Terms of Business  This document sets out the terms of business between Performance Finance Ltd and its clients.  We are regulated by the Financial Conduct Authority (FCA) and follow their guidance in terms of procedures, treating customers fairly and complaints. 

Type of Business 
Performance Finance Ltd is a fully FCA authorised direct lender and credit brokerage. 
We provide Lease, Loan and Hire Purchase facilities via regulated and non-regulated agreements. 
These can be made available via our own funds or via our network of approved lenders. 
Charges for our services and commissions received 
For agreements we arrange through third parties: 
You will not be charged directly for the provision of these finance agreements; however, we reserve the right to charge for additional services you request after activation such as settlement figures. 
Any such charges will be fair and be provided at a reasonable cost for our time and work involved. 
Performance Finance Ltd do not charge a fee for arranging your finance. We can introduce you to a limited number of carefully selected credit providers who may be able to offer you finance. Our role as a credit broker is to determine which lender on our panel is most suitable for your needs and circumstances. Each credit provider may have different interest rates and charges, we will receive commission from the credit provider for introducing you to them, the commission received is either a fixed fee or a percentage of the amount you borrow. Although they pay commission, this does not have an effect on the amount that you pay to that lender under your credit agreement. 
Should you wish to know how much commission we will receive please contact the Compliance Officer. 
For agreements where we are a direct lender: 
There will be no additional fees for our services other than those clearly stated in our documentation. 
However, we reserve the right to charge for additional services you request after activation such as for settlement figures.  
Any such charges will be fair and be provided at a reasonable cost for our time and work involved. 
We do not advise or arrange insurance products. 
Advice and Recommendations 
Any advice your account manager provides will be based on your personal or business financial disclosures. It is important to answer questions fully and accurately in order that we can best assess your needs and requirements. There is no obligation to take out finance with Performance Finance and other methods of financing may be available to you. 
Your Duty of Disclosure 
It is your responsibility to provide complete and accurate information to Performance Finance Ltd when you apply for a loan or asset finance.  
It is important that all statements made on the proposal form, or on any additional documentation are full and accurate. 
Please be aware that ifyou fail to disclose any relevant information, or any change of circumstances to us any credit approval may be immediately withdrawn.  
We strongly recommend that the information you provide is checked thoroughly prior to submission. 
Acting in your Best Interests 
If any material interest or conflict of interest should arise in business that we are arranging foryou, we will let you know and ask for your consent before we carry out your instructions. 
Treating Customers Fairly 
Treating customers fairly is at the heart of everything we do. We will act in your best interests at all times,provide excellent value products and services, ensure our communications are clear, concise and jargon free and if you have a complaint we will treat it seriously and resolve it quickly and fairly. 
Your Rights 
The FCA has rules which affect the rights you have as a customer. Ultimately if you become unhappy about our services you may complain to The Financial Ombudsman Service directly: 
Or by post to: 
The Financial Ombudsman Service 
Exchange Tower 
Harbour Exchange Square 
Isle of Dogs 
E14 9SR 
0800 023 4567 
General Data Protection Regulation (GDPR) 2018 
The personal data you provide will be used and stored in accordance with the General Data ProtectionRegulation (GDPR) 
2018. You have a right to access all the personal information that Performance Finance Ltd holds about yourself.  
Read our full Privacy Policy. 
Performance Finance Ltd holds the government-backed Cyber Essentials Accreditation. In addition to thestandard GDPR policies, it is important to also understand what technology is in place to handle data, longterm throughout any finance agreement. 
Here at Performance Finance, our clients are at the forefront of our business and we continue to invest inour bespoke IT platform and ongoing accreditations to ensure that cyber safety is a top priority. 
Governing Law 
This agreement shall be governed and construed in accordance with the laws of England and Wales. In relation to any dispute, the client irrevocably agrees to submit to the non-exclusive jurisdiction of the English courts. 
Financial Crime 
All transactions relating to the services provided by us are covered by Money Laundering Regulations andthe Proceeds of Crime Act. The FCA also requires that we have appropriate measures in place to prevent fraud, money laundering and other financial crime. Our responsibilities under these Regulations, and therules of the FCA, include but are not limited to verifying the identity and address of our clients and of anythird party making payments on their behalf.  
Where we require, you must supply proof of your identity inaccordance with the requirements of the above regulations. We reserve the right to carry out electronic identification and anti-money laundering checks on all Directors and/or beneficial owners owning 25% ormore of the voting share capital of the business. 
Financial Searches 
Electronic searches of the electoral roll and the use of credit reference agencies, will result in a ‘foot-print’ on your credit records.  
This foot-print is visible to other financial service providers and may affect yourcredit rating. 
We will only action searches if you agree to proceed with a credit approval process with us. 
Our commitment to you,  
our customer 
We will explain our products fully and the true cost of each. There will be no hidden costs. 
We will always give you the best advice – even if it means losing your business. 
We will ask a number of questions that will enable us to fully understand your circumstances, needs and budget. 
Your business and personal information will always be treated in the strictest confidence. 
We will strive to make strong relationships with our service providers to ensure they mirror our commitment to you. 
Our documentation will be clear and easy to understand. 
We will always provide adequate explanations wherever required. 
On occasions that we feel it is appropriate for us to charge a fee for additional services, you request, post-completion, we promise that it will be reasonable and justifiable. 
All our staff will be professional and courteous to you – even if they are not directly involved in your business. 
If you are unhappy with the service we provide we will take your complaint seriously and attempt to resolve the matter to your complete satisfaction. 
If you have any questions regarding our terms of business, please contact us 
Performance Finance Ltd.  
First floor, Orion House, Orion Way, Kettering, Northamptonshire, NN15 6PE 
Tel: 01536 529 696 Email: info@performancefinance.co.uk Web: www.performancefinance.co.uk 
Performance Finance Limited is authorised and regulated by the financial conduct Authority firm reference number 689894. 
Performance Finance is also governed by the ICO (Information Commissioners office. 
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