Terms & Conditions

Who are we?

The Personal Finance Centre is a trading style of The Personal Finance Centre Limited. We are a consumer credit broker who offers solutions in the personal finance market. We believe in offering customers a better way to shop for a loan than the standard comparison model. We don’t offer headline rates to those customers who won’t qualify for them. Our years of experience in the loans and secured loans market ensure customers have the best possible journey from the moment they start their application right through to getting the funds in their bank account. This means that you can be sure that you the customer are at the heart of what we do as a business.

What is our registered address?

The Personal Finance Centre Limited
Unit 2
Estuary Business Park
Henry Boot Way
Hull
HU4 7DY
Registered in England and Wales. Company number 08687040.

Who regulates us?

The Personal Finance Limited is authorised and regulated by the Financial Conduct Authority. (FCA No 788011 )
Our Data Protection Register number is ZA242735.
Privacy Policy
The Personal Finance Centre Limited is committed to keeping your information private. By your ‘information’ we mean any information about you or anyone associated with you that you or a third party provides to us, as a result of the application process.

Consent, information usage and sharing

By proceeding you are confirming that you have consent of all persons named on the application to act and accept these terms and conditions on their behalf and in doing so give consent to us, our lenders, Credit Reference Agencies (CRA’s) and associated brokers to process your and their data in the ways described below.

• In order to provide the service you have requested we will process your information and share it with our panel of lenders, CRA’s, other brokers and any other third party we believe may be able to help you.
• In order to assess creditworthiness, verify identities, prevent financial crime and so we can find the right lender for your circumstances, we and our lenders may perform ‘soft’ credit searches (quotation searches) on you and anyone to whom you are financially linked. This search is conducted by a CRA and details of the CRA’s we work with are available on request. The result of the ‘soft’ search will be recorded on your file and or anyone you are financially associated with by the CRA but will not be visible to anyone but you or your financial associates. These searches have no impact on your credit score or the credit score of your financial associates.
• If you choose to proceed with a loan, your selected lender may perform a ‘hard’ credit search (application search), to verify your identity, confirm your address, assess your creditworthiness and to prevent and detect financial crime. In doing so, the CRA will add the details of this search to all credit files relevant to the application. This search can be viewed by the credit reference agency and any other organisation that conducts a credit search, including lenders. These organisations may use this information in the future to help make credit decisions, prevent financial crime and to trace debtors.
• If false or inaccurate information is provided, or if a reasonable suspicion of fraud or any other criminal offence is identified, details will be shared with fraud prevention agencies, law enforcement agencies and regulatory bodies who may access and use this information. We and other organisations may access and use the information recorded by fraud prevention agencies to prevent fraud and money laundering, for example, when:
  • Checking details on applications for credit and credit related or other facilities
  • Managing credit and credit related accounts or facilities
  • Recovering debt
  • Checking details of job applicants and employees
• Details of the fraud prevention agencies we work with are available on request, please e-mail help@thepersonalfinancecentre.com
• Information held about applicants by CRA’s may already be linked to records related to one or more of your partners or members of your household. For the purpose of this application you may be treated as financially linked and the application may be assessed with reference to any ‘associated ‘records.
• To identify you when you contact us.
• To satisfy legal and regulatory obligations placed upon us.
• To perform statistical analysis, system testing and research, with the aim of improving our service.
• To consider and implement business, products and technology developments.
• For the purpose of training our staff.
• For the purposes of auditing and monitoring our business activities.
• With your consent, both we and other carefully selected organisations or alternative credit and insurance providers may contact you by telephone, letter, fax, e-mail, SMS or other social media to offer other credit or insurance products which may be of interest to you. We may also send you information about money saving tips and guides. If you do not wish to be contacted with such offers or information then please opt out of future marketing activity on our application form or e-mail us at enquiries@thepersonalfinancecentre.com

Your Contact Details

We will use these details to contact you by telephone, email or text message to discuss your application(s). You can withdraw your consent at any time, please contact us if you want to do so. If you withdraw your consent this may mean that are we may not be able to provide certain products or services to you. If this is so, we will tell you.

Accuracy of loan quotes

The Personal Finance Centre takes every care to ensure the accuracy of the loan quotes which are based on the latest information available from the lenders at that time. However, the lenders on the panel reserve the right to change % APR or %APRC rates and underwriting criteria at any time and without notice. This may result in a change to the loan/secured loan offered to you or may result in the loan/secured loans offer being withdrawn.

