Terms and Conditions

These terms apply to tallyfinance.co.uk and the commercial finance enquiry services made available under the Tally brand. By using the site, you agree to these terms. The Privacy Policy explains how personal information is used and is not itself a contract or a request for consent.

1. Who we are

Surf Marketing Ltd is registered in England and Wales under company number 14952633. Its registered office is C/O The Accountancy Partnership, Suite 5, 5th Floor, City Reach, 5 Greenwich View Place, London, United Kingdom, E14 9NN. Its ICO registration number is ZC046410. Contact us at info@tallyfinance.co.uk.

2. Eligibility and authority

You may use the service only if:

• you are at least 18 years old;
• you have authority to act for the business named in the enquiry;
• all information you provide is accurate, current and not misleading;
• the finance is sought wholly for legitimate business purposes; and
• your business type is eligible for the particular journey as stated on that page.

You must not impersonate another person, submit an enquiry without authority or use the service for fraud, unlawful activity, personal borrowing or to interfere with our systems.

3. What Tally does

We collect information about a business-funding enquiry, apply eligibility and matching criteria, and may send the enquiry to one or more third-party brokers, lenders or commercial service providers that appear relevant. A match is not advice, a recommendation or an endorsement. We do not compare the whole market and the panel, criteria and availability can change.

A recipient acts independently and decides whether to contact you, request documents, conduct checks or offer finance. Any application or finance agreement is between you and that provider and is governed by its terms and privacy notice. Check its identity, fees, commission disclosure, regulatory status and agreement carefully.

4. Fees and commission

We do not charge an applicant to submit an enquiry through Tally. We may receive a fixed or variable fee or commission from a broker, lender or provider for an introduction or completed outcome. The existence of that commercial arrangement may influence which providers participate in our panel. It does not increase a fee charged by us, but a provider's own pricing and commission arrangements may affect the overall cost of finance.

5. Contact and information sharing

When you submit an enquiry, you ask us to use the contact and business information supplied to respond and to pass it to a suitable recipient for that enquiry. The collection notice and our Privacy Policy explain the recipients, purposes and lawful bases. A recipient may contact you by telephone, email or SMS about the enquiry. Service contact is separate from optional direct marketing.

6. Checks, decisions and risks

Tally does not carry out credit searches or make lending decisions. A broker or lender may verify identity, use fraud-prevention services and perform a soft or hard credit search. It should explain the search and obtain any authority required before proceeding. A hard search can appear on a credit file and may affect later applications.

All finance is subject to status, affordability, provider checks, documentation and contract. Rates, fees, security and repayment terms vary. Failure to maintain repayments can damage creditworthiness and may result in enforcement. If finance is secured on property or another asset, that property or asset may be repossessed. Consider affordability and obtain independent professional advice where needed.

7. Website information

We take reasonable care with site content but product descriptions, indicative amounts, examples, timing and eligibility information are general only and may become out of date. Nothing on the site is financial, legal, tax or accounting advice. You are responsible for checking information that matters to a decision.

8. Availability and security

We may change, suspend or withdraw any part of the site. We do not guarantee uninterrupted or error-free access. You must not introduce malware, attempt unauthorised access, scrape the service at scale, misuse forms, or attack the site. We may block access and report suspected unlawful activity.

9. Intellectual property

The site, brand, software and original content are owned by or licensed to Surf Marketing Ltd. You may view and print reasonable extracts for your own internal business use. You may not reproduce, sell, modify, frame or commercially exploit them without prior written permission. Third-party names and marks belong to their owners.

10. Liability

Nothing in these terms excludes liability that cannot lawfully be excluded, including liability for death or personal injury caused by negligence, fraud or fraudulent misrepresentation. Subject to that, we are not a party to an agreement with a provider and are not responsible for its acts, omissions, advice, decision, availability, pricing or contract.

To the extent permitted by law, we are not liable for indirect or consequential loss, loss of profit, revenue, business, opportunity, goodwill or anticipated savings arising from use of this free service. These limitations do not affect any mandatory rights you may have.

11. Third-party websites

Links are provided for convenience. We do not control third-party sites and are not responsible for their availability, security, content or privacy practices. A link does not by itself mean that we endorse a provider.

12. Changes and ending use

We may update these terms for legal, regulatory, security or service reasons. The date above shows the current version. Changes apply from publication and do not rewrite a separate agreement already made with a provider. You may stop using the site at any time. We may restrict use where these terms are breached.

13. Governing law

These terms and non-contractual disputes are governed by the law of England and Wales. The courts of England and Wales have jurisdiction, except where mandatory law gives you the right to bring proceedings elsewhere.

14. Concerns and complaints

Questions or concerns about the Tally website, how we handled your information or our role in making an introduction can be sent to info@tallyfinance.co.uk.

Any complaint about financial advice, a credit search or decision, eligibility, an offer, a finance agreement, or a broker or lender's service must be made directly to the partner concerned. Surf Marketing Ltd is not FCA authorised and cannot investigate or decide a complaint on a partner's behalf. The partner is responsible for explaining its complaints process and any escalation rights, including access to the Financial Ombudsman Service where applicable.

If you are unsure which partner received your enquiry, contact us and we will try to identify the relevant firm from our records.