Important Legal Information


WHO WE ARE
 
The following information informs you of the services provided by Henley Finance (hereafter “the Company”, “we” or “us”), how we conduct business and the services we provide. It also sets out policy over the general usage of this web site, our copyright protection and rights of redress should these general and specific rights be abused in any way.
 
Henley Finance packages short and medium term loans for borrowers for business purposes.  We are not a credit broker and are not regulated by the FCA. Unless you believe you are a very experienced business individual, you should seek independent financial advice.
 
HOW WE WILL USE INFORMATION ABOUT YOU

We take your privacy seriously. Your personal will only be used in following ways: 

1. make lender decisions,
2. for fraud prevention,
3. for audit,
4. money laundering prevention

We may share your information with, and obtain information about you from, credit reference agencies, fraud prevention agencies and anti-money laundering. If you apply to us for insurance we refer your details to the insurer. Information you provided may be put onto a register of claims and shared with other insurers to prevent fraud.
Aside from this we will not disclose your information to any company outside of potential lenders except to help prevent fraud and/or compulsion of law.
For further information on how your information is used, how we maintain the security of your information and your rights to access/alter and change information we hold on you, please contact office@henleyfinance.co.uk.

YOUR PERSONAL DATA

Henley Finance Ltd will be what is known as the ‘controller’ and the ‘processer’ of the personal data you provide to us. We collect personal data about you that may also include any special types of information or location-based information. We also gather other information including name, addresses, email, and financial status.

WHY WE NEED IT

We need to know your basic personal data to provide you with an accurate recommendation for the business project. We will not collect any personal data from you that we do not need to provide and oversee this service to you.
For processing of data to be lawful under GDPR, Henley Finance Ltd use the following test under the EU General Data Protection Regulations;
(a) Consent: by proceeding in a business relationship with Henley Finance Ltd and their lenders this signifies your consent to use your personal data. 
(b) Contract: the processing is necessary for a contract we have with you, or because we have asked you to take specific steps before entering into a contract.
(c) Legal obligation: the processing is necessary for you to comply with the law (not including contractual obligations).
(d) Legitimate interests: the processing is necessary for your legitimate interests or the legitimate interests of a third party unless there is a good reason to protect your personal data which overrides those legitimate interests. 

WHAT WE DO WITH IT

We will only collect the minimum amount of data needed and have a clear retention policy for the profiles we create.  All the personal data we use is controlled by Henley Finance Ltd, however, for the purposes of IT hosting and maintenance, this information is located on servers within the European Union. Third parties do not have access to your personal data unless the law allows them to do so. We have a Data Protection regime in place to oversee the effective and secure processing of your personal data. More information on this framework can be found on our website.  Your data is stored electronically on our encrypted hard drive and cloud based servers.

HOW LONG DO WE KEEP IT?

We are required by regulations to keep certain information such as name, address, contact details and financial status for a period of six years beyond the final term of the finance facility you have taken out. After this time it will be destroyed. We do not keep information for marketing purposes.


WHAT ARE YOUR RIGHTS?

If at any point you believe retained information is incorrect you can request to see this information and even have it corrected and possibly deleted. Providing you with this information is free of charge, but charges may apply for unreasonable request.


If you wish to raise a complaint on how we have handled your personal data, you can contact our Data Protection Officer who will investigate the matter.
Where relevant, you have the right to withdraw consent and object at any time and this means that we cannot process your data provided without your consent.
More information about your rights can be found on the Information Commissioners website. https://ico.org.uk/
If you are not satisfied with our response or believe we are processing your personal data not in accordance with the law you can complain to the Information Commissioner’s Office (ICO).
Our Data Protection Officer is Michal Smyk at Michal@henleyfinance.co.uk
 
TERMS AND CONDITIONS
 
The information and opinions contained in this website are for background purposes only and do not purport to be full or complete, nor does this website constitute investment advice.
 
The information on our website is intended primarily for people in the United Kingdom.  It is not for use by any person in the United States or who is a citizen of the United States.

We reserve the right to  use software enabling identification of use and abuse of the Company’s intellectual property.

HOW WE CONDUCT BUSINESS 

The Company operates in the market as a business development agency.  The policy of the Company is to aim to provide our Clients a service and to recommend the most appropriate and cost effective financial products matching their declared needs, borrowing requirements and business financial means and circumstances within the Henley Finance Ltd services we offer.
 
We are not a credit broker and are not regulated by the FCA. Unless you believe you are a very experienced business individual, you should seek independent financial advice.

OUR DUTY OF CARE AND POLICY ON TREATING CUSTOMERS FAIRLY ( TCF )

In dealing with Clients our duty of care dictates that in all cases the recommendation we make will be based on the best and most appropriate solution for the client and that the loan is for business purposes only.  All information provided by Clients is handled in accordance with the Data Protection Act and The General Data Protection Regulation (GDPR) as set out by the Information Commissioners Office.

DEBT SERVICEABILITY / VULNERABLE CLIENTS POLICY / CLIENT RISKS
Our duty of care and regulatory obligations dictate that in all Client engagements we should take all possible steps to ensure that the following conditions are met:

  1. That we ascertain a viable exit strategy is in place for the redemption of the loan.
  2. That we advise all Clients of the associated risks and possible consequences should they not be able to make the regular scheduled payments during the agreed term for any loan, lease or mortgage taken out.  Associated risks can extend to and are not confined to the asset used for security being at risk.


CREDIT PROFILE SEARCHES

In providing our services it may be necessary for a recommended Lender to complete a formal credit search on a Client and if this is required the Company will always seek the prior approval of the Client before such a search is carried out.

