BMW
MERCEDES-BENZ
VOLKSWAGENIt is Important that you read this document carefully before purchasing any regulated products
At Curated Performance Ltd, we believe in transparency when it comes to vehicle finance. Below you’ll find our Initial Disclosure Document (IDD), which explains who we are, the services we offer, how we are paid, and how you can raise any concerns. This document is part of our commitment to treating customers fairly and ensuring you have all the information you need to make informed decisions about vehicle finance.
Who are we?
Registered Company Name: Curated Performance Ltd
Registered Office Address: 11 Read Place, Bicester, Oxfordshire, OX25 2BH
Registered Company Number: 16093575
Trading Address: 11 Read Place, Bicester, Oxfordshire, OX25 2BH
Tel number: 01869 208827 | 07425 348479
Email: info@curated-performance.com
Who regulates us? The Financial Conduct Authority (FCA)
The Financial Conduct Authority (FCA) is the independent regulator of financial services. The FCA requires us to provide you with a document called an 'Initial Disclosure Document'. This document provides you with information about Curated Performance Ltd, the products we offer, the services we will provide, what we charge for our services, who regulates us, what to do if you have a complaint and details about the Financial Ombudsman Service.
Curated Performance Ltd is an Appointed Representative of Citrus Compliance. Citrus Compliance is a trading name of Andrew Smith which is authorised and regulated by the Financial Conduct Authority, Their FCA Number is 826675. Our Financial Conduct Authority Firm Reference Number is 1025308 which can be verified by searching the Financial Services Register at https://register.fca.org.uk or calling the FCA on: 0300 500 8082.
What Products do we offer?
As a licensed credit broker, we can introduce you to a limited number of lenders (a list is available on request) who may be able to provide funding for your purchase. This group of lenders have been carefully selected to provide us with a range of products and services which may be suitable for your vehicle purchase. All products are optional, and we will only introduce you to these lenders.
Other Finance Facilities
You may be able to obtain finance for your purchase from other lenders and you are encouraged to seek alternative quotations and details of their products by researching on the high street, in the media and online.
Do we Charge for our services?
Curated Performance Ltd do not charge fees for credit-brokering services, you will not make any payment to us for any introductions we make to finance providers regarding finance facilities to fund your purchase. All charges that you pay, including interest will be clearly shown in the finance agreement.
Commission Disclosure
We may receive a commission or other benefits from the finance provider for arranging finance for you but only if you decide to enter into an agreement with them. This may be a fixed amount or a percentage of the amount that you borrow. The interest rate and/or APR offered to you is not affected or influenced by the commission that we receive. The full commission paid will be disclosed in good time before entering into an agreement and will form apart of your finance approval and agreement pack, Acknowledgement and acceptance of this commission paid to Curated Performance Ltd is required before an agreement can be executed.
You can make a disclosure request at any time and by any means including over the phone, by email, in writing or at the dealership. You may contact us by phoning 01869 208827, emailing info@curated-performance.com, writing to Curated Performance Ltd, Commission Disclosure Request, 11 Read Place, Bicester, Oxfordshire, OX25 2BH if you are at the dealership, please speak with your Sales Executive.
Understanding our products and documents
If you have any health issues, difficulty in understanding information or any recent life events that could affect your ability to fully understand the information and documentation you are presented with or what your commitments are under the agreement, you should carefully consider the amount of time you require to review the documentation. You should also consider if it is advisable for you to have someone you know present to help you make your decision. Please advise us accordingly if this is the case and we can then proceed with your requirements in the most appropriate way.
You should make sure you have sufficient time to assess the information given to ensure the funding option offered is suitable for you and meets your requirements. You should seek further explanations, and we encourage you to ask questions to fully understand the documents you are given.
Affordability
You should assess whether you are able to make the monthly payments you are required to throughout the term of the agreement and ensure you are able to meet these obligations and other obligations you already have without suffering undue hardship. If you are aware of any future events that will affect your ability to meet these payments, you should ensure the provider is informed immediately. You should ensure any income and expenditure information and/or declarations are accurate and honest without intentionally omitting information to obtain products and/or services presented to you.
Your credit rating could be adversely affected if you do not make payments when due which could make it harder or more expensive for you to access finance facilities in the future.
