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TERMS & CONDITIONS

Here’s the small but important things you might want to know

This page tells you the Terms and Conditions on which we will broker a finance deal between you and a third party finance company (“Lenders”) to provide you with car finance (“Finance”) via our website www.fast-car-finance.co.uk (“Site”). Please read these Terms and Conditions carefully before using the Site. You should understand that by submitting an application form (“Application”), you agree to be bound by these Terms and Conditions. You should print a copy of these Terms and Conditions for future reference.

Please click on the button marked “I Accept” at the end of these Terms and Conditions if you accept them. If you refuse to accept these Terms and Conditions, you will not be able to submit an Application via our Site.

1. Information About Us

The Site is operated by Thames Valley Asset Finance Limited, trading as Fast Car Finance (“We”). We are a limited company registered in England and Wales under company number 05880332 and have our registered office and trading address at Oxford House, 12-20 Oxford Street, Newbury, Berkshire RG14 1JB

2. Service Availability

2.1 Our Site is only intended for use by people resident in the UK. We do not accept Applications from individuals outside the UK. Any contracts concluded between you and a Lender (“Contract”) and any written communication between you and us will be in the English language only.

2.2 Access to our Site is permitted on a temporary basis, and we reserve the right to withdraw or amend the service we provide on our Site without notice. We will not be liable if for any reason our Site is unavailable at any time or for any period.

3. Information about you and your visits to our Site

We process information about you in accordance with our Privacy Statement. By using our Site, you consent to such processing and you warrant that all data provided by you is accurate.

4. Your Status

By submitting an Application via our Site, you warrant that:
4.1 You are legally capable of entering into binding contracts;
4.2 You are at least 18 years old;
4.3 You are resident in the UK;
4.4 You are accessing our Site from the UK.

5. How the Contract is formed between you and a Lender

5.1 After submitting your Application, you will receive an e-mail from us acknowledging that we have received your Application. We will consider your Application and contact you by e-mail or telephone if we require any further information from you. Please note that us contacting you by email or telephone does not mean that your Application has been approved. All Applications are subject to approval by us and the Lender.

5.2 Lenders will use the information provided in your Application to decide whether to offer you Finance and to calculate your repayments. It is your responsibility to ensure that such information and all other information you provide to us or the Lender (before the Contract starts and during the term of any Contract) is complete, accurate and not misleading. The information you supply may be used to carry out certain credit checks through licensed creditreferencing agencies. If you are in any doubt as to whether any information is relevant, you should disclose it.

5.3 We will use our reasonable endeavours to acknowledge receipt of your Application and notify you of the status of your Application within 24 normal business hours although no guarantee can be given in this respect.

5.4 We will notify you of the approval or rejection of your Application by e-mail or telephone. In the event that you decide to buy a Finance product or service from a Lender, the full Finance documentation, and other relevant details will normally be sent to you by us on behalf of the Lender. If there are any changes to your documentation, those changes will be communicated to you by us or your Lender directly.

5.5 Please be aware that it is very important that before you enter into a Contract that you carefully read the documentation, the Lender’s terms and conditions and any other relevant documentation which applies to the Finance which will include details of the interest rates applicable and any early redemption charges if relevant. We will aim to give you enough information so that you can make an informed decision about your Finance but you should not rely solely on the information provided by us. We accept no liability for any products or services or information provided by third parties. You must familiarise yourself with all the details of the Contract, for example, the restrictions, exclusions, conditions and obligations which apply to the Finance. You must ensure that the Finance meets your requirements and that you agree to the Lender’s terms before you enter into a Contract. We accept no responsibility whatsoever in the event that any Contract does not meet your requirements.

5.6 The Contract between you and the Lender will only be formed when you sign the Lender’s Finance documentation.

6. Our Status

6.1 We accept Applications on behalf of third party Lenders. The resulting legal Contract is between you and the Lender, and is subject to the terms and conditions of that Lender for which we accept no responsibility.

