Terms and conditions

This website is operated by Hanover Capital Investment Management Ltd, trading as Finance My Purchase. We are a company registered in England and Wales, company number 09119483. Our registered office is 3rd Floor, 45 Albemarle Street, London, England, W1S 4JL.

These terms apply when you use this website or ask us to introduce your business to finance providers. By using the site you accept them.

We help businesses offer finance to their customers by giving them access to multiple participating finance providers through a single application. Our platform simplifies the finance process, so businesses can focus on serving their customers while participating lenders assess applications and make finance offers.

We are a commercial finance platform, not a lender. We do not lend money, set the terms of any finance agreement or make lending decisions.

We may receive a fee or commission from a participating lender when a finance agreement completes following an introduction made through Finance My Purchase. We do not charge businesses directly for submitting an application through our platform. Any finance offered, including the amount, interest rate and repayment terms, is determined solely by the lender.

We do not give financial, legal, or tax advice. Any options we present are for you to assess. If you are unsure whether a product suits your business, take independent advice before you commit.

Our service is for business customers only. When you apply, you confirm that the information you give is accurate and complete, and that you have the authority to apply on behalf of the business.

Lending decisions are made solely by the participating finance providers. We do not guarantee that an application will be approved or that any particular finance offer, amount, interest rate or repayment term will be available.

Any information or indicative figures provided before a formal offer are for guidance only and do not constitute an offer of finance. All finance offers remain subject to the lender's assessment, terms and conditions.

We do not influence or control a lender's decision and are not responsible for the products or services offered by participating lenders.

You may use this website only for lawful purposes and in accordance with these terms. You must not use the site in any way that could damage, disable or impair its operation, attempt to gain unauthorised access to any part of the site, or submit false or misleading information.

All content on this website, including text, graphics, logos, branding and software, is owned by or licensed to us and is protected by intellectual property laws. You may not copy, reproduce or use any content without our prior written permission, except as permitted by law.

We aim to keep this website available and up to date, but we do not guarantee that it will always be uninterrupted, secure, error-free or free from viruses. We may suspend, withdraw or update the website at any time without notice.

We are not responsible for lending decisions made by participating finance providers or for the terms, performance or suitability of any finance agreement entered into with a lender. Any agreement you enter into is solely between you and the lender.

To the fullest extent permitted by law, we exclude liability for any indirect or consequential loss arising from your use of this website or our services. Nothing in these terms excludes or limits our liability for fraud, fraudulent misrepresentation, death or personal injury caused by our negligence, or any other liability that cannot be excluded or limited under the law of England and Wales.

We may update these terms from time to time. The version on this page is the one that applies. These terms are governed by the law of England and Wales, and the courts of England and Wales have exclusive jurisdiction.

Write to us at Hanover Capital Investment Management Ltd, 3rd Floor, 45 Albemarle Street, London, England, W1S 4JL.

Or email joel@hanovercapital.co.uk.