Legal

Website and Service Terms & Conditions

1. About these Terms

These Terms and Conditions ("Terms") govern your use of the Four Commercial Finance website and, where applicable, your initial dealings with us in relation to commercial finance brokerage and related services. By accessing or using our website, you agree to these Terms.

Separate engagement terms, fee agreements, regulatory disclosures, finance documents or lender terms may also apply to a particular transaction. Where separate terms have been expressly agreed in connection with our services, those terms will apply to the relevant service and will take priority to the extent of any inconsistency.

2. About Four Commercial Finance

Business/correspondence address: Bristol & Bath Science Park, Dirac Crescent, Emersons Green, Bristol, BS16 7FR, United Kingdom.

Any statement published here about regulatory status must accurately reflect the firm's current permissions and status.

3. Our role

Four Commercial Finance provides commercial finance brokerage and related intermediary services. Unless expressly stated otherwise in writing in relation to a particular transaction, we act as a broker or intermediary and not as a lender. We may introduce customers to banks, alternative lenders, specialist funders and other finance providers. We do not represent that we have access to every finance provider or finance product available in the market, and our panel may change from time to time.

4. Regulated and unregulated finance

Commercial finance may include both regulated and unregulated products and activities. Whether a particular finance arrangement is regulated depends upon matters including the applicant, legal structure, purpose of the finance, nature of the transaction and applicable legislation. Where a service we provide is subject to Financial Conduct Authority requirements or other regulatory requirements, applicable disclosures and protections will be provided where required. You should not assume that a commercial finance product is regulated merely because Four Commercial Finance has arranged or introduced it.

5. No guarantee of finance

Submitting an enquiry or application does not guarantee that finance will be available. Finance is subject to the relevant provider's criteria and may be subject to application and underwriting, creditworthiness and affordability assessments, satisfactory identification checks, anti-money laundering checks, valuations, security requirements, legal due diligence, satisfactory documentation, availability of funds and final approval by the finance provider.

A decision in principle, indicative quotation, heads of terms or similar communication does not normally constitute an unconditional commitment to lend. Finance providers may amend or withdraw an offer before completion where permitted by their terms.

6. Information you provide

You agree that information you provide in connection with an enquiry or finance application will, to the best of your knowledge, be accurate, complete and not misleading, and you must promptly inform us if material information changes. You authorise us, where reasonably necessary to deal with your enquiry or application, to provide relevant information to potential finance providers and other parties involved in assessing or completing the proposed transaction, subject to applicable data protection law and our Privacy Policy. Providing inaccurate, incomplete or misleading information may result in delay, rejection or withdrawal of a finance offer.

7. Information about other people

If you provide information concerning another person, including a director, shareholder, beneficial owner, partner or guarantor, you confirm that you have an appropriate basis for providing that information. Where appropriate, you should make that individual aware that their information may be processed in connection with the proposed finance transaction.

8. Credit searches and due diligence

A finance provider may carry out searches or checks before deciding whether to provide finance:

• credit-reference searches
• identity checks
• fraud-prevention checks
• anti-money laundering checks
• sanctions screening
• Companies House searches
• property or asset checks
• other appropriate due diligence

Any credit search conducted by a lender or another third party will be governed by that organisation's procedures and privacy information.

9. Fees

Four Commercial Finance will clearly communicate any fee payable by you for our brokerage or related services where applicable. Where a customer fee applies, details including the amount or method of calculation, when it becomes payable and relevant refund provisions will be set out separately where required. You should read any fee agreement carefully before accepting it.

Unless expressly agreed otherwise, you remain responsible for third-party costs that you have agreed to incur in connection with a finance transaction, which may include valuation fees, legal fees, survey fees, due-diligence costs and finance-provider fees.

10. Commission and other remuneration

Four Commercial Finance may receive commission, fees or other remuneration from a lender, funder or other third party in connection with finance we arrange or introduce. The existence, nature and, where applicable, amount or method of calculating relevant remuneration will be disclosed where required by law or regulation. For regulated credit-broking transactions, additional commission disclosure requirements may apply. Where you are legally entitled to request information regarding commission received in connection with your transaction, we will provide the required information. The remuneration available to us may differ between finance providers.

11. Rates, payments and illustrations

Rates, fees, repayment amounts, loan-to-value figures, finance amounts and other figures displayed on our website or provided at an early stage are illustrative or indicative unless expressly stated otherwise. Actual terms are determined by the relevant finance provider following assessment of an application. Interest rates, fees and provider criteria can change. You should carefully review formal terms issued by the relevant finance provider before entering into a finance agreement.

