We act as a credit broker, not a lender. Representative rate of 19.9% APR

Terms of Business

1. Who are we?
a. Flamingo Associates Limited trading as Car Finance 365 and Flamingo Car Finance are a company registered within
England and Wales, company number 11037446.
b. Our friendly team is on hand to support you within this journey and to answer any questions you may have.
c. As a Vehicle Finance Broker our aim is to obtain the best financial acceptance to fit your circumstance and provide you
with a high-quality vehicle. We work with a variety of finance partners in order to help you obtain an acceptance.
d. We are only able to offer products from the partners on our panel.
e. Treating Customers Fairly (TCF) is a core part of our culture and we are committed to ensuring you receive a product
suitable for your needs and circumstances.
2. Contact us
a. Should you have any questions prior to making an application, or have any queries during or after your application has
been made, you can contact us on the following information –
E: info@carfinance365.co.uk
T: 0330 912 2266
P (Registered Address): Suite 5, Premier House Premier Way, Poulton Industrial Estate, Poulton-Le-Fylde,FY6 8JP

3. Regulation
a. In order to carry out our activities, we are authorised and regulated by the Financial Conduct Authority (‘FCA’).
b. Our FRN is 808522, you can check this here -https://register.fca.org.uk/s/
c. We act as a credit broker, not a lender.
4. Fees and Commission
a. You will not be charged a fee for using our finance services; however, we must inform you that we receive a
commission payment for introducing your details.
b. This commission will not impact any rate, amount or acceptance you are offered and is an agreed fixed payment or
c. This may vary by lender/finance partner.
d. You have the right to request information on our commission at any time using the above contact details.
5. Finance Options
a. In order to assist you with obtaining vehicle finance, your details will be passed over to finance providers with whom
we work with.
b. Our finance providers, in order to assess your creditworthiness, will check your information with credit reference
agencies, and potentially fraud prevention agencies.
c. They will also use the information that you have provided us to assist them in assessing your current status and
d. It is important that all the information you provide is accurate and up to date.
e. Please note that we cannot guarantee an acceptance and all potential finance is subject to terms and status.
f. Before entering into any agreement, you should ensure you have fully read and understood the agreement you are
considering entering into.
g. We encourage you to take the time to read through any documentation provided, and please do ask any questions you
may have.
h. It is incredibly important you understand the type of agreement you are entering into along with your rights under the
agreement such as (but not limited too) Distance Selling and the 14-day rule, Post Contract and your rights if there is an
issue with the vehicle, Cancellation and what would happen should you not be able to keep up with the repayments.
i. Our team is happy to answer any questions or go through anything in further detail, please contact us on the above.
j. We will never provide you with a recommendation or advise you on certain products, however our partners will
provide you with all the information required within your Pre-Contract Information to assist you in making an informed

Flamingo Associates Ltd– Disclosure and Terms of Business v2.1
6. Affordability
a. It is extremely important that you look into finance options that are suitable for your current (and potential future)
financial situation.
b. We will go over all your details to ensure we have the correct information to pass onto our partners, who will then try
to verify the information. However, please note that evidence of your income may be requested.
c. If you are aware or suspect that your financial position will change in the future, you must inform us or the finance
partner directly.
d. Your credit rating could be adversely affected if you do not make payments when due.
7. Delivery and Collection
a. It is important that you are happy with the vehicle you are financing, and we encourage our customers to fully inspect
and test drive the vehicle they are financing before taking possession of the vehicle. 
b. Our team will carry out checks on the vehicle and dealer to fully assess them, this information will be provided to you to
help you make an informed decision. 
c. It is your responsibility to arrange with the supplying dealer as to whether you will be collecting the vehicle or
requesting delivery. In the event you choose to have the vehicle delivered without seeing the vehicle, this can be
classed as distance selling. 
d. Should you have any questions regarding this, please contact our team for further information on your rights.

8. Complaints
a. If you wish to make a complaint, please do contact us using the contact information above.
b. For full information on how we handle complaints, please see our https://www.carfinance365.co.uk/complaint-
9. Your Information
a. In order to process your application, you will need to provide us with some of your personal information. We pride
ourselves on handling your information in the most secure and professional way we can.
b. Your data will not be processed without your explicit consent for us to do so, therefore if you do not wish for your
application to be processed, we kindly ask that this is not submitted.
c. As mentioned above, your information will be passed over to our finance partners in order to try to obtain you a
finance acceptance. Whilst we have assessed the partners we work with; we have included their information within our
privacy policy so you can fully research how they will use your information.
d. For further detail on how your information is used by us and who it will be shared with, please view our
e. Our ICO number is ZA298345.

10. The Car Shopping Service Package
a. We would like to make you aware of our optional service package if you need that little extra helping hand finding a
new car. The first thing we need to make you aware of is that this package is not compulsory and will not impact your
financial acceptance in any way.
b. We will always provide you with the best rate regardless.
c. The second thing we need to make you aware of is that this fee is £199 and will be payable upfront.
d. We will provide you with a full breakdown of what is included but if you have any questions, please contact us on the
above details and we will go through it for you in further detail so you can fully understand the package. 
e. Please note that should you proceed with this package, the intention is to assist you only, we will never advise you to
choose a certain vehicle. This fee is not related to any regulated activity.