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Terms of service
Last Updated: 24/06/2025
ICC Asset Finance (Trading name of ICC Automotive Ltd) is a credit broker, not a lender.
As an authorised credit broker ICC Asset Finance has access to a panel of lenders that may be able to assist you in financing your purchase or re-financing / releasing equity from your current asset.
We may receive a payment(s) or other benefits from finance providers should you decide to enter into an agreement with them, typically either a fixed fee or a fixed percentage of the amount you borrow. The payment we receive may vary between finance providers and product types. The payment received does not impact the finance rate offered. ICC Asset Finance is authorised and regulated by the Financial Conduct Authority, FRN:1046608 and is also registered with the Information Commissioners Office under registration reference:ZC112950.
All finance applications are subject to status, terms and conditions apply, UK residents only, 18's or over, Guarantees may be required.
Introduction
This is the official website of ICC Asset Finance . Our website is intended to provide free information about ICC Asset Finance Ltd. By using this website you are accepting the following terms and conditions - please read them carefully. If you do not wish to accept these terms and conditions, we suggest that you do not use this site. ICC Asset Finance reserve the right to amend content of this website at any time.
Accessing our website
Whilst we have taken every care in the preparation of the content of our site, we cannot guarantee uninterrupted and totally reliable access to it. We cannot therefore guarantee that the information will always be up to date and free of errors. We accept no responsibility for your inability to access our site arising out of circumstances beyond our reasonable control, as access to our website is dependent upon the availability of the worldwide web. From time to time, our site may contain links to and from third party websites. If you follow a link, please note that these sites have their own privacy policies and will be subject to separate terms and conditions and we do not accept responsibility or liability for these sites.
Unauthorised use of our website
Submit any information that is obscene, threatening, hateful or abusive.
Enter any but not limited to; cgi scripts, images, html code or any other part of this site is strictly prohibited
Prohibited from interfering with the site service including flooding, mailing, hacking, crashing or amending site content
Do not direct or redirect our web site and related material through any unsolicited emails to this site
Warranty Disclaimer
All information and images contained on this website are believed to be truthful and accurate. Commentary and other materials posted on our website are provided for general information purposes only and are not intended to be relied upon by you, unless confirmed by ICC Asset Finance ltd in writing. We do not warrant, guarantee or represent that material downloaded and/or accessed via or from our website will be free of viruses and you should operate the most up-to-date virus protection software at all times.
Copyright
Work originated by us from graphics, images, logos, and data to html code belongs to ICC Asset Finance . Reproduction, adaptation or modification of all or any part of these contents are strictly prohibited without written permission of ICC Asset Finance. All materials published are owned by, or are licensed to us.
Submissions
Where you are invited to submit any contribution to this site such as 'news' you are by submission to grant ICC Asset Finance a license to use and create any derivative works for any purpose. Do not submit any contributions to our site if you do not wish to grant such rights.
Privacy
We may collect information about you when you request any information about us or our services, or submit your personal details and/or complete any forms on this website. Any information or data which you may provide to ICC Asset Finance at any time will be treated as confidential and will not be traded, sold, or rented to a third party but all information is provided at your own risk as we cannot ensure the security of your data transmitted to our site. This information may include contact details, completing application forms for job vacancies or requesting further information about our services. This information will only be disclosed as may be required by English law.
Cookies are small pieces of information stored on your computer used to identify you, including your IP address, operating system and browser type. We may use cookies to track areas of the site that you have visited as well as to automate certain functions of the website and provide you with information about your account. ICC Asset Finance may use this information to contact you or your company from time to time about services that may be of interest or to process any application submitted by you in connection with a job vacancy (we may keep details of applications for the purpose of vetting future applications). If you wish your details to be removed from our information store, please contact us by telephone, email or letter.
Law
These Terms and Conditions and all other express terms herein contained shall be governed and construed in accordance with the laws of England.
Your concerns
If you have any questions about material which appears on our website please contact us.
