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Terms of Business and Disclosure Document

  1. Who are we and who authorises us?

Just Protect Ltd are a finance and GAP insurance broker based in the North West of the UK. We are committed to providing an efficient service to help you gain the products you need in an honest, transparent manner.

We want to make you aware that in order to assist you, we are authorised and regulated by the Financial Conduct Authority (‘FCA’) under firm reference number 792773. Just Protect, Just Auto Loans, The Car Dealers and Just Fund Me are trading styles of Just Protect Ltd, we act as a broker, not a lender.

You can check our information on the FCA Register here - https://register.fca.org.uk/s/

Registered Number and Address: Pelican House, 119c Eastbank Street, Southport PR8 1DQ (10764142)

  1. How to contact us?

You can contact us on the below information –

Telephone: 01704 627282

Email: info@justautoloans.co.uk

Post: Suite 3 Ground Floor, Windgate House, 5 Tarleton Office Park, Tarleton PR4 6JF

 

  1. Finance Options and Credit Searches

In order to try to obtain you a finance acceptance, we will pass you details to the lenders with whom we work with. In order to ensure we treat our customers fairly, we do not send you to all of our panel, but rather send you to those who accept your current circumstance. We do need to make you aware that whilst finance cannot be guaranteed, our team will try their best to obtain you an acceptance.

Our lenders will check your information with credit reference and fraud prevention agencies to fully assess your application. The majority of our lenders complete a soft search, however, please note that if approved and in order to proceed they may complete a full search, which will show on your profile. If you do not consent to the above searches being carried out, please do not submit your application. Our team will not process any application without your explicit consent.

Our lending panel can offer a range of finance products such as Hire Purchase, Conditional Sale, Personal Loans and Personal Contract Purchase. Our team will go over all aspects of your agreement to allow you to make an informed decision. Please note we will never advise you or recommend.

  1. Fees and Commissions

By passing your details to our finance and insurance partners, we may receive a commission from them for the introduction. This will not affect the rate you are offered; all commissions are fixed.

We do not charge any fees for the service we provide.

  1. Affordability

It is extremely important that you look into finance options that are suitable for your current (and potential future) financial situation. Our team will go over all your details to ensure we have the correct information to pass onto our lenders, who will then try to verify the information. However, please note that evidence of your income may be requested.

If you are aware or suspect that your financial position will change in the future, you must inform us.

Your credit rating could be adversely affected if you do not make payments when due.

  1. GAP Insurance and Aftersales Products  

With your permission and consent, we may pass your details to third parties for the purpose of obtaining GAP insurance. GAP insurance is a product that could assist you in the future and our partners will provide you with a key information document and be on hand to answer any questions to see if this product is suitable for you. Please note we do receive a commission should you decide to proceed with this product.

If you have any questions regarding this product, please do contact us on the above information.

  1. Your Information

We value the fact you trust us with your data; therefore, we work extremely hard to ensure its protected. For full details on how we protect your information, why we ask for certain information and along with many other details, you can consult our privacy policy here –

www.justautoloans.co.uk/privacy-policy

  1. Complaints

We work hard to provide you with the best service we can, however we do understand that at some points you may not be happy with the service or product you have received. Our team work hard to ensure that we keep our customers happy and are on hand to assist with you with any problems you may have faced. Our full complaints procedure can be found here - www.justautoloans.co.uk/complaints however please feel free to contact us on the information listed above.