Confidentiality and Data Protection
Your personal information will only be disclosed/provided to third party organisations for the purposes of providing, arranging, administering finance, compliance monitoring and regulated complaints handling this will be to our selected lenders, credit brokers and Cirtus compliance. The lenders may use your information to conduct an affordability and credit worthiness assessment and will do so using the consent given by you.
This may include sharing your information with credit reference agencies and other companies for use in credit decisions and fraud prevention. For full details of where your information will be sent, and the purpose for doing so, or to cancel your consent for the processing of your personal data, please contact us.
In cases where your initial application may be refused by the most suitable lender, your application may be referred to other lenders or credit brokers who may also share information with credit reference agencies in order to assess your application for finance.
Those lenders or credit brokers, will not use your personal information to provide you with promotional or marketing material, unless you opt-in to receive this material directly with them.
A copy of our privacy policy, which details how your information will be processed and your rights, is freely available upon request. To request this information please contact us on the details mentioned above.
What to do if you have a complaint?
If you have any concerns or complaints about the vehicle, please contact us as soon as possible using the details provided above. We take client feedback seriously and will work to resolve any issues promptly.
If you wish to make a complaint about the way you were sold finance, please contact our principal firm Citrus Compliance using the following methods:
Tel: 0800 688 9934
Email: admin@citruscompliance.co.uk
Writing: Citrus Compliance, Watermoor Point, Watermoor Road, Cirencester, GL7 1LF
To assist us with your complaint please provide as much information as possible, including your name, contact information and claim number. We will consider a complaint closed when we have made our final response to you. This does not prevent you from exercising any rights you may have to refer the matter to the Financial Ombudsman Service (FOS). We will co-operate fully with the Ombudsman in resolving any complaints made against us and agree to be bound by any awards made by the Ombudsman. The firm undertakes to pay promptly any fees levied by the Ombudsman.
Contact:
The Financial Ombudsman Service,
Exchange Tower,
London E14 9SR
Tel: 0800 023 4567 (free for most people ringing from a fixed line) or 0300 123 9123 (cheaper for those calling using a mobile) or 020 7964 0500 (if calling from abroad)
Email: complaint.info@financial-ombudsman.org.uk
Website: www.financial-ombudsman.org.uk If you have any questions or require further clarification, please do not hesitate to contact us.
At Curated Performance Ltd, we believe in transparency when it comes to vehicle finance. Below you’ll find our Initial Disclosure Document (IDD), which explains who we are, the services we offer, how we are paid, and how you can raise any concerns. This document is part of our commitment to treating customers fairly and ensuring you have all the information you need to make informed decisions about vehicle finance.
Who are we?
Registered Company Name: Curated Performance Ltd
Registered Office Address: 11 Read Place, Bicester, Oxfordshire, OX25 2BH
Registered Company Number: 16093575
Trading Address: 11 Read Place, Bicester, Oxfordshire, OX25 2BH
Tel number: 01869 208827 | 07425 348479
Email: info@curated-performance.com
Who regulates us? The Financial Conduct Authority (FCA)
The Financial Conduct Authority (FCA) is the independent regulator of financial services. The FCA requires us to provide you with a document called an 'Initial Disclosure Document'. This document provides you with information about Curated Performance Ltd, the products we offer, the services we will provide, what we charge for our services, who regulates us, what to do if you have a complaint and details about the Financial Ombudsman Service.
Curated Performance Ltd is an Appointed Representative of Citrus Compliance. Citrus Compliance is a trading name of Andrew Smith which is authorised and regulated by the Financial Conduct Authority, Their FCA Number is 826675. Our Financial Conduct Authority Firm Reference Number is 1025308 which can be verified by searching the Financial Services Register at https://register.fca.org.uk or calling the FCA on: 0300 500 8082.
What Products do we offer?
As a licensed credit broker, we can introduce you to a limited number of lenders (a list is available on request) who may be able to provide funding for your purchase. This group of lenders have been carefully selected to provide us with a range of products and services which may be suitable for your vehicle purchase. All products are optional, and we will only introduce you to these lenders.
Other Finance Facilities
You may be able to obtain finance for your purchase from other lenders and you are encouraged to seek alternative quotations and details of their products by researching on the high street, in the media and online.
Do we Charge for our services?
Curated Performance Ltd do not charge fees for credit-brokering services, you will not make any payment to us for any introductions we make to finance providers regarding finance facilities to fund your purchase. All charges that you pay, including interest will be clearly shown in the finance agreement.