ICC Asset Finance operates this store and website, including all related information, content, features, tools, products and services, in order to provide you, the customer, with a curated shopping experience (the "Services"). ICC Asset Finance is powered by Shopify, which enables us to provide the Services to you. This Privacy Policy describes how we collect, use, and disclose your personal information when you visit, use, or make a purchase or other transaction using the Services or otherwise communicate with us. If there is a conflict between our Terms of Service and this Privacy Policy, this Privacy Policy controls with respect to the collection, processing, and disclosure of your personal information.
Please read this Privacy Policy carefully. By using and accessing any of the Services, you acknowledge that you have read this Privacy Policy and understand the collection, use, and disclosure of your information as described in this Privacy Policy.
Personal Information We Collect or Process
When we use the term "personal information," we are referring to information that identifies or can reasonably be linked to you or another person. Personal information does not include information that is collected anonymously or that has been de-identified, so that it cannot identify or be reasonably linked to you. We may collect or process the following categories of personal information, including inferences drawn from this personal information, depending on how you interact with the Services, where you live, and as permitted or required by applicable law:
Contact details including your name, address, billing address, shipping address, phone number, and email address.
Financial information including credit card, debit card, and financial account numbers, payment card information, financial account information, transaction details, form of payment, payment confirmation and other payment details.
Account information including your username, password, security questions, preferences and settings.
Transaction information including the items you view, put in your cart, add to your wishlist, or purchase, return, exchange or cancel and your past transactions.
Communications with us including the information you include in communications with us, for example, when sending a customer support inquiry.
Device information including information about your device, browser, or network connection, your IP address, and other unique identifiers.
Usage information including information regarding your interaction with the Services, including how and when you interact with or navigate the Services.
Personal Information Sources
We may collect personal information from the following sources:
Directly from you including when you create an account, visit or use the Services, communicate with us, or otherwise provide us with your personal information;
Automatically through the Services including from your device when you use our products or services or visit our websites, and through the use of cookies and similar technologies;
From our service providers including when we engage them to enable certain technology and when they collect or process your personal information on our behalf;
From our partners or other third parties.
How We Use Your Personal Information
Depending on how you interact with us or which of the Services you use, we may use personal information for the following purposes:
Provide, Tailor, and Improve the Services. We use your personal information to provide you with the Services, including to perform our contract with you, to process your payments, to fulfill your orders, to remember your preferences and items you are interested in, to send notifications to you related to your account, to process purchases, returns, exchanges or other transactions, to create, maintain and otherwise manage your account, to arrange for shipping, to facilitate any returns and exchanges, to enable you to post reviews, and to create a customized shopping experience for you, such as recommending products related to your purchases. This may include using your personal information to better tailor and improve the Services.
Marketing and Advertising. We use your personal information for marketing and promotional purposes, such as to send marketing, advertising and promotional communications by email, text message or postal mail, and to show you online advertisements for products or services on the Services or other websites, including based on items you previously have purchased or added to your cart and other activity on the Services.
Security and Fraud Prevention. We use your personal information to authenticate your account, to provide a secure payment and shopping experience, detect, investigate or take action regarding possible fraudulent, illegal, unsafe, or malicious activity, protect public safety, and to secure our services. If you choose to use the Services and register an account, you are responsible for keeping your account credentials safe. We highly recommend that you do not share your username, password or other access details with anyone else.
Communicating with You. We use your personal information to provide you with customer support, to be responsive to you, to provide effective services to you and to maintain our business relationship with you.
Legal Reasons. We use your personal information to comply with applicable law or respond to valid legal process, including requests from law enforcement or government agencies, to investigate or participate in civil discovery, potential or actual litigation, or other adversarial legal proceedings, and to enforce or investigate potential violations of our terms or policies.
How We Disclose Personal Information
In certain circumstances, we may disclose your personal information to third parties for legitimate purposes subject to this Privacy Policy. Such circumstances may include:
With Shopify, vendors and other third parties who perform services on our behalf (e.g. IT management, payment processing, data analytics, customer support, cloud storage, fulfillment and shipping).
With business and marketing partners to provide marketing services and advertise to you. For example, we use Shopify to support personalized advertising with third-party services based on your online activity with different merchants and websites. Our business and marketing partners will use your information in accordance with their own privacy notices. Depending on where you reside, you may have a right to direct us not to share information about you to show you targeted advertisements and marketing based on your online activity with different merchants and websites. .
