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BUSINESS FINANCE REFERRAL DISCLAIMER UNREGULATED ACTIVITIES ONLY IMPORTANT NOTICE: This referral service operates exclusively within UNREGULATED business finance activities as defined by the Financial Conduct Authority (FCA). We do not provide referrals for any activities that require FCA authorisation. FCA REGULATORY DEFINITIONS Unregulated Business Finance Activities Our referral service is limited to introductions for the following UNREGULATED activities only: 1. High-Value Business Loans •Business loans to limited companies •Commercial lending for business purposes •Working capital facilities over the regulatory threshold 2. Commercial Property Finance •Bridging loans secured against commercial properties •Buy-to-let investment property finance •Development finance for commercial projects •Commercial mortgages where the property is not the borrower's main residence 3. Business-to-Business Finance •Invoice factoring and discounting •Asset finance for business equipment •Trade finance and letters of credit •Commercial leasing arrangements 4. Company Borrowers Only •Loans to limited companies for commercial purposes •Corporate lending arrangements •Business finance where no personal guarantees are required from individual directors EXCLUDED REGULATED ACTIVITIES We DO NOT provide referrals for: •Consumer credit activities (loans under £25,000 to individuals or sole traders) •Residential mortgages or bridging loans secured against main residences •Credit broking for regulated credit products •Hire purchase agreements for consumers •Any lending requiring FCA authorisation NATURE OF OUR SERVICE Role: We act solely as an introducer connecting businesses with finance providers for unregulated activities. We DO NOT: •Provide financial advice •Recommend specific products or lenders •Arrange or facilitate regulated credit •Act as a credit broker for regulated activities •Provide legal, accounting, or professional advice LIMITATION OF LIABILITY •No Responsibility for Outcomes •We accept NO LIABILITY for the actions, decisions, or conduct of third-party finance providers •We are NOT RESPONSIBLE for loan approvals, rejections, or terms offered •We do NOT GUARANTEE the suitability of any finance provider or product No Fiduciary Relationship •Our service creates NO FIDUCIARY RELATIONSHIP with clients •We owe NO DUTY OF CARE regarding financial decisions •Clients must conduct their own due diligence Third-Party Actions •We are NOT LIABLE for any losses, damages, or costs arising from third-party actions •Finance providers are independent businesses with their own terms and conditions •All contractual relationships are between the client and the finance provider CLIENT RESPONSIBILITIES Due Diligence: Clients must independently verify: •The legitimacy and credentials of finance providers •The terms and conditions of any finance agreements •The suitability of finance products for their circumstances Professional Advice: Clients should seek independent professional advice from: •Qualified accountants •Legal advisors •Financial advisors (where appropriate) Regulatory Compliance: Clients must ensure compliance with all applicable regulations and laws. COMMISSION DISCLOSURE We may receive introduction fees or commissions from finance providers. This does not affect our commitment to introducing clients only to providers of unregulated finance products. REGULATORY STATUS Important: We are NOT AUTHORISED by the Financial Conduct Authority as our activities are limited to unregulated business finance introductions only. If you require regulated financial services, you must contact an FCA-authorised firm directly. LIMITATION OF LIABILITY CLAUSE TO THE MAXIMUM EXTENT PERMITTED BY LAW: •Our total liability is limited to the amount of any fees paid to us •We exclude all liability for indirect, consequential, or special damages •We exclude all warranties, whether express or implied •This disclaimer shall be governed by English law ACCEPTANCE By using our referral service, you acknowledge that you have read, understood, and agree to be bound by this disclaimer. You confirm that you are seeking unregulated business finance only and understand the limitations of our service. CONTACT INFORMATION If you have any questions about the regulatory status of your finance requirements, please contact us before proceeding with any referral. This disclaimer is effective from July 12th 2025 and may be updated from time to time. Please check for the latest version before using our services.

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Content Accuracy We strive to provide accurate and up-to-date information regarding tenders, funding opportunities, and digital products. However, we do not guarantee the accuracy, reliability, or completeness of any information on this website. No Professional Advice The information provided on this website is for informational purposes only and does not constitute legal, financial, or professional advice. We recommend seeking professional guidance for specific advice related to your business.

No Warranties This website and its contents are provided "as is" without any representations or warranties, express or implied. We make no representations or warranties about the accuracy or completeness of the information available on the site. Limitation of Liability We are not liable for any damages, including but not limited to direct, indirect, incidental, consequential, or punitive damages arising from the use of this website or reliance on its content. Third-Party Links We may provide links to third-party websites. We are not responsible for the content or availability of those external sites and do not endorse them.

No Guarantee of Success We do not guarantee that following the information on this website or using the funding directory will result in successful tender applications, funding acquisition, or business success. Results depend on various factors beyond our control. Not Affiliated with Regulatory Bodies While we may provide information on care tenders and recruitment agency tenders, we are not affiliated with any UK regulatory bodies, including the Care Quality Commission (CQC). Users must verify regulatory compliance on their own. Content for Informational Purposes All content, including blog posts, guides, and digital products, is for informational purposes only. We do not guarantee the accuracy, legality, or applicability of any content in specific business contexts.

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