Terms of Use & Disclaimer

Please read these Terms of Use and this Disclaimer carefully before using this website or engaging with our services. By using archangelpf.co.uk or contacting us in connection with a finance enquiry, you agree to be bound by these terms.

1. About Us

Archangel Private Finance is a trading name of Archangel Private Finance Limited, a company registered in England and Wales.

Archangel Private Finance Limited is not authorised or regulated by the Financial Conduct Authority (FCA). We act solely as a finance introducer. We do not provide regulated financial advice, arrange regulated mortgage contracts, lend money, or act as a consumer credit broker for regulated credit agreements.

All enquiries and introductions made through Archangel Private Finance are for business purposes only. We introduce only commercial, investment and business finance products, which are unregulated. We do not introduce regulated residential mortgages or regulated consumer credit.

2. Our Service

We provide an introduction service. Our role is to:

• Understand your finance requirement and circumstances
• Identify suitable lenders or finance providers from our panel
• Present indicative or formal terms on their behalf
• Facilitate the introduction and assist with the application process

We do not make lending decisions. All credit decisions are made by the lender or finance provider to whom you are introduced. We cannot guarantee that any application will be successful or that specific terms will be available.

Archangel Private Finance is remunerated by way of a broker fee or commission paid by the lender or finance provider on successful completion of a transaction. This will always be disclosed to you prior to any application being submitted on your behalf.

3. No Financial Advice

Nothing on this website or communicated by us verbally, in writing or by email constitutes regulated financial advice, investment advice, tax advice or legal advice. The information we provide is general information about finance products and is intended to help you understand what options may be available.

You should take independent professional advice before entering into any financial commitment, particularly in relation to taxation, legal structure, affordability and suitability. We strongly recommend that you instruct your own solicitor in connection with any secured borrowing transaction.

4. Business Purposes Only

The products and services described on this website are available for business purposes only. By submitting an enquiry, you confirm that:

• The finance is required for a business purpose and not primarily for personal, domestic or household use
• You are acting in the course of a business or as a property investor
• You understand that the products described are unregulated commercial finance products
• You understand that the FCA Consumer Duty and related consumer protections do not apply to these products

5. Rates, Terms and Information Accuracy

Indicative rates, loan-to-value figures, timescales and other information displayed on this website are provided for general guidance only. They are not offers and are subject to change at any time without notice. Actual terms will depend on individual circumstances, lender assessment, the security offered and prevailing market conditions.

We make reasonable efforts to ensure that the information on this website is accurate and up to date. However, we do not warrant or represent that any information is complete, accurate or current. We accept no liability for any errors or omissions in the content of this website.

Your property may be repossessed if you do not keep up repayments on a loan secured against it.

6. Limitation of Liability

To the fullest extent permitted by law, Archangel Private Finance Limited excludes all liability for:

• Any loss or damage arising from your reliance on information contained on this website
• Any loss or damage arising from any finance product introduced by us, including where a lender defaults, varies terms or takes enforcement action
• Any indirect, consequential, special or punitive loss or damage
• Any loss of business, profits, revenue, goodwill or anticipated savings

Nothing in these terms excludes or limits our liability for death or personal injury caused by our negligence, fraud or fraudulent misrepresentation, or any other liability that cannot be excluded by law.

7. Third-Party Lenders

Lenders and finance providers to whom we introduce you are independent third parties. We are not responsible for their decisions, conduct, the terms they offer, or any aspect of the lending relationship. Any contract you enter into will be directly between you and the lender.

We do not endorse or guarantee any lender on our panel. Lenders are selected based on their suitability to your requirements at the time of enquiry. Panel composition may change.

8. Website Use

This website and its content are owned by Archangel Private Finance Limited. You may use this website for personal, non-commercial purposes only. You may not reproduce, distribute, modify or create derivative works from any content on this website without our prior written consent.

We reserve the right to modify or withdraw this website or any part of it at any time without notice. We do not guarantee that this website will be available continuously or free from errors or viruses.

This website may contain links to third-party websites. These are provided for convenience only. We have no control over the content of linked sites and accept no responsibility for them or for any loss or damage arising from your use of them.

9. Privacy

Your use of this website and any data you provide to us is governed by our Privacy Policy, which forms part of these Terms of Use.

10. Governing Law

These Terms of Use and any dispute or claim arising out of or in connection with them shall be governed by and construed in accordance with the laws of England and Wales. The courts of England and Wales shall have exclusive jurisdiction.

11. Changes to These Terms

We may update these Terms of Use from time to time. The current version will always be available on this page. Continued use of this website after any changes constitutes your acceptance of the revised terms.

12. Contact

If you have any questions about these Terms of Use, please contact us:

Archangel Private Finance Limited
Email: info@archangelpf.co.uk