Business terms and conditions (V 6 – 08/11/2024)

Skyfleet Limited is a credit broker, not a lender. We are regulated by the Financial Conduct Authority (The FCA). Skyfleet Limited is authorised & regulated by the Financial Conduct Authority for credit regulated activities.
Not all types of business undertaken is regulated by the FCA.

Firm reference number: 669102
To check the register, please visit the FAC website: www.fca.org.uk/register or alternatively, you can call them on 0845 606 9966.
Skyfleet Limited is a company registered in England and Wales with company number 03463255.
Registered & trading address: 3 High House Business Park, Kenardington, Kent, TN26 2LF.
VAT Number: 680053649.
Website: www.skyfleetcarleasing.co.uk
Telephone number: 01233 730260.
Email: sales@skyfleet.com

Website, Financial Promotions & Advertising:
Prices quoted do not constitute and offer -  please contact us for an official quotation, the mileages shown are for illustration purposes only.
Business Contract Hire excludes VAT.
Personal Contract Hire includes VAT at the prevailing rate.
All funding products are subject to a credit check & approval.
All prices detailed on the website are believed to be correct,. However, all prices are subject to revision at any time due to changes in the cost of lending and manufacturers pricing, as well as revisions to residual values, which directly impacts the monthly rentals.
To ensure quotation validity, please call 01233 730260 or email sales@skyfleet.com to request a written quotation & product details. E&OE.
Skyfleet Limited does not accept business from non-approved third-party brokers or introducers.
Skyfleet Limited is a broker, not a lender. We work with a selected panel of lenders.

Fees for our services & product commission:
A non-refundable administration fee is payable at the point of order for our services. This fee is a broker fee and represents the costs we need to cover in assisting you in arranging the finance contract, sourcing & delivery of your new vehicle. The fee is £299 + VAT for business customers and £299 inclusive of VAT for private individuals. The fee will be requested once the finance has been approved and a vehicle to your specification has been located. The fee can be paid by debit/credit card, or by BACS payment.
No additional fees are added for card payments.

Skyfleet Limited do does not charge any additional fees throughout the order process or duration of the finance contract, or at the end of the contract.

Skyfleet Limited will receive a commission payment or other benefits from our finance providers in respect of any hire agreements we arrange on behalf of our clients. The commission is paid at the point the finance contract is set live. Skyfleet Ltd may also receive additional remuneration, based upon how much business we introduce to each lender. The amount of commission we receive will increase the amount you pay to hire your vehicle. You will be notified of the amount of commission we receive before we accept any instruction to proceed, and you will need to give your written consent to the payment of the commission we will receive before we submit any application for finance.

Uses of Data:
A service of quality.
We place paramount importance on customer service and aim to meet your expectations on every occasion. To achieve this aim, we will need to request accurate personal information from you. Please help us to take prompt & efficient action by informing us of any changes to your personal circumstances as soon as they change.
We have a legal obligation under the Data Protection Act to ensure all information held & processed complies with the principles of the Act. The Act requires all personal information to be treated with the strictest confidence and to only be used for the purposes that it was supplied for. All personal information will only be held for a suitable period for the purposes for which it was supplied. Skyfleet Limited deem this to be for a period of up to 12 months from the point the finance contract has ended.

Confidentiality.
Skyfleet Limited will treat all supplied information as private & confidential. No information will be disclosed to anyone beyond the realms of the parties that require the information to transact the vehicle order & finance contract, other than in four exceptional cases, permitted by law, these are:
When we are legally compelled to do so.
Where there is a duty to the public to disclose.
Where disclosure is required to protect our interests.
(This will not be used as a reason for disclosing information about you to any third party for marketing purposes).
Where disclosure is made at your request or with your consent.
(This can either be because of an application for a product or by signing an explicit declaration as part of the application. Consent does not have to be written if the services provided is by telephone).
From time to time, we may employ agents or sub-contractors to process information on our behalf. The same duty of confidentiality will be applied and supported by written contracts.

