top of page

Our Terms of Business

These terms are in place to safeguard both parties and clarify our role in connecting your business with the right funding providers. We recommend reviewing them thoroughly and contacting us if you have any questions before moving forward.

1. TERMS OF BUSINESS
These terms govern the relationship between 12s Finance ("we", "us", "our") and the company or business entity engaging with our services ("Customer", "you"). By using our services, you confirm that you accept these terms and agree to comply with them.

2. LEGAL & REGULATORY
12s Finance is an independent invoice finance broker. We are not a lender and are not regulated by the Financial Conduct Authority (FCA). Any funding agreement is solely between the Customer and the lender, who may be FCA-regulated.

By engaging our services, you confirm that:
 

  • You are acting in a business capacity only.

  • Any finance obtained through 12s Finance will be used exclusively for business purposes.

  • You are not seeking personal or consumer finance.


3. OUR SERVICES
12s Finance provides invoice finance brokerage services, including:
 

  • Identifying and introducing Customers to suitable lenders.

  • Providing general information about invoice finance.

  • Assisting with the submission of finance applications.
     

We do not:

  • Provide financial, legal, or tax advice.

  • Offer or arrange consumer credit.

  • Influence lenders' decisions or guarantee funding.

  • Recommend or endorse specific lenders or finance products.
     

4. CUSTOMER RESPONSIBILITIES
To use our services, you agree to:
 

  • Provide accurate, honest, and complete business information.

  • Inform us of any changes that may affect your funding application.

  • Conduct your own due diligence before accepting any finance offer.

  • Make an independent decision on whether to proceed with a lender.
     

12s Finance is not responsible for any losses incurred from finance agreements entered into.

5. FEES & COMMISSIONS
12s Finance may receive a commission from lenders for introducing Customers. The amount varies by lender and product.​ Customers can request details of commissions or fees at any time.
 
6. USE OF CUSTOMER INFORMATION
12s Finance will only use your business information for:
 

  • Assessing your suitability for invoice finance.

  • Introducing you to potential lenders.

  • Complying with legal and regulatory obligations.
     

We will never sell or share your data with third parties for marketing purposes.

7. DATA PROTECTION & CONFIDENTIALITY
12s Finance complies with the UK Data Protection Act 2018 and GDPR.
 

  • We store and process your information securely.

  • Information will be retained for six years as required by law.

  • You have the right to request access to your data or ask for it to be deleted.
     

For further details, see our Privacy Policy.

8. LENDER TERMS & CUSTOMER DUE DILIGENCE
 

  • Each lender has its own eligibility criteria, terms, and conditions.

  • 12s Finance does not guarantee approval or the best possible finance terms.

  • It is the Customer's responsibility to carefully review the terms of any finance agreement before proceeding.

  • 12s Finance is not liable for any financial losses, fees, or penalties associated with a lender's terms.
     

9. LIABILITY LIMITATION
12s Finance is not responsible for:
 

  • Any losses arising from finance agreements entered into with lenders.

  • The accuracy of information provided by lenders.

  • Decisions made by lenders regarding finance applications.

  • Any indirect, consequential, or financial loss suffered by the Customer.
     

Our total liability (if any) is limited to the amount of commission received from the lender in relation to your application.

10. TERMINATION OF SERVICES
 

  • You may stop using our services at any time with no obligation.

  • 12s Finance may withdraw its services if you provide false, misleading, or incomplete information.
     

11. FORCE MAJEURE
12s Finance is not liable for delays or failures caused by circumstances beyond our control, including but not limited to:
 

  • System outages or technical failures.

  • Lender delays in processing applications.

  • Changes in laws or regulations.


12. COMPLAINTS PROCEDURE
If you have a complaint, please email us at hello@12sfinance.co.uk. If we cannot resolve your complaint to your satisfaction, you may refer it to the Financial Ombudsman Service (FOS) by emailing them at complaint.info@financial-ombudsman.org.uk.

13. VARIATION OF TERMS
12s Finance reserves the right to update these Terms & Conditions at any time. Any changes will be published on our website and will take effect immediately.

14. GOVERNING LAW & JURISDICTION
These Terms & Conditions are governed by English law, and any disputes will be subject to the exclusive jurisdiction of the courts of England and Wales.

We are committed to providing a professional and transparent service, ensuring you have access to the best invoice finance solutions for your business. If you have any questions or require further clarification, please don’t hesitate to contact us.

​

These terms are designed to protect both parties and ensure a clear understanding of our role in connecting businesses with suitable funding providers. We encourage you to review them carefully and reach out with any queries before proceeding.

bottom of page