FREE SERVICES PROVIDED TO THE CLIENT WITHOUT OBLIGATION

There is no obligation on the Client to accept any offer of funding recommended by the Company by way of the summary report and the Company will not usually apply any charges for the services provided to that point.

COMPLAINTS HANDLING POLICY

The Company works hard to provide a consistently high level of service to all Clients. Should any Client have a grievance or complaint to make to the Company this should be referred to the Company either by telephone 01491 572001, via e-mail to office@henleyfinance.co.uk (marking the subject title - Client Complaint) or by letter to : The Managing Director, Henley Finance Ltd, Thames Court, Henley on Thames, RG9 1BH.

All complaints registered will be acknowledged within five business days and all matters relating will be handled either in person by the Managing Director of the Company or by a nominated senior member of staff. Every effort will made to resolve the complaint or grievance as quickly as possible and to the satisfaction of the Client.

SOFTWARE USE 

Software that may be made available to download from this website ("Software") is the copyrighted work of The Company and/or Third Party Providers. Use of the Software is governed by the terms of the end user license agreement that accompanies or is included with the Software ("License Agreement"). An end user agrees to the License Agreement terms by installing, copying, or using the Software. The Software is made available for downloading solely for use by end users according to the License Agreement. Without limiting the foregoing, the copying or reproduction of the Software to any other server or location for further reproduction or redistribution is expressly prohibited. Any reproduction or redistribution of the Software not in accordance with the License Agreement is expressly prohibited by law, and may result in severe civil and criminal penalties. Violators will be prosecuted to the maximum extent possible. 
 
THE SOFTWARE IS WARRANTED, IF AT ALL, ONLY ACCORDING TO THE TERMS OF THE LICENSE AGREEMENT. EXCEPT AS MAY BE EXPRESSLY WARRANTED IN THE LICENSE AGREEMENT. The Company HEREBY DISCLAIMS ALL EXPRESS OR IMPLIED REPRESENTATIONS, WARRANTIES, GUARANTIES, AND CONDITIONS WITH REGARD TO THE SOFTWARE, INCLUDING BUT NOT LIMITED TO ANY IMPLIED REPRESENTATIONS, WARRANTIES, GUARANTIES, AND CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT, EXCEPT TO THE EXTENT THAT SUCH DISCLAIMERS ARE HELD TO BE LEGALLY INVALID.

SUBMISSIONS

Except where expressly provided otherwise by us, all comments, feedback, information or materials submitted to Henley Finance Ltd through or in association with this website ("Submissions") shall be considered confidential.
You acknowledge that you are responsible for the Submissions that you provide, and that you and not Henley Finance Ltd, have full responsibility for the Submissions, including their legality, reliability, appropriateness, originality and copyright.

DISCLAIMER

Where expressly provided otherwise by the Company the materials on the website are provided "as is", and the company hereby disclaims all express or implied representations, warranties, guaranties, and conditions, including but not limited to any implied warranties or conditions of merchantability, fitness for a particular purpose, title and non-infringement, except to the extent that such disclaimers are held to be legally invalid. The Company makes no representations, warranties, guaranties, or conditions as to the quality, suitability, truth, accuracy, or completeness of any of the materials contained on the web site.

LIMITATION OF LIABILITY
 
We shall not be liable for any damages suffered as a result of using, modifying, contributing, copying, distributing, or downloading the materials. In no event shall the company be liable for any indirect, punitive, special, incidental, or consequential damage (including but not limited to loss of business, revenue, investment, profits, use, data or other economic advantage), however it arises, whether in an action of contract, negligence or other tortious action, arising out of or in connection with the use or performance of information available from this website (or any of its affiliates directors, officers, partners or employees, even if the company has been previously advised of the possibility of such damage.

You have sole responsibility for the adequate protection and backup of data and/or equipment used in connection with the website and you will not make a claim against the company for lost data, re-run time, inaccurate output, work delays, or lost profits resulting from the use of the materials. You agree to hold the company harmless from, and you covenant not to sue the company for, any claims based on or related to the use of the website.

Henley Finance Ltd controls this website from its headquarters in the United Kingdom and makes no representation that these Materials are appropriate or available for use in other locations. The service is hosted in the UK at a location other than the company headquarters and as such you should be aware that any data that you submit travels to a secure server in another location. If you use this website from other locations, you are responsible for compliance with applicable local laws including but not limited to the export and import regulations of other countries.

GENERAL

This website may include inaccuracies or typographical errors. The Company and the Third Party Providers may make improvements and/or changes in the products, services and programs described in this website at any time without notice. The Company may periodically make changes to the website. Any action related to these Terms will be governed by the law prevailing in England and Wales and any superior EU legislature.

These Terms represent the entire understanding relating to the use of the website and prevail over any prior or contemporaneous, conflicting or additional, communications.

The Company has the right to revise these Terms at any time without notice by updating this posting. Any rights not expressly granted herein are reserved by The Company

INTELLECTUAL PROPERTY AND TRADEMARK NOTICES 

Elements of the website are protected by trade mark protection and other laws and may not be copied or imitated in whole or in part. No logo, graphic, sound or image from the website maybe copied or re-transmitted unless expressly permitted by The Company.

LEGAL CONTACT 

Information you have any questions about these Terms, or if you would like to request permission to use any Materials, please contact The Company either by e-mail to office@henleyfinance.co.uk or by mail to the company address.
 

Henley Finance

Telephone: 01491 572001

Email: richard@henleyfinance.co.uk
office@henleyfinance.co.uk

Company no: 07908634. Registered in England and Wales

Registered office, Stirling House, 27 Hatchlands Road, RH1 6RW