{"meta":{"totalCount":3,"page":1,"pageSize":50},"terms":[{"id":59,"name":"Initial Disclosure Document","status":"ACTIVE","client":{"id":1292,"name":"Muirhead Motor Company"},"type":"INITIAL_DISCLOSURE_DOCUMENT","slug":"initial-disclosure-document","showOnWebsite":true,"terms":"

Initial Disclosure Document

The Financial Conduct Authority (FCA) is the independent regulator of financial services. The FCA require us to provide you with a document called an ‘Initial Disclosure Document’. This document provides information about us, the products we offer, the services we will provide, what we charge for our services, who regulates us and what to do if you have a complaint.

Who regulates us? - The Financial Conduct Authority (FCA)

Quorum Fleet Solutions Limited T/A Q-Finance is authorised and regulated by the Financial Conduct Authority. Our firm reference number is 736148. We are permitted by the FCA to conduct regulated activities consisting of Consumer Hire, Consumer Credit, Credit Broking, Debt Administration, Debt Counselling and Debt Adjusting. You can check this in the Financial Conduct Authority’s Register by vising the FCA website https://www.fca.org.uk/consumers/fca-firm-checker/search or by contacting the FCA on 0300 500 8082.

Quorum Fleet Solutions T/A Q-Finance – Vehicle Finance

We provide motor vehicle finance brokerage services to customers and can offer you products from a range of financiers, who may be able help you finance your vehicle. Our panel of financiers provide a range of products, and you can see the key feature available by visiting our website www.q-finance.co.uk Quorum Fleet Solutions Limited T/A Q-Finance is a broker for vehicle credit, not a funder.

What service will be provided?

Whilst exploring your options, we will only make a recommendation: that is suitable for your needs and circumstances at the time the recommendation is made, based on the information provided to us. We will provide general information relating to finance products or comparable details most suited to your lending or purchase requirements. We do not charge any fees for our services. We receive a commission from the lender if you enter this agreement which is shared with the supplier (as detailed below).

Total commission received from lender:

Of which the supplier will receive:

This is either a percentage of the loan agreement or a flat fee. We will seek information about your personal circumstances and relevant objectives to identify your requirements. It is important that all the information you provide is accurate.

Complaints

To request a complaint form or to submit a complaint please send direct to our complaints officer:

Email: George@q-finance.co.uk Sales@q-finance.co.uk

Post: Suite 2, Alexander House, St. John’s Road, Meadowfield Industrial Estate, Durham, DH7 8XL

We will promptly acknowledge your complaint in writing, investigate your complaint and endeavour to send you a final response within 8 weeks of receipt of the complaint. If we are unable to provide you with a final response within this time, we will send you an update. If you are not happy with our response, and you are an eligible complainant, you can escalate your complaint to the Financial Ombudsman, you must do so within six months of the date of the final response letter. You can contact them:

· By phone: 0800 023 4567

· By post: The Financial Ombudsman Service, Exchange Tower, London, E14 9SR

· By Email: complaint.info@financial-ombudsman.org.uk

· Online: https://help.financial-ombudsman.org.uk/help

Treating Customers Fairly

Our TCF Policy is available via our website. Please visit: www.q-finance.co.uk

Q-Finance Commitment

At Q-finance we want to ensure we are being fair, transparent, and not misleading. We work with a limited panel of carefully selected lenders. Based on the information you have provided to us regarding your purchase circumstances, we have presented the best lending opportunity available to you from this panel.

While we strive to offer the most suitable options, please note that there may also be other lending products in the wider market. Please confirm by signing below that you are happy and understand the finance offer presented to you, it meets your requirements, and you understand your obligations in relation to the agreement

I have read, understand, and accept the terms and conditions contained here in

"},{"id":705,"name":"Privacy Policy","status":"ACTIVE","client":{"id":1292,"name":"Muirhead Motor Company"},"type":"PRIVACY_POLICY","slug":"privacy-policy","showOnWebsite":true,"terms":"

Privacy Policy

This privacy policy explains how Muirhead Motor Company (\"we\", \"us\", \"our\") collects, uses and protects the personal information you provide to us. We are committed to protecting your privacy and handling your data in line with the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018.

\n\n

Who we are

Muirhead Motor Company is the data controller responsible for your personal data. You can contact us at:

Address: Muirhead Filling Station, Markinch, Glenrothes, Fife, KY7 6LR
Email: muirheadmotorcompany@gmail.com
Telephone: 07828 705027

\n\n

What information we collect

We may collect and process the following information about you:

Your name and contact details (such as address, email address and telephone number).
Information you provide when enquiring about, purchasing or financing a vehicle.
Vehicle and part-exchange details relevant to your enquiry.
Details of your visits to our website and the resources you access.

\n\n

How we use your information

We use your personal information to:

Respond to your enquiries and provide the products and services you request.
Process vehicle sales, finance applications and related paperwork.
Meet our legal and regulatory obligations.
Contact you about your enquiry or, where you have agreed, with relevant offers and updates.

\n\n

Lawful basis for processing

We process your data where it is necessary to perform a contract with you, to comply with a legal obligation, for our legitimate business interests, or where you have given your consent.

\n\n

Sharing your information

We do not sell your personal information. We may share it with finance providers, lenders and other partners where necessary to provide the services you have requested, and with regulators or authorities where required by law.

\n\n

How long we keep your information

We keep your personal information only for as long as necessary to fulfil the purposes we collected it for, including to satisfy any legal, accounting or reporting requirements.

\n\n

Your rights

Under data protection law you have rights including the right to access, correct, erase, restrict or object to the processing of your personal data, and the right to data portability. To exercise any of these rights, please contact us using the details above.

You also have the right to complain to the Information Commissioner's Office (ICO) at www.ico.org.uk if you are unhappy with how we have handled your personal data.

\n\n

Contact us

If you have any questions about this privacy policy or how we handle your personal data, please contact us by email at muirheadmotorcompany@gmail.com or by telephone on 07828 705027.

"},{"id":704,"name":"Terms & Conditions","status":"ACTIVE","client":{"id":1292,"name":"Muirhead Motor Company"},"type":"TERMS_AND_CONDITIONS","slug":"terms-conditions","showOnWebsite":true,"terms":""}]}

Finance Application

About you