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Terms and Conditions

Low Rate Car Finance Ltd T/A VanBrokerUK

Low Rate Car Finance Ltd T/A VanBrokerUK is authorised and regulated by the Financial Conduct Authority. Our FCA Firm Reference Number is 963856.

We act as a credit broker, not a lender. We can introduce you to a limited number of lenders who may be able to offer you finance facilities for your purchase. We will only introduce you to these lenders.

We may be paid a commission for introducing you to a finance provider. The commission we receive may be pre-set but can vary and may impact the amount you pay. You can request that we disclose the amount of any commission received.

You may be able to obtain finance for your purchase from other lenders and you are encouraged to seek alternative quotations.

If you would like to know how we handle complaints, please ask for a copy of our complaints handling process or select our Initial Disclosure Document at the bottom of this page. You can also find information about referring a complaint to the Financial Ombudsman Service at financialombudsman.org.uk.

We are a private limited company registered in England and Wales.

Company number: 13701190
Registered office: Long Barn 2, Folly Farm, Tickenham, Clevedon, BS21 6RY
Website: www.vanbrokeruk.co.uk

Introduction

These Terms and Conditions outline the rules and regulations for the use of VanBrokerUK’s website, located at www.vanbrokeruk.co.uk.

By accessing this website, we assume you accept these Terms and Conditions. Do not continue to use www.vanbrokeruk.co.uk if you do not agree to all of the Terms and Conditions stated on this page.

The following terminology applies to these Terms and Conditions, Privacy Policy, Disclaimer Notice and all agreements:

“Client”, “You” and “Your” refers to you, the person using this website and accepting the Company’s Terms and Conditions.

“The Company”, “Ourselves”, “We”, “Our” and “Us” refers to Low Rate Car Finance Ltd T/A VanBrokerUK.

“Party”, “Parties” or “Us” refers to both the Client and ourselves.

All terms refer to the offer, acceptance and consideration of payment necessary to undertake the process of our assistance to the Client in the most appropriate manner, for the purpose of meeting the Client’s needs in respect of the Company’s stated services, in accordance with and subject to the laws of England and Wales.

Any use of the above terminology or other words in the singular, plural, capitalisation and/or he/she/they are taken as interchangeable and therefore as referring to the same.

Cookies

We employ the use of cookies.

By accessing VanBrokerUK, you agree to the use of cookies in accordance with VanBrokerUK’s Privacy Policy.

Most interactive websites use cookies to allow us to retrieve user details for each visit. Cookies are used by our website to enable the functionality of certain areas and make it easier for people visiting our website.

Some of our affiliate, analytics or advertising partners may also use cookies.

Licence

Unless otherwise stated, VanBrokerUK and/or its licensors own the intellectual property rights for all material on VanBrokerUK. All intellectual property rights are reserved.

You may access this from VanBrokerUK for your own personal use, subject to the restrictions set out in these Terms and Conditions.

You must not:

  • Republish material from VanBrokerUK.

  • Sell, rent or sub-license material from VanBrokerUK.

  • Reproduce, duplicate or copy material from VanBrokerUK.

  • Redistribute content from VanBrokerUK.

This agreement shall begin on the date you first use this website.

User Comments

Parts of this website may offer an opportunity for users to post and exchange opinions and information in certain areas of the website.

VanBrokerUK does not filter, edit, publish or review comments before they appear on the website. Comments do not reflect the views and opinions of VanBrokerUK, its agents and/or affiliates. Comments reflect the views and opinions of the person who posts them.

To the extent permitted by applicable laws, VanBrokerUK shall not be liable for comments or for any liability, damages or expenses caused and/or suffered as a result of the use, posting or appearance of comments on this website.

VanBrokerUK reserves the right to monitor all comments and to remove any comments which may be considered inappropriate, offensive or in breach of these Terms and Conditions.

You warrant and represent that:

  • You are entitled to post the comments on our website and have all necessary licences and consents to do so.

  • The comments do not invade any intellectual property right, including without limitation copyright, patent or trademark of any third party.

  • The comments do not contain any defamatory, libellous, offensive, indecent or otherwise unlawful material, or material which is an invasion of privacy.

  • The comments will not be used to solicit or promote business or custom, or present commercial activities or unlawful activity.

You hereby grant VanBrokerUK a non-exclusive licence to use, reproduce, edit and authorise others to use, reproduce and edit any of your comments in any and all forms, formats or media.

Hyperlinking to Our Content

The following organisations may link to our website without prior written approval:

  • Government agencies.

  • Search engines.

  • News organisations.

  • Online directory distributors, in the same manner as they hyperlink to the websites of other listed businesses.

  • System-wide accredited businesses, except soliciting non-profit organisations, charity shopping malls and charity fundraising groups, which may not hyperlink to our website.

These organisations may link to our home page, publications or other website information, provided the link:

  • is not in any way deceptive;

  • does not falsely imply sponsorship, endorsement or approval of the linking party and its products or services;

  • fits within the context of the linking party’s site.

