Terms & Conditions

1. Introduction

These terms and conditions ("Terms") govern your use of the Happy Motor Finance website at happymotorfinance.co.uk ("the Website") and the services provided by Happy Motor Finance Ltd ("we", "us", "our"). By accessing or using our Website and services, you agree to be bound by these Terms. If you do not agree with any part of these Terms, you must not use our Website or services.

Please read these Terms carefully before using our Website. We recommend that you print or save a copy of these Terms for your records.

2. About Us

Happy Motor Finance Ltd is a credit broker, not a lender. We are authorised and regulated by the Financial Conduct Authority (FCA). Our role is to introduce you to lenders from our panel who may be able to offer you motor finance. We do not charge customers a fee for our services; we may receive a commission or fee from the lender if you enter into a finance agreement.

We act as a credit intermediary and not as a lender. Any finance agreement you enter into will be between you and the lender, not between you and Happy Motor Finance Ltd.

3. Eligibility

To use our services, you must:

• Be at least 18 years of age
• Be a resident of the United Kingdom
• Hold a valid UK driving licence (full or provisional)
• Have a regular source of income
• Not be an undischarged bankrupt (unless disclosed to us)

Meeting these criteria does not guarantee that you will be approved for finance. All applications are subject to the lending criteria of our panel of lenders.

4. Our Services

4.1 Credit Broking

We provide a credit broking service. This means we will:

• Collect information about your personal and financial circumstances
• Use this information to search for suitable finance options from our panel of lenders
• Present available finance options to you
• Facilitate the finance application process with the chosen lender

4.2 No Advice

We do not provide financial advice. The information we provide is for general guidance only and should not be considered as personal financial advice. We recommend that you seek independent financial advice if you are unsure about whether a finance product is suitable for your needs.

4.3 No Guarantee

We do not guarantee that we will be able to find you a finance offer, nor do we guarantee any specific terms, interest rates, or monthly payments. All finance offers are subject to the lender's individual assessment and lending criteria.

5. Your Obligations

When using our services, you agree to:

• Provide accurate, complete, and truthful information in your application
• Promptly notify us of any changes to the information you have provided
• Not use our services for any unlawful purpose or in any way that could damage, disable, or impair the Website
• Not attempt to gain unauthorised access to any part of the Website or any systems connected to it
• Not use any automated means (bots, scrapers, or similar technology) to access or use the Website

Providing false or misleading information may constitute fraud, which is a criminal offence. We reserve the right to report any suspected fraud to the relevant authorities.

6. Finance Applications

6.1 Application Process

When you submit a finance application through our Website, you authorise us to share your personal and financial information with our panel of lenders for the purpose of assessing your application. An initial soft credit search may be performed which will not affect your credit score. A full credit search will only be conducted with your consent once a lender is ready to proceed with a formal application.

6.2 Lender Decisions

All lending decisions are made by the lender, not by us. We have no control over whether a lender approves or declines your application, or the terms offered. If your application is declined by one lender, we may submit it to other lenders on our panel (with your consent) to try to find you an alternative offer.

6.3 Finance Agreements

If you are approved for finance, the finance agreement will be between you and the lender. You should read the lender's terms and conditions carefully before entering into any agreement. You will have a 14-day cooling-off period from the date of signing the agreement during which you can withdraw without penalty.

6.4 Commission Disclosure

We may receive a commission, fee, or other remuneration from the lender if you enter into a finance agreement. The amount of commission we receive may vary depending on the lender and the type of finance product. This commission does not affect the amount you pay. We will disclose the commission arrangement to you before you enter into a finance agreement, and you can request further details at any time.

7. Vehicle Purchases

Happy Motor Finance Ltd is not a car dealer. We do not sell vehicles and are not a party to any vehicle sale transaction. Any contract for the purchase of a vehicle is between you and the dealer. We do not inspect, warrant, or guarantee any vehicle. You should carry out your own checks on any vehicle you intend to purchase, including an HPI check and independent inspection.

8. Website Use

8.1 Intellectual Property

All content on this Website, including but not limited to text, graphics, logos, images, audio clips, video clips, data compilations, and software, is the property of Happy Motor Finance Ltd or its content suppliers and is protected by UK and international copyright, trademark, and other intellectual property laws. You may not reproduce, modify, distribute, or republish any content from this Website without our prior written consent.

8.2 Accuracy of Information

While we make every effort to ensure that the information on our Website is accurate and up to date, we do not guarantee the accuracy, completeness, or timeliness of any information provided. Representative examples of finance are for illustrative purposes only and may not reflect the actual terms you will be offered.

8.3 Calculator and Tools

Any calculators, tools, or illustrative examples provided on our Website are for general guidance only. The results they produce are estimates and should not be relied upon as a guarantee of any finance terms. Actual terms will depend on your individual circumstances and the lender's assessment.

8.4 Third-Party Links

Our Website may contain links to third-party websites. These links are provided for your convenience only and do not signify endorsement. We have no control over the content of third-party websites and accept no responsibility for them or for any loss or damage that may arise from your use of them.

9. Limitation of Liability

To the maximum extent permitted by law:

• We shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of our Website or services.
• We shall not be liable for any loss or damage caused by a virus, distributed denial-of-service attack, or other technologically harmful material that may infect your computer equipment, programs, data, or other proprietary material due to your use of our Website.
• Our total liability to you for all claims arising out of or related to these Terms shall not exceed the amount of any commission we received in connection with your finance application.

Nothing in these Terms excludes or limits our liability for death or personal injury caused by our negligence, fraud or fraudulent misrepresentation, or any other liability that cannot be excluded or limited by English law.

10. Complaints

If you are unhappy with any aspect of our service, please contact us so we can try to resolve the issue. You can find full details of our complaints procedure on our Complaints Procedure page.

If we are unable to resolve your complaint to your satisfaction, you may be able to refer it to the Financial Ombudsman Service.

11. Privacy

Your privacy is important to us. Please read our Privacy Policy to understand how we collect, use, and protect your personal data.

12. Amendments

We reserve the right to amend these Terms at any time. Any changes will be posted on this page with an updated "last updated" date. Your continued use of the Website after any changes constitutes your acceptance of the new Terms. We recommend that you check this page periodically for any updates.

13. Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, the remaining provisions shall continue in full force and effect.

14. Entire Agreement

These Terms, together with our Privacy Policy and Cookie Policy, constitute the entire agreement between you and Happy Motor Finance Ltd in relation to your use of the Website and supersede all previous agreements and understandings.

15. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of England and Wales. Any disputes arising out of or in connection with these Terms shall be subject to the exclusive jurisdiction of the courts of England and Wales.

16. Contact Us

If you have any questions about these Terms, please contact us:

• Email: info@happymotorfinance.co.uk
• Website: happymotorfinance.co.uk