Terms and Conditions

Who we are

I Q Finance Limited trading as IQ Finance. Company number 04374045.

Registered office: Worting House, Church Lane, Worting, Basingstoke, England, RG23 8PX

Trading/contact office: 4 Mansfield Business Park, Lymington Bottom Road, Medstead, Hants, GU34 5PZ

General contact details will be confirmed at legal sign-off.

These terms and using this website

By using this website, you agree to these terms. If you do not agree, do not use the website. We may update these terms from time to time.

Business use only

This platform is for UK business and commercial use only. Consumer use and personal borrowing routes are outside scope unless explicitly stated.

No finance offer

Any finance estimate, calculator result, indicative figure, monthly payment example, quote summary or route suggestion shown on the website or app is for planning and discussion only. It is not a finance offer, guarantee of acceptance, lending decision, promise of rate, term, product or funder, or financial, legal, accounting or tax advice.

Accuracy of information

We aim to keep website information accurate and current, but content may change and may not always reflect the latest lender criteria, availability or commercial terms.

Authority to submit information

You must have authority to submit business information and personal contact details used in route planning, finance estimate and secure application workflows.

Finance estimates and calculations

A finance estimate is not a finance offer.
Figures and route suggestions are indicative and may change when full business, credit and documentation checks are completed.
Final terms and outcomes are determined by relevant funders/lenders and remain subject to status, underwriting and approval.
Submission of any estimate request or secure application does not guarantee approval, timing or availability.

Credit, company and business information checks

We may use company records, business credit information and public-source data to support routing, eligibility review and application handling.

Partner routes

Partner and introducer journeys are subject to onboarding, eligibility, compliance checks and route controls set by IQ Finance and participating funders/lenders.

Embedded calculator and partner attribution

Some routes use embedded calculator or partner-attributed flows to support routing and context. Attribution data may be used to direct journeys and operational reporting.

Siemens, lender panels and proposal previews

Route examples, proposal previews and panel references (including lender and programme references) are informational only and subject to eligibility, availability and lender approval criteria.

No vehicle finance through this platform

No vehicle finance through this platform. Sector examples are subject to scope controls and may change.

Website availability

We do not guarantee uninterrupted website access and may modify, suspend or withdraw routes for legal, operational, maintenance or security reasons.

Security and acceptable use

You must not misuse this platform, including:

Submitting false, misleading or unauthorised information.
Attempting unauthorised access, scraping or probing controls.
Introducing malicious code or disrupting service operation.
Using automated submissions to bypass controls or abuse routes.

Intellectual property

Website content, design, branding and materials are owned by or licensed to IQ Finance unless otherwise stated. You must not reproduce or reuse content without permission.

Third-party links and services

This platform may include links to third-party services. IQ Finance does not control third-party terms, content or availability.

Financial promotions and fair presentation

We aim to present routes fairly and clearly. Illustrative examples and summaries are not commitments and do not replace formal lender documentation.

Case studies

Case studies are informational examples of previous projects and do not guarantee equivalent outcomes for other businesses.

Limitation of liability

To the fullest extent permitted by law, IQ Finance excludes liability for indirect or consequential loss arising from use of this website or reliance on website content.

Nothing in these terms excludes or limits liability that cannot lawfully be excluded, including liability for fraud or fraudulent misrepresentation.

Privacy and cookies

Personal data and cookie use are governed by our Privacy Notice and Cookie Policy.

Governing law

These terms are governed by the laws of England and Wales.

The courts of England and Wales have exclusive jurisdiction unless mandatory law provides otherwise.

Contact

IQ Finance, 4 Mansfield Business Park, Lymington Bottom Road, Medstead, Hants, GU34 5PZ