Lease4Less Terms & Conditions
Lease4Less Terms & Conditions
Lease4Less Terms & Conditions
- Overview
These Terms & Conditions govern the relationship between Promas Enterprises Limited t/a Lease4Less (“Lease4Less”, “we”, “us”, “our”) and you (“Customer”). They set out the basis on which we provide credit broking and vehicle procurement services.
Lease4Less is a credit broker, not a lender.
Company No: 05358394
VAT: 861988176
Registered Office: 1 City Approach, Floor 9, Suite 1, Albert Street, Eccles, Manchester, M30 0BL.
FCA Firm Reference No: 659329
BVRLA Membership No: 1484
ICO Registration No: Z9101038.
We provide two distinct services: (1) sourcing an appropriate finance product from a suitable funder based on the information you provide; and (2) sourcing and procuring your chosen vehicle from a supplying dealership. These services are separate; cancellation of one does not automatically cancel the other.
- Website Terms and Conditions
2.1 Accessing the Website
You are responsible for ensuring access to the Website and that anyone using your internet connection complies with these Terms. If you do not agree, you must not use the Website. Lease4Less may modify or withdraw the Website without notice and is not liable for any modification or withdrawal.
2.2 Information on the Website
We take reasonable care to ensure vehicle details, descriptions and pricing are accurate at publication. Some content is supplied by third parties (e.g., CAP Automotive Limited) who receive information from manufacturers. Images are illustrative and may not represent the exact vehicle. Vehicles are new and unregistered unless stated otherwise. All credit is subject to status.
2.3 Updates and Accuracy
Website content may not always reflect exact specification or price at the time of ordering. You acknowledge content may contain inaccuracies or errors; we exclude liability for such inaccuracies to the fullest extent permitted by law. Your use of the Website is at your own risk.
2.4 Intellectual Property and Third‑Party Links
Website content is owned by or licensed to us. Reproduction is prohibited unless permitted by our copyright notice. Links to third‑party sites are provided for convenience only; we do not endorse them and accept no responsibility for their content.
2.5 Jurisdiction
Your use of the Website and any dispute arising from such use is governed by the laws of England and Wales.
- Making an Enquiry, Credit Searches and Data Protection
3.1 Making an Enquiry
You may enquire via the Website or by telephone. Calls may be recorded for training, quality and monitoring. If you are a regulated customer (A private individual, A sole trader or a small partnership (typically 3 or fewer partners)) we will not begin providing our services to begin sourcing a vehicle during the statutory 14-day cancellation period unless you expressly request early commencement of services during this period. If you request early commencement of services during this period, you acknowledge that work will begin immediately, that fees may become payable, and that your statutory cancellation rights may be affected.
3.2 Information Required
You must provide complete and accurate information, including personal data (which may include special category data). Failure to provide requested information may prevent us from proceeding.
3.3 Credit Searches
Funders may undertake credit searches, which may leave a footprint visible to other lenders. If you act on behalf of a business or another individual, you confirm you have authority to do so.
3.4 Data Protection
We process personal data in accordance with UK GDPR and the Data Protection Act 2018. We act as Data Controller for data you provide. We share personal data only with: (i) the relevant finance company; (ii) law enforcement or fraud prevention agencies where legally required; and (iii) third parties where a legitimate business need exists. Where you provide third‑party data, you confirm you have consent or another valid lawful basis.
3.5 Data Storage and Retention
We store data securely. We do not retain card information. Card details given verbally are suppressed from call recordings; any written card details are destroyed immediately after processing.
3.6 Marketing Consent
We will only send marketing where you have opted in. You can withdraw consent at any time.
3.7 Voice Recording Policy
Calls may be recorded; recordings may be used to resolve disputes; you may request access to your data; recordings are encrypted and stored securely.
3.8 Changes to Circumstances
Notify us immediately of any changes to your name, address, contact details or other relevant circumstances that may impact your application.
- Pricing, Quotations and Making an Order
4.1 Pricing and VAT
Prices represent the best available rates from our funder panel at the time of issue and may change without notice. Prices exclude VAT for business users and include VAT for consumers. VAT is charged at the prevailing UK rate and may be adjusted if the rate changes before delivery or contract activation.
