Terms of Service

1. Regulation

1.1 – Reform Financial Limited (13084762) are an introducer of financial services specialising in business finance products. Reform Financial Limited does not administer or provide any advice or services as a funder or provider of credit. 

2. Terms of business

2.1 – This document gives all details of Reform Financial Limited and its terms of business. This document runs in line with the terms of website use (HERE).

2.2 – You are not required to sign or countersign or otherwise indicate agreement to these terms of business. However, you are deemed to agree with them, and to be bound by them, if you engage with Reform Financial Limited to act as a credit broker, and/or introducer to financial products.

3. Our services

3.1 – Reform Financial Limited are the UKs largest online introducer specialising in business finance services. Reform Financial Limited are an introducer only and not a lender.

3.2 – Reform Financial Limited offers a completely free of charge service which is confidential to use.

3.3 – Reform Financial Limited supports our clients in seeking to obtain the best business finance solutions to meet their specific requirements.

3.4 – Reform Financial Limited allocates its clients with a dedicated and knowledgeable agent who will work to find a suitable solution for their business.

3.5 – Services provided by Reform Financial Limited can include:

  • 3.5.1 – An assessment of your specific business requirements.
  • 3.5.2 – A recommended introduction to the best suited lender for your specific business requirements.
  • 3.5.3 – Continued support and assistance throughout the process of finding a specific solution for your business.
  • 3.5.4 – Support and guidance with regards to the pros and cons of each specific funding facility
  • 3.5.5 – Continued aftercare service upon becoming a live client

3.6 – Please do note the following:

  • 3.6.1 – Reform Financial Limited does not provide financial or legal advice. If you are presented with documentation from one of our partners after being introduced, it is your responsibility to seek legal advice from an appropriately experienced solicitor.
  • 3.6.2 – Reform Financial Limited are not responsible for advising you on the solvency of your business.
  • 3.6.3 – Reform Financial Limited does not provide taxation, fiscal, or investment advice.
  • 3.6.4 – Based on the information you provide Reform Financial Limited, we will introduce you to the most relevant and appropriate lenders. This does not amount to advice by Reform Financial Limited.
  • 3.6.5 – If you decide to proceed with one of our recommended partners then the decision is ultimately yours.

4. Treating you fairly

4.1 – Reform Financial Limited prides itself on treating all clients and potential clients fairly. Reform Financial Limited will always endeavor to:

  • 4.1.1 – Conduct all of our business with due skill, expertise, care, and integrity.
  • 4.1.2 – Never be in a position where our primary duty to our clients is compromised.
  • 4.1.3 – Deal with any complaint sympathetically and independently of the colleague concerning whom the complaint is directed.
  • 4.1.4 – Be transparent in the matter of our remuneration.
  • 4.1.5 – Respect your confidentiality

5. Our remuneration

5.1 – Reform Financial Limited does not look to you to pay for using our services.

5.2 – Reform Financial Limited receives either commission, or referral rates, or marketing services payment from our partners. Which one depends entirely upon the partner, and service provided.

5.3 – Reform Financial Limited expects its partners to disclose all information about our remuneration upon request. 

5.4 – Please note that if you return to one or more of our partners in order to negotiate another facility or service in the future, Reform Financial Limited may be entitled to a further payment in relation to that facility, and this will depend entirely upon our agreement with the partner in question.

6. Conflict of interest

6.1 – Reform Financial Limited considers that it is extremely unlikely that our relationship with you is going to give rise to a conflict of interest.

6.2 – Reform Financial Limited, or one of our directors or consultants could have an interest in one of our partners.

6.3 – Circumstances, albeit extremely unlikely, could arise where our duties to you conflict with our duties to another client of Reform Financial Limited. If this happens, we will make all parties aware immediately and obtain your consent before your instructions are carried out.

7. Complaints

7.1 – Your positive experience with us is of the utmost importance, so if there is any part of our service that you are not completely happy with then please let us know immediately so we can remedy it swiftly to maintain our exceptional level of service.

7.2 – To log a complaint please email: complaints@reform-financial.co.uk

7.3 – We take all complaints extremely seriously. With this in mind we will aim to deal with your complaint immediately. If your complaint is complex and cannot be dealt with right away we will contact you within 3 working days with an progress update.

