Terms of Business

1. WHO WE ARE

Whoosh Car Finance Limited is an experienced motor finance broker based in Manchester, UK. Our mission is to provide a quality, personable service to all of our customers, whilst offering the best financial acceptance we can obtain. We pride ourselves on treating customers fairly and ensuring a seamless customer journey throughout the process.

Our friendly team are on hand to support you within this journey and are on hand to answer any questions you may have. Our aim is to provide you with the best service and to try to obtain the best financial acceptance to fit your circumstances. We work with a limited number of brokers and their finance partners in order to help you obtain an acceptance.

Acting in line with the FCA's Consumer Duty is a core part of our culture, and we are committed to delivering good customer outcomes and ensuring you receive a product suitable for your needs and circumstances.

2. CONTACT US

Should you have any questions prior to making an application, or have any queries during or after your application has been made, you can contact us using the following information:

3. REGULATION

Whoosh Car Finance Limited (Company No. 15772578) T/A Whoosh Car Finance is authorised and regulated by the Financial Conduct Authority ("FCA"), under FRN 1020313.

We act as a credit broker, not a lender. We can introduce you to a limited number of brokers and their finance partners who may be able to offer you finance facilities for your purchase. We will only introduce you to these companies.

You will not be charged a fee for using our services; however, we must inform you that we may receive a commission payment from the broker we introduce you to. This will not impact any rate you are offered.

We will never provide you with a recommendation - we provide you with information to make an informed decision.

4. CREDIT SEARCHES

By submitting your application through the Whoosh Car Finance website, you are allowing us to submit your details to the brokers and finance partners we work with, and to credit reference agencies.

In order to assess your creditworthiness, your details will be passed to the brokers and finance partners we work with, who may complete a soft search. Details of our finance partners can be found in our Privacy Policy.

The personal information we have collected from you will be shared with fraud prevention agencies who will use it to prevent fraud and money-laundering and to verify your identity. If fraud is detected, you could be refused certain services, finance or employment.

The brokers, finance partners and lenders your application is shared with may carry out a soft search of your credit file using the information you have provided, which will not leave a footprint on your credit file initially.

If your application is approved and you proceed and complete your application for finance, a footprint will be recorded on your credit file by the lender you have chosen to complete your finance with. If you do not consent for Whoosh Car Finance to submit your details to credit reference agencies, please do not submit an application.

5. FINANCE OPTIONS

In order to assist you with obtaining vehicle finance, your details will be passed to the brokers and finance partners we work with. They, and the lenders on their panel, may carry out credit checks of their own and may check your details with fraud prevention agencies.

These partners and their lenders, in order to assess your creditworthiness, will check your information with credit reference agencies, and potentially fraud prevention agencies. They will also use the information that you have provided us to assist them in assessing your current status and affordability.

These partners provide access to a wide range of credit products and, as a broker, we will try to obtain you a suitable finance acceptance. Please note that we cannot guarantee an acceptance and all potential finance is subject to terms and status.

Before entering into any agreement, you should ensure you have fully read and understood the agreement you are considering entering into. We encourage you to take the time to read through any documentation provided, and please do ask any questions you may have.

6. COMMISSION AND FEES

We will receive a commission payment from the broker we introduce you to for the introduction if you decide to enter into an agreement with them. The nature of this commission is as follows:

• We receive a fixed fee commission per finance agreement entered into, or
• We receive a commission based on a percentage of the total amount of finance taken

We will disclose the amount of any commission we will receive and gain your explicit consent before the agreement is entered into. Our service is entirely free to our customers.

Commission payments can vary based on each individual case. You may be able to obtain finance for your purchase from other lenders and you are encouraged to seek alternative quotations.

7. AFFORDABILITY

It is extremely important that you look into finance options that are suitable for your current (and potential future) financial situation.

Our team will go over all your details to ensure we have the correct information to pass on to our finance partners, who will then try to verify the information. However, please note that evidence of your income may be requested.

If you are aware or suspect that your financial position will change in the future, you must inform us.

Your credit rating could be adversely affected if you do not make payments when due. The responsibility for deciding whether you can afford to contract with a finance option provided to you via our service rests with you as only you are best placed to determine this.

8. DATA PROTECTION

In order to process your application, you will need to provide us with some of your personal information. We pride ourselves on handling your information in the most secure and professional way we can.

Your data will not be processed without your explicit consent for us to do so, therefore if you do not wish for your application to be processed, we kindly ask that this is not submitted.

As mentioned above, your information will be passed to the brokers and finance partners we work with in order to try to obtain you a finance acceptance. Whilst we have assessed the partners we work with, we have included their information within our privacy policy so you can fully research how they will use your information.

For further detail on how your information is used by us and who it will be shared with, please view our Privacy Policy. Our ICO registration number is ZB989798.

9. COMPLAINTS

If you wish to make a complaint, please do contact us using the contact information provided in Section 2 above.

If you would like to know how we handle complaints, please ask for a copy of our complaints handling process. We are committed to resolving any issues you may have in a fair and timely manner.

You can also find information about referring a complaint to the Financial Ombudsman Service (FOS) atfinancial-ombudsman.org.uk.

10. ELIGIBILITY

Applicants must be 21 or over. Terms and conditions apply, guarantees and indemnities may be required.

All finance is subject to status and affordability checks. We reserve the right to decline applications that do not meet our finance partner's eligibility criteria or those of their lender panel.

11. RELATED DOCUMENTS

You can view our related policies and documents here:

• Privacy Policy
• Terms and Conditions

12. UPDATES TO THESE TERMS

We may update these Terms of Business from time to time. Any changes will be posted on this page and will be effective immediately upon posting.

We recommend that you review these Terms of Business periodically to stay informed of any updates. Your continued use of our services after any changes indicates your acceptance of the updated terms.