Terms & Conditions

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Terms of Business

This document outlines how Jemrex Capital Ltd operates and your role as our client. It forms the basis of our business relationship. Please note, we may update this document without prior notice.

Who We Are

Jemrex Capital Ltd is a private lender that provides tailored lending solutions. We are not FCA-authorised and operate as an unregulated lender.

  • Registered Office: 208 Middleton Road, Manchester, M8 4NA
  • Company Registration: 14479534
  • Contact Email: info@jemrex.com
  • Phone: 0161 727 0767

What We Do

Jemrex Capital Ltd offers bespoke financial solutions, including bridging loans, and other short-term lending options.

  • We do not provide tax, accounting, regulatory, or legal advice.
  • We are not tied to any specific lenders and work independently to provide solutions that meet your needs.

It is your responsibility to seek independent professional advice where necessary.

How We Get Paid

As the lender, Jemrex Capital Ltd charges fees directly for providing finance. These fees are outlined transparently in your finance agreement and will be discussed with you before proceeding. We do not receive commissions or payments from third parties for introducing clients.

Our commitment is to provide clear, fair, and competitive terms, ensuring you understand all associated costs upfront.

Documentation

The terms of your finance agreement will be provided directly by the lender or us. Please review all documentation carefully and notify the lender or us of any discrepancies.

If applicable, you will be informed of your right to cancel the agreement.

Data Protection

Jemrex Capital Ltd handles your data in accordance with the Data Protection Act 2018.

  • We retain customer information for a minimum of three years and may destroy it thereafter at our discretion.
  • Applying for finance through us involves sharing necessary information with third parties, including lenders and fraud prevention agencies.
  • If false information is supplied and fraud is identified, details will be shared with fraud prevention agencies.

You can find our Fair Processes Policy at https://jemrexcapital.com/fair-processes/

Complaints Handling

We strive to resolve any issues promptly and fairly.

  • Contact Details:
    • Email: info@jemrex.com
    • Phone: 0161 727 0767
    • Address: 208 Middleton Road, Manchester, M8 4NA

We aim to acknowledge your complaint within 24 hours and resolve it within 8 weeks. If you are dissatisfied with our final response, you may refer your complaint to the Financial Ombudsman Service (FOS):

Financial Ombudsman Service

Exchange Tower, London, E14 9SR
Website: www.financial-ombudsman.org.uk

Treating Customers Fairly

We are committed to delivering fair outcomes and excellent service. We follow best practices to ensure customer needs are met and rights respected.

Your Data and Rights

We use your data to:

  • Process finance applications.
  • Provide services and improve offerings.
  • Comply with legal obligations.

We may share your data with credit reference agencies (CRAs) or lenders. Details of CRAs we use include:

Your rights include:

  • Accessing, rectifying, or erasing your data.
  • Restricting or objecting to data processing.
  • Complaining to the Information Commissioner’s Office (ICO).

We will retain your data only as long as necessary and review this regularly.