Using Your Personal Information.
For the purposes of providing the products & services for which you have applied>
Your details will be used in providing the service you have applied for and for the ongoing administration of the products & services.

Keeping You Informed.
There may be times when we feel that a product or service that we offer may be of benefit to you. We may use information we obtain from you in this decision-making process. To make you aware of the products & services we offer, we may contact you by telephone, mail, email or any other reasonable method of communication. You are under no obligation to apply for any products & services we offer, but we will always provide you with all the information you will need in order to make an informed decision.
If you would prefer not to receive this information, you may do so by emailing slaes@skyfleet.com or by writing to us at 3 High House Business Park, Kenardington, Kent, TN26 2LF.

Research & Statistical Analysis.
We will use your details to assist us in understanding individuals needs & business trends to help us improve our products & services and to ensure they remain relevant, suitable and cost effective for our customers.

Protecting Our Customers.
We always follow a thorough qualification and fact finding process to ensure that any agreement that you enter into is suitable for your purposes, affordable and to ensure you do not enter into any agreement that would not be in your best interests. When you apply for credit, our lenders will often use a process know as Credit Scoring. This will help them to assess your application and to ensure that you are able to meet with the financial commitment of the contract comfortably, and to fulfill their duties as a responsible lender. Declined application based on this automated decision-making process can sometimes be reviewed manually upon request. Evidence of affordability, such as bank statements, pay-slips, tax return or additional accounting information for businesses may be required.
In consideration of a credit application, lenders will search your records at Credit Reference Agencies. They will add to your credit file details of their search and your application, this will be seen by other organisations that carry out a search on you, or your business. They will also add to your record with the Credit Reference Agencies details of any new agreement you enter with them, the payments or rentals that you make under it, any default or failure to keep to its terms and any change of address you fail to tell them about where a payment is overdue. It is important that you provide us with accurate information, particularly with your income & expenditure to ensure you can afford the financial commitment. The lenders will also check your details with fraud prevention agencies and if any false information is given, or if a fraud is suspected, this will be recorded & reported.

We and other organisations may use and search those records to:
Help make decisions about credit & credit related services for you and members of your household.
Trace debtors, recover debt, prevent fraud & manage your accounts.
Check your identity to prevent money laundering unless you furnish us with satisfactory proof of identity.
For these purposes, they or we may make further searches. The Credit Reference Agencies and Fraud Prevention Agencies will also use the records of statistical analysis about insurance & fraud.
If you have experienced problems obtaining credit, we recommend you request a copy of your credit file from the Credit Reference Agencies and review the information they hold for you. They will charge for this service and the addresses are noted below.


For Our Business Customers.
The Data Protection Act does not apply to companies in themselves, but it does extend to sole trader & partnerships. When an application is received from a business, information may be required for Company Directors, Partners or the Proprietor. This information may be shared with the Credit Reference Agencies.

The Details We Hold.
The uses of your personal information are covered by our notification under the Data Protection Act. Under the terms of the Act, you have the right to obtain a copy of the information we hold about you, following a written request to Skyfleet Limited.
We maintain regular contact with all our clients throughout the duration of their contracts and will review the data we hold with you to ensure it is maintained accurately. Please notify us of any changes to your circumstances or details at the earliest opportunity.

Credit Reference Agencies.
If you would like a copy of your credit file, please write to the following, or visit their websites for further guidance on how to obtain a copy of your credit file. There may be a charge for this service.

