Terms and Conditions

Last updated May 2018.

These Terms and Conditions (“Terms“), together with our Privacy Policy and all other documents referred to herein, set out the terms under which you may use this website, www.smeinvoicefinance.co.uk (“Site“) and our Services. Please read these Terms carefully and ensure that you understand them. Your agreement to comply with and be bound by these Terms is deemed to occur upon your first use of our Site. If you do not agree to comply with and be bound by these Terms, you must stop using our Site immediately.

We act as an intermediary between various finance lenders and you for the purpose of obtaining business finance and provide you with viable options (“Services“).

PLEASE READ THESE TERMS OF USE CAREFULLY, BEFORE USING OUR SITE, REGISTERING OR ANY OTHER ACTIVITY ON OUR SITE.

Definitions

In these Terms of Use:

Product” means any third-party product or service that we display on our Site.

Site” means any mobile applications or other similar devices, channels or applications operated by or on behalf of Sorodo Limited.

You“, “Your” and “User” means any person who accesses and uses the Site.

Services” shall mean all services provided by us through the Site.

Who are we?

www.smeinvoicefinance.co.uk is owned and operated by Sorodo Limited. For the purposes of these Terms of Use, references to www.smeinvoicefinance.co.uk (“We“, “Us” or “Our“) includes Sorodo Limited.

  • We are registered in England and Wales under company number 08039501, and our registered office address is Suite 3, Broncoed House, Broncoed Business Park, Wrexham Road, Mold, Flintshire, United Kingdom, CH7 1HP.
  • We are authorised and regulated by the Financial Conduct Authority under firm reference number 774781.
  • We are registered as a data controller with the Information Commissioner’s Office. Our data protection registration number is ZA160887.

We are a credit broker, not a lender. We do not provide finance directly to clients and act as an intermediary. As such, we will locate lenders who are the providers of the appropriate financial services.

Use of Site

Access to our Site is free of charge.

By accessing, continuing, and submitting an application on our Site;

  • you confirm you are over the age of 18.
  • legally entitled to enter into an agreement with a funder.
  • can enter in and will agree to the Agreement on behalf of any entity if you are accessing, using or registering to use our site on behalf of that entity.
  • you are a resident within the UK.

This agreement is defined as being between you, the User of www.smeinvoicefinance.co.uk, and Sorodo Limited, the owners of this site.

If you do not agree to be bound by the terms and conditions, you should not use this Site.

We cannot guarantee our website, or any content within it, will always be available or be uninterrupted. We may suspend, withdraw, discontinue or change all or any part of the website without notice.

Access to our Site is provided “as is” and on an “as available” basis. We may alter, suspend or discontinue our Site (or any part of it) at any time and without notice.

We will not be liable to you if for any reason our Site (or any part of it) is unavailable at any time or for any period. At all times, we take whatever steps possible to ensure that all information contained on our Site is accurate and correct. Any use of this Site or any information taken from it, is at your own risk. We will not be held liable for any losses or damages be this direct or indirect, following your use of our Site. These may include: system failures, non-delivery of data, viruses, a breach in security or any “hacking”.

How our Site works

Searching for the right business loan has never been easier. By using our Site, you will cut out lots of time-consuming searching around the market when searching for the best deal.

The User will use the Site to find finance which is suitable for their needs, and in doing so, will be asked the following information:

  • Your first name;
  • Your last name;
  • Your company name;
  • Your phone number;
  • Your email address;
  • Your annual turnover;
  • How much funding is required?

Based on the information provided to us, a select panel of finance providers which may be suitable for your finance requirements will contact you directly with a no-obligation quote.

We provide a no obligation service for use of our Site with no pressure to commit to a product or a finance provider.

Credit Checks

Although the Site does not perform credit checks, on proceeding with your interest in finance, our finance providers may wish to obtain a credit reference for you and your business, including its directors or partners from a credit reference agency. Please contact us to check this before continuing with the application.

