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Terms & Conditions

Concept Car Credit Limited

This website is the property of Concept Car Credit Limited (Company Number 5024184) whose registered office is at Unit E1, Europa Park, Stoneclough Road, Radcliffe, Gt Manchester, M26 1GG.

The content of this website and the information contained therein informs the user of the services provided by Concept Car Credit. In addition it permits the user of the website to provide personal data and information to Concept Car Credit which assists us in the provision of our services.

Your Obligations

It is your responsibility to read thoroughly the Terms and Conditions of use of this website as set out below. Also incorporated is our Privacy and Data Protection Policy, which details how we use any information we collect about you.

In order to use the website, including but not limited to an online application, you must accept these Terms and Conditions by clicking “Yes” where asked to do so. If you do not accept these Terms and Conditions you are not permitted to use the website and must click “No”. Failure to click “No” will be deemed to constitute acceptance of these Terms and Conditions.

Third Party Website

By using our website you may be able to directly access third party websites.

We do not own, operate or control such third party websites and are not responsible for their content. When you access such third party websites you do so at your own risk and your usage of each third party website is subject to their terms and conditions of use and you agree to abide by them.


Concept Car Credit makes no warranties nor representations about the content of the information provided to you as part of our services, including but not limited to any information contained within this website and other third party websites.

Concept Car Credit hereby disclaims all warranties and conditions, both express and implied, with regard to the information provided.

Limitation Of Liability

We do not accept liability for any errors and/or omissions in the information contained with the website.

Concept Car Credit will not be held liable for any infringement on your part of any third party Intellectual Property Rights.You agree that Concept Car Credit will not be liable to you for any losses whatsoever (including but not limited to direct, indirect, consequential loss or damage, personal or business related losses) suffered by you, arising out of or related to the services provided by Concept Car Credit or your use or inability to correctly use this website.Concept Car Credit will not accept liability even if you advise us in advance of the possibility of such losses.

In the event that Concept Car Credit is held liable for any such losses, Concept Car Credit’s liability shall be limited to damages which shall in no event exceed £200 (without prejudice).

You agree to indemnify Concept Car Credit against any and all losses, claims, demands, liabilities, damages, costs and expenses arising from or relating to your use of the Website, your breach of these Terms and Conditions and your violation of any applicable laws, regulations or statute. This obligation shall remain in force even following the termination of this agreement.

Intellectual Property Rights

All Intellectual Property Rights within the Concept Car Credit website (including but not limited to its design, structure, narrative, graphics, expertise, software and its source code) are reserved to Concept Car Credit.

You are in no way permitted to (nor to attempt to) copy, publish, download, store, amend or change in any way the content of the Concept Car Credit Website for any purpose whatsoever, without the express written permission of Concept Car Credit Limited.


This website and its usage (including these terms and conditions and privacy and data protection policy) will be governed by English law. You may use the Website for personal use only. You may only use the website for legal purposes only. You must not deliberately distribute software viruses (and other such harmful software) and unsolicited email, nor gain (or attempt to gain) unauthorized access into any part of this website.

You must be over the age of 18 to use this website.

Concept Car Credit reserve the right to make amendments to and to correct errors and omissions to the information contained within this website.

Concept Car Credit do not charge fees for any arranged consumer credit services. However, we do receive commission payments from some finance providers, although not all. Should you wish to enter in to an agreement no payments we received are related to the amount of interest you pay. Any interest rate is set by the lender, not Concept Car Credit Ltd. The commission payments are either a percentage of the advance you borrow, alternatively a flat fee which is a fixed amount. If you wish to know what the Commission payable is please ask your salesperson at any time.

Distance selling In Dealership

The Consumer Contracts Regulations give customers who buy goods from a dealer (so most finance contracts are excluded) the right to change their mind and cancel an order within 14 days of receiving the vehicle. The customer’s decision to cancel can be done in writing or orally. So dealers should be aware that some customers may seek to cancel their order by telephone.

Cancellation should be put in writing, either by letter (a proof of postage certificate of recorded delivery would be wise), fax or email. A telephone call is not sufficient, unless both the customer and the dealer agree otherwise.

Privacy and Data Protection Policy

For each user of the website Concept Car Credit Limited is committed to protecting your privacy and ensuring compliance with the provisions of the Data Protection Act 1998.This Privacy and Data Protection Policy provides an explanation on how we may collect personal data about you and how we may use the collected information.

We only collect personal information that is necessary to assist us in the provision of our services to you.We collect personal data from you through the website and from third party sources, in order to consider your application for credit. In considering your application for credit we may disclose your information to credit reference and fraud prevention agencies, along with selected financial institutions and corporate bodies. These selected companies may vary from time to time at the absolute discretion of Concept Car CreditIn the provision of our services to you, we reserve the right to disclose information about you to third parties that may be required by law, or to safeguard and protect the operation of our systems, our customers (both potential and actual) and staff.We also reserve the right, should it be necessary, to disclose any relevant information to any prospective purchaser of Concept Car Credit Limited.We may also be required to provide statistics and other related information to third parties but ordinarily these statistics will not contain any such information which could be used to identify any individual customer or prospective customer.We will use our reasonable endeavours, including up to date industry procedures, to protect your private use of the website and to secure such use from unauthorized access, use, disclosure or loss or your personal data.We may contact you by post, by telephone or by electronic means (including email and sms text messaging) about services and/or products offered by us, by other Concept Car Credit group companies or third parties which we consider to be of interest to you.You have the right at any time to stop us from contacting you or giving your details to others for marketing purposes. If you wish us to stop, please confirm in writing to the Data Protection Compliance Officer, Concept Car Credit Limited, Unit E1 Europa Trading Estate, Stoneclough Road, Radcliffe, Gt Manchester, M26 1GG If you have any queries or are concerned in any way about how your personal data is being used please contact our Data Protection Compliance Officer.

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