Please read the following information carefully to ensure your advertising is compliant. Prior to advertising finance you must in any event first email us, setting out the nature of the proposed advertising requested, in order to obtain our written permission. Please contact us on 01978 666887 or [email protected] to discuss advertising in more detail.
As a TradeHelp FCA Member you can advertise the availability of finance, but any such advertising must comply with the rules set down by the FCA. For this reason, any advertising you undertake around finance whilst acting as our FCA Member must be approved by us in advance of use.
You should have a privacy and complaints policy on your website, and must also display the status disclosure somewhere on your website if you are mentioning the availability of finance. The status disclosure is included below in italics.
The simplest way to advertise finance is to use statements such as: “Finance available” or “Installations on finance”. These statements do not trigger the requirement for any further information to be provided to the customer over and above your status disclosure which must be included as follows:
*[Your company name] are authorised and regulated by the Financial Conduct Authority as a credit broker under firm reference number [number]. TradeHelp is a trading style of TradeHelp Ltd, Marchwiel Centre, Bryn Lane, Wrexham Ind Est, LL13 9UT, registered in England (03712438), authorised and regulated by the Financial Conduct Authority (firm reference number 697812). TradeHelp are a credit broker, not a lender, and offer loans from a small panel of carefully selected lenders. TradeHelp do not offer financial advice and do not charge you for credit broking services. All loans are subject to status.
You may also wish to include statements such as “Flexible payment”, “No deposit required” or “Spread the cost”. These are incentives to the customer to enter into finance and their use requires that the representative APR be displayed more prominently than the incentive.
Over and above this, if you promote your finance as comparatively better than credit options available elsewhere, mention the monthly payment, or an amount relating to the cost of credit, or the representative APR within the body of your advert, then this will trigger the requirement to include a full representative example in your advert.
If you wish to advertise in this way please contact us and we will support with the content of the representative example.
You may use any of the following banners below. The images should be hyperlinked to https://www.tradehelp.co.uk/homeowners/finance/ to give your customers access to a finance calculator for viewing their possible monthly repayments (over periods other than the 5 and 10 year options, which are provided by automatic email following your app quote). You may also use the wording set out in the optional advert provided below.
Banners – 300px x 600px
Optional Advert Wording for Interest Bearing Credit
FINANCE AVAILABLE
PAY FOR YOUR NEW INSTALLATION IN FLEXIBLE MONTHLY REPAYMENTS*
If you wish to spread the cost of your new installation, [your company name] can introduce you to TradeHelp Ltd. TradeHelp can offer monthly repayments through leading UK finance providers over periods from 2 – 10 years. There is no deposit required and no penalty for early settlement. Credit is subject to application and status.*
https://www.tradehelp.co.uk/homeowners/finance/
REPRESENTATIVE 11.9% APR
*[Your company name] are authorised and regulated by the Financial Conduct Authority as a credit broker under firm reference number [number]. TradeHelp is a trading style of TradeHelp Ltd, Marchwiel Centre, Bryn Lane, Wrexham Ind Est, LL13 9UT, registered in England (03712438), authorised and regulated by the Financial Conduct Authority (firm reference number 697812). TradeHelp are a credit broker, not a lender, and offer loans from a small panel of carefully selected lenders. TradeHelp do not offer financial advice and do not charge you for credit broking services. All loans are subject to status.
These products are also regulated by the Financial Conduct Authority, and you must display the status disclosure (see above) on your website if you wish to promote either or both options.
The key points to include in any advertising are that the finance is interest free and that any loan amount would be payable by the customer in 12 or 24 equal monthly instalments.
If you would like to include any of the banners below, please click on the image to download and save.
Banners – 900px x 270px
