Terms of Business

1.1

These terms set out the basis on which All In Finance Ltd ("we", "us", "All In Finance") provides its introduction service to clients ("you"). By instructing us or accepting an introduction from us, you agree to these terms.

2.1

All In Finance is a trading style of All In Finance Ltd, registered in England and Wales, company number 17301145. Registered office: Wild Acre, Wilmots Lane, Horne, Horley, England, RH6 9JR.

2.2

We are not authorised or regulated by the Financial Conduct Authority. We introduce clients for unregulated commercial finance only, and only for the business entities described in clause 4. Because our services are unregulated, they are not covered by the Financial Ombudsman Service or the Financial Services Compensation Scheme.

3.1

We are an introducer, not a broker, adviser or lender. Our service is to find out what finance you are looking for, identify a third-party finance specialist who we believe may be able to assist, and introduce you to them.

In these terms, "specialist" means the third party we introduce you to. That may be a finance broker, or another kind of finance specialist such as a packager, an asset finance provider or a lender's own commercial team. Whoever it is, they are independent of us and carry out the work on your case themselves.

3.2

The specialist we introduce you to acts under its own terms of business, which it will provide to you directly. All the work on your case, including reviewing your requirements, sourcing lenders, presenting your case, advising you and arranging finance, is carried out by that specialist and not by us. Once the introduction is made, the specialist deals with you directly.

3.3

Before an introduction, we may collect information and documents from you and pass them to a specialist so that the specialist can confirm whether it is able to help. After an introduction, we may pass information or documents between you and the specialist from time to time, and we may stay in touch to check that the introduction is working for you and to introduce you to a different specialist if it is not. This is administrative and relationship support only.

3.4

We do not advise you, and we do not recommend or guide you on your options, or on any finance product, lender or rate. Advice comes from the specialist, direct to you. Nothing we say or send should be treated as advice or as a personal recommendation. You should rely on the specialist, and where appropriate on your own professional advisers, when deciding whether any finance is right for your business.

3.5

Before making an introduction we may carry out checks on you and your company, including verifying identity and checking publicly available sanctions and similar registers.

3.6

We do not guarantee that any introduction will result in an offer of finance, and we do not guarantee any timescale for any part of the process. All lending decisions rest entirely with the specialist's lenders.

3.7

Any costs you incur with third parties in connection with your finance, for example valuation fees, legal fees or lender fees, are your own responsibility, whether or not the finance completes.

4.1

Our service is available only to limited companies (including PLCs), limited liability partnerships, and partnerships of four or more partners, in each case seeking finance wholly for business purposes. By instructing us, you confirm that you are acting on behalf of such an entity, that the finance sought is for business purposes and, where you are a partnership, that it has four or more partners.

4.2

If it becomes apparent that your requirement falls within FCA-regulated activity, we will not act and will instead refer you to an appropriately authorised firm.

5.1

You agree to provide accurate and complete information about your company and its funding requirement. We are not responsible for any consequence of information you provide being inaccurate or incomplete.

5.2

You will provide the identity documents and verification information that we or the third-party specialist reasonably request in connection with your case.

6.1

We do not charge you for our introduction service.

6.2

The third-party specialist may charge you fees for its services. Those fees are set by the specialist and will be disclosed to you by the specialist under its own terms before you proceed.

6.3

If your introduction leads to completed business, we receive a share of what the specialist earns. This may be a share of the procuration fee paid by the lender, the specialist's own fee, or any other fees the specialist charges. It is paid to us by the specialist, not by you. Details of what we receive in relation to your introduction are available on request.

7.1

We never handle client money. Any payments in connection with your finance should only ever be made to the specialist or lender concerned. If anyone claiming to represent All In Finance asks you to pay money to us or to an individual, contact us immediately before doing anything.

8.1

To provide our service we will share your details with the third-party specialist, who may in turn share them with lenders. We process personal data in accordance with UK data protection law; full details, including your rights and how to exercise them, are in the privacy policy on our website.

8.2

We will only use your details for marketing in line with our privacy policy, and you can opt out at any time.

9.1

The third-party specialist and any lender are independent of us. We are not responsible for their advice, decisions, service, fees, rates or any act or omission on their part.

9.2

Nothing in these terms excludes or limits any liability that cannot be excluded or limited by law. Subject to that, we are not liable for any indirect or consequential loss, and our total liability to you in connection with our service shall not exceed the greater of £1,000 and the amount we received from the specialist in respect of your introduction.

10.1

Either of us may end our engagement at any time by written notice. Ending the engagement does not affect any introduction already made or any referral fee already earned.

11.1

If you are unhappy with our service, please contact us in writing at our registered office or by email, and we will investigate and respond promptly. Complaints about the third-party specialist's service should be raised with that specialist directly under its own complaints process. Complaints about how we handle personal data are dealt with as set out in our privacy policy. Our full complaints procedure is on this website.

12.1

These terms are the entire agreement between us in relation to our service, and replace anything previously said or written. They can only be varied by written agreement between you and us.

12.2

Only you and we may enforce these terms; no one else has rights under them (whether under the Contracts (Rights of Third Parties) Act 1999 or otherwise).

12.3

These terms are governed by English law and any dispute is subject to the exclusive jurisdiction of the English courts.

12.4

If any part of these terms is found unenforceable, the rest remains in effect.

12.5

We may update these terms from time to time; the current version will always be available on our website. Updates apply to new instructions only, the version you accepted continues to govern any introduction already in progress, except where a change is required by law or regulation, in which case it applies immediately, including to work in progress, and we will notify you.