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Accept Car Finance - Terms and Conditions

TERMS OF BUSINESS
Accept Car Finance, a trading name of Rix Motor Company Limited. At Rix Motor Company Limited we are committed to providing a high quality of service to our customers. Please read this document carefully as it sets out the terms of business on which we will provide services to you. Please contact us if you have any queries regarding anything in this document which you do not understand.

WHAT IS THE ROLE OF ACCEPT CAR FINANCE?
Accept Car Finance is a credit broker. This means that we will arrange finance for you to buy a car and in doing so will introduce you to one of our pre-selected lenders. In arranging finance, we do not conduct a market appraisal and we do not give any assurance or undertaking that the terms offered are the most competitive on the market. Whilst we will do our best to source an offer of finance for you, all finance is subject to status and terms and conditions will apply. Whether you are offered finance and upon what terms will depend on a variety of factors including your occupation, income, credit rating and creditworthiness. In order to make a finance application, we will need to take some details from you. We also need your consent to pass on your information to our panel of lenders so that they can assess your finance application. In order to be considered for finance, Accept Car Finance and/or an external lender may consult a credit reference agency. This may leave a footprint on your credit file. If you are declined for finance then we will provide you with details of the credit reference agency (“CRA”) that Accept Car Finance and/or any of our lenders consulted. You are then free to make further enquires with the CRA should you wish to do so. If you want to place a restriction on the number of credit searches that are undertaken on you then please make this clear to us at the outset so that we can limit our search. In relation to finance Accept Car Finance acts as agent of the lender. We are not in a position to give you independent advice on financial products. We will however provide you with oral and written information so that you can make your own informed purchasing decision. You will be given time to read all the documentation provided to you prior to signing and given time to ask questions which we will do our best to answer for you.

REGULATORY INFORMATION
Accept Car Finance trading name of Rix Motor Company Limited is Authorised & Regulated by the Financial Conduct Authority (FCA). Our firm reference number is 656238. You can check these details on the FCA register by visiting their website, www.fca.org.uk or by contacting the FCA on 0300 500 0597. Registered Company number 01837284.

WHAT FINANCIAL PRODUCTS DO WE OFFER?
If your application for finance is approved, we will provide you with one specific offer of finance from one of our external lenders. Accept Car Finance is able to arrange Hire Purchase agreements, Conditional Sale agreements and Fixed Sum Loan agreements. If there is a particular type of credit agreement that suits your particular requirements then please let us know and we will do our best to source that for you.

YOUR RESPONSIBILITIES – DISCLOSURE
You do have a legal duty to tell us of all material information relating to the credit agreement. In particular, you must be sure of the accuracy and completeness of the information you give to us and the lender. It is your responsibility to give complete and accurate information to lenders when you take out your credit agreement. You should check all documents that we send to you immediately to make sure they are correct. If there are any incorrect details on your documentation or if you are unsure about anything, please contact us straight away.

TREATING CUSTOMERS FAIRLY
We want to ensure that we treat you fairly before, during and after the sale. If you are dissatisfied with any aspect of our service or the product that you purchase please let us know and we will do our best to sort things out for you.

If you have a complaint about our credit related activities then please tell us without delay. You are also entitled to make a formal complaint by contacting us on the details below. If we are not able to resolve your finance complaint to your satisfaction within 8 weeks, you can then refer your grievance to the Financial Ombudsman Service for adjudication. This procedure is free of charge and we will advise you how to go about making the referral. If you need more assistance from us because you are a vulnerable person or for any other reason such as your age or, a mental or physical infirmity, or learning disability please let us know so that we can make reasonable adjustments for you.

WILL YOU HAVE TO PAY FOR OUR SERVICES?
There is no charge to you for Accept Car Finance trading name of Rix Motor Company Limited arranging finance for you. We may however receive a finance commission from the lender who offers you credit. The amount of finance commission varies. If you would like to know how much finance commission we will earn on your transaction then please ask our member of staff who will be pleased to provide you with this information. If the exact amount of finance commission is unknown, than an estimated amount will be provided to you on request.

COMPLAINTS
Our aim is to provide you with a first class standard of service at all times. If you feel that we have not met your expectations, please contact us:
Email: Sales@acfcars.co.uk
Telephone: 01925 599079
In writing: Hawley Lane, Warrington, Cheshire, WA2 8JP

We will acknowledge receipt of your complaint promptly within 5 working days. If our investigations take longer than this we will provide a full written response within 28 days, or explain the current position of your complaint and give you an indication of when we expect to provide our final response. If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service.

DATA PROTECTION
We are registered under the Data Protection Act and we aim to comply with the Data Protection principles at all times. All information about you will be treated as private and confidential and will be kept secure. We will only use and disclose the information we have about you in the normal course of arranging and administering your finance agreement. In addition, we have a wide range of insurance products and services available to us. We believe that these are some of the best and most appropriate in the marketplace. We would also like to be able to contact you so that we can further advise you of developments and details of new products which might be suited to you. We would stress that your information would only be used in this way to help us to provide a pro-active service to you. As we all know, time is precious and none of us want to be bombarded with information or products that are simply not relevant or which we do not require.

There may be times when we feel that a service or product may be of interest to you. In order to make you aware of these products or services we may wish to contact you so that you can make informed choices about these services or products. We may also use the information we hold about you to provide you with information on other products and services we can offer which we feel may be appropriate for you. If you do not wish to receive product or service information from us, please write to us on e-mail at the above address. Under the Data Protection Act 1998 you have rights of access to any personal information we hold about you in our records. If you have any queries or requests in this regard please contact us.

ENGLISH LAW
These Terms of Business are written in English and all communications about it will be in English. These Terms of Business are governed and construed in accordance with English law. If any of the Terms of Business are held to be unenforceable or to be invalid either in part or in the whole, then the validity of the other terms will not be affected in any way. These Terms of Business may be varied by us from time to time without prior notice.