Legal

At Norgan Taylor Financial LTD, we take our legal and regulatory obligations seriously. As a commercial finance brokerage operating in the United Kingdom, we are committed to ensuring our services are transparent, compliant, and delivered in line with the highest industry standards. This page sets out key legal information regarding the use of our website, the nature of our brokerage services, and your rights and responsibilities as a client.

Regulated Status

Norgan Taylor Financial LTD is an independent commercial finance broker registered in the United Kingdom. Depending on the type of finance product being introduced, we may operate under regulated or unregulated activities. For example, certain types of asset finance or regulated bridging loans may fall under the scope of the Financial Conduct Authority (FCA). In such cases, our activities will be governed by FCA guidelines and applicable UK law.

We will always clarify whether a product is regulated or unregulated at the outset of your enquiry and ensure you are informed of any implications this may have for your protection as a borrower.

Our Role as a Broker

We are a finance broker, not a direct lender. This means we act as an intermediary between borrowers and a carefully selected panel of UK lenders, including banks, specialist commercial lenders, and private funders. While we introduce you to a lender and assist in the application process, we do not underwrite loans or make credit decisions.

We are not tied to any single lender, allowing us to offer impartial, whole-of-market advice. However, we may receive commission from lenders for successfully introduced business. You are entitled to request details of any commissions or fees we earn in connection with your application.

Client Responsibilities

As a client, you are responsible for providing accurate, complete, and timely information during the enquiry and application process. Lenders rely on this information to assess creditworthiness and make funding decisions. Any failure to disclose relevant financial data, credit issues, or liabilities may result in your application being declined or withdrawn.

It is also your responsibility to seek independent legal or financial advice before entering into any agreement. We do not provide legal, accounting, or tax advice and recommend you consult qualified professionals where appropriate.

Terms of Website Use

By accessing and using our website, you agree to comply with our terms of use. All content, tools, and materials published on this site are provided for general information only and do not constitute financial or investment advice.

While we strive to keep the website content accurate and up to date, we make no representations or warranties regarding the completeness, reliability, or suitability of the information. Any reliance you place on such information is strictly at your own risk.

Data Protection and Privacy

We handle all client data in accordance with the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018. Any information you submit through our website, enquiry forms, or communications is processed lawfully and transparently.

Our Privacy Policy outlines how we collect, store, and share data, including the lawful basis for processing and your rights under data protection legislation. We are registered with the Information Commissioner’s Office (ICO) under registration number [Insert ICO Number].

Credit Checks and Affordability

In order to process your finance application, some of our lenders may carry out credit checks on you and/or your business. These checks may appear on your credit file and could affect your credit rating. We will always inform you before any checks are performed and seek your consent where legally required.

Lenders may also assess the affordability of any proposed finance solution. It is essential that you review all loan terms and ensure that repayments are manageable within the context of your business’s financial position. Missed payments or defaults could have serious consequences, including repossession of secured assets or legal action.

Limitations of Liability

We aim to deliver our services to a high standard and with due care. However, to the fullest extent permitted by law, we shall not be held liable for any direct, indirect, incidental, or consequential losses arising from the use of our website or the arrangement of finance through third-party lenders.

Our liability is limited to the services we directly provide and does not extend to any act or omission of lenders, legal advisers, or other third parties involved in your finance arrangement.

Complaints and Dispute Resolution

We take customer service seriously and strive to resolve all issues promptly and professionally. If you are dissatisfied with any aspect of our service, please raise your concern by contacting our customer care team at info@norgantaylor.co.uk.

If your complaint relates to a regulated financial product and we are unable to resolve it to your satisfaction, you may have the right to refer the matter to the Financial Ombudsman Service (FOS). Full contact details and procedures are outlined in our Complaints Policy.

Applicable Law

This website and all services provided by Norgan Taylor Financial LTD are governed by the laws of England and Wales. Any disputes arising from or related to our legal terms, policies, or financial services shall be subject to the exclusive jurisdiction of the English courts.

Contact Us

For any legal or regulatory enquiries, or if you require further clarification on our terms and obligations, please contact us using the details below:

Email: info@norgantaylor.co.uk
Telephone: 0118 315 0188
Registered Office: Hamilton House, 44 Hamilton Terrace, Milford Haven, Pembrokeshire, SA73 3JP