Terms of Business

1. About Us

LetsTalk Asset Finance is a trading name of LetsTalk Fleet Limited a registered asset finance broker in the United Kingdom, providing brokerage services to help businesses and individuals find suitable asset finance products. We are regulated by the Financial Conduct Authority (FCA) Firm Reference No. 773324.

2. Our Services

We act as an independent intermediary to introduce you to finance providers for asset finance products.

Our services include:

• Assessing your needs and financial circumstances.
• Introducing you to appropriate lenders and finance products.
• Assisting with your application process.

3. Your Responsibilities

By engaging our services, you agree to:

• Provide accurate and complete information as required for the assessment of your application.
• Notify us of any changes to your circumstances that could impact your application or agreement.
• Ensure you fully understand the terms of any agreement before entering into it.

4. Our Fees and Charges

We may receive commission or fees from the finance provider for introducing your business. We will disclose any fees, charges, or commissions you are required to pay as part of the finance agreement documentation.

• No Upfront Fees apply.
• Commission Disclosure: Details of the commission will be provided as part of the finance agreement documentation.

5. Our Obligations

We are committed to:

• Acting honestly, fairly, and professionally in your best interests.
• Providing transparent and accurate information regarding finance products and lenders.
• Maintaining confidentiality and complying with the UK General Data Protection Regulation (UK GDPR).

6. Credit and Financial Assessments

As part of our service, we may conduct or facilitate credit checks with lenders. These checks are necessary to assess your eligibility for finance.

• By using our services, you consent to us sharing your information with relevant credit reference and fraud prevention agencies.
• Credit checks may affect your credit score.

7. Complaints

We are committed to delivering a high standard of service. If you are dissatisfied with any aspect of our service, you can contact us:

Contact Details for Complaints:

LetsTalk Asset Finance

This website is owned and operated by LetTalk Fleet Limited

You can contact us by phone, or email or in writing, using the contact details published on our website from time to time. You’ll find them, at the bottom of our home page.

We aim to resolve complaints within five working days. If you are not satisfied with our response, you may refer your complaint to the Financial Ombudsman Service (FOS).

8. Limitation of Liability

We will not be liable for:

• Any loss or damage arising from your reliance on information provided by us if you fail to act upon it appropriately.
• Losses due to delays, inaccuracies, or errors caused by third parties, including lenders.

Our liability is limited to the extent permitted by law.

9. Cancellation

You may cancel your use of our services at any time before entering into a finance agreement. Please notify us in writing at [email protected]

10. Use of Our Website

By accessing our website, you agree to:

• Use it only for lawful purposes.
• Not attempt to damage, disrupt, or misuse the website or its content.

All intellectual property on our website remains our property unless otherwise stated.

11. Data Protection

We take your privacy seriously and handle your personal data in accordance with the UK GDPR and our Privacy Policy, available here.

12. Termination

We reserve the right to terminate our relationship with you if:

• You fail to provide accurate or truthful information.
• We believe you are using our services inappropriately or unlawfully.

13. Governing Law and Jurisdiction

These Terms of Business are governed by the laws of England and Wales. Any disputes arising from these terms or our services will be subject to the exclusive jurisdiction of the courts of England and Wales.

14. Changes to These Terms

We may update these Terms of Business periodically. The most recent version will always be available on our website. Continued use of our services constitutes acceptance of any changes.

15. Contact Us

If you have any questions about these Terms of Business or our services, please contact us:

You can contact us by phone, or email or in writing, using the contact details published on our website from time to time. You’ll find them, at the bottom of our home page.

These Terms of Business ensure transparency, clarity, and compliance with UK regulations, helping to foster trust and professionalism in our asset finance services.