Business Starts – How we conduct business

Terms and Conditions & Complaints Handling Policy

The following information informs you about our business, the services we provide to Clients, how we conduct business including charges for the services we provide and commissions we may receive. It also sets out policy over the general usage of this web site and our copyright protection.

ABOUT

Trading Name: Business Starts

Legal Name: Andrew Wattsford and Helena Wattsford trading as Business Starts Herein referred to as ‘The Company’

Registered Address: Evolution Business Centre, County Business Park, Darlington Road, Northallerton, North Yorkshire, DL6 2NQ

Main Office Address for Postal Communication: Evolution House, County Business Park, Darlington Road, Northallerton, North Yorkshire, DL6 2NQ

E-Mail Address for Communication: enquiries@businessstarts.co.uk

Telephone Contact Numbers: 0333 3130024

Data Protection Registration

The Company is registered with the Information Commissioners Office for Data Protection Purposes. Register Number: ZA296485

More information can be obtained from the Information Commissioners Office web site: https://www.ico.org.uk

HOW WE CONDUCT BUSINESS

The Company operates in the market as a Business Advisor to Delivery Partners of the Start Up Loans scheme operated by the British Business Bank. The Company operates as an Introducer to Tax Reclaims which is a marketing brand of Andrew Wattsford and Helena Wattsford and to Finance for Agriculture and Wattsford Commercial Finance which are marketing brands of Andrew Wattsford.

OUR DUTY OF CARE AND POLICY ON TREATING CUSTOMERS FAIRLY

In dealing with Clients our duty of care dictates that it all cases the recommendation we make will be based on the best and most appropriate solution for the client given the information provided to the Company.

In providing our services and support to a client we will normally request ‘Fact Finding’ information pertaining to the overall financial means of the Client, Asset and Liability position, credit status and general personal / company profile.

All information provided by Clients to the Company in this regard is treated as confidential and will be handled in accordance with the Data Protection Act as set out by the Information Commissioners Office under which the Company is registered as detailed above.

More details on data protection can be obtained from the Information Commissioners Office (ICO) via the web site: https://www.ico.org.uk

DEBT SERVICEABILITY / VULNERABLE CLIENTS POLICY / CLIENT RISKS

Our duty of care and regulatory obligations dictate that in all Client engagements we should take all possible steps to ensure that the following conditions are met:

1)-  Any product or service we are recommending to a Client can be demonstrated to be adequately affordable to the client without the risk of financial hardship occurring either at the time of engagement or if circumstances change during the term of the loan, lease or mortgage. This is referred to as ‘ Debt Serviceability Criteria’ and if, in the view of the Company, the requested borrowing requirements cannot be adequately afforded this advice will be provided to the Client.

2)- That we take all possible steps to identify any ‘Vulnerable Clients’ who, and for whatever reason, may not be in a position to fully understand the terms and conditions of any financial service being requested. In such cases the Company will provide appropriate advice to the Client.

3)- That we advise all Clients of the associated risks and possible consequences should they not be able to make the regular scheduled payments during the agreed term for any loan, lease or mortgage etc. taken out.

CREDIT PROFILE SEARCHES

In providing our services it may be necessary for a recommended Lender to complete a formal credit search on a Client or the Clients business and if this is required the Company will always seek the prior approval of the Client before such a search is carried out.

In completing any of the Personal Financial Profile or Business Financial Profile or general fact finding documents that we may provide to you in the course of providing our services, it is considered implicit that you agree to such credit searches being carried out.

SERVICES PROVIDED TO THE CLIENT AT NO CHARGE AND WITHOUT OBLIGATIOn

There are no fees associated with the support provided for a Start Up Loan through the British Business Bank for clients successfully registered to the Company.

COMMISSIONS RECEIVED AND CHARGES FOR OUR SERVICES

The company will receive commissions paid by the Delivery Partners of the Start Up Loans on successful applications that are drawn down by the Client and may receive fees from the Company’s Business Support Partners.

If a commission payment is to be received this will be fully disclosed to the Client.

OUR COMPLAINTS HANDLING POLICY

The Company works hard to provide a consistently high level of service to all Clients. Should any Client have a grievance or complaint to make to The Company or the services provided this should be sent by recorded delivery post marked for the attention of the Managing Partner at the Company Main Office address as shown above.

In registering a complaint with the Company please include as much detail as possible regarding the specific nature of the grievance you have including the names of any staff members of the Company that you have been dealing with.

All complaints registered with the Company will be acknowledged within five business days and all matters relating to the complaint will be handled either in person by the Managing Director of the Company or by a nominated senior member of staff.

Every effort will be made to resolve the complaint or grievance as quickly as possible and to the full satisfaction of the Client.

USE OF THIS WEBSITE

Please review the following terms and conditions concerning your use of the Web Site. By accessing, using or downloading any materials from the Web Site, you agree to follow and be bound by these terms and conditions (the “Terms”). If you do not agree with these Terms, please do not use this Web Site.

GENERAL WEB SITE USAGE PROVISIONS

All materials provided on this Web Site, including but not limited to information, documents, products, logos, graphics, sounds, images, software, and services (“Materials”), are provided either by The Company or by their respective third party manufacturers, authors, developers and vendors (“Third Party Providers”) and are the copyrighted work of The Company and/or its Third Party Providers.

Except as stated herein, none of the Materials may be copied, reproduced, distributed, republished, downloaded, displayed, posted or transmitted in any form or by any means, including but not limited to electronic, mechanical, photocopying, recording, or other means, without the prior express written permission of The Company or the Third Party Provider. Also, you may not “mirror” any Materials contained on this Web Site on any other server without prior express written permission. Except where expressly provided otherwise by The Company nothing on this Web Site shall be construed to confer any license under any of The Company or any Third Party Provider’s intellectual property rights, whether by implication, or otherwise you acknowledge sole responsibility for obtaining any such licenses.

