Terms and Conditions

Terms and Conditions

For the purpose of these terms and conditions, ‘us’, ‘we’ and ‘our’ refer to Chrysalis Finance Limited and all of its associated trading division names and product brands.
Each time you access this website you are agreeing to be bound by these Terms and Conditions, and you are deemed to have read, understood and accepted them. We may change them from time to time and post any revised terms on the website. Your continued use of the website implies your consent to any such changes.
This website is owned and managed by Chrysalis Finance Limited (referred to as Chrysalis Finance)

Chrysalis Finance Limited (“Chrysalis Finance”) is a limited liability company registered in England and Wales, number 06541664. Chrysalis Finance’s registered office address is 1 Worsley Court, High Street, Worsley, Manchester, M28 3NJ and its postal address is PO Box 404, Alderley Edge, Cheshire SK9 0EA. Chrysalis Finance is authorised and regulated by the Financial Conduct Authority (“FCA”) under Financial Services Register number 631193. Chrysalis Finance is also registered with the Information Commissioner’s Office under registration number ZA007247.
This website is for the use of:

Businesses such as financial services introducers and brokers whether or not they already have an association with Chrysalis Finance’s trading divisions and consumers whether or not they are existing customers of Chrysalis Finance’s trading divisions.
It is intended to provide information about the services and products provided by the various trading divisions of Chrysalis Finance. It is also intended to redirect to you our other product specific websites of which some will allow you to submit online applications for our services or products. These terms and Conditions apply to all of those other web sites that we own and operate.

Please contact us if you wish to enquire further about or wish to apply for any Chrysalis Finance services or products, and we will advise how you can do this. We make every effort to ensure that the information on our website is up to date and correct, but we cannot guarantee that it is completely free of inaccuracies, errors or omissions.

Chrysalis Finance is not responsible for ensuring the availability of the website or the timeliness or otherwise of any content or information being made available to you.
We reserve the right to replace or amend any part of the website at any time without notice.

INFORMATION WE MAY USE TO CONTACT YOU

Chrysalis Finance will use information that you have voluntarily provided on this website and any Chrysalis Finance owned website it may redirect you to and use it to make contact with you in the provision of customer services.

This includes information provided on our finance application forms; whether fully completed or part completed, posting reviews, creating messages and other material or when you have opted to contact us through electronic means.

We may also ask you for information when you report a problem with the website. If you contact us, we may keep a record of that correspondence. We may also ask you to complete surveys that we use for research purposes and website improvement, although you do not have to respond to them.

Details of your visits to the Chrysalis Finance website including, but not limited to, traffic data, location data and other communication data and the resources that you access, will be also be used to improve the website and our service to you. All of this data may be recorded and used at a later date.

CHANGES TO THESE TERMS AND CONDITIONS

To stay up to date, please check this page each time you use this website.
Chrysalis Finance reserves the right to modify these terms and any linked policies at any time without notice. Your continued use of the site after any such replacement or modification, constitutes acceptance of the relevant changed or new terms of use.

TRADEMARKS AND COPYRIGHT

Copyright, trademarks, logos and all other intellectual property rights on our websites that relate to Chrysalis Finance and all of its associated trading names and product brands are owned or licensed to unless otherwise stated. You are responsible for ensuring that you comply with any applicable copyright laws and regulations.

DISCLAIMERS

Chrysalis Finance makes no warranty or representation that the web Site will meet your requirements, that it will be of satisfactory quality, that it will be fit for a particular purpose, that it will not infringe the rights of third parties, that it will be compatible with all systems, that it will be secure and that all information provided will be accurate.

No part of this web Site is intended to constitute advice and the Content of this web Site should not be relied upon when making any decisions or taking any action of any kind.

Chrysalis Finance and its trading divisions does not enter into any contract or obligations on the basis of the contents of this web Site alone.

All quotations on the site are for information purposes only and do not constitute an offer of finance. Rates and acceptance are not final until an agreement document has been signed following credit check and provision of required proofs.

No part of this web Site or any related web site operated by Chrysalis Finance is intended to constitute a contractual offer capable of acceptance. No goods and / or services are sold through this web Site and product and / or service details are provided for information purposes only.

