Terms & Conditions

We’re Jurni Limited, a company registered in England (registration number 07216831) and our registered office and trading address is at Tamarisk House, North Leigh Business Park, North Leigh, Witney, Oxfordshire OX29 6SW. You can contact us by writing to us, by calling us on 0333 091 8560 or by emailing hello@jurnileasing.co.uk

We’re authorised and regulated by the Financial Conduct Authority for consumer credit activities and insurance distribution. Our Firm Reference Number is 631448. You can check this information at www.fca.org.uk

We’re registered with the Information Commissioners Office for the processing of data under The Data Protection (Charges and Information) Regulations 2018. Our Data Protection registration number is Z264186X. You can check this information at www.ico.org.uk

We’re a Leasing Broker member of the British Vehicle Rental and Leasing Association and abide by their Code of Conduct. For further information visit www.bvrla.co.uk 

We are a Credit Broker. We are not a Funder or a Lender.

What we do

Looking for a new vehicle? We’re a business who can assist you on that Jurni as we can supply Any Vehicle, Anywhere, Anytime, Anyhow!  As an independent credit broker we work with our select panel of leading funders who offer a range of different finance products. Everyone’s path is different and you can count on us to give you clear information about what’s available so that you can choose the product that’s right for you. Once you’ve selected the finance plan, we’ll provide you with quotes and when you’re ready to start the Jurni to your new vehicle, we’ll guide you through the application process with the finance company who we’ll introduce you to. When they say ‘yes’, we’ll source the vehicle for you, arrange for the finance document to be issued to you and when your vehicle is ready, we’ll arrange delivery to your door. We make things easy-peasy, and with busy lives that’s just what we all need! With a culture of putting our customer needs first, you can trust us to help you on the Jurni to drive your dream vehicle!

Our Website Terms and Conditions

Let’s start by talking about our website. Firstly, the information, service and products on our site are intended for use by people who live in the UK so if you’ve found us and live elsewhere, we’re sorry but we can’t help you.

Our site is designed to be accessed through our principal product home pages leading to other pages which may be of interest to you. If you land on our site through individual pages directly,  you might not see important information which is relevant to give you a full understanding of our products and services. It’s important that you view our pages which describe our products and services in detail as they’ll give you legal or regulatory information and should be read in conjunction with the relevant site pages.

We’ve taken care to ensure the accuracy and completeness of the information on our site but we give no warranty and make no representation regarding the accuracy or completeness of the content of this website. That means that we won’t accept liability for any losses or damages (whether direct, indirect, special, consequential or otherwise) arising out of errors or omissions contained in this website. We do our best to make sure that the site is always available for you to view on an uninterrupted basis, but if the site goes down or is unavailable for any reason, we won’t accept liability for any resultant losses or damages. And we won’t accept in respect of losses or damages arising out of changes made to the content by unauthorised third parties. Access to and use of this website is at your own risk and we don’t  warrant that the use of this website or any material downloaded from it will not cause damage to any property, including but not limited to loss of data or computer virus infection.

Nothing in these terms and conditions shall exclude or limit our duties and liabilities under any applicable legislation or any conduct of business rules which we are bound to comply with. Further, nothing in these terms and conditions shall attempt to exclude liability for death or personal injury or for fraudulent misrepresentation.

This website contains links to other sites which are hosted and maintained by third parties and we have no control over the content or security of any such site. If you link to such sites you do so at your own risk, we make no representations regarding their content and we can’t be liable for any loss or damage which may arise from the use of such third-party websites.

Pricing

We’ll always try to ensure that the pricing information on our website is accurate, but sometimes  an error may occur or pricing changes, and vehicle pricing, finance examples and other goods and services may be mispriced or misrepresented. If we discover an error we will, at our discretion, either contact you and ask you if you wish to cancel or continue with the order at the amended price; or notify you that we have cancelled your order. We won’t be obliged to supply vehicles or other goods and services at the incorrect price.

If we have a promotion on a vehicle or a service, they may only be valid for the specified period or may be subject to availability. We do reserve the right to adjust prices, offers, finance figures, goods, services and the specifications of vehicles and other goods on the website at our discretion at any time before (and after) we accept your order.

All prices on our website are in UK Pounds Sterling and will usually include delivery to an address on the UK mainland. Sometimes it may be necessary for us to levy an additional charge for deliveries in excess of a certain mileage from the dealer who is supplying the vehicle. If that’s the case, we’ll let you know before you proceed with an order. The pricing displayed on our site is exclusive of vat for business customers and inclusive of vat for private individuals.  

Specification and Images of Vehicles

We use an independent industry leading data provider to supply information about the specification of vehicles displayed on our website. Whilst every effort is made to verify and ensure the accuracy of the information that they provide, it should only be used as a guide.

When thinking about your journeys, our site and those of the vehicle manufacturers will show miles per gallon for petrol and diesel vehicles or miles per full charge for electric vehicles according to the WLTP test results. The WLTP test range is not the same as you’d expect in real world driving so you should bear in mind that it’s more than likely to be less. If range is important to you please make sure that you investigate how this is impacted especially by the trips that you do, weather conditions and your driving style.

The images that we use on our site of the vehicle, model, derivative and accessories are for illustration only and may not be exact. Exterior and interior colours look different in the flesh so are an indication only. It’s important to check this independently to satisfy yourself before placing an order.

Finance Quotations

We will supply you with a quotation which is based on the information and from our panel of finance providers which include the supply of the vehicle plus any relevant taxes and vat and the funder’s cost of funds at that time. It’s important to note that if you proceed with a finance proposal, the funder does have the right to decline the application or to change the quotation.  Following acceptance of a proposal, the funder retains the right to withdraw their offer of finance and/or may increase the cost of the finance due to changes in the cost of funds or for the supply of the vehicle.

Vehicle Supply Quotations

When we supply you with a quotation it’s based on the manufacturer’s retail pricing including any optional extras or accessories, delivery charge, value-added tax, road fund licence and first registration fee as confirmed by our vehicle supplier at that time. Prices may increase from the point of confirmed order to the point of delivery. We can’t be held responsible for any change in price but we will let you know as soon as possible if this occurs and provide you with a revised quote. We’ll always give you the option to proceed or to look for something else.

Our Remuneration

Providing our service costs money and we’re not shy in saying that obviously we do need to cover our costs and make a profit so that we can look after our amazing people who in turn can look after you amazingly! If you decide to use our services and embark on a Jurni with us by entering into an agreement with one of our funding partners and/or with one of our ancillary product providers, we’ll receive a commission for introducing you to them. This is our main source of income. Our commission is based on the amount of work that we do to and the support that we give you throughout the term of your agreement. We’ll always offer you fair value for the service and outcome that you receive because we appreciate you being a Jurni customer and we know that can choose to go elsewhere!

You may be able to ask us for information about the commission that we will or are likely to receive and further information can be found in our Commission Disclosure Policy on our website.

Conflicts of Interest

If through exceptional circumstances we or any of our Directors or other customers has a material interest in the business you ask to be transacted for you, we’ll make you aware of the conflict of interest and we’ll obtain your consent before your instructions are carried out. A copy of our Conflicts of Interest Policy is available on request.

Promise to our customers

We always aim to treat you as we expect to be treated ourselves and to ensure that you receive the outcome that you desire. This means that we will always:

• Listen to you and provide you with the information that you need to properly understand the finance product and/or additional service and make an informed decision
• Encourage you to ask us questions about the products and services that we offer
• Pay additional attention to you and the way that we provide you with information if you are vulnerable 
• Conduct our business with due skill, care and integrity
• Never put ourselves in a position where our primary duty to you is compromised
• Deal with any complaint sympathetically and independently of the colleague to whom the complaint is directed
• Be transparent in the matter of our remuneration
• Respect your confidentiality

You can read our Promise to our Customers on our website.

Complaints

We want happy customers! Putting you first is at the heart of our company’s culture and the key to our reputation and success. We aim to give you a trouble free Jurni and great levels of service and whilst we’ll always do our very best to achieve this, we’re human, we know that sometimes things do go wrong. So if we ask you if you’re happy and you don’t say ‘YAY!’, we want to do everything that we can to put this right and back on the tracks to a fabulous Jurni and of course, to take whatever steps we can to prevent it happening again. That’s why we take every complaint  very seriously and we’ll do our utmost to deal with any issue quickly, effectively and in a positive manner. We always look to improve the level of service that we provide you with and a complaint may highlight an area that we can do better. Whilst no-one likes to receive complaints, we’ll always thank you for bringing something to our attention as your happiness is what makes us happy.

You can find our Complaints Procedure for Customers on our website.

Your Responsibilities

Whilst we’ll hold your hand through the Jurni you will need to take responsibility for your decisions and your actions. It’s important to remember:

• Not to be afraid to ask questions to satisfy yourself that the product or service is right for you
• To read everything! If it’s not clear or you’re unsure about anything, please ask us to clarify before you sign anything.
• To consider potential changes to your circumstances. It could be very expensive to end an agreement early
• That a finance agreement for a vehicle is typically between 2 to 5 years so it needs to be affordable to you for the duration. You do need to consider the costs of running the vehicle as well as any potential changes to your circumstances which may affect your ability to make the payments on time. Don’t enter into an agreement if you are unsure of your affordability as if you miss any payments it could affect your credit rating and restrict your access to finance in the future.

• That you need to comply with the terms and conditions of any agreement we arrange for you

Data Protection and Confidentiality

We’re registered under the Data Protection Regulations and abide by the requirements of the regulations. Your personal information will be used to enable us to provide you with the service that we provide and will only be shared with third parties including finance companies with your permission unless we’re required to disclose information by law. Please refer to the Privacy Policy on our website

Credit Searches

In order that a finance company and other service providers may assess your suitability for credit, they’ll make a search with a credit reference agency and this will leave a footprint on your credit file. If you are a company or partnership, they will also make enquiries about the director(s) or partners with a credit reference agency. Some funders and service providers may carry out searches periodically after finance approval including after the inception of an agreement if they supply a credit line. Full details of the use and disclosure of your information by the finance or service provider are contained within the terms and conditions of any agreement which you should read before signing. Please refer to our Privacy Policy on our website

Identity

We’re required to verify your identity to ensure that we ‘Know Your Customer’ and to comply with the Proceeds of Crime Act 2002 (POCA) and the Money Laundering Regulations 2007. We’ll ask you to provide us with a copy of your driving licence, a recent and acceptable proof of address and we may ask you to also provide us with other documentation requested by the finance provider. 

