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Adam's blog

Monday 13th February

The resolutions you shouldn't have broken yet...

 

 

 

Training & Education

The NACFB is committed to providing Training and Education for Commercial Finance Brokers and over the years has developed a range of training days to cover all aspects of Commercial Finance. This has included Asset Finance, Factoring and Invoice Discounting, Marketing and Fraud training to name just a few. In addition our CPD programme continues and recording is now available on line.

We offer a new qualification to replace the Certificate in Commercial Mortgages, which has been written in conjunction with all the High Street banks. The Certificate in Business Banking and Conduct (CertBB&C) is the standard qualification for all our members and is run by The London Institute of Banking & Finance.

 

Commercial Finance Expo

The Commercial Finance Expo is the only show in the UK dedicated to the business finance community. Representatives from funders across the business finance arena will be exhibiting. This year the NACFB conference will be held during the Expo, welcoming speakers who can offer a keen insight into different parts of the industry..

 

findSMEfinance

FindSMEfinance lists sources of commercial finance for small businesses, including leasing and hire purchase arrangements, commercial mortgages, and invoice discounting and factoring. It will allow you to search by region or postcode, and will take you directly to the brokers who are best placed to help you find the funding you need.

 

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Terms & Conditions

Welcome to the National Association of Commercial Finance Brokers web based portal. If you continue to browse and use this web based portal you accept the following terms and conditions of use in full, which, together with our privacy policy, govern the National Association of Commercial Finance Brokers relationship with you in respect of this portal. If you do not wish to accept the terms and conditions you should not continue to use this web based portal.

We may revise these terms and conditions at any time by updating this posting and you should check this portal from time to time to review the current terms and conditions as they are binding on you.

• About us

The term 'National Association of Commercial Finance Brokers' or 'us' or 'we' refers to the owner of this portal whose registered office is Hamilton House, 1 Temple Avenue, London, EC4Y 0HA. National Association of Commercial Finance Brokers is registered in the UK - Company Registration Number 3305378. The term 'you' refers to the user or viewer of our site.

• Contact us

You can contact us in a number of ways:

  • You can email us at admin@nacfb.org.uk
  • You can telephone on 020 7489 2056
  • You can write to us at our trading address:
    Hamilton House
    1 Temple Avenue
    London
    EC4Y 0HA

The use of this portal is subject to the following terms of use:

• Content

The content of the pages on this portal is provided for information purposes only. We will endeavour to ensure that the content is accurate and current at the point of publication, but National Association of Commercial Finance Brokers makes no warranty for the accuracy of any information on this site and accepts no liability for omissions or errors. We reserve the right to alter the content without notice, this includes revising the terms and conditions which apply to the use of this portal.

Your use of any information or materials on this portal is entirely at your own risk, for which we shall not be liable. It shall be your own responsibility to ensure that any products, services or information available through this portal meet your specific requirements.

• Your Status

By placing an order through this site, you warrant that you are legally capable of entering into binding contracts and you are at least 18 years old.

• How the Contract is formed between you and us

Your registration on this website and any subsequent order constitutes an offer to us to subscribe to, or buy, a product or a service. All orders are subject to acceptance by us, and we will confirm such acceptance to you by email. The contract between us will only be formed when we send you confirmation by email and will relate only to those products or services detailed in our email.

• Pricing

All prices include taxes and VAT (where applicable) at the current rate. We reserve the right to express the price exclusive of taxes and VAT, but we will show VAT and taxes separately and include it in the total price.

Prices are liable to change at any time, but changes will not affect orders in respect of which we have already sent you a confirmatory email.

• Payment by Credit/Debit card

Credit/debit card payments are made through a secure payment system which is PCI/DSS compliant.

A payment confirmation, with full invoice details and delivery terms, will be sent to the purchaser's registered email address with details on how to access the product or service you have purchased.

• Payment by invoice

An invoice will be sent to the billing address given during the purchase process.

An order registration will be sent to the email address you gave during the purchasing process and will set out the order reference, the product/service purchased, the price, and if applicable, the taxes and VAT payable.

Once we have received payment, a confirmation email will be sent to the email address you gave during the purchasing process. This will set out the order reference, details of how to contact us and how to access technical help, any user ids and passwords needed to access certain services, confirmation of activation and stating how long you have access to use the service or product.

• Cancellations & refunds

When you have purchased a product or service you have the right to cancel your order within 7 days of purchase.

You will receive a full refund if you have purchased a product or service from us but have not accessed it. Once you have accessed the product or service (by either launching the online course, webinar or any other online product or service) you are deemed to have used the product and no refund is payable after activation.

All requests for refunds must be made in writing, either by email to admin@nacfb.org.uk or by post, to Hamilton House, 1 Temple Avenue, London, EC4Y 0HA. Please state the reason for your refund request and quote your order number.

• Passwords and security

You are solely responsible for the use, confidentiality and protection of any password you are given to access our portal, products and services. You agree to notify admin@nacfb.org.uk immediately of any unauthorised use of your password(s).

• Links to other sites

From time to time, links to other internet sites are included on this web portal to allow you to easily access related content. These are purely provided for your convenience. They do not signify that we endorse the website in question nor can we take responsibility for the availability or accuracy of content in relation to such linked sites. When you access another site using the hyperlink, you leave the National Association of Commercial Finance Brokers web portal.

You may not create a link to this site from another website or document without the prior written consent of National Association of Commercial Finance Brokers. To obtain permission, please email admin@nacfb.org.uk, writing 'permission to link' in the subject line and giving full contact details and outlining proposed usage.

• Copyright and trade marks

This site contains material which is owned by or licensed to us. This material includes, but is not limited to, the design, layout, look, appearance and graphics. You may not reproduce or republish any material from this site except after prior written permission from us.

All images and other content on this course (collectively the "Content"), as well as the selection and arrangement of the Content, are protected by copyright, trademark, patent, trade secret and other intellectual property laws and treaties (collectively, "Intellectual Property Laws"). Any unauthorised use of any Content may violate such laws and the Terms of Use. National Association of Commercial Finance Brokers does not grant any express or implied permission to use any Content.

The images are either the property of National Association of Commercial Finance Brokers, or have been provided with approval / permission from the image owners, details of which are contained within in the Resources section.

You agree not to copy, republish, frame, link to, download, transmit, modify, adapt, create derivative works based on, rent, lease, loan, sell, assign, distribute, display, perform, license, sublicense or reverse engineer the Site or any or the Content. In addition, you agree not to use any data mining, robots or similar data and/or image gathering and extraction methods in connection with the Site or Content. Your use of any information, or materials on this course are entirely at your own risk, for which we shall not be liable.

• Breaches

Unauthorised use of this site may give rise to a claim for damages and/or be a criminal offence.

• Our Liability

Subject to the following provisions, if we fail to comply with these terms and conditions, we shall only be liable to you for the purchase price of the relevant products or services.

Subject to the following provisions, we will not be liable for losses that result from our failure to comply with these terms and conditions that fall into the following categories even if such losses result from our deliberate breach:

  • loss of income or revenue;
  • loss of business;
  • loss of profits;
  • loss of anticipated savings;
  • loss of data; or
  • waste of management or office time.

However, this clause will not prevent claims for loss of or damage to your tangible property that are foreseeable or any other claims for direct loss that are not hereby excluded.

Nothing in this agreement excludes or limits our liability for:

  • death or personal injury caused by our negligence;
  • fraud or fraudulent misrepresentation;
  • any breach of the obligations implied by section 12 of the Sale of Goods Act 1979;
  • defective products under the Consumer Protection Act 1987; or
  • any other matter for which it would be illegal for us to exclude or attempt to exclude our liability.

• Import duty

If you order products and/or services from our site for delivery outside the UK, they may be subject to import duties and taxes which are levied when the delivery reaches the specified destination. You will be responsible for payment of any such import duties and taxes. Please note that we have no control over these charges and cannot predict their amount. Please contact your local customs office for further information before placing your order.

Please also note that you must comply with all applicable laws and regulations of the country for which the products and/or services are destined. We will not be liable for any breach by you of any such laws.

• Written communications

Applicable laws require that some of the information or communications we send to you should be in writing. When using our site, you accept that communication with us will be mainly electronic. We will contact you by email or provide you with information by posting notices on our website. For contractual purposes, you agree to this electronic means of communication and you acknowledge that all contracts, notices, information and other communications that we provide to you electronically comply with any legal requirement that such communications be in writing. This condition does not affect your statutory rights.

• Notices

We may give notice to you at either the email or postal address you provide to us when placing an order. Notice will be deemed received and properly served immediately when posted on our website, 24 hours after an email is sent, or three days after the date of posting of any letter. In proving the service of any notice, it will be sufficient to prove, in the case of a letter, that such letter was properly addressed, stamped and placed in the post and, in the case of an email, that such e-mail was sent to the specified email address of the addressee.

• Transfer of rights and obligations

The contract between you and us is binding on you and us and on our respective successors and assignees.

You may not transfer, assign, charge or otherwise dispose of a contract between you and us, or any of your rights or obligations arising under it, without our prior written consent.

We may transfer, assign, charge, sub-contract or otherwise dispose of a contract between you and us, or any of our rights or obligations arising under it, at any time during the term of the contract.

• Events outside our control

We will not be liable or responsible for any failure to perform, or delay in performance of, any of our obligations under a contract between you and us that is caused by events outside our reasonable control (Force Majeure Event).

A Force Majeure Event includes any act, event, non-happening, omission or accident beyond our reasonable control and includes in particular (without limitation) the following:

  • strikes, lock-outs or other industrial action;
  • civil commotion, riot, invasion, terrorist attack or threat of terrorist attack, war (whether declared or not) or threat or preparation for war;
  • fire, explosion, storm, flood, earthquake, subsidence, epidemic or other natural disaster;
  • impossibility of the use of railways, shipping, aircraft, motor transport or other means of public or private transport;
  • impossibility of the use of public or private telecommunications networks; and
  • the acts, decrees, legislation, regulations or restrictions of any government.

Our performance under any contract between you and us is deemed to be suspended for the period that the Force Majeure Event continues, and we will have an extension of time for performance for the duration of that period. We will use our reasonable endeavours to bring the Force Majeure Event to a close or to find a solution by which our obligations under the contract between you and us may be performed despite the Force Majeure Event.

• Waiver

If we fail, at any time during the term of a contract between you and us, to insist upon strict performance of any of your obligations under the contract or any of these terms and conditions, or if we fail to exercise any of the rights or remedies to which we are entitled under the contract, this will not constitute a waiver of such rights or remedies and will not relieve you from compliance with such obligations.

A waiver by us of any default will not constitute a waiver of any subsequent default.

No waiver by us of any of these terms and conditions will be effective unless it is expressly stated to be a waiver and is communicated to you in writing.

• Severability

If any of these Terms and Conditions or any provisions of a contract between you and us are determined by any competent authority to be invalid, unlawful or unenforceable to any extent, such term, condition or provision will to that extent be severed from the remaining terms, conditions and provisions which will continue to be valid to the fullest extent permitted by law.

• Entire agreement

These Terms and Conditions and any document expressly referred to in them (including your order and our acceptance of such order) constitute the whole agreement between us and supersede all previous discussions, correspondence, negotiations, previous arrangement, understanding or agreement between us relating to the subject matter of any contract between you and us.

We each acknowledge that, in entering into a contract, neither of us relies on, or will have any remedies in respect of, any representation or warranty (whether made innocently or negligently) that is not set out in these Terms and Conditions or the documents referred to in them.

Each of us agrees that our only liability in respect of those representations and warranties that are set out in this agreement (whether made innocently or negligently) will be for breach of contract.

Nothing in this clause limits or excludes any liability for fraud.

• Our right to vary these Terms and Conditions

We have the right to revise and amend these Terms and Conditions from time to time.

You will be subject to the policies and Terms and Conditions in force at the time that you order products or services from us, unless any change to those policies or these terms and conditions is required to be made by law or governmental authority (in which case it will apply to orders previously placed by you), or if we notify you of the change to those policies or these terms and conditions before we send you confirmation of your order (in which case we have the right to assume that you have accepted the change to the terms and conditions, unless you notify us to the contrary within seven working days of receipt by you of the products or services).

• Governing law

Your use of this site and any dispute arising out of such use of the site is subject to the laws of England and Wales and will be subject to the exclusive jurisdiction of the Courts of England and Wales.



Privacy Policy

What information do we collect?

National Association of Commercial Finance Brokers (we) collect information from you when you register on our site.

When ordering or registering on our site, as appropriate, you may be asked to enter your: name, email address or mailing address. You may, however, visit our site anonymously.

Like most websites, we use cookies to enhance your experience, gather general visitor information, and track visits to our website. Please refer to the 'do we use cookies?' section below for information about cookies and how we use them.

For the purpose of the Data Protection Act 1998 (the Act), the data controller is Adam Tyler.

• Information we may collect from you

We may collect and process the following data about you:

  • Information that you provide by filling in forms on our site www.nacfb.org (our site). This includes information provided at the time of registering to use our site, subscribing to our service, posting material or requesting further services. We may also ask you for information when you report a problem with our site.
  • If you contact us, we may keep a record of that correspondence.
  • We may also ask you to complete surveys that we use for research purposes, although you do not have to respond to them.
  • Details of transactions you carry out through our site and of the fulfilment of your orders.
  • Details of your visits to our site including, but not limited to, traffic data, location data, weblogs and other communication data, whether this is required for our own billing purposes or otherwise and the resources that you access.

• IP addresses

We may collect information about your computer, including where available your IP address, operating system and browser type, for system administration and to report aggregate information to our advertisers. This is statistical data about our users' browsing actions and patterns, and does not identify any individual.

• What do we use your information for?

