Terms & Conditions.

Halal Car Finance — Terms & Conditions

Please read these Terms and Conditions carefully before using this website or applying for finance through us. By using our website or submitting an application, you confirm that you accept these Terms and agree to comply with them. If you do not accept these Terms, please do not use this website or our service.

Company details

CarFinanced Ltd t/a Halal Car Finance is a company registered in England under company number 13109658, with its registered office at The Charter Building, Charter Place, Uxbridge, UB8 1JG.

CarFinanced Ltd t/a Halal Car Finance is authorised and regulated by the Financial Conduct Authority under reference number 1014460. We act as a credit broker and not a lender. VAT registration number GB479628529. Registered with the Information Commissioner’s Office under registration number ZA847951.

You can contact us on 020 3917 4707 or at info@halalcarfinance.co.uk. Our opening hours are Monday to Friday 9am to 7pm, Saturday 9am to 6pm and Sunday 10am to 5pm.

1. About us and these Terms

1.1 This website, halalcarfinance.co.uk (the “Site”), is operated by CarFinanced Ltd t/a Halal Car Finance (“we”, “us”, “our”).

1.2 We are a credit broker, not a lender. We help you find and apply for Sharia-compliant car finance by introducing you to finance providers from our panel. We do not provide the finance ourselves.

1.3 These Terms govern your use of the Site and the way in which we provide our services to you. Other terms also apply to your relationship with us, including our Privacy Policy, our Cookie Policy and our Complaints Policy, and you should read those alongside these Terms.

1.4 If you go on to take finance, that finance is provided by the finance provider under a separate, legally binding agreement between you and them, with its own terms specific to your finance. Those finance terms are separate from these website Terms, and they govern the finance itself.

1.5 We may change these Terms from time to time. Any change takes effect when the updated version is posted on the Site, and the “last updated” date above shows when this happened. Please check this page from time to time so you are aware of any changes.

2. The finance we help you arrange

2.1 We introduce you to providers of Sharia-compliant vehicle finance based on the Islamic finance principle of Ijara wa Iqtina, which means a lease that leads to ownership. This finance does not involve interest at any stage.

2.2 In outline, the arrangement works as follows:

• You choose your vehicle. You select the vehicle you want from an approved dealer.
• The finance provider buys it. If your application is approved, the finance provider purchases the vehicle and owns it.
• You lease it from the provider. You pay a fixed rental to use the vehicle over an agreed term. The rental is agreed and disclosed to you in full before you sign.
• You become the owner. At the end of the term, provided you have met your obligations under the agreement, ownership of the vehicle transfers to you under a separate sale and transfer agreement.

2.3 Instead of interest, you pay an agreed rental-profit charge to the finance provider. For ease of comparison, and because the Financial Conduct Authority requires finance to be shown in a way that customers can compare, the total charges may also be expressed as an APR-equivalent. The APR-equivalent is a comparison measure only. It is not interest, and no interest is charged at any stage.

2.4 Under UK law, Ijara wa Iqtina is recognised as a form of hire purchase, but the structure underneath is different. There is no interest, the finance is tied to a real vehicle that the finance provider owns, and the transfer of ownership is carried out through a separate agreement.

2.5 Any figures shown on the Site, including through our finance calculator, are illustrative estimates only. They are not an offer of finance and do not form part of any agreement. Your actual rental and terms depend on your circumstances and on the finance provider, and are confirmed only after assessment.

2.6 The finance we help arrange is open to applicants of any faith who meet the eligibility and affordability criteria.

3. Our service

3.1 We look to find a suitable rate from our panel of finance providers and will offer you the best deal that you are eligible for.

3.2 We do not provide financial advice or personal recommendations. We may ask you questions to help identify suitable finance, but the decision about whether a finance product is right for you is yours to make.

3.3 Depending on the supply route of your vehicle, we may charge you a separate administration fee. Where a fee applies, we will tell you the amount before you proceed.

3.4 We will receive a commission from the finance provider when a finance agreement is successfully arranged. This commission may be a fixed fee or a fixed percentage of the amount financed. It does not affect the amount you pay. If you would like to know more about the commission we would receive in relation to your agreement, please ask us and we will be happy to tell you before your agreement is finalised.

4. Eligibility

4.1 To apply, you must be at least 18 years old, a resident of the United Kingdom, and able to enter into a legally binding agreement.

4.2 All finance is subject to status, affordability and the finance provider’s assessment criteria. Meeting the basic eligibility requirements does not guarantee that finance will be offered or approved.

5. Applying for finance

5.1 When you apply or check your eligibility, an initial assessment is carried out. The initial eligibility check uses a soft search, which does not affect your credit score and leaves no visible footprint on your credit file for other lenders to see.

5.2 A full credit search, which may be recorded on your credit file, is carried out only if you choose to proceed with an application. We will make this clear before that stage.