12. Independent advice

Information on our website is intended as general information and does not constitute legal, tax, accounting or investment advice. The suitability and consequences of commercial finance depend upon individual circumstances. You should obtain independent professional advice where appropriate before entering into a transaction.

13. Security

Commercial finance may be secured against business assets, property or other assets. Depending upon the finance product, failure to maintain repayments may result in enforcement action and could put assets provided as security at risk. You should read all finance-provider documentation carefully and obtain independent professional advice where appropriate.

14. Introductions to third parties

We may introduce you to finance providers or other third parties whose products or services may be relevant to your requirements. Unless otherwise stated, those organisations are independent from Four Commercial Finance. We are not responsible for the acts, omissions, underwriting decisions, service performance or contractual obligations of an independent third party merely because we introduced you to them. Your contractual relationship with a finance provider will be governed by that provider's own agreement and terms.

15. Website information

We take reasonable care when preparing information published on our website. However, commercial finance markets, interest rates, lender criteria and regulations change frequently. We do not warrant that all website information will always be complete, current or appropriate to your particular circumstances. We may update, amend or remove website content without notice.

16. Website technology and availability

Our website has been created and published using our hosting platform. We aim to keep the website reasonably available but cannot guarantee uninterrupted or error-free access. Website availability may be affected by maintenance, internet connectivity, hosting infrastructure, third-party services, security events or technical problems outside our reasonable control. We may suspend, restrict or withdraw all or part of the website where reasonably necessary.

17. Acceptable use

You must not:

• use our website unlawfully or fraudulently
• attempt to gain unauthorised access to the website or associated systems
• introduce malware, viruses or harmful code
• interfere with the operation or security of the website
• attempt to circumvent security controls
• use automated systems to systematically scrape website information without permission
• use our content in a manner that infringes intellectual property rights

18. Intellectual property

Unless otherwise stated, Four Commercial Finance or its licensors own the intellectual property rights in our website and its content. You may view and print reasonable extracts for your own legitimate personal or internal business use. You must not reproduce, modify, republish, distribute, commercially exploit or systematically extract our content without prior written permission except where permitted by law.

19. External links

Our website may contain links to websites operated by lenders, funders and other third parties. These links are provided for convenience and information. We do not control third-party websites and are not responsible for their availability, security, content or privacy practices. A link does not necessarily constitute endorsement.

20. Liability

Nothing in these Terms excludes or limits liability where it would be unlawful to do so, including liability for death or personal injury caused by negligence, fraud or fraudulent misrepresentation, or another liability that cannot legally be excluded.

Subject to applicable law and any separate contractual or regulatory obligations owed by us, Four Commercial Finance will not be responsible for losses arising solely from a finance provider declining an application; a provider changing or withdrawing an indicative offer; changes to interest rates or lending criteria; delays caused by finance providers or other independent third parties; incomplete, inaccurate or misleading information supplied to us; failure to obtain appropriate professional advice; temporary website unavailability; or events outside our reasonable control. Nothing in these Terms limits statutory or regulatory rights that cannot lawfully be restricted.

21. Privacy and cookies

Our processing of personal information is governed by our Privacy Policy. Our use of cookies and similar website technologies is explained in our Cookie Policy. Those documents should be read together with these Terms.

22. Complaints

If you are dissatisfied with our service, you may submit a complaint in writing to the address below, marked for the attention of Complaints. Where a complaint concerns a regulated activity, any regulatory complaint procedure and escalation rights applicable to that service will be explained as required. Data protection complaints are handled in accordance with our Privacy Policy.

23. Changes to these Terms

We may update these Terms from time to time. Changes will take effect when revised Terms are published on our website unless otherwise stated. Terms separately agreed for an existing transaction will not be changed merely by updating these website Terms unless the applicable agreement permits such a change.

24. Severability

If any provision of these Terms is found to be invalid or unenforceable, that provision will be treated as modified or removed to the minimum extent necessary and the remaining provisions will continue in effect.

25. No waiver

If we delay or fail to exercise a right under these Terms, this does not mean that we have waived that right.

26. Third-party rights

Unless expressly stated otherwise, no person other than you and Four Commercial Finance has a right under the Contracts (Rights of Third Parties) Act 1999 to enforce these Terms.

