Terms and Conditions

Chrysalis Finance Limited (“Chrysalis Finance”) is registered in England, company number 6541664. Its registered office is at 1 Worsley Court, High Street, Worsley, M28 3NJ and its postal address is PO Box 404, Alderley Edge, Cheshire SK9 0EA. It is authorised and regulated by the Financial Conduct Authority under Firm Reference Number 631193 and it is registered with the Information Commissioner’s Office under reference ZA007247.

For the purpose of these Terms and Conditions, ‘us’, ‘we’ and ‘our’ refer to Chrysalis Finance and all of its associated trading division names and product brands.

 

Each time you access this website, which is owned and managed by Chrysalis Finance, you are agreeing to be bound by these Terms and Conditions, and you are deemed to have read, understood and accepted them.

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 or its trading divisions, and consumers, whether or not they are existing customers of Chrysalis Finance or its trading divisions.

The website 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 you to our other product specific websites, some of which will allow you to submit online applications for our services or products. These Terms and Conditions apply to all of those other websites 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 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 or partially completed, posting reviews, creating messages and other material or when you have contacted 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 replace or amend any part of the website or to replace or modify these terms and any linked policies at any time without notice. Your continued use of the Website after any such replacement or modification constitutes your 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 by or are licensed to Chrysalis Finance 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 website 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 website is intended to constitute advice and the content of this website should not be relied upon when making any decisions or taking any action of any kind.

Neither Chrysalis Finance nor any its trading divisions enter into any contract or obligations on the basis of the contents of this website alone.

All quotations on the website are for information purposes only and do not constitute an offer of finance. Credit acceptance is subject to status and is not final until a credit agreement has been signed following a credit check and provision of required proofs.

No part of this website or any related website operated by Chrysalis Finance is intended to constitute a contractual offer capable of acceptance. No goods and/or services are sold through this website 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 applications 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 or any lender to whom we have forwarded your application (the Lender) will carry out credit and identity checks when you apply for a credit product. We or the Lender may use Credit Reference Agencies (CRAs) to help us with this. If you use our services, from time to time we or the Lender may also search for information that the CRAs have to help us or them manage your account. The personal information we or the Lender send to CRAs may 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 bank 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.

CRAs will give us or the Lender information about you and your financial situation and financial history. CRAs will supply us or the Lender with both public (including the electoral register) and shared credit, financial situation and financial history information and fraud prevention information.

We or the Lender 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 or the Lender will continue to exchange information about you with CRAs while you have a relationship with us or them and 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 or a Lender 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 this information with them, 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 agency’s 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

Any decision made by users of our websites on the basis of the information on them is the sole responsibility of the user.

Whilst we take reasonable efforts to ensure that our websites 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 website, 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 in law, for any loss or damage, whether direct, indirect, or consequential, arising from any use of the websites or reliance on the information or links included in them.

Nothing in these terms and conditions shall limit or exclude our liability for fraudulent misrepresentation, 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 websites.

Governing law

Use of the websites is subject to English law. All claims or disputes arising out of or in connection with the use of the website 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.