Terms of Business

1. Introduction

   By engaging with Redie Capital Ltd, you agree to the following Terms of Business, which govern our relationship and the services we provide.

2. Definitions

• Client: The individual or entity engaging our services.

• Services: The financial consulting and arrangement services provided by Redie Capital Ltd in relation to specialist lending.

• Exclusivity: The Client’s commitment not to engage any other service for the identified facility during the engagement period.

• Confidential Information: Any non-public information disclosed by either party that is designated as confidential or should reasonably be considered confidential.

3. Engagement of Services

   By signing this agreement, the Client appoints Redie Capital Ltd as their exclusive finance provider for arranging lending facilities secured against assets they may own now or in the future.

4. Exclusivity

   The Client agrees to grant Redie Capital Ltd exclusivity in arranging the desired financial facilities throughout the duration of this agreement. The Client shall not engage or seek alternative services for the same facilities during this period.

5. Fees and Charges

• Non-Refundable Fees: The Client agrees to pay Redie Capital Ltd the fees outlined in our

  Fee Schedule. All fees are non-refundable unless expressly stated otherwise.

• Loan Processing Costs: If a loan does not proceed after acceptance of the loan agreement or at the instruction of solicitors, the Client will be liable for the Lender’s Acceptance Fee and Solicitor’s costs.

6. Termination

   Either party may terminate this agreement with written notice. All outstanding fees remain payable upon termination.

7. Governing Law

   This agreement shall be governed by the laws of England, Scotland, and Wales.

8. Acceptance of Terms

   By engaging our services, the Client acknowledges having read, understood, and agreed to these Terms of Business.

Redie Capital Ltd

Registered Address: 20 Wenlock Road, London, N1 7GU Company Registration Number: 10926686

Treating Customers Fairly (TCF) Policy & Procedure

1. Introduction

   This policy ensures clients are treated fairly at all stages of the brokering process, aligning with Financial Conduct Authority (FCA) guidelines and regulatory standards.

2. Purpose

   The purpose is to:

• Ensure fair treatment and ethical service to customers.

• Foster a culture of prioritising fair customer outcomes.

• Maintain compliance with industry regulations.

• Promote transparency, integrity, and professionalism.

3. Scope

   This policy applies to all employees, brokers, and stakeholders involved in customer interactions and service delivery.

4. Key Principles

   We are committed to:

• Clear Communication: Providing accurate, understandable information.

• Product Suitability: Ensuring our products and services meet customer needs.

• No Unfair Barriers: Making our products and services accessible.

• Complaint Handling: Addressing complaints efficiently and fairly.

• Ongoing Support: Ensuring clients understand their rights and responsibilities.

5. Customer Interaction Guidelines

Employees should:

• Provide clear, honest, and non-misleading information.

• Recommend services based on client needs, preferences, and risk tolerance.

• Inform clients of all costs, terms, and conditions before agreeing to services.

• Offer additional support to vulnerable customers.

6. Monitoring and Reporting

• Customer feedback is regularly analyzed for improvements.

• Key performance indicators (KPIs) are used to assess fair treatment.

• Unfair treatment concerns should be reported to the Compliance Officer.

7. Complaint Handling

• Clients can submit complaints through various channels (email, phone, online forms).

• Complaints will be acknowledged within five business days, with a reference number assigned for tracking.

• The investigation will be fair and transparent.

• If unsatisfied, clients can escalate their complaint to higher management or an external authority.

8. Training and Awareness

• Regular training on TCF principles is provided to all employees.

• Training includes customer rights, transparency, and compliance.

9. Consequences of Non-Compliance

• Non-compliance may result in disciplinary action, including termination of employment or regulatory penalties.

• Non-compliance may also harm the company’s reputation and customer trust.

10. Review and Updates

This policy will be reviewed periodically to reflect changes in regulations and best practices.

Data Protection Policy & Privacy Notice

1. Introduction

   This policy outlines how we collect, store, and protect client data in compliance with data privacy laws, including GDPR and other regulations.

2. Data Collection

   We collect data through:

• Direct interactions (forms, emails, phone calls).

• Automated technologies (cookies, tracking tools).

• Third-party sources (partners, public records).

3. Types of Data Collected

We may collect:

• Personal Identification Data (e.g., name, contact information).

• Financial Data (e.g., payment details, transactions).

• Technical Data (e.g., IP address, browser type).

• Communication Data (e.g., emails, messages).

4. Purpose of Data Collection

Client data is collected for:

• Providing requested services.

• Managing customer relationships.

• Legal and regulatory compliance.

• Marketing, research, and business analysis.

• Enhancing security and fraud prevention.

5. Data Security

We implement strong security measures, including:

• Encryption of sensitive data.

• Secure storage systems with restricted access.

• Regular security audits and employee training.

6. Data Sharing

We do not sell client data but may share it with:

• Service providers assisting with business operations.

• Regulatory authorities when required by law.

• Business partners with client consent.

7. Data Retention

   Client data is retained only as long as necessary. Once the retention period expires, it is securely deleted or anonymised.

8. Client Rights

   Clients have the right to:

• Access, correct, or update their data.

• Withdraw consent for data processing.

• Request data deletion (where legally permissible).

• Lodge a complaint with data protection authorities.

9. Contact Information

   For any inquiries regarding data protection, contact:
   Redie Capital Ltd, Harry Esqulant, harry@rediecapital.co.uk

10. Policy Updates

    This policy may be updated periodically. Clients will be notified of significant updates.

Complaint Policy & Register

1. Purpose

   This policy ensures a clear and transparent process for handling and recording client complaints, fostering continuous improvement and client trust.

2. Scope

   This applies to all clients and stakeholders wishing to raise complaints.

3. Principles

   We are committed to:

• Accessibility: Easy complaint submission via multiple channels.

• Fairness: Impartial and objective handling of complaints.

• Confidentiality: Protecting personal information.

• Timeliness: Addressing complaints within a reasonable timeframe.

• Continuous Improvement: Reviewing complaints to improve services.

4. Complaint Process

• Step 1: Submission via email or phone.

• Step 2: Acknowledgement within five business days.

• Step 3: Investigation by a designated complaints officer.

• Step 4: Resolution within a set timeframe, with written response provided.

• Step 5: Closure and documentation in the Complaints Register.

5. Complaints Register

The Complaints Register records:

• Reference number, date, complainant’s details (if provided), nature of the complaint, actions taken, resolution status, and date of closure.

6. Monitoring & Review

   Complaints will be analysed periodically to identify trends and improvements. This policy will be reviewed annually.

7. Contact Information

   For inquiries, contact:
   Redie Capital Ltd, 20-22 Wenlock Street, London, N1 7GU 07377213181
   harry@rediecapital.co.uk
   www.rediecapital.co.uk