Chrysalis Finance reserves the right to change prices and alter or remove any special offers from time to time and as necessary.

All enquiries for finance are subject to status and all applicants will be subject to a credit check.

A detailed description of how we use personal data will be provided in the form of a Data Processing Notice / Use Of Your Personal Data notice at the point of making an application.

PRIVACY

Please see our Privacy statement.

Credit Reference Agencies

We carry out credit and identity checks when you apply for a product or services for you or your business. We may use Credit Reference Agencies to help us with this.
If you use our services, from time to time we may also search information that the CRAs have, to help us manage those accounts. We will share your personal information with CRAs and they will give us information about you. The data we exchange can include:

  • Name;
  • Date of birth;
  • Current residential address;
  • History of where you have lived;
  • Contact details, such as email addresses and phone numbers;
  • Marital Status;
  • Number of Dependants;
  • Financial data (such as sort code and account number);
  • Documents such as your Driving Licence, Passport or Utility bills;
  • Data relating to you or any joint applicants relating to a credit application;
  • Employment details
  • Data that identifies computers or other devices you use to connect to the internet. This includes your Internet Protocol (IP) address.

In order to process your application, we will perform credit and identity checks on you with one or more credit reference agencies (“CRAs”). Where you take banking services from us we may also make periodic searches at CRAs to manage your account with us.
To do this, we will supply your personal information to CRAs and they will give us information about you. This will include information from your credit application and about your financial situation and financial history. CRAs will supply to us both public (including the electoral register) and shared credit, financial situation and financial history information and fraud prevention information.

We will use this information to:

  • Assess your creditworthiness and whether you can afford to take the product;
  • Verify the accuracy of the data you have provided to us;
  • Prevent criminal activity, fraud and money laundering;
  • Manage your account(s);
  • Trace and recover debts; and
  • Ensure any offers provided to you are appropriate to your circumstances.

We will continue to exchange information about you with CRAs while you have a relationship with us. We will also inform the CRAs about your settled accounts. If you borrow and do not repay in full and on time, CRAs will record the outstanding debt. This information may be supplied to other organisations by CRAs.

When CRAs receive a search from us they will place a search footprint on your credit file that may be seen by other lenders.

If you are making a joint application or tell us that you have a spouse or financial associate, we will link your records together, so you should make sure you discuss this with them, and share with them this information, before lodging the application. CRAs will also link your records together and these links will remain on your and their files until such time as you or your partner successfully files for a disassociation with the CRAs to break that link.

The identities of the CRAs, their role also as fraud prevention agencies, the data they hold, the ways in which they use and share personal information, data retention periods and your data protection rights with the CRAs are explained in more detail at each agencies CRAIN webpage. CRAIN is also accessible from each of the three CRAs – clicking on any of these three links will also take you to the same CRAIN document:

Callcredit http:/www.callcredit.co.uk/crain
Equifax http:/www.equifax.co.uk/crain
Experian http:/www.experian.co.uk/crain

LIMITATION OF LIABILITY

Please be aware that any decision made by users of our site on the basis of the information on them, is the sole responsibility of the user. Whilst we take reasonable efforts to ensure that our web Sites do not contain any viruses, trojans, or other malicious software, you should take your own precautions to ensure the integrity of your system and data. We do not give any warranty as to the availability of the web Site, and we reserve our right to take it down for any reason whatsoever in our absolute discretion.

We do not accept liability (as far as permitted by law) for any loss or damage (whether direct, indirect, or consequential) arising from any use of the web Sites or reliance on the information of links included in them.

Nothing in these terms and conditions shall limit or exclude our liability for fraudulent misrepresentation, for death or personal injury resulting from our negligence, or the negligence of our employees.

INDEMNITY

You agree to indemnify and hold us harmless from any liability, loss, claim and expense (including reasonable legal fees) related to any breach by you of these terms and conditions or arising from your use of our web Sites.

GOVERNING LAW

Use of the web Sites is subject to English law. All claims or disputes arising out of or in connection with the use of the site shall be subject to the jurisdiction of the courts of England. However, we reserve the right to bring proceedings in the courts of the country of your residence.