Our Terms and Conditions of Business with Customers

Definitions: You/Your is the Customer. We/Us/Our is Jurni Limited

1. We’re authorised and regulated by the Financial Conduct Authority for consumer credit activities and insurance distribution. Our Firm Reference Number is 631448. You can check this on the FCA Register by visiting fca.org.ukor by contacting the FCA direct on 0300 500 8082
2. We’re an independent vehicle finance broker and we work to connect you with finance solutions through a carefully selected panel of funders. We provide products and pricing only from this panel so we don’t search the entire market for pricing or alternative funding routes which may be available to you. We do not act as your agent and we won’t offer advice, but we will present clear, concise information to ensure you have all the necessary details to understand how products and services work to enable you to make an informed decision and achieve your desired outcome. We will receive commission and/or other benefits from the finance provider if you enter into an agreement with them. We may also receive commission from a dealer from whom we order your vehicle and/or from a supplier of ancillary products
3. You’re entering into a contract for the supply of our services, which if you are a consumer, is governed by the Consumer Contracts Regulations. The service that we provide is introducing you to a finance company for the supply credit and introducing you to a dealer to supply the vehicle which will be subject of a finance agreement
4. In order that we can give you the best price or present a special offer we occasionally source vehicles which are pre-registered and have delivery mileage only. In these instances, a vehicle may require an MOT certificate which will be at your cost prior to return to the funder
5. We’ll charge you an administration fee as detailed in the Information Notice and Initial Disclosure Document. This is payable by bank transfer or through our online payment service within 7 days of issuance or before delivery of the vehicle whichever is soonest
6. You may have the right to cancel the supply of our service within 14 days of our verbal or written acceptance of your order. You must notify us of cancellation in writing by post or by email. If you cancel after that period, then you will be liable to pay a cancellation fee as detailed in our Information Notice and our Initial Disclosure Document which we have provided you with. We’ll issue an invoice in respect of the cancellation fee and this must be paid by bank transfer or through our online payment service within 7 days
7. You agree to pay late payment interest and/or debt collection costs if you fail to pay any invoice issued by us within the prescribed time
8. The finance agreement is a separate contract between you and the finance provider. You may have the right to cancel the provision of finance by the finance company and details of this will be supplied directly to you by them
9. The order and supply of the vehicle is a separate contract between you and the vehicle supplier. You may source the vehicle yourself providing the finance quotation reflects your purchase price or you will provide us with permission to act as your agent. In the event that a finance agreement the vehicle is cancelled by you, you may remain liable to purchase the vehicle from the supplier or if they accept a cancellation of the order, any costs that they incur. Details of this will be supplied directly to you by them
10. If we advise you of any material changes such as limited availability to offers by a manufacturer, motor dealer or finance company, you’ll have the right to cancel your order without incurring a cancellation charge
11. We’ll provide you with an anticipated delivery date which is based on information that we receive from our supplier. Whilst we endeavour to ensure that anticipated delivery dates are as accurate as possible, these are subject to change by the manufacturer and on occasions delays do occur due to production or transportation issues. We’ll keep you informed of any known changes to allow you to make any necessary arrangements because of a delivery delay. We won’t accept any responsibility for losses or inconvenience to you caused by the delay of a vehicle
12. The vehicle will be driven to your specified delivery address on the UK mainland by a delivery driver and will therefore arrive with delivery mileage. If you require delivery by trailer or transporter, please let us know and we’ll advise you of the additional cost
13. We have no control over manufacturer pricing. It is important to note that the price that we provide at quotation and/or order is based on the basic list price and discount that we have been given by the supplier today. The industry is experiencing price increases and reduced discounts from manufacturers without warning, and orders placed are unlikely to be price protected by the manufacturer. Please therefore be aware that the figures we have provided you with are not guaranteed and may be subject to increase. We’ll notify you of any changes as soon as possible. We have no control over changes to model year specification, vat rates, road fund licence, interest rates, residual value which may affect and increase the rental figures. We won’t accept any responsibility for losses or inconvenience caused by changes outside of our control.
14. Approvals for finance may expire between the point of order and delivery and the finance company may undertake a further credit search with the credit reference agencies which will leave a footprint on your credit file. We have no control over a finance company’s decision to rescind an approval for finance or request further information from you and we will not accept any responsibility for losses or inconvenience caused.
15. Errors and Omissions Excepted

If you’re unsure about anything in our Terms and Conditions, please let us know as we’re here to help!

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