Any of the information we collect from you may be used in one of the following ways:

  • To personalise your experience
    (your information helps us to better respond to your individual needs)

  • To improve our website
    (we continually strive to improve our website offerings based on the information and feedback we receive from you)

  • To improve customer service
    (your information helps us to more effectively respond to your customer service requests and support needs)

  • To process transactions
    Your information, whether public or private, will not be sold, exchanged, transferred, or given to any other company for any reason whatsoever, without your consent, other than for the express purpose of delivering the purchased product or service requested.

  • To send periodic information about our products or services
    The email address, telephone number and any contact details you provide for order processing, may be used to send you information and updates pertaining to your order, in addition to receiving occasional company news, updates, related product or service information, etc.

  • To carry out our obligations arising from any contracts entered into between you and us

  • To allow you to participate in interactive features of our service, when you choose to do so

• How do we protect your information?

We implement a variety of security measures to maintain the safety of your personal information when you place an order.

We offer the use of a secure server. All supplied sensitive/credit information is transmitted via Secure Socket Layer (SSL) technology and then encrypted into our Payment gateway providers database only to be accessible by those authorized with special access rights to such systems, and are required to keep the information confidential.

After a transaction, your private information (credit cards, social security numbers, financials, etc.) will not be stored on our servers.

• Do we use cookies?

Yes (Cookies are small files that a site or its service provider transfers to your computer's hard drive through your Web browser (if you allow) that enables the sites or service providers systems to recognise your browser and capture and remember certain information.

We use cookies to help us remember and process the items in your shopping cart, understand and save your preferences for future visits and compile aggregate data about site traffic and site interaction so that we can offer better site experiences and tools in the future.

If you register with us or if you continue to use our site, you agree to our use of cookies.

• Where we store your personal data

The data that we collect from you may be transferred to, and stored at, a destination outside the European Economic Area (EEA). It may also be processed by staff operating outside the EEA who work for us or for one of our suppliers. Such staff maybe engaged in, among other things, the fulfilment of your order, the processing of your payment details and the provision of support services. By submitting your personal data, you agree to this transfer, storing or processing. We will take all steps reasonably necessary to ensure that your data is treated securely and in accordance with this privacy policy.

Where we have given you (or where you have chosen) a password which enables you to access certain parts of our site, you are responsible for keeping this password confidential. We ask you not to share a password with anyone.

Unfortunately, the transmission of information via the internet is not completely secure. Although we will do our best to protect your personal data, we cannot guarantee the security of your data transmitted to our site; any transmission is at your own risk. Once we have received your information, we will use strict procedures and security features to try to prevent unauthorised access.

• Do we disclose any information to outside parties?

We do not sell, trade, or otherwise transfer to outside parties your personally identifiable information. This does not include trusted third parties who assist us in operating our website, conducting our business, or servicing you, so long as those parties agree to keep this information confidential. We may also release your information when we believe release is appropriate to comply with the law, enforce our site policies, or protect ours or others rights, property, or safety. However, non-personally identifiable visitor information may be provided to other parties for marketing, advertising, or other uses.

In addition we may disclose your personal information to third parties in the event that we sell or buy any business or assets, in which case we may disclose your personal data to the prospective seller or buyer of such business or assets or if substantially all of our assets are acquired by a third party, in which case personal data held by us about our customers will be one of the transferred assets.

• Third party links

Occasionally, at our discretion, we may include or offer third party products or services on our website. These third party sites have separate and independent privacy policies. We therefore have no responsibility or liability for the content and activities of these linked sites. Nonetheless, we seek to protect the integrity of our site and welcome any feedback about these sites.

• Your rights

You have the right to ask us not to process your personal data for marketing purposes. You can exercise the right at any time by contacting us by using the contact details below.

Our site may, from time to time, contain links to and from the websites of our partner networks, advertisers and affiliates. If you follow a link to any of these websites, please note that these websites have their own privacy policies and that we do not accept any responsibility or liability for these policies. Please check these policies before you submit any personal data to these websites.

• Access to information

The Act gives you the right to access information held about you. Your right of access can be exercised in accordance with the Act. Any access request may be subject to a fee of £10 to meet our costs in providing you with details of the information we hold about you.

• Online Privacy Policy Only

This online privacy policy applies only to information collected through our website and not to information collected offline.

• Changes to our Privacy Policy

If we decide to change our privacy policy, we will post those changes on this page.

This policy was last modified in June 2012.

• Contacting Us

If there are any questions regarding this privacy policy you may contact us using the information below.

National Association of Commercial Finance Brokers
Hamilton House
1 Temple Avenue
London
EC4Y 0HA

admin@nacfb.org.uk

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