See the “Legal Contact Information” below if you have any questions about obtaining such licenses. Materials provided by Third Party Providers have not necessarily been independently reviewed, tested, certified, or authenticated in whole or in part. The Company does not promote, recommend, provide, sell, license, or lease any of the Materials other than those specifically identified as being provided by The Company. The Company hereby grants you permission to display, copy, distribute and download The Company materials on this Web Site provided that: (1) both the copyright notice identified below and this permission notice appear in the Materials; (2) the use of such Materials is solely for informational use and will not be copied or posted on any networked computer, broadcast in any media, or used for unofficial dissemination; and (3) the Materials are not modified in any way.

This permission terminates automatically without notice if you breach any of these terms or conditions. Upon termination, you will immediately destroy any downloaded or printed Materials. Any unauthorized use of any Materials contained on this Web Site may violate copyright laws, trademark laws, the laws of privacy and publicity, and communications regulations and statutes.

LINKS TO THIRD PARTY SITES

This Web site may contain links to web sites controlled by parties other than The Company who are not responsible for and do not endorse or accept any responsibility for the contents or use of these third party web sites. It is your responsibility to take precautions to ensure that whatever you select for your use is free of viruses or other items of a destructive nature.

DISCLAIMER

WHERE EXPRESSLY PROVIDED OTHERWISE BY The Company THE MATERIALS ON THE WEB SITE ARE PROVIDED “AS IS”, AND The Company HEREBY DISCLAIMS ALL EXPRESS OR IMPLIED REPRESENTATIONS, WARRANTIES, GUARANTIES, AND CONDITIONS, INCLUDING BUT NOT LIMITED TO ANY IMPLIED WARRANTIES OR CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT, EXCEPT TO THE EXTENT THAT SUCH DISCLAIMERS ARE HELD TO BE LEGALLY INVALID. The Company MAKES NO REPRESENTATIONS, WARRANTIES, GUARANTIES, OR CONDITIONS AS TO THE QUALITY, SUITABILITY, TRUTH, ACCURACY, OR COMPLETENESS OF ANY OF THE MATERIALS CONTAINED ON THE WEB SITE. LIMITATION OF LIABILITY SHALL NOT BE LIABLE FOR ANY DAMAGES SUFFERED AS A RESULT OF USING, MODIFYING, CONTRIBUTING, COPYING, DISTRIBUTING, OR DOWNLOADING THE MATERIALS. IN NO EVENT SHALL The Company BE LIABLE FOR ANY INDIRECT, PUNITIVE, SPECIAL, INCIDENTAL, OR CONSEQUENTIAL DAMAGE (INCLUDING BUT NOT LIMITED TO LOSS OF BUSINESS, REVENUE, INVESTMENT, PROFITS, USE, DATA OR OTHER ECONOMIC ADVANTAGE), HOWEVER IT ARISES, WHETHER IN AN ACTION OF CONTRACT, NEGLIGENCE OR OTHER TORTIOUS ACTION, ARISING OUT OF OR IN CONNECTION WITH THE USE OR PERFORMANCE OF INFORMATION AVAILABLE FROM THIS WEB SITE, EVEN IF The Company HAS BEEN PREVIOUSLY ADVISED OF THE POSSIBILITY OF SUCH DAMAGE. YOU HAVE SOLE RESPONSIBILITY FOR THE ADEQUATE PROTECTION AND BACKUP OF DATA AND/OR EQUIPMENT USED IN CONNECTION WITH THE WEB SITE AND YOU WILL NOT MAKE A CLAIM AGAINST the Company FOR LOST DATA, RE-RUN TIME, INACCURATE OUTPUT, WORK DELAYS, OR LOST PROFITS RESULTING FROM THE USE OF THE MATERIALS. YOU AGREE TO HOLD The Company HARMLESS FROM, AND YOU COVENANT NOT TO SUE The COMPANY FOR, ANY CLAIMS BASED ON OR RELATED TO THE USE OF THE WEB SITE.

The Company and its suppliers control this Web Site from its headquarters in the United Kingdom and makes no representation that these Materials are appropriate or available for use in other locations.

The service is hosted by a third party in the UK at a location other than the company headquarters and as such you should be aware that any data that you submit travels to a secure server in another location. If you use this Web Site from other locations, you are responsible for compliance with applicable local laws including but not limited to the export and import regulations of other countries.

GENERAL INFORMATION PROVIDED

This Web Site may include inaccuracies or typographical errors. The Company and the Third Party Providers may make improvements and/or changes in the products, services, programs, and prices described in this Web Site at any time without notice.

The Company may periodically make changes to the Web Site. Any action related to these Terms will be governed by the law prevailing in England and Wales and any superior European Union Law. These terms represent the entire understanding relating to the use of the Web Site and prevail over any prior or contemporaneous, conflicting or additional, communications. The Company has the right to revise these Terms at any time without notice by updating this posting. Any rights not expressly granted herein are reserved by The Company

INTELLECTUAL PROPERTY AND TRADEMARK NOTICES

Elements of the Web Site may be protected by trademark protection and other laws and may not be copied or imitated in whole or in part. No logo, graphic, sound or image from the Web Site may be copied or re-transmitted unless expressly permitted by The Company.

The Company logo is a copyright protected. It must not be copied or reproduced in any way.

LEGAL CONTACT

If you have any questions about these Terms, or if you would like to request permission to use any Materials, please contact The Company by post at the company main office address as stated above.