When you direct, request us or otherwise consent to our disclosure of certain information to third parties, such as to ship you products or through your use of social media widgets or login integrations.
With our affiliates or otherwise within our corporate group.
In connection with a business transaction such as a merger or bankruptcy, to comply with any applicable legal obligations (including to respond to subpoenas, search warrants and similar requests), to enforce any applicable terms of service or policies, and to protect or defend the Services, our rights, and the rights of our users or others.
Relationship with Shopify
The Services are hosted by Shopify, which collects and processes personal information about your access to and use of the Services in order to provide and improve the Services for you. Information you submit to the Services will be transmitted to and shared with Shopify as well as third parties that may be located in countries other than where you reside, in order to provide and improve the Services for you. In addition, to help protect, grow, and improve our business, we use certain Shopify enhanced features that incorporate data and information obtained from your interactions with our Store, along with other merchants and with Shopify. To provide these enhanced features, Shopify may make use of personal information collected about your interactions with our store, along with other merchants, and with Shopify. In these circumstances, Shopify is responsible for the processing of your personal information, including for responding to your requests to exercise your rights over use of your personal information for these purposes. To learn more about how Shopify uses your personal information and any rights you may have, you can visit the Shopify Consumer Privacy Policy . Depending on where you live, you may exercise certain rights with respect to your personal information here Shopify Privacy Portal Link.
Third Party Websites and Links
The Services may provide links to websites or other online platforms operated by third parties. If you follow links to sites not affiliated or controlled by us, you should review their privacy and security policies and other terms and conditions. We do not guarantee and are not responsible for the privacy or security of such sites, including the accuracy, completeness, or reliability of information found on these sites. Information you provide on public or semi-public venues, including information you share on third-party social networking platforms may also be viewable by other users of the Services and/or users of those third-party platforms without limitation as to its use by us or by a third party. Our inclusion of such links does not, by itself, imply any endorsement of the content on such platforms or of their owners or operators, except as disclosed on the Services.
Children's Data
The Services are not intended to be used by children, and we do not knowingly collect any personal information about children under the age of majority in your jurisdiction. If you are the parent or guardian of a child who has provided us with their personal information, you may contact us using the contact details set out below to request that it be deleted.As of the Effective Date of this Privacy Policy, we do not have actual knowledge that we "share" or "sell" (as those terms are defined in applicable law) personal information of individuals under 16 years of age.
Security and Retention of Your Information
Please be aware that no security measures are perfect or impenetrable, and we cannot guarantee "perfect security." In addition, any information you send to us may not be secure while in transit. We recommend that you do not use unsecure channels to communicate sensitive or confidential information to us.
How long we retain your personal information depends on different factors, such as whether we need the information to maintain your account, to provide you with Services, comply with legal obligations, resolve disputes or enforce other applicable contracts and policies.
Your Rights and Choices
Depending on where you live, you may have some or all of the rights listed below in relation to your personal information. However, these rights are not absolute, may apply only in certain circumstances and, in certain cases, we may decline your request as permitted by law.
Right to Access / Know. You may have a right to request access to personal information that we hold about you.
Right to Delete. You may have a right to request that we delete personal information we maintain about you.
Right to Correct. You may have a right to request that we correct inaccurate personal information we maintain about you.
Right of Portability. You may have a right to receive a copy of the personal information we hold about you and to request that we transfer it to a third party, in certain circumstances and with certain exceptions.
Managing Communication Preferences. We may send you promotional emails, and you may opt out of receiving these at any time by using the unsubscribe option displayed in our emails to you. If you opt out, we may still send you non-promotional emails, such as those about your account or orders that you have made.
If you reside in the UK or European Economic Area, and subject to exceptions and limitations provided by local law, you may exercise the following rights in addition to the rights outlined above:
Objection to Processing and Restriction of Processing: You may have the right to ask us to stop or restrict our processing of personal information for certain purposes.
Withdrawal of Consent: Where we rely on consent to process your personal information, you have the right to withdraw this consent. If you withdraw your consent, this will not affect the lawfulness of any processing based on your consent before its withdrawal.
