Terms of Business and Disclosure

Version: 1.9

Effective Date: March 2026

1. Who are we and who authorises us?

Just Protect Ltd is a finance and insurance broker based in the Northwest of the UK. We are committed to providing an efficient service to help you gain the products you need in an honest, transparent manner, and in accordance with the FCA's Consumer Duty principles.

We are authorised and regulated by the Financial Conduct Authority (FCA) under firm reference number FRN 792773. Just Protect, Just Auto Loans, Just Protect Group, and Just Fund Me are trading styles of Just Protect Ltd. We act as a broker, not a lender.

You can check our information on the FCA Register here - https://register.fca.org.uk/s/

Registered Address: 13 Liverpool Road North, Maghull, Merseyside, L31 2HB
Company Number: 10764142

2. How to Contact Us

You can contact us using the information below:

3. Our Commitment to Consumer Duty

All our sales and broking activities are conducted in line with the FCA's Consumer Duty, which requires us to act to deliver good outcomes for retail customers. Specifically, we ensure:

  • Products and services that are fit for purpose and meet your needs.
  • Fair value - our products and services represent fair value, taking into account price, benefits, and the nature of the product.
  • Consumer understanding - we provide clear, timely, and accessible information so you can make informed decisions.
  • Consumer support - we provide appropriate support throughout the customer journey, including post-sale assistance and complaints handling.

We regularly review our product range, commission structures, and customer communications to ensure compliance with Consumer Duty and to identify and prevent foreseeable harm.

4. Finance Options and Credit Searches

To try to obtain a finance acceptance, we will pass your details to the lenders with whom we work. To ensure we treat our customers fairly, we do not send you to all our panel, but rather send you to those who accept your current circumstances.

We do need to make you aware that whilst finance cannot be guaranteed, our team will try their best to obtain you an acceptance. Our lenders will check your information with credit reference agencies and fraud prevention agencies to fully assess your application.

The majority of our lenders complete a soft search, however, please note that if approved and to proceed they may complete a full search, which will show on your credit profile.

If you do not consent to the above searches being carried out, please do not submit your application. Our team will not process any application without your explicit consent.

Our lending panel can offer a range of finance products such as:

  • Hire Purchase (HP)
  • Conditional Sale (CS)
  • Personal Loans
  • Personal Contract Purchase (PCP)

Our team will go over all aspects of your agreement to allow you to make an informed decision. Please note we will never advise you or recommend a specific product – we provide information to help you choose.

5. Fees and Commissions

By passing your details to our finance and insurance partners, we receive a commission from them for the introduction. This differs between partners. This commission will not impact any rate, amount, or acceptance you are offered and is an agreed fixed payment or percentage.

You have the right to request information on our commission at any time using the contact details.

We regularly review our commission arrangements and product terms to ensure they deliver fair value to customers in line with Consumer Duty requirements.

We do not charge any fees for the service we provide.

6. Motor Finance Commission Transparency

For motor finance products, you should be aware that we may receive commission from the lender. This commission may be based on:

  • A fixed fee per introduction
  • A percentage of the amount financed
  • A combination of both

Under FCA rules, we are required to provide transparency about commission arrangements. If you have arranged motor finance through us and believe you were not properly informed about the commission we received, or if you have concerns about the fairness of the arrangement, please contact us or refer to our complaints policy.

Special complaint handling rules apply to motor finance complaints relating to commission arrangements (both discretionary and non-discretionary commission arrangements). We handle these complaints in accordance with FCA DISP rules and relevant remediation exercises.

7. Affordability

It is extremely important that you investigate finance options that are suitable for your current and potential future financial situation. Our team will go over all your details to ensure we have the correct information to pass onto our lenders, who will then try to verify the information. However, please note that evidence of your income may be requested.

If you are aware or suspect that your financial position will change in the future, you must inform us.

Your credit rating could be adversely affected if you do not make payments when due. Defaulting on a finance agreement can have serious consequences, including repossession of the vehicle and long-term damage to your credit file.

8. Insurance and Aftersales Products

With your permission and consent, we may pass your details to third parties for the purpose of obtaining insurance or aftersales products such as:

  • Gap insurance
  • Excess protection
  • Extended warranties
  • Vehicle protection plans

Please note we do receive a commission should you decide to proceed with these products. Our commission arrangements are structured to ensure fair value, and we regularly review product performance and customer outcomes in line with Consumer Duty.

If you have any questions regarding these products, please contact us using the information above.

9. Your Information

We value the fact you trust us with your data; therefore, we work extremely hard to ensure it is protected. For full details on how we protect your information, why we ask for certain information, and your data protection rights, please consult our Privacy Policy, available at:

https://justfundme.co.uk/privacy-policy

Or request a copy by contacting us using the details in Section 2.

Our data handling practices comply with UK GDPR, the Data Protection Act 2018, and the Data (Use and Access) Act 2025.

10. Complaints

We work hard to provide you with the best service we can; however, we do understand that at some points you may not be happy with the service or product you have received. Our team work hard to ensure that we keep our customers happy and are on hand to assist you with any problems you may have faced.

Our full Complaints Policy can be found at:

https://justfundme.co.uk/complaints-policy

Or request a copy by contacting us using the details in Section 2.

How to Make a Complaint

You can make a complaint by:

We will acknowledge your complaint within 24 hours (working days) and aim to resolve it promptly. If we cannot resolve your complaint within 3 business days, we will provide a full response within eight weeks.

If you remain dissatisfied, you have the right to refer your complaint to the Financial Ombudsman Service (FOS):

For motor finance complaints relating to commission arrangements, special timescales and procedures may apply. Please refer to our Complaints Policy or contact us for further information.

11. Vulnerable Customers

We recognise that some customers may be in vulnerable circumstances due to health conditions, life events, capability, or resilience issues. If you require additional support, communication adjustments, or extra time to make decisions, please let us know so we can provide appropriate assistance.

Our commitment to fair treatment and Consumer Duty means we will proactively identify and respond to vulnerability indicators throughout our relationship with you.

12. Conflicts of Interest

We manage conflicts of interest in accordance with FCA requirements. Where a conflict arises that cannot be avoided, we will disclose this to you before proceeding. Our commission structures and product selection processes are designed to minimise conflicts and ensure we act in your best interests.

13. Language and Communication

This agreement and all communications with you will be in English. Documents and correspondence will be provided in English unless you request an alternative format or language (subject to availability).

14. Changes to These Terms

We may update these Terms of Business from time to time to reflect regulatory changes, best practice, or changes to our services. The updated terms will be available via our website and upon request.

Current version: 1.9

Last updated: March 2026

15. Acceptance of These Terms

By submitting an application or using our services, you confirm that:

  • You have read and understood these Terms of Business
  • You consent to the credit searches and data processing described in this document and our Privacy Policy
  • You understand the nature of the products and services we offer
  • You agree to provide accurate and complete information

If you have any questions about these terms before proceeding, please contact us using the details in Section 2.

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