7.4 – In the extremely rare occurrence that we are unable to reach an amicable resolution within eight weeks, we will send you an email explaining our reasons for the delay and an indication of when to expect a final decision, followed by our final decision letter.

8. Limitation of our liability to you

8.1 – Reform Financial Limited, under these terms of business, work to assist you to find a company willing to either lend money to your business. With this in mind, Reform Financial Limited are in no way responsible for the manner in which you use and loans advanced, or financial facilities, or advice from any of our partners.

8.2 – Reform Financial Limited has no liability for any consequences of any financial transactions your business chooses to undertake.

8.3 – Any discussion or dealings that you may have with any of our partners is outside the scope of these terms of business, and any consequences for you or your business of any such discussions or dealings are not any responsibility of Reform Financial Limited.

8.4 – Reform Financial Limited takes pride in presenting you with partners that have met our strict vetting process. We try to ensure that our partners are honest, responsible, and (where necessary) appropriately regulated.

8.5 – Reform Financial Limited does not take any responsibility to you for any loss you may sustain or any costs or expenses incurred due to a failure or demerit that could not have been detected by our strict due diligence procedures.

8.6 – Nothing within these terms of business excludes or limits our responsibility to you for fraud, or death or personal injury as a result of our negligence, or anything that the rules of the FCA prohibits us from excluding or limiting.

9. Your responsibilities

9.1 – You are expected to read any documentation we give you, and let us know immediately if there is anything that is unclear or does not represent your requirements.

9.2 – Reform Financial Limited is not responsible for to you if as a result of deficient information or lack of information from you, we make arrangements that are not wholly appropriate for your business.

9.3 – Should Reform Financial Limited incur material cost or expense or sustain material loss as a result of your failure to comply with any clause within these terms of business, we are entitled to an indemnity from you to the extent of such cost, expense or loss.

10. Data protection and confidentiality

10.1 – Reform Financial Limited are registered under the Data Protection Act 2018 and abide by the requirements of the Act, the General Data Protection Regulation and any relevant regulations made thereunder.

10.2 – All information held by Reform Financial Limited is in strict confidence and is used exclusively in order to provide quotations and arrange business and financial services.

10.3 – Reform Financial Limited will never supply your confidential information to any person other than a potential partner without your prior consent, unless we are required to do so by law or in compliance with the rules of the FCA.

10.4 – You have the right to require us to cease to use the information that you have provided us. If this makes it practically impossible to provide our services under these terms of business, we will notify you of this immediately and bring this relationship to an end.

10.5 – All Reform Financial Limited customer records are treated as private and confidential and we therefore reserve the right to give you copies of your particular records rather than allow access to files containing records concerning other clients.

11. Other miscellaneous matters

11.1 – These terms of business will apply to both Reform Financial Limited, and either you, yourself (if a sole trader), or your company or partnership (if a company or partnership, or applying to use our services on behalf of one).

11.2 – Accordingly only you and we (Reform Financial Limited) are parties to these Terms of Business and for the purposes of the Contracts (Rights of Third Parties) Act 1999, no other person has a right to enforce any provision of these Terms of Business.

11.3 – Either party may terminate this relationship under these terms of business on written notice to the other with immediate effect.

11.4 – These terms of business are subject to English law and the English courts have exclusive jurisdiction relating to any matters arising from them

Reform Financial - Finance, Restructuring, Insolvency

Reform Financial help thousands of companies and individuals to find the right financial support. The main benefit of speaking with us is that we do not offer advice, but instead we can give you a comprehensive understanding of all of our services, and guide you through the process should you decide that one of our solutions is for you. If you need more information please feel free to visit our Complaints Policy and Privacy Policy.

Reform Financial Limited is registered in England and Wales under company number 13084762.  Reform Financial Limited does not administer or provide advice relating to any business finance products. Reform Financial Limited can introduce applicants to a number of finance providers based on the applicants circumstances. Reform Financial Limited do not charge for this service but may receive a commission from lenders or other brokers for such introductions.

This website is owned and operated by Reform Financial Ltd – company number 13084762. Registered address – 124 City Road, London, England, EC1V 2NX. Licensed under the Information Commissioners Office (ICO) for data Handling; DPA No ZA840802.