Our Service

Our Site is for use within the United Kingdom. If you are not located in the United Kingdom and you access our Site, you do so at your own risk and you should be aware of applicable local laws and regulations.

We refer you to our Privacy Policy for details on how we may collect and use any personal information that is provided to us.

Once you have submitted your application, we will use the information you have provided and match this criteria against suitable lenders.

By submitting an enquiry for finance through our Site, you agree that your business and contact information can be passed to providers of finance in order for them to contact you to discuss your requirements further.

By agreeing to these Terms, we will provide finance providers with access to your finance request and the information we have obtained. This data will be used to assist the finance provider to determine whether they are capable of offering your business the finance requested. Any further discussions between you and a finance provider will not include us, including any additional checks and information the finance provider may require about your business and our relationship will cease.

Charges

We do not charge a fee for using our Services or our Site, but we may receive a commission from lenders or other brokers for effecting such introductions. Third party brokers however may charge fees for their own brokerage services, but this will be made clear before proceeding. Please contact us for more information on our fees.

Intellectual Property

Any content included on this Site by the site owners, including, but not limited to: copyright, text, graphics, logos, images, data, code and software is the sole property of Sorodo Limited, our affiliates or third parties. Any use of this Site acknowledges that this content is protected by applicable United Kingdom and international intellectual property laws and treaties.

You may not reproduce, copy, distribute, sell, rent, sub-licence, store, or in any other manner re-use any content from our Site unless given express written permission to do so by Us.

Users must ensure that they agree with the suitability of any Product from the Site before entering into a contract with a third party lender. The Site is purely for reference purposes only and should not be treated as a direct recommendation of any site or Product.

Liability and disclaimers

Any information provided on the Site is posted with the knowledge that it is correct at the time. We do not, however, make any representations, warranties or guarantees (whether express or implied) that the content is complete, accurate, or up-to-date, and may be subject to changes at any time.

To the fullest extent permissible by law, we accept no liability to any User for any loss or damage, whether foreseeable or otherwise, in contract, tort (including negligence), for breach of statutory duty, or otherwise, arising out of or in connection with the use of (or inability to use) our Site or the use of or reliance upon any content included on our Site.

We hereby exclude all implied conditions, warranties, representations or other terms that may apply to our Site or content. We will not be liable for any loss of profits, sales, business or revenue; loss of business opportunity, goodwill or reputation; loss of anticipated savings; business interruption; or for any indirect or consequential loss or damage.

We neither assume nor accept responsibility or liability arising out of any disruption or non-availability of our Site resulting from external causes including, but not limited to, ISP equipment failure, host equipment failure, communications network failure, natural events, acts of war, or legal restrictions and censorship.

Nothing in these Terms excludes or restricts our liability for fraud or fraudulent misrepresentation, for death or personal injury resulting from negligence, or for any other forms of liability which cannot be excluded or restricted by law.

External Links

Please be aware that the Site may include links to other websites that are not under our control. We neither assume nor accept responsibility or liability for the content of third party websites . These links are not necessarily an endorsement of the website themselves or those who operate them. With this in mind, you should always read the terms and conditions of any external websites before using them and before entering in to a contract with them.

You may not set up any links to our Site without the express permission of us. This also includes any direct links to images or content without prior consent.

We cannot guarantee that the websites will available at all times to meet your requirements, and that there will be no delays or errors. As a User of our Site and any third party websites linked to ours, you are solely responsible for any back-ups, and to have the correct virus software installed on your system.

Any information or content provided on the Site may be changed at any time, without giving notice. This also includes updates to these Terms. All Users agree to regularly review Terms to ensure they agree to them at all times.

Insofar as is permitted by law, we make no representation, warranty, or guarantee that our Site will meet your requirements, that it will not infringe the rights of third parties, that it will be compatible with all software and hardware, or that it will be secure.

In any event that any User applicable to these Terms fails to exercise any right within these Terms, this should not be construed as a waiver of these rights.

