Terms and Conditions

Part A — Terms and Conditions

1. About these terms

This website and the loan facilities described on it are operated by DGC Finance, a company with registration number 093284045. Licensed business lender, licence 461810293. In these terms, "we", "us" and "our" refer to DGC Finance, and "you" refers to the business applying for or receiving a facility and to the person signing on its behalf.

2. Eligibility

Facilities are available to businesses that are already trading, and to applicants who are not yet trading but who hold part of the required capital and can evidence a clear direction for the funds. You must be at least eighteen years of age, authorised to act for the business, and able to provide the documentation we request. We may decline any application without giving reasons, and we are not obliged to offer a facility on the terms requested or at all.

3. Your application

Information you provide must be accurate, complete and not misleading. You must tell us promptly if anything you have told us changes before the facility is drawn. We may rely on the information you give us and on the documents you supply, and we may verify both with third parties.

4. Assessment and decisions

Each application is assessed individually. Where we request further information, the assessment is paused until we receive it and may be closed if it is not provided within a reasonable period. Indicative figures shown during an application are estimates only; the terms that bind you are those issued in writing and signed.

5. The facility

We finance the deficit between the total cost of a defined project and the contribution you provide, normally up to eighty per cent of that cost. The facility is a loan, not an investment: we take no shareholding, no board representation and no share of your profits. Amount, rate, term and repayment schedule are confirmed in the facility agreement for each loan.

6. Interest and charges

Interest is charged at the rate stated in your facility agreement, calculated on a flat basis over the agreed term unless that agreement states otherwise. We charge no fee for submitting an application. Any other charge, including a charge for late payment or for early settlement, is disclosed in the facility agreement before you sign and is never applied retrospectively.

7. Your contribution

The contribution you commit must be genuine, already available to the business, and evidenced before funds are released. We do not require the contribution to be paid to us; it is applied by you to the same project. Where evidence of the contribution cannot be produced, we may withdraw the offer.

8. Repayment

Repayment is made in instalments over the term stated in the facility agreement, beginning from the first repayment date shown there. You are responsible for ensuring funds are available on each due date. Instalments are applied first to charges, then to interest, then to principal, unless the agreement provides otherwise.

9. Security

Security is agreed case by case and is described in the facility agreement. It may include a deduction arrangement on receipts, an assignment of invoices or purchase orders, a charge over movable business assets, or a personal guarantee. Where security is given, it is released once the facility and all amounts due under it are settled.

10. Cancellation and withdrawal

You may withdraw an application at any time before funds are released by writing to us. Where a statutory right to cancel applies, the facility agreement sets out the period and the procedure. If you cancel after funds have been released, the outstanding principal and any accrued interest become immediately repayable.

11. Default

An event of default includes a missed instalment, a material change to the information you gave us, insolvency, or a breach of the facility agreement. On default we may require immediate repayment of the outstanding balance, enforce any security, and recover reasonable costs of doing so, in each case to the extent permitted by the governing law.

12. Credit checks and information sharing

You consent to identity and business verification, and to checks with credit reference agencies and public registers, on the business and its directors. How we collect, use and retain personal information is described in the Privacy Notice below.

13. Intellectual property

The content, design and marks on this website belong to us or are used with permission. You may read, print and store pages for your own use. You may not reproduce them commercially without our written consent.

14. Liability

We take care to keep this website accurate and available, but we do not warrant that it will be uninterrupted or free of error. Nothing in these terms excludes liability that cannot lawfully be excluded, including liability for fraud. We are not liable for indirect or consequential loss, including loss of profit, arising from use of this website.

15. Changes

We may amend these terms from time to time. The version published on this page applies from the date shown at the top. Amendments do not alter the terms of a facility already documented in a signed agreement.

16. Governing law

These terms are governed by the laws of [governing jurisdiction], and the courts of that jurisdiction have exclusive jurisdiction over any dispute arising from them, without affecting any right you have to bring a complaint to a regulator.

17. Contact

Questions about these terms should be sent to [email protected].

Part B — Privacy Notice

1. Who we are

DGC Finance is the controller of the personal information described in this notice. Our registered office is at [registered address], and we can be reached at [email protected].

2. Information we collect

We collect the information you give us in an application — your name, role, contact details, the business's registration and tax details, trading and financial information, and any documents you send. We also collect technical information when you use this website, including the pages you visit, the address you browse from, the device you use and the site that referred you.

3. Why we use it

• To assess an application and decide whether to offer a facility.
• To verify identity, authority and business registration.
• To administer a facility, including repayment and any security.
• To meet legal, regulatory and reporting obligations.
• To understand how the website is used so that it can be improved.
• To contact you about your application or facility.

4. Legal bases

We rely on the performance of a contract where processing is needed to assess or administer a facility, on legal obligation where we must keep or report information, on legitimate interests for fraud prevention and website improvement, and on your consent where we ask for it — for example, for credit reference checks or optional communications. You may withdraw consent at any time, without affecting processing already carried out.

5. Who we share it with

We share information with credit reference agencies, identity and business verification providers, payment and messaging providers, professional advisers, auditors and regulators, and with any party to whom we assign or transfer a facility. We do not sell personal information.

6. Transfers outside your country

Some providers process information outside the country in which you applied. Where that happens we take steps to ensure an equivalent level of protection, using contractual safeguards or another lawful transfer mechanism.

7. How long we keep it

We keep application records and facility records for as long as the facility is active and for the period afterwards required by law, accounting rules and our regulator. Information that is no longer needed is deleted or anonymised. Website visit records are kept for a shorter period, in aggregate form.

8. Your rights

Subject to the law, you may ask for a copy of the information we hold about you, ask us to correct it, ask us to delete it where there is no continuing obligation to keep it, object to certain uses, or ask for it in a portable format. Requests should be sent to [email protected]. We may need to confirm your identity before responding.

9. Cookies and analytics

This website does not use advertising cookies. It records page visits in aggregate to understand which pages are useful and where visitors arrive from, and to identify automated traffic. Records include the page visited, an approximate location derived from the network address, the device type and the referring site. Where your browser sends a do-not-track preference, the visit is not recorded.

10. Security

We apply technical and organisational measures to protect the information we hold, including access controls, encrypted connections and logging. No method of transmission or storage is entirely secure, and we cannot guarantee absolute security.

11. Complaints

If you are unhappy with how we have handled your information, please contact us first so that we can try to resolve it. You also have the right to complain to the data protection authority in your country.

12. Changes to this notice

We may update this notice from time to time. The version published here applies from the date shown at the top of the page.