6.2 All Finance available via the Site is supplied by third parties over whom we have no control. We cannot give any undertaking or warranty in respect of the Lenders or the Finance, and do not warrant that the Finance provided by Lenders via our Site will be suitable for your particular needs or that you will be able to afford the repayments. Any such warranties are DISCLAIMED by us absolutely. This disclaimer does not affect your statutory rights against any Lender.

7. Cancellation Rights

7.1 Cancellation of a Contract is in accordance with the Lender’s own terms and conditions. To cancel a Contract, you must inform us and the Lender in writing.

7.2 Details of your cancellation rights, and an explanation of how to exercise them, will be provided to you by us on behalf of the Lender once your Application has been approved and you have confirmed that you wish to proceed with the Finance.

8. Prices and Repayments

8.1 Our Site contains a car finance calculator which is provided for information and illustrative purposes only. This is intended to provide you with an estimate of your likely Finance repayments, rather than the actual costs. We are under no obligation to secure the Finance for you at the price specified in the car finance calculator.

8.2 The Finance repayments will be the Lenders’ prices as notified to you by us once your Application has been approved. We will also notify you of the other applicable fees and charges on approval of your Application. Such fees and charges vary per Lender.

8.3 Prices are liable to change at any time without notice, but changes will not affect Finance for which you have already entered into a Contract with a Lender.

9. Reliance on Information on our Site

9.1 Materials and information posted on our Site are not intended to amount to advice on which reliance should be placed. We therefore disclaim all liability and responsibility arising from any reliance placed on such materials or information by any visitor to our Site, or by anyone who may be informed of any of its contents.

9.2 Nothing in these Terms and Conditions constitutes advice or a recommendation to purchase a particular Finance product.

10. Our Liability

The material displayed on our Site is provided without any guarantees, conditions or warranties as to its accuracy. To the extent permitted by law we hereby expressly exclude:-

10.1 All conditions, warranties and other terms which might otherwise be implied by statute, common law or the law of equity.

10.2 Any liability for any direct, indirect or consequential loss or damage incurred by any user in connection with our Site or in connection with the use, inability to use, or results of the use of our Site and any materials posted on it, including, without limitation any liability for: (a) loss of income or revenue; (b) loss of business; (c) loss of profits or contracts; (d) loss of anticipated savings; (e) loss of data; (f) loss of goodwill; and (g) for any other loss or damage of any kind, however arising and whether caused by tort (including negligence), breach of contract or otherwise, even if foreseeable.

10.3 This does not affect our liability for death or personal injury arising from our negligence, nor our liability for fraudulent misrepresentation or misrepresentation as to a fundamental matter, nor any other liability which cannot be excluded or limited under applicable law.

11. Intellectual Property Rights

11.1 We are the owner or the licensee of all intellectual property rights in our Site, and in the material published on it. Those works are protected by copyright laws and treaties around the world. All such rights are reserved.

11.2 You may print off one copy, and may download extracts, of any page(s) from our Site for your personal reference.

11.3 You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way, and you must not use any illustrations, photographs or any graphics separately from any accompanying text.

11.4 Our status (and that of any identified contributors) as the authors of material on our Site must always be acknowledged.

11.5 You must not use any part of the materials on our Site for commercial purposes without obtaining a licence to do so from us or our licensors.

11.6 If you print off, copy or download any part of our Site in breach of these Terms and Conditions, your right to use our Site will cease immediately and you must, at our option, return or destroy any copies of the materials you have made.

12. Transfer of Rights and Obligations

We may transfer, assign, charge, sub-contract or otherwise dispose of our rights or obligations under these Terms and Conditions, at any time.

13. Events Outside our Control

13.1 We will not be liable or responsible for any failure to perform, or delay in performance of, any of our obligations under these Terms and Conditions that are caused by events outside our reasonable control (“Force Majeure Event”).