4.2 Vehicle Delivery Costs
Unless stated otherwise, delivery to UK mainland addresses is included. Standard delivery means road‑driven delivery. Trailer delivery is available upon request at additional cost.
4.3 Quotations
Quotations are valid for 14 days unless withdrawn earlier and are not an offer or guarantee of approval. Approval and pricing depend on underwriting criteria, vehicle availability and market conditions. You are responsible for the accuracy of information you provide.
4.4 Vehicle Specification
Specifications shown are for guidance. Manufacturers may amend specifications without notice. You must verify the final specification with the manufacturer before ordering.
4.5 Forming an Order
We will process an order once you sign our Order Form. A contract with Lease4Less is formed when: (1) you have signed the Order Form; (2) you have paid the Vehicle Processing Fee; and (3) you have entered into a finance agreement with the relevant funder. If you sign the Order Form before the finance agreement, fulfilment does not commence until funding is approved and executed.
4.6 Vehicle Processing Fee
A Vehicle Processing Fee (standard £250 + VAT unless stated otherwise on your quotation/order) is payable when the Order Form is signed. It covers administrative work including order processing, supplier liaison and linking the quotation to the funder. The Vehicle Processing Fee becomes non‑refundable once services have commenced, including where you request early commencement during any statutory cancellation period.
4.7 Deposits
We may require a refundable deposit for certain vehicles (e.g., unusual builds, vehicles with options, special‑offer stock). You will be notified in writing before we accept the order. Deposits are held in a client account and refunded after delivery (subject to any agreed deductions) or if no contract is concluded.
4.8 Funding Approval
Meeting one funder’s criteria does not guarantee approval by another. We may request additional information to support your application.
4.9 Order Timelines
If you do not provide requested information within 14 business days, the quotation may lapse and require reissue.
4.10 Funder Terms & Conditions
These will be provided to you with your finance documents. Should you require these in advance of placing an order please request them.
4.11 Your Understanding of the Agreement
You must make us aware of any circumstances that would prevent your understanding of either these Terms and Conditions or the finance providers Terms and Conditions.
4.12 Usage of the Vehicle
By signing an order form with us you are confirming that you are going to be the main driver of the vehicle.
- Order Procedure, Delivery and Documentation
5.1 Order Procedure
A signed Order Form is required before a vehicle can be ordered. Orders are signed electronically unless a paper copy is requested. Ensure all information in the Order Form is accurate.
5.2 Vehicle Processing Fee
The Vehicle Processing Fee is payable when the Order Form is signed. The Vehicle Processing Fee becomes non‑refundable once services have commenced, as it reflects work already undertaken.
5.3 Specification Confirmation
We may provide a specification guide or manufacturer link. Specifications can change; you must verify with the manufacturer.
5.4 Luxury Car Tax
Luxury Car Tax - If the P11D stated on your quotation is less than £40,000, or £50,000 for Pure Electric Vehicles, the following statement applies. Should the Manufacturer increase the List Price of the vehicle before delivery, resulting in the P11D value at the point of registration exceeding £40,000, you will be obligated to pay an annual road fund licence surcharge. New cars with a list price of £40,000 or £50,000 for Pure Electric Vehicles will incur the additional rate for five years from the commencement of the second years road fund licence. Please note that this surcharge has not been factored into your quotation.
5.5 Documentation Requirements
Before finance documents are released, you must provide valid photo ID, recent proof of address and any funder KYC documents. You must hold a valid full UK driving licence (certain overseas licences may be accepted subject to funder approval).
5.6 Preconditions to Delivery
Delivery will only be arranged once the finance agreement is executed, required documents verified, and all sums due to us have been paid. It is your responsibility to ensure that fully‑comprehensive insurance is in place for the vehicle.
5.7 Estimated Delivery Dates
Estimated delivery dates are indicative only and may change due to manufacturer delays or factors outside our control. We accept no liability for costs arising from delay. If more than 90 days elapse from the original estimated delivery date and we cannot supply the ordered vehicle or a suitable alternative, you may cancel without a cancellation fee and the vehicle processing fee will be refunded.
