Terms and Conditions

1.Acceptance of Terms

1.1 The website www.volocarfinance.co.uk (“the Site”) is a site ("We, Us, Volocarfinance"). acting as a credit broker, not a lender, fully authorised and regulated by the Financial Conduct Authority FRN: 752664. Company is registered in The United Kingdom under company number 752664 and our registered office address is Arquen House, 4-6 Spicer Street, St. Albans, AL3 4PQ, UK.

We work as broker and all the applications are sent to 3rd party lenders for processing via creditplus.co.uk.

1.2 We are governed by UK and EU laws.

1.3 Please make sure you have read these Terms & Conditions carefully, they protect you as a user of the Site and prevent the Site from being used for any illegal or unauthorised purposes. They also outline the parameters on which you are permitted to use the Site and by accessing and continuing to use this Site you agree to be bound by and act in accordance with these Terms & Conditions.

1.4 Your privacy is very important to us and we process all information about you in accordance with our Privacy Policy and Cookies Policy. By using the Site you confirm that you have read and agreed to our Privacy Policy and Cookies Policy.

1.5 We may amend these Terms & Conditions at any time without prior notice. You are expected to check these Terms & Conditions from time to time and your continued use of the Site will mean that you accept any amendments to the Terms & Conditions.

1.6 All rights, including copyright and database rights of the Volo Car Finance website and its contents are owned by Volo Car Finance or otherwise used by Volo Car Finance as permitted by applicable law.

1.7 To apply you must be at least 18 years old and a UK resident (excluding the Channel Islands and the Isle of Man). Car finance is also subject to personal circumstance.

2.Website

2.1 The Site is a medium for providing information and access to products and services of third parties related to cars including new and used car loans.

2.2 We do our utmost to ensure that the information on the Site is accurate, reliable and helpful. However, the information is general in nature, and is intended as a guide only to the types of products and services offered by Volo Car Finance. Users are advised to consult with Volo Car Finance and to check any product or service information for specific information.

2.3 Any loan or other product or service which you obtain via the Site will be subject to the terms and conditions of the relevant product provider. Before proceeding with any loan or other product or service with the product provider, you should read its terms and conditions carefully and, where appropriate, take independent advice.

2.4 The Site and the information supplied for use with it have been obtained from sources believed to be reliable and accurate at the date of publication. Volo Car Finance makes no representation or warranty, express or implied, as to its accuracy or completeness. No independent verification has been undertaken in respect of the information supplied.

3.Your use of the website

3.1 By accessing Volo Car Finance web pages, you agree that you will access the contents solely for your own private use and not for any commercial or public use. Except as permitted within, you undertake not to copy, store in any medium (including in any other website), distribute, transmit, re-transmit, broadcast, modify, or show in public any part of Volo Car Finance web site save for the purposes as laid out in these terms and conditions without the prior written permission of Volo Car Finance or in accordance with the Copyright, Designs and Patents Act 1988.

3.2 You must not under any circumstances attempt to gain unauthorised access to our site, the server on which our site is stored or any server, computer or database connected to our site. You must not seek to undermine the security of the site in any way. In particular, but without limitation, you must not attempt to alter or delete any information that you are not authorised to access , attack our site via a denial-of-service attack or a distributed denial-of service attack. By doing so you would commit a criminal offence under the Computer Misuse Act 1990.

4.Disclaimer/Liability

4.1 Neither the Site nor the information derived from it constitutes an offer by Volo Car Finance. Prices contained within the site and/or Quotations subsequently obtained are subject to confirmation by Volo Car Finance. We have the right to decline any proposal. No contract will be binding on Volo Car Finance unless it is in writing and signed by a duly authorised representative of Volo Car Finance.

4.2 Any photographs and colours used in the site are for illustrative purposes only and do not form part of any contract.

4.3 Accordingly, neither Volo Car Finance nor its directors, representatives or employees, accept any liability whatsoever for any direct, indirect or consequential loss howsoever arising from the use of this Site and the information supplied in connection therewith.

4.4 By using the Site the User further agrees to indemnify and hold Volo Car Finance harmless from any and all claims, expenses and liability of any kind arising out of or in connection with any use of the Site.

4.5 The Site contains links to other websites. When you activate any of these links, you will leave the Site and we accept no responsibility for the availability or content of any linked websites or for any loss or damage that may arise from your use of them. The links are provided for your convenience and any such link does not imply endorsement by us of a website or any association with the operators of a website.

4.6 In assessing your car loan application, creditplus will make enquiries about you including searching your records held by Equifax Plc and/or Experian Ltd. You consent to us disclosing details of your finance application and we may use a 'credit scoring' or other automated process in deciding whether to accept your application. Your information may also be sent to a third party for further loan/insurance option purposes. Loan offers will be valid for 30 days.

7. Data Protection

7.1 If you make an application, your details will be held on computer and used in a credit scoring or other automated decision-making process when assessing your application. An enquiry will be made with Credit Reference Agencies, who will record it so that it can be viewed by other Agency users. Your information will also be checked with fraud prevention agencies and if fraud is suspected Volo Car Finance ("we" or "us") will record this and those details will be shared with other subscribing organisations. For the purposes of this application you may be treated as financially linked and your application will be assessed with reference to any "associated" records. If you are a joint applicant or if you have told us of some other financial association with another person, you must be sure that you are entitled to:

  • Disclose information about your joint applicant and anyone referred to by you
  • Authorise Volo Car Finance to search, link or record information at credit reference agencies about you and anyone referred to by you

7.2 You authorise us to make all enquiries necessary to verify this information to enable us to consider this application. By agreeing to the terms and conditions when making your application, you are giving your consent for your information to be used by Volo Car Finance for administrative, underwriting, marketing and revenue purposes. This may include partners or related 3rd parties. If you do not want your details to be used for marketing please write to Volo Car Finance, Arquen House, 4-6 Spicer Street, St. Albans, AL3 4PQ. Under the terms of the act you have the right to obtain a copy of the information held about you upon payment of the appropriate fee.

8. Additional Fees

8.1 At the request of the customer, Volo Car Finance will disclose to the customer, in good time before a regulated credit agreement or a regulated consumer hire agreement is entered into, the amount (or if the precise amount is not known, the likely amount) of any commission or fee or other remuneration payable to Volo Car Finance by the lender or owner or a third party.

8.2 All contracts supplied by Volo Car Finance will be in English.

9. Information about our financial services

9.1 Volo Car Finance is a credit broker, strictly governed by its relationships with credit brokers, lenders and dealers, and cannot be held responsible for any change to vehicle specification or finance rates or any other variable outside of its control so imposed by those companies.

9.2 If you have a complaint then we have full details of the complaints procedure available on request.

9.3 If 8 weeks has passed since making your complaint and you are still not happy then you may contact the Financial Ombudsman Service (FOS). Details on FOS and how to contact them can be found here.

9.4 Quotes generated are powered by https://www.creditplus.co.uk. All the quotes are based on prime interest rates, and are subject to change. In addition the quotes do not take into account any customer information or circumstances which can affect an individual’s chance of getting finance for a vehicle. The figures provided by this form are quotes and do not represent an acceptance for a loan of any kind. As the quotes are subject to a user’s personal circumstances and lender requirements, full confirmation on the price to be paid (including all related lender fees) will be detailed in the lenders customer documentation pack.

10. Cancellation Policy

10.1. To cancel the agreement, customer has to contact the lender \ broker directly.

If you require further assistance, contact Customer Advisors at Credit Plus for help. They are open six days a week - you can view opening hours here - and more than happy to answer your questions.

Please call 0333 6000 290

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