Our Commitment to Good Customer Outcomes

Rubix Finance Ltd is committed to delivering good outcomes for customers in line with the Financial Conduct Authority’s Consumer Duty.

Our Principles

We aim to ensure that:

• customers receive clear, fair and not misleading information
• products and services are designed to meet customer needs
• customers are supported in making informed decisions
• customers do not experience foreseeable harm

Our Role as a Credit Broker

As a credit broker, we introduce customers to a panel of lenders. We do not provide financial advice or make recommendations.

However, we recognise our responsibility to ensure that:

• the information we provide is clear and understandable
• the customer journey is fair and transparent
• customers are not misled or pressured

Customer Understanding

We aim to support customer understanding by:

• using plain and accessible language
• clearly explaining our role and the role of lenders
• ensuring key information is presented at the right time

Fair Value

We work with lenders and partners who are committed to delivering fair value.

We aim to ensure that:

• customers are aware of the costs and risks associated with finance
• commission arrangements are transparent
• customers are able to make informed choices

Supporting Customers

We recognise that different customers have different needs.

We aim to:

• support vulnerable customers appropriately
• provide additional assistance where required
• ensure customers have sufficient time and information to make decisions

Monitoring and Improvement

We regularly review:

• customer journeys
• communications and disclosures
• feedback and outcomes

to ensure we continue to meet our obligations under Consumer Duty.

Accountability

Senior management is responsible for ensuring that Consumer Duty is embedded within our business processes and culture.

We are committed to continuous improvement and delivering positive outcomes for all customers.