You may exercise any of these rights where indicated on the Services or by contacting us using the contact details provided below. To learn more about how Shopify uses your personal information and any rights you may have, including rights related to data processed by Shopify, you can visit https://privacy.shopify.com/en.
We will not discriminate against you for exercising any of these rights. We may need to verify your identity before we can process your requests, as permitted or required under applicable law. In accordance with applicable laws, you may designate an authorized agent to make requests on your behalf to exercise your rights. Before accepting such a request from an agent, we will require that the agent provide proof you have authorized them to act on your behalf, and we may need you to verify your identity directly with us. We will respond to your request in a timely manner as required under applicable law.
Complaints
If you have complaints about how we process your personal information, please contact us using the contact details provided below. Depending on where you live, you may have the right to appeal our decision by contacting us using the contact details set out below, or lodge your complaint with your local data protection authority. For the EEA, you can find a list of the responsible data protection supervisory authorities here.
International Transfers
Please note that we may transfer, store and process your personal information outside the country you live in.
If we transfer your personal information out of the European Economic Area or the United Kingdom, we will rely on recognized transfer mechanisms like the European Commission's Standard Contractual Clauses, or any equivalent contracts issued by the relevant competent authority of the UK, as relevant, unless the data transfer is to a country that has been determined to provide an adequate level of protection.
Changes to This Privacy Policy
We may update this Privacy Policy from time to time, including to reflect changes to our practices or for other operational, legal, or regulatory reasons. We will post the revised Privacy Policy on this website, update the "Last updated" date and provide notice as required by applicable law.
Contact
Should you have any questions about our privacy practices or this Privacy Policy, or if you would like to exercise any of the rights available to you, please call or email us at info@iccassetfinance.com or contact us at 4 Vale Lodge, Leatherhead, ENG, KT22 8JQ, GB For the purpose of applicable data protection laws, we are the data controller of your personal information.
Our services
We will endeavour to act in your best interests at all times. We will source borrowing facilities from the market that we believe are suitable to the requirements you disclose to us. When the preferred option has been agreed, we will provide you with information about the borrowing facility and the provider of this to ensure you understand your responsibilities and commitments before proceeding.
Scope of service
We source funding from a selected panel of lenders, spanning high street bank-owned finance houses and independent commercial sources aimed at specific industries or customer profiles. ICC Asset Finance has no connection, particular allegiance, bias or commercial preference for any particular finance source. Our experienced team will look to arrange and deliver a finance package to suit your circumstances, needs and requirements.
Please ask for details of the panel of lenders we use if you require this information.
In this role we are doing no more than effecting an introduction between You and the lenders to enable you to choose a finance product which, in your sole opinion, is suitable for you. We are not your agent or otherwise acting on your behalf and there is no duty upon us to provide you with impartial advice, information or recommendations.
Data Protection
Any information that you provide us with in the course of your application for finance will be kept securely in accordance the terms of the Data Protection Act (ICC Asset Finance are registered under No. ZC112950) . The information we collect will be only what is necessary and specific to your application and will only be kept for as long as necessary. You may make an application in writing to see any information we hold on you.
You will be asked to provide photo ID and proof of address. You will also need to sign our Data Protection Authority giving us permission to search you. Permission to search will be required from all directors and beneficial owners of your business.
When we provide services to you we will need to gather information about your personal circumstances. The information you provide to us will be subject to the Data Protection Act (the “Act”). By signing our Data Protection Authority you consent to us or any company associated with us processing, both manually and by electronic means, your personal data for the purposes of providing advice, administration and management.
“Processing” includes obtaining, recording or holding information or data, transferring it to other companies associated with us, lenders or statutory, governmental or regulatory bodies for legitimate purposes including, where relevant, to solicitors and/or other debt collection agencies for debt collection purposes and carrying out operations on the information or data.
Our Privacy Notice is issued as a separate document.
