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Terms of Business

STATUS:
Hippo Vehicle Solutions Limited offers a wide range of used vehicles to purchase or lease as well as the ability to offer our client’s vehicle related insurance products onsite and the offering of vehicle funding should they require it. Our services include Vehicle knowledge and related products and services when helping you choose a suitable vehicle for your needs advising you on your insurance options, arranging your insurance cover with insurers and assisting you with any subsequent event or alteration to the vehicle sale, insurance and vehicle funding that you have placed with ourselves.

REGULATION:
Hippo Vehicle Solutions Limited undertakes to comply with the Financial Conduct Authority (FCA) for the selling of general Insurance and vehicle funding advice. Our FCA Firm reference number is 658076. Hippo Vehicle Solutions Limited trading as Hippo Motor Group, is an Appointed Representative of Autoprotect MBI Ltd for insurance mediation purposes. Autoprotect MBI Ltd is authorised and regulated by the Financial Conduct Authority, its firm reference number is 312143.We also act as an introducer appointed representative of Reich Chestnut Ltd who regulated by the Financial Conduct Authority FRN: 498639, the reason we do this is to ensure that all our customers have the option to use their services to search the market place for competitive insurance surrounding their purchase and or a free full insurance review. We are also separately registered under the Data Protection Act number Z1246427.

CHARGES/ CANCELLATION FEES:
The Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013. If we deliver a car to a private customer (not a business) without meeting them face to face the sale will be governed by these regulations. This gives you certain rights that are explained below.Contract: The Company’s Sales Executive that you deal with will send you an order form detailing

•The main characteristics of the goods.•Our address and contact details.
•The total price of the goods.
•Details of any additional delivery charges or other costs.
•The arrangements for payment and delivery.

Cancellation: You have the right to cancel this contract, in writing within 14 days from the day you take collection. A model form for cancellation can be found on our website or requested from us by emailing: [email protected] or calling the telephone number at the footer of this document.

Return of Vehicle: On receipt of this notice of cancellation we will contact you to confirm arrangements for collection of the vehicle. You may arrange for the return of the vehicle to us, or we will collect it at a cost of £1 including VAT per mile for the distance recorded between the Company's premises and your address as shown on a web based distance calculator of the Company’s choice. You are required to make the car available for collection at a pre-determined date and time within 30 days of the delivery date.

Mileage and Condition: On collection the car must not have travelled more than 10 miles since delivery and must be in the same condition as it was when delivered. Any deterioration recorded at the time of collection will be valued when the car arrives at the Company's premises and details of these costs will be notified to you. Excess mileage above the 10 miles will be charged at 10% of the vehicle purchase value per 100 miles or part thereof.

Refund: Your refund will be executed in the same way that payment was made originally by you and will be made within 30 days following delivery. n all other circumstances, cancellation will only be accepted at the discretion of Hippo Leasing, and subject to payment of all reasonably resulting costs and/or losses. Hippo leasing reserve the right to charge a cancellation fee of 3 times the monthly payment plus VAT and withhold any deposit. Any costs incurred by debt collection agents in the course of collection of this sum will also be payable. If for any reason the specified vehicle is not delivered, Hippo Motor Group will not be held responsible for any losses incurred.

DISCLOSURE OF INFORMATION:
It is your responsibility to ensure that all information, statements or answers made by you to us or your insurers, are correct and complete as any failure to disclose facts material to ourselves, the finance/leasing company or the insurance provider direct may result in inaccuracies in your answers which may invalidate your insurance cover in part or in whole. Facts material to the insurance are matters or information which might influence your insurer as to the acceptability or otherwise of your proposal or renewal and must be disclosed at the first opportunity and during the term of the insurance contract. These facts include, but are not limited to, previous and outstanding claims, changes to your address, occupation or use of the vehicle, prosecutions whether involving a motor vehicle or not and medical conditions that are notifiable to the DVLA.

CLAIMS:
All claims handling information is detailed on your policy documentation given to you by us and the procedure should be followed to ensure consistency. If you contact our offices direct to make a claim on an insurance product we will guide you on whom to contact in this instance to ensure your claim is logged with the provider and actioned accordingly however we will not handle your claim internally from start to finish. Please refer to your policy documentation from the provider re your right to make a claim including contact details.

CONFIDENTIALITY:
Unless required by law, public interest, our regulator the Financial Conduct Authority, or with your prior written consent, all information you supply will be kept confidential by Hippo Vehicle Solutions Limited, its member companies and the parties involved in the normal course of arranging and administering your insurance or vehicle finance/Lease.

RIGHT OF INSPECTION:

We keep records of all business transactions for at least six years. You may inspect details at any time but we treat all client records as confidential, so we reserve the right to give you copies of your particular record, rather than allow access to full files containing records, about other clients.

DATA PROTECTION:
Under the Data Protection Act 1998 you have the right to see personal information about you that we hold in our records. Should you wish to exercise this right a small administration fee may be incurred. If you have any queries please write to us at Hippo Vehicle Solutions Limited, Trident Park, Trident Way, Blackburn, BB1 3NU. We may share information about you and the conduct of your account with affiliated companies: to provide you with the service applied for; to assist in servicing your other relationships with affiliated companies; to assist in making credit decisions; for the purpose of fraud prevention (if you have provided false or inaccurate information and fraud is suspected, this will be recorded), audit or debt collection; so that services may be processed on your behalf; other third parties: to help resolve complaints; for the purpose of fraud prevention, audit or debt collection; or so that services may be processed on your behalf. We may contact you by post, telephone or email with information about our services and those of affiliated companies and about services of carefully selected third parties that we feel from the information we hold about you may be of interest to you. If you would prefer not to receive such information please write to us at Hippo Vehicle Solutions Limited, Trident Park, Trident Way, Blackburn, BB1 3NU.

POLICY TERMS & RETURN PREMIUM:
You must carefully read all insurance documents and vehicle finance/Leasing documents that we send you, including the wear and tear company guidelines document that will explain what will and will not be covered by ourselves to ensure they meet with your requirements. If you are in doubt over any of the policy terms or conditions please contact us immediately for clarification. Policy documents are available upon request. All returns of premium following cancellation or adjustment will be detailed within your policy documentation, please read this carefully before cancellation of a policy. Note: for the avoidance of doubt insurance premium tax and fees are non-refundable.

AMENDMENTS & CLIENT MONEY:
 Should an amendment to the contract be made, we reserve the right to apply an administration charge to cover the cost of the extra work involved in such amendments. See Key Facts Document for further details. In respect of asset protection insurance transactions, we hold a risk transfer agreement with our selected insurer for premiums claims and premium refunds. On this basis, we are not required to have permission from the regulator to hold client money.

FRAUD PREVENTION AND DETECTION:
To prevent and detect fraud we may at any time: Share information with other organisations and public bodies including the police although we only do so in compliance with the Data Protection Act 1998.Check and/or file details with fraud prevention agencies and databases and if we are given false or inaccurate information and we identify fraud, we will record this. We and other organisations may also use and search these agencies and databases from the UK and other countries. We, and other organisations that may access and use information recorded by fraud prevention agencies, may do so from other countries.We can provide the names and addresses of the agencies we use if you would like a copy of your information held by them. Please contact us on 01254 919000. The agencies may charge a fee.

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