Before using our website, please ensure that you read through the following information. If you do not agree to our term and conditions, please leave the website immediately. Content of the website including our terms and conditions, are subject to change without notice. 

Our websites products and service are designed to be accessed through the main home page, accessing the website using another method may limit information and products you may be provided with. 

Governed law 

This website is governed by and construed in accordance with the British law and subject to any changes made by Her Majesty’s courts and Tribunals Services. Products and services provided on this page are not directed at any individual or entity, and any transactions made outside of this country must comply with the standards and jurisdictional regulations in the country of interest. 

No liability

Information that has been provided by 101 finance in good faith believed to be accurate, however, 101 Finance will not be liable for any loss or damage whatsoever. All information provided on the website is subject to personal circumstance, you should obtain personal professional advice before making an investment decision. It is advisable that before acting on the information compiled on the website that you get in contact with 101 Finance office.  

101 Finance reserves the right to discontinue this webpage or any part of it without any notice provided and will not be liable to you or any third-party companies. 

101 Finance shall not be liable for any losses or damages of any kind arising out of your use or inability to use this website, or in connection with any error, omission, or defect contained on this website. Furthermore, 101 Finance accepts no liability in respect of losses or damages arising out of changes made to the content of this website by unauthorised third parties. 

Access to and use of this website is at your sole risk and 101 Finance does not warrant that the use of this website or any material downloaded from it will not cause damage to any property, including but not limited to loss of data or computer virus infection. 

There is no exclusion of duties or liabilities under the Financial Services and Markets Act 2000, or any conduct of business rules which 101 Finance are bound to comply with. There is no attempt to exclude liability for death, personal injury, or fraudulent misrepresentation. 

No Offer

Nothing on this website should be construed as a solicitation or offer, or recommendation, to buy or sell securities or any other investment or banking product, or to provide any investment advice or service. 

Data Protection Act 1998

101 Finance is a trading name of Xposure Consulting LTD company no. 069019 which is registered under the Data Protection Act 1998, Registration no.  (issued by Information Commissioner’s Office)

Home Loans


Risk Warnings

Past performance is not necessarily a guide to future performance. 

The value of investments, and the income from them, can go down as well as up, and you may not recover the amount of your original investment. 

Where an investment involves exposure to a foreign currency, changes in rates of exchange may cause the value of the investment, and the income from it, to go up or down.
Any tax reliefs referred to on this website are those available under current legislation, which may change, and their availability and value will depend on your individual circumstances. 

In the case of some investments, you should be aware that there is no recognised market for them and that it may therefore be difficult for you to deal in them or to obtain reliable information about their value or the extent of the risks to which they are exposed. 

Certain investments carry a higher degree of risk than others and are, therefore, unsuitable for some investors. Before contemplating any transaction, you should consider whether you require financial advice, which we would be pleased to provide upon request. 


As a result of Data Protection legislation and associated regulation, you are entitled to be assured that your personal data is collected, processed and stored for specific purposes and that this is done so securely and confidentially. We, as Data Controllers, have responsibilities under Data Protection laws to inform you of the data we collect, why we collect it, how we process it and with whom it will be shared. This is set out in our Privacy Notice, a copy of which you may already have been given. 


You may use information on this site for your own personal reference only. You may reproduce this information in hard copy solely for your personal use. The information may not otherwise be reproduced, stored, distributed, or transmitted to any other person or incorporated in any way into another document or other material unless you first get our written permission. 

Internet Monitoring

To maintain the security of its systems, protect its staff and detect fraud and other crimes, 101 Finance reserves the right to monitor all internet communications, including web and e-mail traffic, into and out of its domains. Such monitoring includes, but is not limited to, checks for viruses and other malignant code, criminal activity and use or content which breaches the Group’s internal policies. 101 Finance also reserves the right not to deliver any communication that breaches its internal policies. 

How do we gather your personal information?

We obtain personal information about you: 

  • directly from you, for example when you visit our offices and fill your details in to our visitors’ book or where you fill out an application or information gathered during any conversations with us (including LIVE CHAT conversations via our website) or from written/electronic exchanges with us. 
  • by observing how you use our products and services. 
  • from other organisations such as credit reference and fraud prevention and watchlist agencies. 
  • from third party intermediaries and introducers. 
  • from Your Supplier; and 
  • from other people who know you including people you are linked to financially. 

How we use your personal data

Your personal data is gathered for your own benefits, we use the information you provide us with to find you the best suited solution to your problem. The information we gather from you would not be passed on to any third-party companies and will securely be stored in our data base to support your needs as a client.  

For most products and services which we make available to you (or to a Connected Company), we need your name, address, date of birth, contact details (including email address and phone numbers), any other information to allow us to check your identity (including a copy of your identification documents (such as a passport or driving licence)) and information about your credit history. Where we make available products and services to Your Supplier, we may need your name, address, contact details (including email address and phone numbers) and any other information to allow us to verify any debts owed to Your Supplier which Your Supplier is seeking funding for. 

Call Monitoring

Calls may be recorded and monitored for training purposes.