5.8 Delivery Conditions
You must be present at the agreed delivery address and time. For all Personal Contract Hire and Regulated Contract Hire agreements the delivery address must be your home address. Deliveries are typically Monday–Friday 9:00–17:30. If access is unsafe or you are not present, delivery may be aborted and a re‑delivery charge may apply.
5.9 Inspection on Delivery
Inspect the vehicle on delivery and record any damage or missing items on the delivery note. Signing the delivery note without comments may result in liability for later‑identified issues.
5.10 Failure to Take Delivery
If you fail to take delivery within 30 days of our written notification that the vehicle is ready, we may deem the order cancelled, retain any deposit, charge applicable cancellation fees and recover additional costs incurred, such as dealership stocking charges and administrative expenses.
5.11 Mileage and Delivery Method
Deliveries are road‑driven unless trailer delivery is requested (additional charge). Contract mileage begins from the mileage on the delivery note.
5.12 Cooling off period.
The Agreement (if a Regulated Agreement (for a private individual, a sole trader or a partnership with up to 3 partners)) may allow for a statutory cooling off period for which the Customer may be entitled to cancel the Agreement. We will not normally commence services or arrange delivery during this period unless you expressly request early commencement of services. The cooling off period does not begin until you have signed your finance documents and returned them to us.
5.13 Commission Disclosure
We will receive financial remuneration which may be variable or pre-set dependent on the product, type of agreement and the volume that we place with that organisation. This may be reflected in the monthly payments made by you. The amounts that we receive may vary. We will make you aware of these amounts at the earliest opportunity and before you enter into a financial contract with the Lender. You will not receive advice or a recommendation from us. We have provided you with product information enabling you to make your choice about how to proceed. Lease4less does not provide independent financial advice, we are not all of market and we do not offer alternative products beyond Personal Contract Hire, Business Contract Hire or Finance Lease. As we are a credit broker and have a commercial relationship with the lender, the introductions we make are not impartial, but we will make introductions in line with your needs, subject to your circumstances Please view our commission disclosure policy for further details.
- Cancellation Policy
6.1 Customer Classification
Your rights and obligations depend on your classification.
Regulated Customers:
- An individual consumer
- A sole trader
- A small partnership (typically 3 or fewer partners)
Non-Regulated Customers:
- Limited companies
- Limited liability partnerships (LLPs)
- A registered charity or other incorporated body
Non-Regulated Credit Agreements
Certain credit agreements class as non-regulated finance due to their exempt status under the Consumer Credit Act 1974. Credit agreements with non-regulated consumers, short term, interest free, or agreements valued over £25,000, are not regulated by the Financial Conduct Authority (FCA) and therefore are not under the remit of consideration from the Financial Ombudsman Service (FOS).
We are only able to offer finance products from our affiliated providers. Credit agreements offered to regulated consumers are protected under the Consumer Credit Act 1974. Any complaints you have relating to regulated finance products afford you the right to contact the Financial Ombudsman Service (FOS), who offer impartial advice free of charge.
6.2 Your Right to Cancel (Regulated Customers Only)
If you are a regulated customer, you have the right to cancel your order within 14 days of signing your order form.
Default Position:
We will not begin providing services during this 14-day cancellation period.
Early Commencement of Services:
If you wish us to begin work immediately, you must provide consent and confirm this.
By doing so:
You request immediate commencement of services during the 14-day cancellation period, you may still exercise your statutory cancellation rights, however you may become liable for reasonable charges for services already provided up to the point of cancellation.
6.3 Vehicle Processing Fee
The Vehicle Processing Fee (£250 + VAT) reflects genuine work already undertaken, including but not limited to Preparing and processing your vehicle order, submitting the order to the supplying dealership, securing pricing with finance providers, and administrative and compliance work. Once work has begun, this fee is non-refundable.
6.4 Cancellation After 14 Days
If you cancel your order after 14 days, the following applies:
Cancellation Timing
Fee (excl. VAT)
Fee (incl. VAT)
15–28 days
£250
£300
After 28 days
£500
£600
Fairness & Case-by-Case Review:
- All cancellation fees are reviewed on a case-by-case basis
- The fee may be reduced where appropriate
- We will only retain charges that reflect reasonable and justifiable business costs
These costs may include:
- Administrative processing
- Know Your Customer (KYC) and compliance checks
- Finance application handling
- Vehicle stock reservation or removal from sale
- Allocation of factory build slots
- Supplier engagement and processing
6.5 Additional Dealership Charges
Where a supplying dealership imposes charges directly resulting from your cancellation (for example where a vehicle has entered build or been allocated), you may be responsible for those reasonable charges. Evidence of such charges will be provided upon request.
We will make reasonable efforts to inform you of any such charges and minimise costs where possible.
6.6 Non-Regulated Customers
Non-regulated customers do not benefit from statutory cancellation rights. Any cancellation will be subject to the above charges.
- Maintaining the Vehicle
You must maintain the vehicle to manufacturer schedules. Failure may invalidate warranty, result in funder re-charges and lead to repair costs. If your agreement includes either a funder-maintained package or a 3rd Party Maintenance Package you must book servicing/maintenance via their approved suppliers. Failure to follow funder instructions may incur charges. Please refer to the Funder or 3rd Party Terms and Conditions for inclusion and exclusions on what maintenance is covered. Road Fund Licence (RFL) is provided by the funder for the contract duration. On Finance Lease, RFL may be recharged annually. Any RFL increases may be passed on to you. The manufacturer warranty applies unless otherwise stated. Lease4Less does not provide any warranty. You must keep the vehicle roadworthy, legally compliant and fully comprehensively insured for the entire term.
- End of Contract
We will contact you approximately six months before contract end to discuss options. Keep your contact details up to date. Arrange collection at least 28 days in advance. We can assist, though some funders require your direct instruction. If a cherished plate is fitted, allow up to 56 days for removal before collection. Return condition must meet the BVRLA Fair Wear & Tear Standard (available on request). You may be charged for excess wear and tear, missing items and damage. It is often cheaper to repair damage before return. If the vehicle is more than three years old on return, it must have a valid MOT (some funders require at least one month’s MOT remaining). The funder may refuse collection without a valid MOT, which may cause additional lease charges. The vehicle must be roadworthy and safe for collection. Aborted collection fees may apply if you are absent, the vehicle is unsafe or you cannot be contacted. Informal extensions may be billed by the funder at a pro-rata daily rate.
- Intellectual Property
Website content (text, graphics, logos, images, layout) is owned by or licensed to Lease4Less and is protected by copyright, trade marks and other IP rights. You must not reproduce, distribute or modify any materials for commercial purposes without our prior written consent. Unauthorised use may give rise to a claim for damages and/or constitute a criminal offence.
- Liability and Indemnity
Nothing in these Terms limits or excludes liability for death or personal injury caused by negligence, fraud, or any other liability that cannot be limited by law. Except as stated above, we are not liable for: (i) losses arising from reliance on Website content; (ii) indirect or consequential loss; (iii) loss of profit, business or revenue; (iv) delays in vehicle delivery outside our control; or (v) specification inaccuracies from third-party sources. Our maximum aggregate liability under these Terms shall not exceed the total Vehicle Processing Fee paid by you. You agree to indemnify us for losses arising from your breach of these Terms.
- General Terms
11.1 Complaints
Details of our complaints procedure are available at https://lease4less.co.uk/lease4less-complaints-handling-procedure or on request. We also disclose commission: https://lease4less.co.uk/lease4less-commission-disclosure
11.2 Force Majeure
We are not liable for failure to perform due to events beyond reasonable control including, without limitation, national emergency, pandemic, war, governmental action, strikes, power failure, supplier issues, changes to import tariffs or other events outside our control. If such an event continues for more than two months, either party may terminate these Terms.
11.3 Third‑Party Rights
No third party has rights to enforce these Terms under the Contracts (Rights of Third Parties) Act 1999.
11.4 Whole Agreement
These Terms constitute the entire agreement and supersede prior statements or representations. Nothing excludes liability for fraud or fraudulent misrepresentation.
11.5 Waiver and Severability
Failure to enforce any clause is not a waiver. If any clause is found invalid or unenforceable, the remainder remains in force.
11.6 Governing Law and Jurisdiction
These Terms and any dispute or claim (including non‑contractual disputes/claims) are governed by the laws of England and Wales. The parties submit to the exclusive jurisdiction of the courts of England and Wales.