27. Governing law and jurisdiction

These Terms and any non-contractual obligations arising from them are governed by the laws of England and Wales. Subject to mandatory rights or jurisdiction that cannot lawfully be excluded, the courts of England and Wales will have jurisdiction over disputes arising from these Terms.

28. Contacting us

Correspondence relating to these Terms can be sent in writing to the address below.

Privacy Policy

1. About this Privacy Policy

Four Commercial Finance ("we", "us" or "our") respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, store and share personal information when you:

• visit or use our website
• contact us through our website, in writing or otherwise
• enquire about commercial finance or related services
• apply for or obtain finance through a finance provider introduced by us
• act as a director, shareholder, partner, guarantor, beneficial owner or representative of a business seeking finance
• supply services to us
• otherwise interact with Four Commercial Finance

This Privacy Policy is intended to comply with applicable UK data protection legislation, including the UK GDPR, the Data Protection Act 2018, the Privacy and Electronic Communications Regulations 2003 ("PECR") and applicable amendments introduced by the Data (Use and Access) Act 2025.

2. Who we are

The data controller responsible for your personal information is:

Business/correspondence address: Bristol & Bath Science Park, Dirac Crescent, Emersons Green, Bristol, BS16 7FR, United Kingdom.

3. Personal information we collect

• Identity information — name, date of birth, title, signature and identification information
• Contact information — postal address and other contact details you choose to provide
• Business information — business name, company number, registered and trading addresses, business activities, trading history, ownership structure and information about directors, shareholders, partners and beneficial owners
• Financial information — turnover, income, accounts, assets, liabilities, existing borrowing, banking information, payment history, affordability, forecasts and funding requirements
• Finance application information — type and amount of finance sought, proposed use of funds, security available, property or asset information and information required by potential finance providers
• Credit and verification information — where lawful, information from credit reference agencies, fraud-prevention services, Companies House, public registers, sanctions databases and identity-verification providers
• Communications — records of website enquiries, correspondence, meetings, complaints and other interactions
• Website and technical information — IP address, browser type, operating system, device type, approximate location, pages viewed, dates and times, referral source, visit duration, session or device identifiers and diagnostic and security information

Our website is built and hosted using a third-party hosting platform. Where project analytics is enabled, our hosting provider may process website usage information on our behalf. Please see our Cookie Policy for further details.

4. How we obtain your information

• directly from you
• through our website
• from the business or organisation you represent
• from directors, shareholders, partners, guarantors or other people connected with a finance application
• from finance providers, lenders and funders
• from introducers, professional advisers and business partners
• from credit reference and fraud-prevention agencies
• from Companies House and other public registers
• from identity and anti-money laundering verification services
• through website analytics and technical systems
• from publicly available sources where lawful and appropriate

If you provide personal information about another person, you should ensure that you are permitted to provide it to us and, where appropriate, make them aware of this Privacy Policy.

5. Why we use personal information

Handle enquiries and provide our services. This includes understanding your funding requirements, discussing potential finance options, assessing which finance providers may be relevant and communicating with you. Our lawful basis will generally be taking steps at your request before entering into a contract, performance of a contract and/or our legitimate interests.

Introduce you to finance providers. Where appropriate, we may provide relevant information to potential lenders, funders or finance providers so they can assess your funding requirements. Our lawful basis may include taking steps at your request, performance of a contract, legitimate interests and, where required, consent.

Verify identity and prevent financial crime. We may use information for identity verification, fraud prevention, anti-money laundering checks, sanctions screening and related compliance purposes, relying on legal obligations and our legitimate interests.

Administer our relationship with you — maintaining records, answering enquiries, managing applications, administering agreements and providing support.

Meet legal and regulatory requirements — complying with applicable laws, court orders, regulatory requirements or lawful requests from authorities.

Protect our business — security, fraud detection, establishing or defending legal claims, debt recovery, auditing, business continuity and risk management.

Operate and improve our website. Where consent is legally required for non-essential cookies or storage/access technologies, these will only be enabled after the required consent has been obtained.

Marketing. Where permitted by law, we may communicate information about finance products or services that may be relevant. You have the right to object to direct marketing at any time.

6. Commercial finance applications and credit decisions

Four Commercial Finance may act as an intermediary between customers and finance providers. Finance providers may process your personal information for their own purposes and will normally act as independent data controllers. Potential finance providers may undertake:

• credit searches
• fraud-prevention checks
• identity verification
• anti-money laundering checks
• affordability and creditworthiness assessments
• property, asset or security assessments
• other underwriting and due-diligence checks

A finance provider's decision whether to offer finance is its own decision. Four Commercial Finance does not control a lender's underwriting or credit decision.

