Terms & conditions

1. Acceptance of terms

1.1 The website www.360funding.co.uk (“the Site”) is a site operated by Armstrong Nationwide Limited, trading as ‘360 Funding’ ("We, Us, 360 Funding"). We are registered in The United Kingdom under company number 03919924 and our registered office address is 17 Riverside Studios, Amethyst Road, Newcastle Upon Tyne NE4 7YL UK. We are a limited company.

1.2 We are governed by UK and EU laws.

1.3 Please make sure you have read these Terms & Conditions carefully, they protect you as a user of the Site and prevent the Site from being used for any illegal or unauthorised purposes. They also outline the parameters on which you are permitted to use the Site and by accessing and continuing to use this Site you agree to be bound by and act in accordance with these Terms & Conditions.

1.4 Your privacy is very important to us and we process all information about you in accordance with our Privacy Policy and Cookies Policy. By using the Site you confirm that you have read and agreed to our Privacy Policy and Cookies Policy.

1.5 We may amend these Terms & Conditions at any time without prior notice. You are expected to check these Terms & Conditions from time to time and your continued use of the Site will mean that you accept any amendments to the Terms & Conditions.

1.6 All rights, including copyright and database rights of the 360 Funding website and its contents are owned by 360 Funding or otherwise used by 360 Funding as permitted by applicable law.

1.7 To apply you must be at least 18 years old and a UK resident (excluding the Channel Islands and the Isle of Man). Car finance is also subject to personal circumstance.

2. Website

2.1 The Site is a medium for providing information and access to products and services of third parties related to motor vahicles including new and used vehicle loans.

2.2 We do our utmost to ensure that the information on the Site is accurate, reliable and helpful. However, the information is general in nature, and is intended as a guide only to the types of products and services offered by 360 Funding. Users are advised to consult with 360 Funding and to check any product or service information for specific nformation.

2.3 All vehicle descriptions are supplied by dealers, and therefore 360 Funding shall not be held responsible for any related errors or emissions on pricing or vehicle description. 360 Funding has the right to refuse a sale or adjust any details up until an order has been received in writing from the customer at an agreed price set by 360 Funding.

2.4 Any loan product or service which you obtain via the Site will be subject to the terms and conditions of the relevant product provider. Before proceeding with any loan or other product or service with the product provider, you should read its terms and conditions carefully and, where appropriate, take independent advice.

2.5 The Site and the information supplied for use with it have been obtained from sources believed to be reliable and accurate at the date of publication. 360 Funding makes no representation or warranty, express or implied, as to its accuracy or completeness. No independent verification has been undertaken in respect of the information supplied.

3. Your use of the website

3.1 By accessing 360 Funding web pages, you agree that you will access the contents solely for your own private use and not for any commercial or public use. Except as permitted within, you undertake not to copy, store in any medium (including in any other website), distribute, transmit, re-transmit, broadcast, modify, or show in public any part of 360 Funding website save for the purposes as laid out in these terms and conditions without the prior written permission of 360 Funding or in accordance with the Copyright, Designs and Patents Act 1988.

3.2 You must not under any circumstances attempt to gain unauthorised access to our site, the server on which our site is stored or any server, computer or database connected to our site. You must not seek to undermine the security of the site in any way. In particular, but without limitation, you must not attempt to alter or delete any information that you are not authorised to access , attack our site via a denial-of-service attack or a distributed denial-of service attack. By doing so you would commit a criminal offence under the Computer Misuse Act 1990.

4. Disclaimer/liability

4.1 Neither the Site nor the information derived from it constitutes an offer by 360 Funding. Prices contained within the site and/or Quotations subsequently obtained are subject to confirmation by 360 Funding. We have the right to decline any proposal. No contract will be binding on 360 Funding unless it is in writing and signed by a duly authorised representative of 360 Funding.

4.2 Any photographs and colours used in the site are for illustrative purposes only and do not form part of any contract.

4.3 Accordingly, neither 360 Funding nor its directors, representatives or employees, accept any liability whatsoever for any direct, indirect or consequential loss howsoever arising from the use of this Site and the information supplied in connection therewith.

4.4 By using the Site the User further agrees to indemnify and hold 360 Funding harmless from any and all claims, expenses and liability of any kind arising out of or in connection with any use of the Site.

4.5 The Site may contain links to other websites. When you activate any of these links, you will leave the Site and we accept no responsibility for the availability or content of any linked websites or for any loss or damage that may arise from your use of them. The links are provided for your convenience and any such link does not imply endorsement by us of a website or any association with the operators of a website.

4.6 In assessing your car loan application, we will make enquiries about you including searching your records held by Equifax Plc and/or Experian Ltd. You consent to us disclosing details of your finance application and we may use a 'credit scoring' or other automated process in deciding whether to accept your application. Your information may also be sent to a third party for further loan option purposes. Loan offers will be valid for 30 days.