Experian Limited                                                                             Equifax Europe (UK) Limited                                                      TransUnion
Consumer Help Service                                                              Dept 1E                                                                                                     One Park Lane
PO Box 8000                                                                                      Po Box 3001                                                                                           Leeds          
Nottingham                                                                                          Glasgow                                                                                                     West Yorkshire
GN1 5GX                                                                                               G81 2DT                                                                                                    LS3 1LE
0333 321 4043 or 0800 014 2955                                     0344 481 0800 or 0800 013 8888                                         0330 024 7574
www.experian.co.uk                                                                   www.equifax.co.uk                                                                         www.transunion.co.uk

Sensitive Data.
Certain information collected may be classified as sensitive and we can only use this data where we have your explicit consent. This data relates to racial or ethnic origin, political opinions, religious beliefs, trade union membership, physical or mental health, sexual life, criminal proceedings and offences and will only be processed to provide the service required.

Our Sales & Order Process:

After submitting an enquiry via our website, or calling the office, a member of our Account Manager team will be allocated to you and will provide you with a written quotation, details on all products & services, as well as a customer journey map detailing the process we follow. Following a thorough fact finding & qualification process, we will provide you with details of lenders most appropriate to your requirements. To ascertain the suitability of products & services, we may need to discuss your personal circumstances and objectives, and it is important that you provide us with accurate information at all times. This will enable us to provide you with products & services that are suitable to your situation and needs.
Skyfleet Limited do not act impartially; we are an independent credit broker working with a selected panel of lenders that pay us commission that increases the cost of the products & services that we offer. Information on the lenders that we work with will be shared with you before you enter into any agreement. This panel of lenders may be able to assist you with financing your next vehicle requirements. We will not offer facilities from any lenders outside of our panel.

We do not offer recommendations of one product or services over another, nor do we favour any specific lender. We will run your requirements through all our funders to locate the most competitive rate available to us.
Please bear in mind there are other products & services in the marketplace that we do not offer, these might be equally or more suitable for your requirements. Please take the time to consider all your options before making any long-term financial commitment.

Please review the following Customer Journey Map which details our sales process:

Initial enquiry
You have found us and submitted an enquiry.
We will allocate you an experienced Account Manager.
An initial fact-finding discussion will determine your vehicle & contract requirements.
Your Account Manager will assess the market, as well as your circumstances & requirements and offer all suitable options that are available. The focus will be on your needs and saving money, locating the best possible value for money on suitable vehicles and specifications.

Quotation
Your Account Manager will send a detailed quote to you in writing, including any relevant information at that stage, such as delivery lead times, available stock etc. The quotation details our fees for our services.

Commission disclosure
Once you have agreed the terms of the finance contract and finalised the specification of your new vehicle, we will notify you of any commission or additional remuneration we will be paid and we will require your written consent before we can proceed to the next stage of the process.

Proposal
At this stage, if you choose to go ahead, you will be sent a proposal form, via secure link, for completion, along with details of the finance company we are proposing you too.

Approval & order
Once approved, we will send you our vehicle order for e-signature and we will order your vehicle.

Documents & updates
Once the order is confirmed, we will generate the finance agreements for signature and provide you with regular updates on delivery progress.

Delivery
Once your vehicle has arrived in stock, we will take your delivery instructions and arrange with our supplying dealer.
At this stage we will invite you to review the service we have given you so far.

Mid & end of contract contact
Your Account Manager will contact you at least once each year to check on the vehicle and contract. We will ask for mileage updates to ensure you avoid excess mileage charges, which we can do by looking into rescheduling mileage options.
Your Account Manager will be in touch towards the end of your contract to discuss options available and your future requirements. We will work with you to try to minimise any potential end of contract charges, such as damage recharges.

Complaints
We aim to provide you with a high standard of service at all times and it is extremely important to us that all complaints are dealt with in a timely manner and to the satisfaction of all parties involved.
In the event of any issue, either with the vehicle, or finance contract, please refer to our complaints policy, a copy of which accompanies this guide.
The policy is also available upon request at any time and also available on our website – www.skyfleetcarleasing.co.uk

Cancellation policy
Skyfleet Limited and its dealers agree not to charge any cancellation fees should you cancel your order prior to delivery. After delivery, any cancellation made during your finance agreement will attract an early termination charge as per your contractual obligations held within the terms and conditions of your finance agreement.