7. Who we may share personal information with

• banks, lenders, funders and other finance providers
• credit reference agencies
• fraud-prevention and identity-verification providers
• anti-money laundering and sanctions-screening providers
• valuers and surveyors
• solicitors, accountants and other professional advisers
• insurers where relevant
• IT, hosting, website and cloud-service providers
• our hosting provider, where it provides hosting, website infrastructure or project analytics
• payment and accounting service providers
• introducers and business partners where appropriate
• regulators, law-enforcement bodies, courts and public authorities where required
• purchasers or advisers involved in a genuine corporate transaction
• other parties where disclosure has been authorised or is otherwise legally permitted

We do not sell personal information as a commodity.

8. Website hosting and analytics

Our website has been created using our hosting platform. Our hosting provider may process limited information relating to visitors to our published website as our technology and hosting provider. Where project analytics is enabled, information processed may include website visits, pageviews, visit duration, bounce rate, pages viewed, traffic or referral source, device type, browser information and approximate geographic location. Our hosting provider describes this as App Usage Data and processes it on our behalf; according to our hosting provider's published privacy information, App Usage Data from customers' published applications is not used to train our hosting provider's AI models. We remain responsible for determining the purposes for which personal information relating to visitors is processed.

9. Credit reference and fraud prevention agencies

Where a proposed finance provider requires a credit or fraud-prevention search, information about you or your business may be provided to the relevant organisation. Those organisations may retain records of searches and may link information relating to people who are financially associated. Where processing is undertaken directly by a finance provider, you should refer to that provider's privacy information.

10. International transfers

Some technology, hosting, finance or other service providers may process personal information outside the United Kingdom. Where information is transferred internationally, appropriate steps will be taken to ensure the transfer is lawful, which may include UK adequacy regulations, approved contractual safeguards or another lawful transfer mechanism.

11. How long we keep information

We retain personal information only for as long as reasonably necessary for the purposes for which it was collected, including meeting legal, regulatory, tax, accounting, compliance and reporting requirements. Records relating to completed transactions or substantive business relationships may commonly be retained for up to six years after the relevant relationship or transaction ends. Information may be retained longer where necessary for legal obligations, regulatory requirements, potential legal claims, fraud prevention or another legitimate and lawful reason. Unsuccessful or incomplete enquiries may be retained for a shorter period.

12. Security

We use appropriate organisational and technical measures designed to protect personal information against unauthorised access, disclosure, alteration, accidental loss, destruction or damage. Access is restricted to people and service providers who have an appropriate business need. No internet-based system can be guaranteed to be completely secure, but we take measures proportionate to the nature and sensitivity of the information processed.

13. Your data protection rights

• the right to be informed
• the right of access
• the right to rectification
• the right to erasure in certain circumstances
• the right to restrict processing in certain circumstances
• the right to object to certain processing
• the right to data portability where applicable
• rights relating to certain solely automated decisions
• the right to withdraw consent where processing relies upon consent

These rights are not absolute and may be subject to legal exemptions. You have the right to object at any time to the use of your personal information for direct marketing. Requests can be submitted to us in writing at our registered office, and we may need to verify your identity before dealing with a request.

14. Data protection complaints

If you believe we have not handled your personal information correctly, you may make a data protection complaint in writing to the address below, marked "Data Protection Complaint". We will acknowledge and deal with complaints in accordance with applicable data protection legislation. You also have the right to raise concerns with the Information Commissioner's Office (ICO) at www.ico.org.uk.

15. Cookies and similar technologies

Our website may use cookies, local storage and similar storage or access technologies, and we may also use website analytics provided by our hosting platform. Where consent is required, non-essential technologies will not be enabled until you have made the relevant choice. Please see our Cookie Policy below.

16. Third-party websites

Our website may contain links to websites operated by lenders, finance providers or other third parties. Those organisations are responsible for their own websites and privacy practices. We recommend reviewing their privacy notices before providing personal information.

17. Changes to this Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our services, technology, business practices or legal obligations. The current version will be published on our website together with its last-updated date.

