Terms of Business

Terms of Business

1. Who are we?

a. Reynolds and Stein Company Ltd. are a vehicle finance broker based in the South East of the UK.
b. Our friendly team are on hand to support you within this journey and are on hand to answer any questions you may have.
c. Our aim is to provide you with the best service and to try to obtain the best financial acceptance to fit your circumstance. We work with a panel of lenders in order to help you obtain an acceptance.
d. Treating Customers Fairly (TCF) is a core part of our culture and we are committed to ensuring you receive a product suitable for your needs and circumstance.

2. Contact Us

a. Should you have any questions prior to making an application, or have any queries during or after your application has been made, you can contact us on the following information –
E: info@carfinancegenie.co.uk
P: ADDRESS Car Finance Genie
Unit 3,
Station Place,
114-118 Kings Road,
CM14 4EA

3. Regulation

a. Reynolds and Stein Company Ltd. is a firm registered within England and Wales, company number 11150103.
b. We are authorised and regulated by the Financial Conduct Authority (‘FCA’), under FRN FCA No: 660659
c. We act as a credit broker, not a lender.
d. You will not be charged a fee for using our services; however, we must inform you that we may receive a commission payment from the lender we introduce your information too. This will not impact any rate you are offered.
e. We will never provide you with a recommendation or advise you on certain products, however, we or our lenders will provide you with all the information required to assist you in making an informed decision.

4. Finance Options

a. In order to assist you with obtaining vehicle finance, your details will be passed over to lenders with whom we work with.
b. Our lending panel, in order to assess your credit worthiness, will check your information with credit reference agencies, and potentially fraud prevention agencies.
c. They will also use the information that you have provided us to assist them in assessing your current status and affordability.
d. Please note that we cannot guarantee an acceptance and all potential finance is subject to terms and status.
e. Before entering into any agreement, you should ensure you have fully read and understood the agreement you are considering entering into.
f. We encourage you to take the time to read through any documentation provided, and please do ask any questions you may have.

5. Affordability

a. It is extremely important that you look into finance options that are suitable for your current (and potential future) financial situation.
b. Our team will go over all your details to ensure we have the correct information to pass onto our lenders, who will then try to verify the information. However, please note that evidence of your income may be requested.
c. If you are aware or suspect that your financial position will change in the future, you must inform us.
d. Your credit rating could be adversely affected if you do not make payments when due.

6. Complaints

a. If you wish to make a complaint, please do contact us using the contact information above.
b. For full information on how we handle complaints, please see our complaints procedure.

7. Your Information

a. In order to process your application, you will need to provide us with some of your personal information. We pride ourselves on handling your information in the most secure and professional way we can.
b. Your data will not be processed without your explicit consent for us to do so, therefore if you do not wish for your application to be processed, we kindly ask that this is not submitted.
c. As mentioned above, your information will be passed over to our lender network in order to try to obtain you a finance acceptance. Whilst we have assessed the lenders we work with; we have included their information within our privacy policy so you can fully research how they will use your information.
d. For further detail on how your information is used by us and who it will be shared with, please view our privacy policy here.

Our ICO number is ZA753348