Acceptable Use

You may only use our Site in a manner that is lawful and that complies with the following provisions Specifically:

  • you must ensure that you comply fully with any and all local, national or international laws and/or regulations;
  • you must not use our Site in any way, or for any purpose, that is unlawful or fraudulent;
  • you must not use our Site to knowingly send, upload, or in any other way transmit data that contains any form of virus or other malware, or any other code designed to adversely affect computer hardware, software, or data of any kind; and
  • you must not use our Site in any way, or for any purpose, that is intended to harm any person or persons in any way

When submitting User content (or communicating in any other way using our Site), you must not submit, communicate or otherwise do anything that:

  • is sexually explicit;
  • is obscene, deliberately offensive, hateful or otherwise inflammatory;
  • promotes violence;
  • promotes or assists in any form of unlawful activity;
  • discriminates against, or is in any way defamatory of, any person, group or class of persons, race, gender, religion, nationality, disability, sexual orientation or age;
  • is intended or otherwise likely to threaten, harass, annoy, alarm, inconvenience, upset, or embarrass another person;
  • is calculated or is otherwise likely to deceive;
  • is intended or otherwise likely to infringe (or threaten to infringe) another person’s right to privacy;
  • misleadingly impersonates any person or otherwise misrepresents your identity or affiliation in a way that is calculated to deceive;
  • implies any form of affiliation with us where none exists;
  • infringes, or assists in the infringement of, the intellectual property rights (including, but not limited to, copyright, patents, trade marks and database rights) of any other party; or
  • is in breach of any legal duty owed to a third party including, but not limited to, contractual duties and duties of confidence.

We hereby exclude any and all liability arising out of any actions (including, but not limited to those set out above) that we may take in response to breaches of these Terms.

Law and Jurisdiction

Your use and acceptance of our Site and these Terms are governed by the Laws of England and Wales whose courts have exclusive jurisdiction of any disputes that may arise under or in connection with the Terms.

Right to Cancel

Under the rules of the Financial Conduct Authority, you have the right to a cancel your contract with us without penalty and without giving any reason, within 14 calendar days.

Please note – Section 66A of the Consumer Credit Act (right to withdraw) does not apply to an agreement for credit exceeding £60,260 (unless the agreement is a residential renovation agreement), an agreement secured on land, a restricted-use credit agreement to finance the purchase of land or an agreement for a bridging loan in connection with the purchase of land.

You can contact us at any time via phone, email or in writing to cancel your agreement.

Termination

Notwithstanding anything in the Agreement, we reserve the right, without notice and in our sole discretion, to terminate this Agreement, your account, and/or to block your use of our Site.

We may consider legal action for violations of our Agreement with you according to these Terms.

We reserve the right to seek all remedies available at law and in equity for violations of our Agreement with you according to these Terms, including the right to block access from a particular Internet address to the Platform, or report misuses to law enforcement.

Data Protection

We follow our Privacy Policy in handling information about you. You can read our privacy policy.

By using the Site, you agree to us handling this information and confirm that data you provide is accurate.

Complaints

If you wish to make a complaint you can contact, email or write to us at;

Phone: 01244 456 123

Email: [email protected]

By Post: FAO Complaints Manager, Sorodo Limited, Suite 3, Broncoed House, Broncoed Business Park, Wrexham Road, Mold, Flintshire, United Kingdom, CH7 1HP.

If the complaint is about another party, such as a lender with whom we have placed business, we will refer details of the complaint to the third party and confirm this course of action to the complainant in writing.

If you are not happy with our final response, or we have not provided a response within eight weeks you have the right to refer the complaint to the Financial Ombudsman Service (FOS) after the passing of eight weeks following the complaint, using the details below:

Phone: 0800 023 4567 or 0300 123 9123

Email: [email protected]

By Post: Financial Ombudsman Service, Exchange Tower, London, E14 9SR

Website: www.financial-ombudsman.org.uk

For more information, you can visit our complaints policy

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