18. Contacting us

Questions, requests or complaints concerning personal information can be sent in writing to:

Cookie Policy

1. About this Cookie Policy

This Cookie Policy explains how Four Commercial Finance uses cookies and similar technologies on our website. It should be read together with our Privacy Policy. Our website has been built and is hosted using our hosting provider.

2. What are cookies and similar technologies?

Cookies are small files or pieces of information stored on or accessed from your computer, smartphone, tablet or other device when you visit a website. Websites may also use similar technologies including browser local storage, session storage, pixels, scripts, tags and device or session identifiers. These technologies can be used to operate a website, maintain security, remember preferences and understand how visitors use the website.

3. Our website technology

Our website is created and published using our hosting platform, which provides hosting, infrastructure and optional project analytics. As part of operating a published website, limited technical information may be processed, including IP address, browser type, device type, operating system, timestamps, pages requested, approximate location, diagnostic information and security or technical logs. Some of this processing occurs at server level and does not necessarily involve storing a cookie on your device.

4. Cookies and technologies we use

5. Project analytics

We may use the project analytics functionality provided by our hosting platform to understand how our published website is being used. Information measured may include number of visitors, pageviews, pages viewed, bounce rate, visit duration, traffic source, device type and approximate geographic location. Where the use of analytics involves storing information on, or accessing information from, your device and consent is legally required, analytics will not be activated until you have consented.

6. Strictly necessary technologies

• website delivery
• network communication
• security
• fraud or abuse prevention
• remembering your cookie preference
• maintaining essential website functionality
• responding to a service specifically requested by you

We do not ask for consent for a technology where applicable law permits it to be used without consent because it is strictly necessary or otherwise exempt.

7. Analytics and performance technologies

Analytics technologies allow us to understand how visitors interact with our website. Where consent is required, these technologies remain disabled unless and until you select Accept or otherwise enable the relevant analytics preference. Declining analytics does not prevent you from using the main functions of our website.

8. Advertising and marketing cookies

Four Commercial Finance does not currently use advertising or behavioural marketing cookies. In particular, this policy does not assume that the website uses Meta Pixel, Google Ads conversion tracking, TikTok Pixel, LinkedIn Insight Tag, Microsoft Advertising, HubSpot tracking, Microsoft Clarity, Hotjar or other behavioural advertising or session-recording services. If any such service is added in future, this policy and our cookie consent controls will be updated before or when that technology is introduced.

9. Google Analytics

Google Analytics is not part of the current Four Commercial Finance website configuration. Although our hosting provider itself may use Google Analytics on our hosting provider's own websites and services, this does not mean Google Analytics is automatically installed on websites created using our hosting platform. If it is later installed, the relevant cookies and consent choices will be added to this policy.

10. Cookie preferences

• Accept All — allows optional analytics technologies
• Reject Non-Essential — keeps optional analytics or marketing technologies disabled
• Manage Preferences — allows you to select which optional categories you permit

Rejecting optional technologies should be as straightforward as accepting them.

11. Withdrawing or changing consent

You may change or withdraw your cookie choices at any time through the Cookie Settings or Manage Cookies control displayed on the website. Withdrawing consent does not affect the lawfulness of processing that took place before consent was withdrawn. You may also delete cookies or stored website information using your browser settings.

12. Browser controls

• delete existing cookies
• prevent new cookies being stored
• block third-party cookies
• delete local storage
• receive warnings when a website attempts to store information

Blocking all website storage may affect certain features.

13. Website enquiry forms

Information that you deliberately enter into a website enquiry or finance enquiry form is not treated as a cookie. Information submitted through a form may include personal and business information necessary for us to respond to your enquiry or consider potential finance options. The processing of information submitted through forms is explained in our Privacy Policy.

14. Third-party websites

Our website may contain links to websites operated by banks, lenders, finance providers or other third parties. Visiting an external website may cause that third party to use its own cookies or similar technologies, which we do not control. You should review the cookie and privacy information provided by the relevant third party.

15. Future changes to website technology

The technologies used by our website may change as the website develops — for example additional analytics, customer relationship management software, embedded videos, appointment booking tools, live chat, advertising pixels or other third-party integrations. Before using a new non-essential technology, we will assess whether consent is required and update our cookie controls and policy as appropriate.

16. Changes to this Cookie Policy

We may update this Cookie Policy to reflect changes in our website, our hosting provider's services, technologies used by the website, applicable law or regulatory guidance. The latest version will be published on our website with the current last-updated date.

17. Contacting us

Questions or requests relating to cookies or personal information can be sent in writing to: