{"meta":{"totalCount":3,"page":1,"pageSize":50},"terms":[{"id":154,"name":"Initial Disclosure Document","status":"ACTIVE","client":{"id":137,"name":"Stephen Charles"},"type":"INITIAL_DISCLOSURE_DOCUMENT","slug":"initial-disclosure-document","showOnWebsite":true,"terms":"

What is an 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.

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Who regulates us?

We are authorised and regulated by the Financial Conduct Authority for credit brokerage. Our FCA number is [FCA number]. You can check this on the FCA's website www.fca.gov.uk/register or by contacting the FCA on 0300 500 8082.

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Treating customers fairly

Stephen Charles is committed to ensuring that the FCA principle of treating customers fairly (TCF) is applied in all areas of our day-to-day business activities. We aim to ensure that the TCF principle is embedded and rooted in everything that we do. This principle underpins how we operate and function as a business.

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Which service will we provide you with?

We offer a non-advised service, meaning we cannot give you advice or a recommendation on products. But in assessing your application we will ask you for information to enable us to identify your needs and present a selection of products relevant to your requirements. You will then need to make your own choice about how to proceed. You will receive the pre-contract credit information which will detail the Terms & Conditions of the product you have chosen and advise you about any other fees and interest relating to the product.

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What products do we offer?

We offer a limited number of finance products from a selected panel of lenders. Customers can view these products on our website https://www.stephencharles.co.uk or through talking with a member of staff in our showroom. We would advise you to consider your options and decide if they meet your requirements. Stephen Charles is a credit intermediary, not a financial advisory service nor a lender.

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What will you have to pay us for our services?

We do not charge a fee for the introduction to the finance provider.

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Commission Disclosure

We will typically receive a commission payment from the finance provider if you decide to enter into an agreement with them. The amount of commission can be made available to you upon request over the phone and/or in writing.

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Suitability and Affordability

We aim to support and tailor our service appropriately to those customers who may be particularly vulnerable due to their current circumstances or recent life events. If you have a disability, physical or mental health condition, feel vulnerable due to a change in personal circumstances, or just need extra support please let us know and we will do our best to help you. You should make sure you have sufficient time and support to assess the information given to you and ensure the funding option offered is suitable for you and meets your requirements. If you are unsure, please don't hesitate to ask us for further explanations, help and support.

It is important that you only enter into an agreement if you can comfortably afford the repayments. You should assess the monthly payments you are required to make throughout the term of the agreement and ensure you can meet these and other current obligations without suffering undue hardship. If you are aware of any changes in your life or your household circumstances that may affect your ability to maintain your loan repayments, please make us aware. Your credit rating could be adversely affected if you do not make payments when due which could make it harder or more expensive for you to access finance facilities in the future.

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What to do if you have a complaint

If you wish to make a complaint, the first step is for us to understand your complaint. You can contact us by:

Phone: 01473 396 700
Post: Stephen Charles, Old Station Yard, Bentley Hall Road, Ipswich, Suffolk, IP9 2JL
Email: sales@stephencharles.co.uk

Please provide your name and a contact number where we can reach you between the hours of 09:00–17:00 Monday to Friday.

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

"},{"id":153,"name":"Privacy Policy","status":"ACTIVE","client":{"id":137,"name":"Stephen Charles"},"type":"PRIVACY_POLICY","slug":"privacy-policy","showOnWebsite":true,"terms":"

Privacy Policy

This privacy policy explains how Stephen Charles (\"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.

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Who we are

Stephen Charles is the data controller responsible for your personal data. You can contact us at:

Address: Old Station Yard, Bentley Hall Road, Ipswich, Suffolk, IP9 2JL
Email: sales@stephencharles.co.uk
Telephone: 01473 396 700

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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.

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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.

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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.

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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.

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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.

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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.

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Contact us

If you have any questions about this privacy policy or how we handle your personal data, please contact us by email at sales@stephencharles.co.uk or by telephone on 01473 396 700.

Cookies and similar technologies

We and our third-party partners use cookies and similar technologies on this website. Cookies marked \"Essential\" below are required for the site to work and are set automatically; the rest are only set once you have given consent through the cookie banner, for the categories you agreed to.

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Category	Name	Purpose
Essential	This website (cookie consent)	Remembers the cookie choices you have made on this site, so we can honour them. This cookie is set whatever you choose, including if you reject everything, because without it we could not remember that choice. Stored for: 6 months
Analytics	This website (campaign attribution)	Records which advert, search or website brought you here, so we can see which of our campaigns are working when you send us an enquiry. Stored for: 6 months

You can change your cookie choices at any time using the \"Cookie settings\" link in the footer of this website.

"},{"id":152,"name":"Terms & Conditions","status":"ACTIVE","client":{"id":137,"name":"Stephen Charles"},"type":"TERMS_AND_CONDITIONS","slug":"terms-conditions","showOnWebsite":true,"terms":""}]}

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