5. Used cars supplied by 360 Funding

5.1 Cars supplied by 360 Funding will be covered by a car warranty for a minimum of 6 months. It is the customer's responsibility to be fully aware of the parts not covered by the car warranty (if any). The car is supplied on the basis that the client understands 360 Funding will not rectify or compensate for any car repairs outside of the car warranty.

5.2 If a car is returned the customer bears the cost of return and a cancellation fee of 5% of the car value or a minimum of £500, whichever is the greater.

5.3 On delivery of a vehicle supplied by 360 Funding you must inspect it and sign for its acceptance. If you allow another individual to do this, it will be taken that they are acting fully on your behalf and that you personally have accepted the vehicle. If you require a test drive of the vehicle, you need to notify the driver who will allow you to do so.

5.4 The customer has a 14 day notice period from delivery, for notification of any mechanical or body defects providing they are not commensurate with the vehicle age and mileage or notified to you before delivery.

5.5 Cancellation after accepting the vehicle will only be allowed provided the goods are deemed faulty and that 360 Funding cannot repair such items within 30 days. The cancellation fee does not apply if the vehicle order is cancelled under these terms. Order pricing is valid for 14 days. If you are purchasing the vehicle using finance you need to refer to the lenders terms and conditions. This does not affect your statutory rights as per distance selling rights.

6. Data protection

6.1 If you make an application, your details will be held on computer and used in a credit scoring or other automated decision-making process when assessing your application. An enquiry will be made with Credit Reference Agencies, who will record it so that it can be viewed by other Agency users. Your information will also be checked with fraud prevention agencies and if fraud is suspected 360 Funding ("we" or "us") will record this and those details will be shared with other subscribing organisations. For the purposes of this application you may be treated as financially linked and your application will be assessed with reference to any "associated" records. If you are a joint applicant or if you have told us of some other financial association with another person, you must be sure that you are entitled to:

• Disclose information about your joint applicant and anyone referred to by you

• Authorise 360 Funding to search, link or record information at credit reference agencies about you and anyone referred to by you

6.2 You authorise us to make all enquiries necessary to verify this information to enable us to consider this application. By agreeing to the terms and conditions when making your application, you are giving your consent for your information to be used by 360 Funding for administrative, underwriting, marketing and revenue purposes. This may include partners or related 3rd parties. If you do not want your details to be used for marketing please write to 360 Funding, 17 Riverside Studios, Amethyst Road, Newcastle Upon Tyne, NE4 7YL. Under the terms of the act you have the right to obtain a copy of the information held about you upon payment of the appropriate fee.

7. Additional fees

7.1 At the request of the customer 360 Funding will disclose to the customer, in good time before a regulated credit agreement or a regulated consumer hire agreement is entered into, the amount (or if the precise amount is not known, the likely amount) of any commission or fee or other remuneration payable to 360 Funding by the lender or owner or a third party.

7.2 As per Road Fund Licence (Road Tax) regulation changes on October 1st 2014, 360 Funding are not able to provide any road tax with any vehicle, new or used. It is the responsibility of the customer to contact the DVLA and arrange road tax payment. 360 Funding will not be held responsible for any loss incurred by the customer for failure to comply with the new regulations.

7.3 All contacts supplied by 360 Funding will be in English.

8. Information about our financial services

8.1 360 Funding is a vehicle financier and vehicle supplier, strictly governed by its relationships with lenders and dealers, and cannot be held responsible for any change to vehicle specification or finance rates or any other variable outside of its control so imposed by those companies.

8.2 The term of any contract we offer will be between 12-60 months. We do not offer contracts for less than 12 months.

8.3 Any offers provided by 360 Funding will be valid for 30 days, from the date issued.

8.4 The Supply of Goods & Services Act exists to protect the customers from businesses that operate without reasonable care and skill. All services supplied by 360 Funding are governed by the Supply of Goods & Services act. You can find the act with full details here.

8.5 You will be provided with a standardised form with any credit agreement called Standard European Consumer Credit Information (SECCI). This document allows you to see exactly what your finance agreement contains.

8.6 If you have a complaint, full details of our complaints procedure are available on our complaints page.

8.7 If 8 weeks has passed since making your complaint and you are still not happy then you may contact the Financial Ombudsman Service (FOS). Details on FOS and how to contact them can be found here.

8.8 Quotes generated by this website are powered by the vehicle and finance settings chosen by the user. All the quotes are based on prime interest rates, and are subject to change. In addition the quotes do not take into account any customer information or circumstances which can affect an individuals chance of getting finance for a vehicle. The figures provided by this form are quotes and do not represent an acceptance for a loan of any kind. As the quotes are subject to a user’s personal circumstances and lender requirements, full confirmation on the price to be paid (including all related lender fees) will be detailed in the lenders customer documentation pack.

9. Cancellation policy

9.1. The customer has14 days from the date of funding to cancel the agreement with no penalty.

9.2 If the car is delivered, the customer has 14 days from the day of delivery to cancel without penalty under the Distance Selling Act. However the vehicle supplier has the right to claim reasonable compensation for any true costs incurred.