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.

Carol St Clair
Carol St Clair
Absolutely brilliant company. Everything explained and sorted for me from start to finish. Will definitely recommend these guys. Thank you from a very happy customer 😁
idrees ali
idrees ali
Kirsty provided a fantastic service, would recommed to everyone. Happy motor finance
Matt James
Matt James
Brilliant help , very stress free experience. Highly recommend , Damien was excellent from start to finish .
Andy Ryan
Andy Ryan
Absolutely outstanding service from Damian at Happy Motor Finance, start to finish 48 hours everything was explained and was an easy process. Highly recommended and cheers Damian much appreciated!
Victoria Sumner
Victoria Sumner
Amazing service from Leon and a new car sorted in less than a week.
Peter Killiard
Peter Killiard
I could make this very very long winded but I won’t. I’ll just say that Kirsty and the team gave me the best customer service and buying experience ever. Thank you very much and I’ll be back when it’s time to upgrade.
Barry O'Brien
Barry O'Brien
Kirsty was very patient, I don’t think I was an easy customer, I can’t remember how many cars I looked at, there was no pressure and Kirsty was extremely helpful and nothing was too much trouble, we eventually got a great deal on my ideal car, Thank you Kirsty
Jack Scorey
Jack Scorey
Leon was great! Fast responses to questions and always happy to help. Very quick process from start to finish. I would recommend this company to anyone.
Kyle Dann
Kyle Dann
If I could give 6 stars I would, team member Yaz has been the most help from any finance company I’ve tried in getting a new car and helped me out massively. Top man and a top company would massively recommended.
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Company Name & Contact Details
Happy Motor Finance
Clippers House
Clippers Quay
M50 3XP
0161 524 0582
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
Specialist Automotive Finance Approved
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