Terms of Service

These Terms of Service ("Terms") govern your use of the Rubix Finance Ltd website and services.

By accessing or using this website, you agree to be bound by these Terms.

1. About Us

Rubix Finance Ltd is a company registered in Scotland (Company Number SC812895), with its registered office at:

We are authorised and regulated by the Financial Conduct Authority (FCA), Firm Reference Number 1029298.

We are also registered with the Information Commissioner’s Office (ICO) as a data controller (registration number ZC105255).

2. Our Service

Rubix Finance Ltd acts as a credit broker, not a lender.

We provide a platform that allows customers to apply for finance and be introduced to a panel of lenders.

We do not:

• lend money
• provide financial advice
• recommend specific financial products

Our service is provided on a non-advised basis, meaning you are responsible for deciding whether any finance product is suitable for your needs.

3. Use of This Website

You agree to use this website only for lawful purposes.

You must not:

• misuse the website or attempt to gain unauthorised access
• provide false or misleading information
• use the website in a way that may impair its performance or security

We reserve the right to restrict or terminate access where misuse is suspected.

4. Finance Applications

When you submit an application:

• you confirm that the information provided is accurate and complete
• you authorise us to share your information with lenders on our panel
• you understand that lenders will assess your application independently

Submitting an application does not guarantee that finance will be offered.

5. Lending Decisions

All lending decisions are made by the lender.

This includes:

• whether your application is approved
• the interest rate and terms offered
• the amount of credit available

We are not responsible for decisions made by lenders or the terms of any agreement offered.

6. Credit Searches

As part of the application process:

• lenders may carry out credit checks
• this may include soft and/or hard credit searches

You will be informed before any hard credit search is carried out.

7. Fees and Commission

We do not charge customers a fee for using our service.

We may receive commission from lenders if you enter into a credit agreement through us. This may be a fixed fee or a percentage of the amount borrowed.

This commission does not affect the amount you pay under your agreement.

Further details are available on request.

8. No Advice

Nothing on this website constitutes financial advice.

We do not assess the suitability of finance products for your individual circumstances.

You should consider:

• whether the finance is affordable
• whether it meets your needs
• seeking independent advice if required

9. Liability

To the extent permitted by law, Rubix Finance Ltd shall not be liable for:

• decisions made by lenders
• the terms or performance of any credit agreement
• any indirect or consequential loss arising from use of this website

Nothing in these Terms limits liability where it would be unlawful to do so.

10. Third-Party Services

This website may involve services provided by third parties, including lenders.

We are not responsible for:

• the content of third-party websites
• services provided by lenders
• outcomes of credit agreements

You should review the terms and policies of any third-party provider.

11. Data Protection

Your personal data will be processed in accordance with our Privacy Policy.

By using our services, you agree to the collection and use of your data as described in that policy.

12. Availability of Service

We aim to ensure the website is available at all times. However, we do not guarantee uninterrupted access.

We may:

• suspend or withdraw the website
• update or modify functionality

without prior notice.

13. Changes to These Terms

We may update these Terms from time to time.

Any changes will be published on this page. Continued use of the website constitutes acceptance of the updated Terms.

14. Governing Law

These Terms are governed by the laws of Scotland.

Any disputes arising from the use of this website will be subject to the jurisdiction of the Scottish courts.

15. Contact Information

If you have any questions about these Terms, please contact: