Welcome to Go-Factor. These Terms and Conditions govern your use of the Go-Factor website. By accessing or using this website, you agree to these Terms and Conditions. If you do not agree with them, please do not use the website.

About Go-Factor

Go-Factor Limited provides independent information, guidance and introductions relating to business funding solutions. These may include invoice finance, factoring, invoice discounting, spot finance, trade finance, asset finance and other forms of commercial funding.

The information provided on this website is intended to help businesses understand, compare and secure suitable funding solutions. Website content is provided for general information purposes and should not be treated as regulated financial, legal, accounting or tax advice.

Businesses should consider their individual circumstances and the terms of any proposed funding agreement before making a financial decision.

Indicative Funding Information

Any calculations, examples, funding estimates, comparisons or quotations provided through this website are supplied in good faith for illustrative purposes only.

Indicative information is based on the details available at the time and does not constitute a formal offer, approval or guarantee of finance.

All funding remains subject to matters including:

• Full underwriting and credit approval
• Verification of the information supplied
• The individual funder's eligibility and lending criteria
• Legal and financial due diligence where applicable
• Agreement of satisfactory terms and conditions
• Completion of the selected funder's documentation

Actual funding amounts, advance rates, availability, interest, service fees and other charges may differ from any indicative figures provided.

The selected funder will confirm the final facility, terms, costs and conditions following completion of its underwriting process.

Independent Introductions

Go-Factor acts as an independent commercial finance intermediary. We help businesses understand their requirements, compare suitable options and secure an appropriate funding solution from the available market.

We work with a broad range of UK funding providers. However, we do not guarantee that every funder or every funding product available in the market will be considered in every case.

Recommendations and introductions are based on the information supplied to us, the needs of the business, product availability and the criteria of relevant funding providers.

Unless a separate fee has been disclosed and agreed with you in writing, Go-Factor will not charge you a fee for its introduction service. We may receive commission or another form of payment from a funding provider following the successful completion of a funding agreement.

The receipt of commission does not increase the contractual charges payable under your funding agreement unless the funder expressly states otherwise.

Information You Provide

You are responsible for ensuring that information submitted through this website or otherwise provided to Go-Factor is accurate, complete and not misleading.

You confirm that you are authorised to provide the information and to act for the relevant business where you submit information on behalf of a company, partnership or another organisation.

Go-Factor and potential funding providers may rely on the information supplied when assessing funding requirements and eligibility. Inaccurate or incomplete information may affect the availability or terms of funding.

Website Information

Go-Factor takes reasonable care to ensure that information published on this website is clear, accurate and current. However, commercial funding products, lender criteria, interest rates, charges and market conditions can change.

We do not guarantee the completeness, accuracy, continued availability, reliability or suitability of website content for a particular business or purpose.

Information may be amended, removed or updated without notice. Website users should not rely solely on general website content when making financial or commercial decisions.

Personal Information

When you submit information through this website, you confirm that the information is accurate and that you are authorised to provide it.

Go-Factor may use the information supplied to:

• Respond to your enquiry
• Understand your business and funding requirements
• Assess potential funding options
• Introduce your business to suitable funding providers
• Manage our relationship with you
• Meet legal, regulatory and compliance obligations
• Provide relevant marketing communications where permitted by law

We process personal data in accordance with the UK General Data Protection Regulation, the Data Protection Act 2018 and our Privacy Policy.

Further details about how we collect, use, retain and protect personal information are available in our Privacy Policy .

Intellectual Property

Unless otherwise stated, the content of this website is owned by or licensed to Go-Factor Limited and is protected by copyright, trademark and other intellectual property laws.

Protected website content may include:

• Written articles, guides and reports
• Website text and page layouts
• Logos, trading names and brand assets
• Photographs, graphics and illustrations
• Videos and other multimedia content
• Downloadable documents and resources
• Original research, data and analysis
• Tools, calculators and website functionality

No ownership rights, intellectual property rights or licences are transferred to you through your use of this website, except for the limited permission expressly provided within these Terms and Conditions.