1. The accuracy of the loan/secured loan quotes depends upon the accuracy of the information you have provided. The Personal Finance Centre and the lenders on the panel will conduct checks to verify the accuracy of the information you have provided. If information you have provided changes as a result of these checks, the original offer may be changed or withdrawn.
2. The expected time periods from submitting your application to receiving your loan/secured loan funds are only a guide. Any delay in the returning of your loan documents, proof of income or identification and/or delays with any third party we or the lender need to contact in order to process your application, may result in your application taking longer to complete.
3. If you’re thinking of consolidating existing borrowing you should be aware that although you may reduce your monthly outgoings you may be extending the terms of the debt and increasing the total amount you repay.
4. It’s important that you can afford the repayments now and continue to do so throughout the term of the loan as failure to keep up with your repayments could lead to defaults, CCJ’s, ultimately bankruptcy and affect your ability to obtain future credit.

How do we maintain your information?

The Personal Finance Centre is committed to safeguarding the privacy of your information. We use industry standard methods to ensure that all the information you provide via this site is secure. When it reaches us, we then store it on secure servers so that it can only be viewed by authorised personnel. We will only collect personally identifiable information to the extent deemed reasonably necessary to serve our legitimate business purposes. If we do transfer it outside the EEA, the information may be processed by staff operating outside the EEA who work for us or one or more suppliers. Such staff may be engaged in, among other things, the fulfilment of services, the processing of the application details, and the provision of support services. By submitting your personal information, you agree to this transfer, storing or processing. We will take all steps reasonably necessary to ensure that your information is treated securely and in accordance with this privacy policy.

Review, correction and deletion of information we hold.

You have the right to request copies of all records we hold about you. You may request this by writing to us at: Compliance Department, The Personal Finance Centre, Unit 2, Estuary Business Park, Henry Boot Way, Hull, HU4 7DY. This service is free of charge. We shall respond to your request as promptly as possible, but no later than 30 calendar days from receiving it.

How we earn our money

Our income is derived from commissions paid by the lenders and other third parties we deal with for any successful introduction we make. In addition, a broker fee may be charged in relation to a mortgage product you choose to cover our administration and processing costs. This fee will be reflected in the APRC applied to the mortgage/secured loan. If you chose to add the fees to the mortgage/secured loan it will be included in any monthly payment you are quoted. You can opt to pay the broker fee up-front, your Adviser will discuss these options with you.

How to give feedback or make a complaint.

Your opinion is very important to us. Listening to your views helps us develop our company ethos of having customers at the heart of what we do! Please e-mail us help@thepersonalfinancecentre.com with any feedback you may have.

We all make mistakes and if we do get something wrong we want to know about it so we can put it right. We treat all complaints very seriously and promise to deal with them fairly and promptly, and in many cases we will resolve them straight away. If you have a complaint please contact us by writing to the Compliant Dept. at the above address, via e-mail help@thepersonalfinance.com or telephone us on 01482 241 275.

The Personal Finance Centre will try to resolve any complaint with you. However if you are unhappy with our final response or we are unable to issue our final response within 8 weeks of receiving your complaint you can refer your complaint to the Financial Ombudsman Service. You can get more information about them at the following link: http://financial-ombudsman.org.uk/consumer/complaints.htm

What law is applicable to your contract with us?

In legal disputes, the Law of England will apply. As required by law, please note any terms and conditions of your application and agreements will be in English, governed by the laws of England and Wales and we will communicate with you in English.

How do we use third party websites?

Our website may contain links to sites operated by persons outside The Personal Finance Centre. These terms and conditions do not apply to those websites. We are not responsible for the privacy practices, content, or the products and services provided through those sites. We do not accept any responsibility for such third party website, including without limitation for their accuracy, security, the products or services which they offer or for any information which is collected through them. You are responsible for reviewing and abiding by the privacy policies and website terms and conditions of such third party websites.

Changes to our privacy policy

Any changes we may make to this privacy policy in the future will be posted on this page.

Terms of use

Your use of this website constitutes your agreement to all the terms of use detailed below.

