Terms of Business

SM Finance
(A trading style of 3Q Financial Ltd)

1. Introduction

These Terms of Business set out the basis on which SM Finance (“we”, “our”, or “us”) provides services to our clients (“you”, “your”). By engaging our services, you agree to be bound by these terms.

SM Finance operates as a trading style of 3Q Financial Ltd.

2. Company Details

Trading Address:
Unit 18,10–17 Seven Ways Parade, Imperial Chambers, Woodford Ave,Ilford, IG2 6JX, United Kingdom

Phone: +44 7875 950904
Email: info@smfinance.co.uk

Registered Office:
3Q Financial Ltd
BASE, 60 Barbados Road
Bordon
GU35 0FX
United Kingdom

3. Our Services

We provide financial and advisory services, which may include:

Financial guidance and consultancy
Assistance with loan or finance applications
Liaising with lenders and financial institutions
General financial support services

The specific scope of services will be agreed with you prior to engagement.

4. Our Role

We act as an intermediary between you and third-party financial providers.
We do not guarantee approval of any application or financial product.
Any agreement you enter into with a lender is separate from our services.

5. Client Responsibilities

You agree to:

Provide accurate and complete information
Inform us promptly of any changes to your circumstances
Supply all requested documentation in a timely manner
Ensure that all information provided is truthful and not misleading

Failure to do so may affect the outcome of your application or our ability to provide services.

6. Fees and Charges

Any fees payable for our services will be clearly disclosed in advance.
Fees may be fixed, variable, or commission-based depending on the service.
In some cases, we may receive commission from lenders or third parties.

All fees are non-refundable unless otherwise agreed in writing.

7. Payment Terms

Payments must be made in accordance with the agreed terms.
Late payments may result in delays or suspension of services.
We reserve the right to charge reasonable administrative fees where applicable.

8. Confidentiality

We will treat all client information as confidential and will not disclose it to third parties except:

Where required to deliver our services
Where required by law or regulation
With your consent

9. Data Protection

We process personal data in accordance with applicable data protection laws, including the UK GDPR and the Data Protection Act 2018.

Please refer to our Privacy Policy for full details on how your data is handled.

10. Limitation of Liability

We will provide our services with reasonable care and skill.
We are not liable for:
- Decisions made by third-party lenders
- Losses arising from inaccurate information provided by you
- Indirect or consequential losses

Our total liability shall be limited to the amount of fees paid for our services, where permitted by law.

11. Complaints

If you are dissatisfied with our service, you may submit a complaint in accordance with our Complaints Procedure.

We aim to resolve all complaints promptly and fairly.

12. Termination of Services

Either party may terminate the engagement:

By providing written notice
Immediately, in cases of breach of these terms

Any outstanding fees remain payable upon termination.

13. Third-Party Services

We may introduce you to third-party providers. We are not responsible for:

Their actions or decisions
The terms of their services or agreements

You should review their terms carefully before proceeding.

14. Amendments

We reserve the right to update these Terms of Business at any time. Updated versions will be made available upon request or on our website.

15. Governing Law

These Terms of Business are governed by and construed in accordance with the laws of England and Wales.

Any disputes shall be subject to the exclusive jurisdiction of the courts of England and Wales.

16. Contact Details