1. Introduction These Terms and Conditions ("Terms") govern your use of the services provided by Luton Finance, a subsidiary of Luton Group Limited. By engaging our services or using our website, you agree to comply with and be bound by these Terms.
2. Regulatory Information Luton Finance operates in accordance with applicable UK financial regulations. We are committed to responsible lending, ethical financial practices, and full transparency in all dealings. Any regulatory authorisation or registration details will be disclosed as applicable to specific services.
3. Scope of Services We provide a range of financing services including but not limited to: business finance, asset finance, property finance, personal loans, investment solutions, and advisory services. These services may be subject to eligibility checks, documentation, and credit assessments.
4. Client Responsibilities Clients are expected to provide accurate and complete information during any application or communication. Misrepresentation may result in cancellation of services or legal action.
5. Fees & Payment Fees, commissions, or charges applicable to any product or service will be disclosed in the relevant agreements or product brochures. Late payment may result in additional charges and impact credit rating.
6. Cancellation & Termination Clients may cancel certain agreements within the cooling-off period specified in each agreement, where applicable. We reserve the right to terminate services in the event of breach of terms, fraud, or non-payment.
7. Confidentiality All client information will be treated with strict confidentiality, except where disclosure is required by law or necessary to carry out the service requested.
8. Conflict of Interest We maintain procedures to avoid conflicts of interest. Where a conflict arises, we will take steps to manage it fairly and transparently.
9. Use of Website By accessing our website, you agree not to misuse it in any way. All intellectual property, content, and branding belong to Luton Group Limited unless stated otherwise.
10. Limitation of Liability Luton Finance is not liable for any indirect, incidental, or consequential damages resulting from your use of our services, unless proven to be caused by gross negligence or fraud.
11. Privacy & Data Protection (GDPR) We process personal data in accordance with the UK General Data Protection Regulation (GDPR). Please refer to our Privacy Policy for full details.
12. Complaints Procedure Clients may raise complaints via email, phone, or in writing. We aim to resolve all complaints fairly and within 8 weeks. If unresolved, clients may refer the complaint to the Financial Ombudsman Service.
13. Governing Law & Jurisdiction These Terms are governed by the laws of England and Wales. Any disputes shall be subject to the exclusive jurisdiction of the courts of England and Wales.
14. Contact Information Luton Finance (a division of Luton Group Limited)
326-340 Dunstable Road, Luton, LU4 8JS
Email: info@lutonfinance.com
Tel: 0800 955 0560
Website: www.lutonfinance.com