For processing of data to be lawful under GDPR ICC Asset Finance use;
a) Consent: the individual has given clear consent for ICC Asset Finance to process their personal data for a specific purpose.
b) Contract: the processing is necessary for a contract ICC Asset Finance have with an individual, or because they have asked you to take specific steps before entering into a contract.
c) Legal obligation: the processing is necessary for ICC Asset Finance to comply with the law (not including contractual obligations).
d) Legitimate interests: the processing is necessary for ICC Asset Finance’s legitimate interests of a third party unless there is a good reason to protect the individual’s personal data which overrides those legitimate interests.
In order to provide services to you we may be required to pass your personal information to parties located outside of the European Economic Area (EEA) in countries that do not have Data Protection Laws equivalent to those in the UK. Where this is the case, we will take reasonable steps to ensure the privacy of your information.
We may also contact you or pass your details to other companies associated with us to contact you (including by telephone) with details of any other similar products, promotions, or for related marketing purposes in which we think you may be interested.
If at any time you wish us or any company associated with us to cease processing your personal data or sensitive personal data, or contacting you for marketing purposes, please contact Ben Raincock on 07555 730060, Ben@iccassetfinance.com or in writing to ICC Asset Finance Ltd, 4 Vale Lodge, Downs Lane, Leatherhead, Surrey KT22 8JQ.
You may be assured that we and any company associated with us will treat all personal data and sensitive personal data as confidential and will not process it other than for a legitimate purpose.
Steps will be taken to ensure that your information is accurate, kept up to date and not kept for longer than is necessary. Measures will also be taken to safeguard against unauthorised or unlawful processing and accidental loss or destruction or damage to the data.
Subject to certain exceptions, you are entitled to have access to your personal and sensitive personal data held by us. You may be charged a fee (subject to the statutory maximum) for supplying you with such data.
The process
Once we have obtained all the necessary information from you, we will approach lenders appropriate to your needs and circumstances with a view to obtaining an offer of finance. We may secure more than one offer of finance. When an agreeable offer is received you will be asked to sign that particular lender’s finance documents and then, within a specified time frame, the funds will be transferred to the appropriate party.
Should any offer of finance we arrange require a personal guarantee or indemnity, we may also be able to arrange an insurance policy to reduce your liability. Please ask your ICC Asset Finance contact.
Our charges
ICC Asset Finance does not charge fees to customers that fall under regulation by the Financial Conduct Authority. For clients that fall outside of regulation we may charge a fee depending on the complexity or challenging nature of your circumstances. This fee is not refundable as it is to cover our time and expertise in assisting with your enquiry.
If a fee is agreed, it is payable within 7 days of the date of our invoice.
In consideration for the work and expertise we put into finding you a finance deal we get paid a commission by the finance company and continuing to instruct us you are confirming that you have no objections to us receiving this commission. The existence and nature of commission arrangements where the commission varies depending on the lender, product or other permissible factors will always be disclosed upon request.
You do not have to accept any finance offer sourced by us on your behalf.
Client acknowledgement
You acknowledge that:
You have been advised to seek such independent advice as you consider necessary.
You are aware that we may receive a commission from a lender for introducing you to them and you have no objections to us receiving this amount. If you wish to receive any further information concerning the commission paid to us by the lender, please let us know in writing.
ICC Asset Finance are not tax advisors, if you require taxation advice, please refer to your accountant or specialist advisor, this includes VAT enquiries.
Facilities we may be able to offer:
Below is a brief overview of the facilities which may be available to you. Please do not rely on these general descriptions but refer to the specific information in the finance documents you sign.
Hire purchase/lease purchase
You will pay an initial deposit followed by regular payments until the end of the agreed period. You will pay interests on your payments and will own the equipment at the end of the agreement providing you have paid all the monies due.
Conditional Sale
This is similar to hire purchase but you are obligated to take possession of the goods at the end of the term of the agreement.
Lease
This is a long-term hire agreement at the end of which you will not automatically take legal title to the goods acquired. You will make payments for the primary period. All payments made under a lease agreement attract VAT at the prevailing rate. Once the primary period has ended the equipment can be sold. You may receive a share of the proceeds or you may continue paying reduced secondary rentals but you will never own the equipment directly.