We may consider and approve other link requests from the following types of organisations:

  • commonly-known consumer and/or business information sources;

  • dot.com community sites;

  • associations or other groups representing charities;

  • online directory distributors;

  • internet portals;

  • accounting, law and consulting firms;

  • educational institutions and trade associations.

We will approve link requests from these organisations if we decide that:

  • the link would not make us look unfavourably to ourselves or to our accredited businesses;

  • the organisation does not have any negative records with us;

  • the benefit to us from the visibility of the hyperlink compensates the absence of VanBrokerUK;

  • the link is in the context of general resource information.

These organisations may link to our home page provided the link:

  • is not in any way deceptive;

  • does not falsely imply sponsorship, endorsement or approval of the linking party and its products or services;

  • fits within the context of the linking party’s site.

If you are one of the organisations listed above and are interested in linking to our website, you must inform us by sending an email to VanBrokerUK.

Please include your name, your organisation name, your contact information, the URL of your site, a list of any URLs from which you intend to link to our website, and a list of the URLs on our site to which you would like to link.

Please allow 2 to 3 weeks for a response.

Approved organisations may hyperlink to our website as follows:

  • By use of our corporate name.

  • By use of the uniform resource locator being linked to.

  • By use of any other description of our website that makes sense within the context and format of content on the linking party’s site.

No use of the VanBrokerUK logo or other artwork will be allowed for linking without a trademark licence agreement.

iFrames

Without prior approval and written permission, you may not create frames around our webpages that alter in any way the visual presentation or appearance of our website.

Content Liability

We shall not be held responsible for any content that appears on your website.

You agree to protect and defend us against all claims arising from your website.

No links should appear on any website that may be interpreted as libellous, obscene or criminal, or which infringes, otherwise violates, or advocates the infringement or violation of any third party rights.

SMS Marketing Terms

Where you have opted in to receive SMS or text message marketing from us, Low Rate Car Finance Ltd T/A VanBrokerUK may send you marketing messages by SMS.

These messages may include vehicle offers, finance information, stock updates, promotions, reminders and other messages relating to our products and services.

SMS marketing is optional. You do not need to agree to receive SMS marketing in order to use our website, make an enquiry, obtain a finance quote or purchase a vehicle from us.

By providing your mobile number and giving your consent to receive SMS marketing, you confirm that:

  • you are the account holder or authorised user of the mobile number provided;

  • you agree to receive marketing text messages from us;

  • you understand that message frequency may vary depending on your enquiry, preferences, stock availability and our marketing activity;

  • your mobile network provider may charge you for receiving or sending SMS messages, depending on your tariff;

  • you can opt out at any time.

You can unsubscribe from SMS marketing at any time by replying STOP where this option is available, following any unsubscribe instructions included in the message, or contacting us using the details shown on our website.

If you unsubscribe from SMS marketing, we may still contact you by SMS or telephone where necessary for non-marketing purposes, such as responding to an enquiry, progressing a vehicle order, arranging delivery, dealing with finance documentation or handling a customer service matter.

Consent to receive email marketing does not automatically mean you have consented to receive SMS marketing. We will only send SMS marketing where we have your SMS marketing consent or where we are otherwise permitted to do so under applicable law.

We may use third party service providers, including marketing and SMS messaging platforms such as Mailchimp, to help us send and manage SMS messages.

How we collect, use, store and protect your personal data is explained in our Privacy Policy.

Your Privacy

Please read our Privacy Policy for details of how we collect, use, store and protect your personal data, including data used for email and SMS marketing.

Reservation of Rights

We reserve the right to request that you remove all links, or any particular link, to our website.

You agree to immediately remove all links to our website upon request.

We also reserve the right to amend these Terms and Conditions and our linking policy at any time.

By continuously linking to our website, you agree to be bound to and follow these linking Terms and Conditions.

Removal of Links From Our Website

If you find any link on our website that is offensive for any reason, you are free to contact us and inform us at any time.

We will consider requests to remove links, but we are not obligated to do so or to respond to you directly.

We do not ensure that the information on this website is correct. We do not warrant its completeness or accuracy. We do not promise to ensure that the website remains available or that the material on the website is kept up to date.

Disclaimer

To the maximum extent permitted by applicable law, we exclude all representations, warranties and conditions relating to our website and the use of this website.

Nothing in this disclaimer will:

  • limit or exclude our or your liability for death or personal injury;

  • limit or exclude our or your liability for fraud or fraudulent misrepresentation;

  • limit any of our or your liabilities in any way that is not permitted under applicable law;

  • exclude any of our or your liabilities that may not be excluded under applicable law.

The limitations and prohibitions of liability set out in this section and elsewhere in this disclaimer:

  • are subject to the preceding paragraph;

  • govern all liabilities arising under the disclaimer, including liabilities arising in contract, tort and for breach of statutory duty.

As long as the website and the information and services on the website are provided free of charge, we will not be liable for any loss or damage of any nature, except where liability cannot be excluded under applicable law.