Initial Disclosure Document

Exploring our financial options

The Financial Conduct Authority

The Financial Conduct Authority (FCA) is the independent regulatory body that oversees financial services. Use this information to determine if our services align with your financial goals.

Commitment to Fair Treatment

Our company is dedicated to treating our clients with fairness and ensuring our products and services meet their specific needs. The principle of fair treatment is a fundamental aspect of our culture and philosophy, and you can review our commitment to it by requesting a copy of our policy statement on fair treatment.

Which Lenders do we Collaborate with?

We can connect you with a select group of lenders who may be able to finance your purchase. We will only introduce you to these lenders.

Alternate Financing Options

You may have the opportunity to secure financing for your purchase from other lenders and you are encouraged to explore alternative quotations and the details of their products by researching local banks, media outlets, and online resources.

Cost of our Services

You will not be required to make any payments to us for any introductions we make to finance providers regarding financing options for your purchase.

Commission Disclosure

We may receive a commission from the finance provider if you choose to enter into an agreement with them. The commission is based on a percentage of the total amount of finance obtained by the customer. You can request for us to disclose the amount of any commission received.

Regulatory Body

F&I Online Ltd is authorized and regulated by the Financial Conduct Authority. F&I Online Ltd FCA registration number is 09664343 and the registered office address is Lumiere House, Elstree Way, Borehamwood, WD6 1JH.

Comprehending our Products and Documents

If you have any health concerns, difficulty comprehending information, or recent life events that could affect your understanding of the information and documentation provided or your commitments under the agreement, you should carefully consider the amount of time you need to review the documentation. Additionally, you should consider if it is advisable to have someone you know assist you in making your decision. Please inform us if this is the case and we will proceed in the most appropriate manner. It is important to ensure you have adequate time to evaluate the information provided to confirm the financing option offered is suitable for you and meets your needs. If you need further explanations or have any questions, please ask.


You should evaluate the monthly payments required throughout the agreement and ensure you can meet these obligations and other existing commitments without undue hardship. If you are aware of any future events that may affect your ability to meet these payments, you should inform the provider immediately. Failing to make payments on time can negatively impact your credit rating and make it harder or more expensive for you to access financing options in the future.

What to do if you have a complaint?

Please visit our complaints page for more information.

Confidentiality and Data Protection

Throughout the process of providing services, we will need to collect personal information from you and share it with one or more third-party organizations in order for them to provide any services you request. This may include sharing your information with credit reference agencies, potential lenders, and credit brokers to enable them to make a credit decision. These lenders may use your information to conduct an affordability and creditworthiness assessment and will do so with your consent. For full details of where your information will be shared, please refer to our privacy policy and cancellation of consent.

Resolving Disputes

If you have any issues or disputes regarding our services, we encourage you to reach out to us immediately so that we can address them promptly. If we are unable to resolve your concerns to your satisfaction, you have the right to file a complaint with the Financial Ombudsman Service, who will review your case and provide a resolution.


We are committed to providing transparent and accurate information about our services, fees, and commissions. If you have any further questions or concerns, please do not hesitate to contact us. We are here to help you make informed financial decisions that align with your goals and needs.

In writing: write to Lumiere House, Elstree Way, Borehamwood, WD6 1JH
By telephone: 0203 389 7779
By email: