Anti-Bribery and Corruption

1. Introduction

The Financial Conduct Authority places on all regulated firms a responsibility to make sure that the firm cannot be used to further financial crime.

The directors of Happy Motor Finance are committed to doing business ethically, with the highest standards of integrity, and to maintaining a culture which reinforces and encourages the approach both directors have and all future employees and business partners.

This policy sets out structure of the systems and controls that Happy Motor Finance will put in place to prevent the involvement of the company or its employees, self-employed advisers or agents in bribery or corruption.

2. Overview

Happy Motor Finance defines bribery as a payment, benefit or other advantage that is offered, promised, given, accepted, or requested, with the intention of encouraging an action that is illegal or a breach of trust.

Happy Motor Finance has a zero tolerance of bribery in all the company's activities including management, employees, introducers, agents or any other associated person.

Responsibility for implementing has been assigned to Matthew Royle.

3. Risk-based approach

In line with FCA requirements and the Ministry of Justice Bribery Act guidance. Happy Motor Finance has adopted a risk-based approach to Bribery.

Happy Motor Finance will undertake a qualitative process to assess the nature and extent of the risks relating to bribery to which Happy Motor Finance is exposed, taking into account:

  • The relationship between Happy Motor Finance and its owners.

  • Relationships with law enforcement, regulatory bodies, and trade organisations;

  • Relationships with customers, Happy Motor Finance, and product providers;

  • Relationships with third party providers of products and services which we use, recommend, or re-sell;

  • Internal relationships between internal departments.

Happy Motor Finance will document this risk assessment and seek approval on an annual basis from the Matthew Royle at Happy Motor Finance.

4. Risk control

Happy Motor Finance will put in place documented controls for employees and departments, including sufficient guidance to implement those controls effectively, to meet the following minimum requirements:

  • Documented policies for all staff detailing their obligation to report knowledge or suspicions of bribery, including processes for reporting;

  • Documented policies requiring all departments to assess their bribery and corruption risks and to put in place controls to prevent or mitigate these risks. Such procedures must include provision for Happy Motor Finance to audit those controls;

  • Documented procedures for receiving, assessing, and dealing with reports of potential bribery, including procedures for notifying the Serious Fraud Office and FCA of any misconduct within the company;

  • Document procedures for producing appropriate management information;

  • Documented procedures, applicable to all senior managers and staff, requiring approval of all gifts and hospitality by Matthew Royle subject to appropriate limits set out in the Gifts, Hospitality & Inducements Policy.

5. Training

Happy Motor Finance will develop and maintain a staff awareness training programme to include:

  • The company's zero-tolerance approach to bribery;

  • An overview of anti-bribery legislation;

  • An overview of Happy Motor Finance key bribery risks;

  • Examples of how those risks may occur within the business;

  • Employee's obligations and responsibilities to report suspected bribery; and

  • Details on how to make such a report.

>Happy Motor Finance will put in place procedures to make sure all new employees receive appropriate training, including all Board Members and staff.

>All employees will receive refresher training every 12 months.

>Any significant changes to policies or responsibilities will be notified to staff by at team meetings.

>Happy Motor Finance will maintain a record of all training provided.

6. Contracts of employment

All employees have an obligation to protect the assets of Happy Motor Finance including protecting the business from involvement in bribery or corruption.

This obligation will form part of the job description or contract of every individual employed or contracted to Happy Motor Finance. Any breaches in this obligation may therefore be treated as a breach of contract leading to disciplinary action and where appropriate, dismissal or referral to the regulatory or law enforcement.

Song Bird
Song Bird
Could not recommend Happy Motor Finance enough. Kirsty has been so helpful throughout, searching for cars and contacting dealerships on my behalf. She has gone above and beyond and made what could have been a stressful experience a walk in the park. Would definitely use again. Highly recommend
Jordan Little
Jordan Little
Brilliant service sorted everything for me
Tricky Mooney
Tricky Mooney
First class, quick and easy and extremely helpful from start to finish 👍🏼
Lucy Holden
Lucy Holden
Brilliant service from star to finish super fast on the forms and got my dream car ❤️
Debbie King
Debbie King
Excellent company highly recommend. Always available to help, brilliant communication and always kept informed of how the process was going. Swift, helpful and kind. Can’t wait to collect my new car. Thank you.
Nicola Redgrave
Nicola Redgrave
Fab from start to finish! Thank you so much! Can't wait to pick my car up! ❤️
Matthew Moxham
Matthew Moxham
Absolutely 110%.. Extremely helpful very fast replies.. Absolutely could not do enough for me.... Customer service is exactly how it should be... Amazing experience from the start to finish Thankyou
Easy and very helpful in finding the right car for me
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Happy Motor Finance Limited is registered in England and Wales under company number: 14387669. Registered office address: Clippers House, Clippers Quay, Salford, England, M50 3XP

Happy Motor Finance Limited (FRN - 989250) is authorised and regulated by the Financial Conduct Authority. We act as a credit broker not a lender. We work with a number of carefully selected credit providers who may be able to offer you finance for your purchase. (Written Quotation available upon request). Whichever lender we introduce you to, we will typically receive commission from them (either a fixed fee or a fixed percentage of the amount you borrow) this will not affect the rate you are offered or the amount you will pay back. The lenders we work with could pay commission at different rates. All finance is subject to status and income. Terms and conditions apply. Applicants must be 18 years or over. We are only able to offer finance products from these providers.

Happy Motor Finance Limited are registered with the Information Commissioners Office under registration number: ZB408604

VAT Number: 456 0212 21