13.2 A Force Majeure Event includes any act, event, non-happening, omission or accident beyond our reasonable control.

13.3 Our performance under these Terms and Conditions is deemed to be suspended for the period that the Force Majeure Event continues, and we will have an extension of time for performance for the duration of that period. We will use our reasonable endeavours to bring the Force Majeure Event to a close or to find a solution by which our obligations under these Terms and Conditions may be performed despite the Force Majeure Event.

14. Waiver

14.1 If we fail at any time to insist upon strict performance of any of your obligations under these Terms and Conditions, or if we fail to exercise any of the rights or remedies to which we are entitled under these Terms and Conditions, this shall not constitute a waiver of such rights or remedies and shall not relieve you from compliance with such obligations.

14.2 A waiver by us of any default shall not constitute a waiver of any subsequent default.

14.3 No waiver by us of any of these Terms and Conditions shall be effective unless it is expressly stated to be a waiver and is communicated to you in writing.

15. Severability

If any of these Terms and Conditions are determined by any competent authority to be invalid, unlawful or unenforceable to any extent, such term, condition or provision will to that extent be severed from the remaining terms, conditions and provisions which will continue to be valid to the fullest extent permitted by law.

16. Entire Agreement

16.1 These Terms and Conditions and any document expressly referred to in them represent the entire agreement between us in relation to any Contract and supersede any prior agreement, understanding or arrangement between us, whether oral or in writing.

16.2 You acknowledge that in entering into any Contract you have not relied on any representation, undertaking or promise given by us or implied from anything said or written in negotiations between us except as expressly stated in these Terms and Conditions.

17. Viruses, Hacking and other Offences

17.1 You must not misuse our Site by knowingly introducing viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not attempt to gain unauthorised access to our Site, the server on which our Site is stored or any server, computer or database connected to our Site. You must not attack our Site via a denial-of-service attack or a distributed denial-of service attack.

17.2 By breaching this provision, you would commit a criminal offence under the Computer Misuse Act 1990. We will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use our Site will cease immediately.

17.3 We will not be liable for any loss or damage caused by a distributed denial-ofservice attack, viruses or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of our Ste or to your downloading of any material posted on it, or on any website linked to it.

18. Linking to our Site

18.1 You may link to our home page, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it, but you must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part where none exists. You must not establish a link from any website that is not owned by you.

18.2 Our Site must not be framed on any other site, nor may you create a link to any part of our Site other than the home page. We reserve the right to withdraw linking permission without notice. The website from which you are linking must comply in all applicable respects with these Terms and Conditions.

18.3 If you wish to make any use of material on our Site other than that set out in these Terms and Conditions, please address your request to Fast Car Finance, Oxford House, 12-20 Oxford Street, Newbury, Berkshire RG14 1JB or email info@fcfinance.co.uk

19. Links from our Site

Where our Site contains links to other sites and resources provided by third parties, these links are provided for your information only. We have no control over the contents of those sites or resources, and accept no responsibility for them or for any loss or damage that may arise from your use of them.

20. Our right to vary these Terms and Conditions

20.1 We have the right to revise and amend these Terms and Conditions from time to time to reflect changes in our business, changes in technology and changes in relevant laws and regulatory requirements.

20.2 You will be subject to the Terms and Conditions in force at the time that you submit an Application to us, unless any change these Terms and Conditions is required to be made by law or governmental authority (in which case it will apply to Applications previously submitted by you), or if we notify you of the change to these Terms and Conditions before we send you any confirmation of approval of your Application (in which case we have the right to assume that you have accepted the change to the Terms and Conditions, unless you notify us to the contrary).

21. Our Site Changes Regularly

We aim to update our Site regularly, and may change the content at any time. If the need arises, we may suspend access to our Site, or close it indefinitely. Any of the material on our Site may be out of date at any given time, and we are under no obligation to update such material.

22. Law and Jurisdiction

These Terms and Conditions shall be governed by English law. Any dispute arising from, or related to these Terms and Conditions shall be subject to the exclusive jurisdiction of the courts of England and Wales.

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