Terms of Service

Last Updated: 26 February 2025

Welcome to Certy. These Terms of Service ("Terms") govern your access to and use of the Certy website and services. By using Certy, you agree to these Terms. If you do not agree, you should not use our services.

1. About Certy
Certy is an independent funding introducer that connects businesses with FCA-authorised lenders. We do not provide financial advice, negotiate loan terms, or make lending decisions. Our role is strictly limited to introducing businesses to potential lenders.

2. Eligibility
By using Certy, you confirm that:
• You are at least 18 years old.
• You are authorised to act on behalf of the business seeking funding.
• You will provide accurate and truthful information.

3. How Our Service Works
1. You provide basic details about your funding requirements.
2. Certy matches you with potential lenders.
3. If you choose to proceed, your details will be shared with the lender.
4. The lender will contact you directly to discuss funding options.

Certy is not responsible for any decisions made by lenders or the terms they offer.
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4. No Guarantee of Funding
Certy does not guarantee that:
• You will receive loan offers.
• Any funding will be approved.
• A lender will offer you the best terms available in the market.

Lending decisions are solely at the discretion of the lender.

5. Fees and Charges
Certy does not charge businesses for introductions. We may receive a commission from lenders for successful introductions, but this does not influence the recommendations made.
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6. Your Responsibilities
You agree that:
• You will not use our services for fraudulent or unlawful purposes.
• You will independently assess any loan offer before accepting.
• You will comply with any agreements entered into with a lender.

7. Data Protection & Privacy
Certy complies with UK GDPR and Data Protection laws. By using our service, you agree that we may share your details with lenders in accordance with our Privacy Policy. We will never sell your data to third parties.

8. Disclaimers & Liability
• Certy is not responsible for any losses, damages, or liabilities resulting from decisions made based on our introductions.
• We do not provide financial, legal, or tax advice.
• Our website may contain links to third-party sites, but we do not endorse or take responsibility for their content.

To the fullest extent permitted by law, Certy excludes all liability for any direct, indirect, or consequential losses arising from the use of our service.
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9. Termination
Certy may suspend or terminate your access to our services at any time if we suspect misuse or breach of these Terms.
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10. Changes to these Terms
We may update these Terms from time to time. Any changes will be posted on our website, and continued use of our service will constitute acceptance of the revised Terms.
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11. Governing Law
These Terms shall be governed by and construed in accordance with the laws of England and Wales. Any disputes arising under or in connection with these Terms shall be subject to the exclusive jurisdiction of the courts of England and Wales.

12. Contact Information
If you have any questions or concerns about these Terms, please contact Dan at:
dan@wearecerty.com