1. The information that is made available on this website is intended for general information purposes only and is provided on an ‘as is’ basis without any warranties of any kind.  The Personal Finance Centre does not accept any liability for any loss arising as a result of reliance on the information contained on this website.
2. This website is owned by The Personal Finance Centre and is protected by copyright and database rights. You acknowledge that all trademarks (registered or unregistered) used in providing this service shall remain the property of The Personal Finance Centre Ltd at all times.
3. You shall not copy, adapt, exploit or otherwise use the information contained on this website in any way, save for the downloading and temporary storage of one or more of these pages for the purpose of viewing on a personal computer or terminal, provided that you do not delete any copyright and other proprietary notices contained therein.
4. We may make improvements or changes to the products, services and prices detailed on this website at any time without notice.
5. You agree that you will not use this website to:
   1. Commit or encourage any criminal offence, including but not limited to harming a minor in any way and stalking or harassing another;
   2. Insert or knowingly or recklessly transmit or distribute a virus, worm, trojan horse, time bomb, trap door or any other computer code, files or programs or repetitive requests designed to interrupt, destroy or limit the functionality of any computer software or hardware or telecommunications equipment or to diminish the quality of, interfere with the performance of or impair the functionality of this website, including carrying out any hacking activity;
   3. Circumvent, or attempt to seek to circumvent, any of the security safeguards of this website;
   4. Permit any third party to do any of the above.
6. While we try and ensure that all information on this website is accurate and up to date, errors may occur and we accept no liability for such errors. If we discover an error we will amend the website as soon as reasonably possible.
7. We neither warrant nor represent that your use of this website will not infringe the rights of third parties.
8. We are interested in protecting your personal information and we only use your personal information in accordance with our Data Protection Policy.
9. You have sole responsibility for adequate protection and backup of data and/or equipment used by you in connection with this website and will not make a claim against The Personal Finance Centre for lost data, re-run time, inaccurate output, work delays or lost profits resulting from the use of such materials.
10. We may edit this policy from time to time. If we make any substantial changes we will notify you by posting a prominent announcement on our pages.
11. The Personal Finance Centre reserves the right to refuse access to this website or any component of it. We may at any time, at the discretion of the site’s management, refuse access to certain areas of this website to any individual it chooses – this refusal of access may take whatever form the management deem suitable.
12. These terms shall be governed by and construed in accordance with English law and subject to the exclusive jurisdiction of the English Courts.
13. This site is controlled and operated by The Personal Finance Centre Ltd from the United Kingdom. The Personal Finance Centre Ltd makes no representations that materials in this website are appropriate or available for use in other locations. Those who choose to access this website from other locations do so at their own risk and are responsible for compliance with any and all local laws, if and to the extent local laws are applicable. No material from this website may be downloaded, exported or re-exported into (or to a national or resident of) any countries that are subject to UK exporting restrictions/legal or socio-economic sanctions.

If you have any questions about these Terms and Conditions, or any other aspect of this website please contact us at:

Customer Service,
The Personal Finance Centre Ltd,
Unit 2,
Estuary Business Park,
Henry Boot Way,
Hull,
HU4 7DY

Tel: 01482 241 275
e-mail: help@thepersonalfinancecentre.com

Calls may be recorded for training and monitoring purposes

Prize Draw Terms and Conditions 2023

1. By entering the prize draw you are agreeing to these prize draw terms and conditions.
2. The prize draw is being run & promoted by The Personal Finance Centre Limited.

Eligibility to enter

3. The prize draw is open to residents of the UK who are at least 18 years of age, who complete a customer feedback survey / review. The prize draw is not open to employees of The Personal Finance Centre Limited running the prize draw.
4. In entering the prize draw, you confirm that you are eligible to do so and eligible to claim any prize you may win.
5. A maximum of one entry per individual is permitted.
6. The prize draw is free to enter.
7. The prize draw will include those who complete a customer feedback survey or a review.
8. To enter this prize draw you must complete a customer feedback survey / review.
9. The Personal Finance Centre will not accept responsibility if contact details provided are incomplete or inaccurate.

The prize

10. Winner will receive a £100 voucher. The type of voucher is at winners choice.
11. The winner will be drawn at random & the prize draw will take place every quarter.
12. The prize is non-exchangeable, non-transferable and no alternatives will be offered.
13. We reserve the right to substitute prizes with another prize of equal or higher value if circumstances beyond our control make it necessary to do so.
14. The decision of The Personal Finance Centre regarding any aspect of the prize draw is final and binding and no correspondence will be entered into about it.

Winner announcement

15. The winner will only be notified within three weeks of each quarterly prize draw, via the email address provided during the feedback survey. The winners’ names may also be featured within The Personal Finance Centre promotions. If unsuccessful you will not be contacted.
16. The Personal Finance Centre will attempt to contact the winner by email twice.
17. If the winner does not respond to the emails notifying them of their win within 14 days of the second email, they will lose their right to the prize, and The Personal Finance Centre reserves the right to choose and notify a new winner.