Please read these terms and conditions carefully before using this website. By using the website, you accept these terms in full. If you disagree with any part of these terms, you should not use the website.

1. Who Operates This Website

This website is operated by Car Credit Expert, a trading style of IHMC Ltd (company number 10356024), of 265 Berkhampstead Road, Chesham, Bucks, HP5 3AS. Car Credit Expert operates in partnership with HMC, an independent used vehicle dealership based at the same address.

2. Credit-Broker Status

IHMC Ltd is authorised and regulated by the Financial Conduct Authority (FCA reference number 767708) for credit-broking activities. We act as a credit broker, not a lender. We work with a panel of selected finance providers and may introduce you to one or more of them; we do not lend money ourselves.

3. No Guarantee of Finance Acceptance

Submitting an enquiry or finance application does not guarantee acceptance, a particular interest rate or the availability of a specific finance product. Any finance offer is subject to status, affordability, identity and fraud-prevention checks, lender criteria, vehicle eligibility and final approval by the finance provider.

4. No Guarantee of a Stated Interest Rate

Any rates, monthly payments or representative examples shown on this website are illustrative and based on assumptions about credit status and other factors. They do not constitute an offer of finance at that rate. The rate you are individually offered, if any, will depend on your own circumstances and the lender’s assessment.

5. Lender Assessment and Final Decision

Where we introduce your application to a finance provider, that provider — not Car Credit Expert or HMC — makes the final lending decision. Lenders carry out their own credit, affordability, identity and fraud-prevention checks, and may decline an application even where we consider it suitable to put forward.

6. Indicative Finance Calculators

Finance calculations displayed on the website are illustrative only unless expressly stated otherwise. They are not a quotation or offer of credit. The actual deposit, APR, monthly payment, agreement term and total amount payable may differ.

7. Representative Examples

Representative examples shown on this website are provided to give a general indication of typical costs and are calculated using assumed figures for the amount borrowed, term and rate. They may not reflect the rate or terms available to any individual applicant. At least 51% of customers who are accepted for a representative-example finance product would expect to receive that rate or better; other customers may be offered a different rate.

8. Vehicle Availability and Pricing

Vehicles shown on this website reflect a snapshot of stock available through HMC and may be sold, reserved or have their price changed at any time without notice. We recommend confirming availability and current pricing before travelling to view a vehicle or proceeding with an application connected to a specific vehicle.

9. Part-Exchange Estimates

Any part-exchange valuation or estimate provided through this website is indicative only. A final valuation is subject to physical inspection of the vehicle, confirmation of its condition, mileage, documentation and history, and may differ from any initial estimate given.

10. Warranty Information

Warranty information described on this website is general in nature. The exact warranty term, provider and level of cover applicable to a specific vehicle will be confirmed before purchase and is governed by the relevant warranty policy documentation, not by this website.

11. Accuracy of Website Information

We try to ensure that information on this website is accurate and up to date, but we make no representation, warranty or guarantee that it is complete, current or error-free. Vehicle specifications, pricing, finance figures and other content may change without notice, and errors or omissions may occasionally occur.

12. User Responsibilities

When using this website, including any enquiry or application form, you must provide information that is accurate, current and not misleading, and you must not impersonate any other person or misrepresent your affiliation with any person or entity.

13. Prohibited Website Use

You must not use this website in any way that causes, or may cause, damage to the website or impairment of its availability; in any way that is unlawful, fraudulent or harmful; or in connection with any unlawful, fraudulent or harmful purpose. You must not conduct any systematic or automated data-collection activity (including scraping) on or in relation to this website without our express written consent.

14. Intellectual-Property Rights

Unless otherwise stated, we (or our licensors) own the intellectual-property rights in the website and material on it, including text, graphics, logos and images. These works are protected by copyright and other laws. All such rights are reserved.

15. Third-Party Websites

This website may contain links to third-party websites, including hmc.co.uk and finance-provider websites. We do not control and are not responsible for the content or availability of any linked third-party website, and including a link does not imply endorsement of it.

16. Website Availability and Security

We do not guarantee that this website, or any content on it, will always be available or uninterrupted. Access may be suspended, restricted or withdrawn without notice, including for maintenance or updates.

17. Limitation of Liability

Nothing in these terms excludes or limits our liability for death or personal injury caused by negligence, for fraud, or for any other liability that cannot lawfully be excluded or limited. Subject to that, we will not be liable for any indirect or consequential loss arising from your use of this website. This clause does not affect your statutory rights as a consumer.

18. Privacy and Cookies

Your use of this website is also governed by our Privacy Policy, which explains how we collect and use personal information.

19. Changes to These Terms

We may revise these terms from time to time. The revised terms will apply from the date they are published on this website, so please check this page periodically.

20. Governing Law and Jurisdiction

These terms are governed by and construed in accordance with the law of England and Wales. Any dispute relating to these terms or this website will be subject to the exclusive jurisdiction of the courts of England and Wales.

21. Contact Details

Car Credit Expert by HMC
265 Berkhampstead Road
Chesham
Bucks
HP5 3AS
Telephone: 01895 814 814
Email: mail@carcreditexpert.co.uk

Car Credit Expert is a trading style of IHMC Ltd (company number 10356024), authorised and regulated by the Financial Conduct Authority (FCA number 767708) for credit brokerage. We act as a credit broker and not a lender.