There are several variants of a finance lease products. Please refer to your ICC Asset Finance representative for the specific terms of the lease document you are considering.
Commercial Loan
This is a loan obtained typically to fund expenditure or cover project or operation costs which the company may otherwise be unable to afford.
Invoice Finance
Invoice Finance provides cash flow to a business by releasing value tied up in outstanding customer invoices.
Trade Finance
Trade finance is used when financing is required by buyers and sellers to assist them with the trade cycle funding gap. Buyers and sellers can also choose to use trade finance as a form of risk mitigation.
Stock Finance
Stock finance is a mechanism which releases working capital from stock such as finished goods or raw materials, which works by lenders purchasing stock from a seller on behalf of the buyer or funding against inventory.
ABL
Asset-based lending (ABL), generates finance against a company’s existing assets including stock, debtors, plant, machinery and property. The arrangement is usually in conjunction with debtor finance, factoring or invoice discounting.
What to do if you can’t make repayments
Please contact ICC Asset Finance immediately and we will seek to discuss your circumstances with the provider of your finance agreement. Please note that assets are at risk of repossession and personal guarantees (if provided) may be enforced which could result in personal financial loss and/or loss of personal assets.
Complaints
Our aim is to provide you with a professional and confidential service that delivers the highest possible standards. However, there may be occasions where you feel this has not been achieved.
Should you wish to make a complaint about any aspect of the service we provide to you, a summary of our internal complaints handling procedures for the reasonable and prompt handling of complaints is available on request. If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at www.financial-ombudsman.org.uk or by contacting them on 0800 023 4567.
If you are not happy with the service you have received from ICC Asset Finance Ltd in the first instance you should contact us.
We will acknowledge receipt of your complaint promptly and provide a written summary of our findings and conclusion by the close of 3 business days following receipt. If your complaint cannot be resolved within 3 business days, we will ensure that you are regularly kept informed of our progress with regards to the investigation.
We will endeavour to send you our final decision letter within 8 weeks of your complaint. If we are unable to complete our investigations within 8 weeks, we will send confirmation of this in writing along with an explanation as to why we have been unable to complete our investigations within this timescale. We will confirm when you can next expect contact from us. At this stage, you may be entitled to refer your complaint to the Financial Ombudsman Service.
Also, if you have received our final decision letter and are not satisfied with the response you may refer your complaint directly to:
The Financial Ombudsman Service.
They are open: Monday to Friday – 8am to 8pm
Saturday – 9am to 1pm
- 0800 023 4567
calls to this number are normally free for people ringing from a “fixed line” phone – but charges may apply if you call from a mobile phone
- 0300 123 9123
calls to this number are charged at the same rate as 01 or 02 numbers on mobile phone tariffs
These numbers may not be available from outside the UK – so please call +44 20 7964 0500 if calling from abroad.
Email: complaint.info@financial-ombudsman.org.uk
In writing: The Financial Ombudsman Service, Exchange Tower, London E14 9R
Termination
This agreement continues for a period of 3 years from the date we first introduce you to a Lender at which stage, should you by then have not entered into a finance agreement, it will lapse. Should you then wish to continue receiving our credit broking services you may request that we renew it.
Broker Terms and Conditions
Your duty to Us
The Client agrees to be act with utmost good faith in the provision of information to The Broker. The duty is continuous and applies to all the information the Client provides, whether The Broker has asked for it or whether The Client has provided it voluntarily. The Client agrees not to withhold information from the Broker.
Exclusions
The Client accepts that The Broker shall have no liability for any economic loss (whether direct, indirect or consequential) insofar as it relates in any way to loss of business, loss of Client data, interruption of business or loss of profits or goodwill because of the manner of performance by The Broker of any obligations arising under The Agreement. This exclusion of liability will not, however, otherwise affect any statutory rights of The Client.
Choice of Law
The Agreement shall be construed in accordance with English Law and the parties irrevocably agree to submit to the exclusive jurisdiction of the English Courts.
Your consent
We intend to rely on this document for the services we provide to you and request that you provide your agreement to the Data Protection section above. For your own benefit and protection, you should read these terms carefully before signing them. If you do not understand any point, please ask for further information.