Services Disclosure

Genesis Capital (Finance & Leasing) Ltd ("Genesis Capital") is both a credit broker and a principal lender, but all agreements regulated by the FCA are brokered to our panel of funders. Those funders are authorised and regulated by the FCA. A list of these funders is available on request.

We are not an independent financial adviser. We will provide details of products available from our panel of funders, but no advice will be given and no recommendation made. You must decide whether the finance product you choose is right for you.

We will always endeavour to secure the lowest possible rate for our customers from our funding panel. Our panel is extensive (more than 40 different funders), but it does not represent the whole of the market.

As an intermediary we use our experience, knowledge of the market and access to funders who are not open to direct proposals, to provide a well-structured, competitive funding solution that we believe is the most suitable for the application you have presented to us.

We do not charge a direct fee on regulated agreements for this service. The funders on our panel will normally pay us an introductory commission (normally a fixed percentage of what is borrowed) and/or a share of any arrangement fee for an agreement if it meets their terms. We will not know the actual amount of any commission until an agreement is due to be activated by the specific funder, but we can disclose an estimate or range to you before then on request.

We strongly believe in minimising the data we collect and limiting its use and purpose to what we have permission for and what is necessary to deliver the services you require. Any personal information we collect will be used in accordance with UK and EU data protection regulations and other applicable laws. We rely on the following lawful bases:

• Successfully working with you and your organisation;
• Compliance with legal obligations;
• With your consent, sharing your information with any or all of the finance providers we work with for the purpose of arranging finance for you;
• With your consent, sending you information on our other products and services.

Data is stored in accordance with our privacy policy. A hard copy can be requested free of charge, and any questions on these matters can be raised with our internal compliance manager, by emailing data@genesiscapital.co.uk.

To register a complaint, please contact:

• Operations & Compliance Manager, Genesis Capital (Finance & Leasing) Ltd, F1, Sandown House, 1 High Street, Esher, KT10 9SL
• By telephone: 020 8288 6258
• By email: data@genesiscapital.co.uk

Full details of how we handle complaints are in our complaints policy.

Genesis Capital (Finance & Leasing) Ltd is authorised and regulated by the Financial Conduct Authority to conduct credit broking and lending. Our firm reference number is 679618. The FCA regulates firms in the UK to ensure they are honest, competitive and fair. You can check this information on the FCA register at register.fca.org.uk, by telephone on 0300 500 8082, or by writing to the Financial Conduct Authority, 12 Endeavour Square, London E20 1JN.

We are a member of the NACFB and abide by its code of practice and minimum standards, which are available at nacfb.org/about-us.

The Financial Ombudsman Service can consider complaints from customers with agreements regulated by the Consumer Credit Act 1974. Your agreement should be regulated if you are a sole trader, a partnership of two or three persons, or an unincorporated body of persons, and the value of the credit or the amount of payments is £25,000 or less. For more information, contact the Financial Ombudsman Service at financial-ombudsman.org.uk, on 0800 023 4567 or 020 7964 1000, or at Exchange Tower, London E14 9SR.