Permitted Use and Downloads

You may access and use this website for lawful personal or internal business purposes.

You may also:

• View website content through a standard web browser
• Download resources for your own personal or internal business use
• Print a reasonable number of copies for reference
• Share a link to an original Go-Factor webpage, provided the source is clearly identified

Any downloaded or printed material must retain all applicable copyright notices, acknowledgements and branding.

Prohibited Use of Our Content

Unless you have obtained prior written permission from Go-Factor, you must not:

• Republish substantial parts of the website
• Sell, license or commercially distribute website content
• Present Go-Factor content as your own work
• Remove copyright, attribution or branding notices
• Modify website content in a way that is misleading or misrepresents Go-Factor
• Create unauthorised derivative works from our content
• Reproduce Go-Factor trademarks, logos or branding without permission
• Systematically scrape, harvest, extract or reproduce website content
• Construct or populate a commercial database using substantial parts of the website
• Use our content in a way that infringes intellectual property rights or applicable law

Requests for permission to reproduce or licence Go-Factor content should be sent to letstalk@go-factor.org .

Acceptable Use

You agree not to use this website:

• For any unlawful, fraudulent or misleading purpose
• To submit false, inaccurate or unauthorised information
• To impersonate another person, company or organisation
• To attempt to gain unauthorised access to the website or its systems
• To introduce viruses, malware or other harmful technology
• To interfere with the operation, security or availability of the website
• To transmit unsolicited or unauthorised promotional material
• To use automated systems to extract substantial website content without permission

Third-Party Websites and Services

This website may include links to websites, resources or services operated by third parties, including funding providers and professional organisations.

These links are provided for convenience and information. Go-Factor does not control third-party websites and is not responsible for their content, availability, security, terms or privacy practices.

The inclusion of a link does not necessarily represent an endorsement of every statement, product or service offered by the third party.

Funding Agreements

Any funding agreement is entered into directly between the business and the selected funding provider.

The funding provider is responsible for its underwriting decision, facility documentation, charges, service delivery and the ongoing administration of the funding arrangement.

Before signing an agreement, you should review the complete terms, conditions, fees, interest charges, notice periods, security requirements and termination provisions.

You should obtain independent legal, financial, accounting or tax advice where appropriate.

Website Availability

We aim to keep the website available and operating securely. However, uninterrupted access cannot be guaranteed.

The website may be suspended, restricted or unavailable because of maintenance, technical problems, security concerns or circumstances outside our reasonable control.

Limitation of Liability

To the fullest extent permitted by law, Go-Factor Limited will not be liable for losses arising solely from:

• Your use of or inability to access this website
• Reliance on general or indicative website information
• Inaccurate or incomplete information supplied by a website user
• Changes to funder criteria, products, pricing or availability
• The content or operation of a third-party website
• Events or technical failures outside Go-Factor's reasonable control

Nothing in these Terms and Conditions excludes or limits liability where it would be unlawful to do so. This includes liability for death or personal injury caused by negligence, fraud or fraudulent misrepresentation.

Your Responsibility

You are responsible for your use of this website and for decisions made using the information provided.

You are also responsible for reviewing the terms of any funding arrangement and ensuring that the facility is suitable and affordable for your business.

Changes to These Terms

Go-Factor may update these Terms and Conditions to reflect changes to our services, website, business practices or legal obligations.

The current version will be published on this page together with the date it was last updated. Changes will take effect when the revised Terms and Conditions are published.

Governing Law

These Terms and Conditions are governed by the laws of England and Wales.

Subject to any rights that cannot legally be excluded, disputes relating to these Terms and Conditions or the use of this website will be subject to the jurisdiction of the courts of England and Wales.

Complaints

Go-Factor aims to provide a professional, confidential and responsive service.

If you are dissatisfied with any aspect of our service, please contact us with details of your concern. We will acknowledge and investigate the matter and aim to respond as promptly as reasonably possible.

Complaints can be submitted by email to letstalk@go-factor.org .