5.3 You are responsible for deciding whether the finance is right for you and whether you can afford it. If you are unsure, you should seek independent advice before proceeding.

5.4 Any decision to proceed with finance is yours, and we do not guarantee that the finance offered will meet your requirements.

6. What you pay

6.1 You pay the rental amounts set out in your finance agreement with the finance provider. No interest is charged. Your agreement sets out in full what you pay, when you pay it, and any charges that may apply, and this is made clear to you before you sign.

6.2 Any fee we charge for our service will be disclosed to you in full and in advance, as set out in section 3.

6.3 If you miss a rental payment, the terms of your finance agreement with the finance provider apply. Missed payments may affect your credit file and your ability to obtain finance in the future. If you are worried about payments, please contact the finance provider, or contact us and we will help point you in the right direction.

7. The vehicle and your responsibilities

7.1 Because the finance is a lease of a vehicle that the finance provider owns until ownership transfers to you, your finance agreement will set out your responsibilities while you are using the vehicle. These are likely to include using the vehicle properly, keeping it in good condition and maintaining it, and holding appropriate motor insurance.

7.2 Your finance agreement is the definitive statement of your responsibilities in relation to the vehicle. This section is a general summary only.

8. Your information and data protection

8.1 When you contact us or use our service, you provide personal information. We handle your personal information in accordance with our Privacy Policy, which explains what we collect, how we use it, and your rights.

8.2 As part of assessing an application, we and the finance providers we work with may use the information you provide, together with information from credit reference and fraud prevention agencies, to make decisions about finance and to prevent fraud and money laundering. Our Privacy Policy explains this in more detail.

8.3 We may contact you about your application and your agreement. We will only send you marketing where we are permitted to do so, and you can opt out at any time.

9. Cookies

9.1 We use cookies and similar technologies on the Site. We explain what we use and how you can manage your preferences in our Cookie Policy.

10. Intellectual property

10.1 We own or are licensed to use all intellectual property rights in the Site and in the material published on it, including text, graphics, logos, trade marks, designs and layout. These rights are protected.

10.2 You may use the Site and its content for your own personal, non-commercial use only. You may not copy, reproduce, republish, download, transmit, distribute, or otherwise use any content on the Site for any other purpose without our prior written permission.

11. Linking to the Site

11.1 You may link to our home page, provided you do so in a way that is fair and lawful and does not damage our reputation or take advantage of it. You must not suggest any form of association, approval or endorsement by us where none exists.

11.2 You must not frame the Site on any other website, and we may withdraw linking permission at any time.

12. Acceptable use

12.1 You may use the Site only for lawful purposes. You must not use the Site or our service for any unlawful, fraudulent or harmful purpose, and by using the Site you confirm that the information you give us is true, accurate and complete.

12.2 You must not misuse the Site by knowingly introducing viruses or other harmful material, attempting to gain unauthorised access to the Site or its servers, or using automated systems such as robots or scrapers to access or copy content.

13. Availability of the Site

13.1 We do not guarantee that the Site will always be available or that it will be uninterrupted, timely, secure or error-free. We may suspend, withdraw or restrict all or part of the Site for business or operational reasons, and we will try to give reasonable notice where we can.

14. Our liability

14.1 Nothing in these Terms excludes or limits our liability where it would be unlawful to do so, including liability for death or personal injury caused by our negligence, or for fraud.

14.2 We provide the Site “as is” and, to the extent permitted by law, we exclude all implied conditions, warranties and other terms that are not expressly set out in these Terms.

14.3 As a credit broker, we are responsible for the introduction and broking service we provide to you. The finance itself is provided by the finance provider under your agreement with them, and the finance provider is responsible for that finance and the vehicle supplied under it.

14.4 Subject to clause 14.1, we will not be liable for any loss of income, revenue, business, profits, savings, data or goodwill, or for any indirect or consequential loss, arising from your use of the Site.

14.5 This section does not affect your statutory rights as a consumer, and it does not affect your rights under any finance agreement you enter into.

15. Complaints

15.1 If you are unhappy with any aspect of our service, please contact us so we can put things right. Our Complaints Policy explains how to complain and how we handle complaints.

15.2 If we cannot resolve your complaint to your satisfaction, you may be able to refer it to the Financial Ombudsman Service. We will tell you how to do this where it applies.

16. Governing law

16.1 These Terms, their subject matter and their formation are governed by English law, and you and we both agree to the exclusive jurisdiction of the courts of England and Wales.

17. Contact us

17.1 If you have any questions about these Terms, please contact us at info@halalcarfinance.co.uk or 020 3917 4707, or write to us at CarFinanced Ltd t/a Halal Car Finance, The Charter Building, Charter Place, Uxbridge, UB8 1JG.