without notice.

Land line numbers are charged at the normal current rate. Mobile charges may vary dependant on your provider.

Complaints Policy

We are committed to treating all of our clients fairly and delivering quality service. If there’s ever a time when you don’t feel we’ve lived up to this then we want to hear from you.

1) Making a Complaint

If you wish to make a complaint about the service or advice you have received from us please contact us with an outline of your concerns. We can be contacted as follows:

Change Finance Ltd. The Smithy, Woodgate Stables, Crawley Lane, Kings Bromley DE13 7JF.
By telephone on: 01543 473 400
By e-mail on: enquiries@changefinancegroup.co.uk

2) Acknowledging your Complaint

We will always try to resolve your concerns within two business days. However, if we are unable to do this or we need to conduct more detail investigations, we will send you an acknowledgement of your complaint within five business days of receiving it. We will provide you with a copy of our complaints procedure.

We will always set out our understanding of your complaint, regardless of whether it was received in writing or verbally.

3) Investigating your Complaint

Your complaint will be investigated by somebody experienced and who is not connected to your complaint. In this way we can complete a fair investigation. We may ask you to submit copies of documentation to help us with our investigation.

4) Keeping you Informed.

If we have not been able to resolve your complaint within three weeks, we will write to you and let you know when we expect to complete our investigation.

5) Resolving your Complaint

We will always aim to resolve your complaint within eight weeks of receiving it.

At the end of eight weeks we will write to you with the outcome of our investigation and advise you what to do if you are not satisfied.

6) If you are still unsatisfied.

If we have not been able to complete our review of your complaint within the eight week period, we will write to you and let you know when we expect to have finished our investigation.

We will also provide you with details of your rights to refer the matter to the Financial Ombudsman Service (FOS). The FOS can be contacted as follows:

Financial Ombudsman Service

Exchange Tower

London

E14 9SR

Telephone@ 0800 023 4567  

E-mail: complaint.info@financial-ombudsman.org.uk