Commission Disclosure
We may receive a commission or other benefits from the finance provider for arranging finance for you but only if you decide to enter into an agreement with them. This may be a fixed amount or a percentage of the amount that you borrow. The interest rate and/or APR offered to you is not affected or influenced by the commission that we receive. The full commission paid will be disclosed in good time before entering into an agreement and will form apart of your finance approval and agreement pack, Acknowledgement and acceptance of this commission paid to Curated Performance Ltd is required before an agreement can be executed.
You can make a disclosure request at any time and by any means including over the phone, by email, in writing or at the dealership. You may contact us by phoning 01869 208827, emailing info@curated-performance.com, writing to Curated Performance Ltd, Commission Disclosure Request, 11 Read Place, Bicester, Oxfordshire, OX25 2BH if you are at the dealership, please speak with your Sales Executive.
Understanding our products and documents
If you have any health issues, difficulty in understanding information or any recent life events that could affect your ability to fully understand the information and documentation you are presented with or what your commitments are under the agreement, you should carefully consider the amount of time you require to review the documentation. You should also consider if it is advisable for you to have someone you know present to help you make your decision. Please advise us accordingly if this is the case and we can then proceed with your requirements in the most appropriate way.
You should make sure you have sufficient time to assess the information given to ensure the funding option offered is suitable for you and meets your requirements. You should seek further explanations, and we encourage you to ask questions to fully understand the documents you are given.
Affordability
You should assess whether you are able to make the monthly payments you are required to throughout the term of the agreement and ensure you are able to meet these obligations and other obligations you already have without suffering undue hardship. If you are aware of any future events that will affect your ability to meet these payments, you should ensure the provider is informed immediately. You should ensure any income and expenditure information and/or declarations are accurate and honest without intentionally omitting information to obtain products and/or services presented to you.
Your credit rating could be adversely affected if you do not make payments when due which could make it harder or more expensive for you to access finance facilities in the future.
Confidentiality and Data Protection
Your personal information will only be disclosed/provided to third party organisations for the purposes of providing, arranging, administering finance, compliance monitoring and regulated complaints handling this will be to our selected lenders, credit brokers and Cirtus compliance. The lenders may use your information to conduct an affordability and credit worthiness assessment and will do so using the consent given by you.
This may include sharing your information with credit reference agencies and other companies for use in credit decisions and fraud prevention. For full details of where your information will be sent, and the purpose for doing so, or to cancel your consent for the processing of your personal data, please contact us.
In cases where your initial application may be refused by the most suitable lender, your application may be referred to other lenders or credit brokers who may also share information with credit reference agencies in order to assess your application for finance.
Those lenders or credit brokers, will not use your personal information to provide you with promotional or marketing material, unless you opt-in to receive this material directly with them.
A copy of our privacy policy, which details how your information will be processed and your rights, is freely available upon request. To request this information please contact us on the details mentioned above.
What to do if you have a complaint?
If you have any concerns or complaints about the vehicle, please contact us as soon as possible using the details provided above. We take client feedback seriously and will work to resolve any issues promptly.
If you wish to make a complaint about the way you were sold finance, please contact our principal firm Citrus Compliance using the following methods:
Tel: 0800 688 9934
Email: admin@citruscompliance.co.uk
Writing: Citrus Compliance, Watermoor Point, Watermoor Road, Cirencester, GL7 1LF
To assist us with your complaint please provide as much information as possible, including your name, contact information and claim number. We will consider a complaint closed when we have made our final response to you. This does not prevent you from exercising any rights you may have to refer the matter to the Financial Ombudsman Service (FOS). We will co-operate fully with the Ombudsman in resolving any complaints made against us and agree to be bound by any awards made by the Ombudsman. The firm undertakes to pay promptly any fees levied by the Ombudsman.
Contact:
The Financial Ombudsman Service,
Exchange Tower,
London E14 9SR
Tel: 0800 023 4567 (free for most people ringing from a fixed line) or 0300 123 9123 (cheaper for those calling using a mobile) or 020 7964 0500 (if calling from abroad)
Email: complaint.info@financial-ombudsman.org.uk
Website: www.financial-ombudsman.org.uk If you have any questions or require further clarification, please do not hesitate to contact us.