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Terms & Conditions

Access to www.cargiant.co.uk – terms & conditions

Access to www.cargiant.co.uk is subject to the following terms and conditions. Please take the time to read through these before continuing to use www.cargiant.co.uk.

On accessing the www.cargiant.co.uk on this and on each subsequent occasion you will be deemed to have accepted all of the terms and conditions that apply to its use and to the facilities and services provided by it. We reserve the right to alter these terms and conditions at any time and it is your obligation to check if changes have been made. Your use of www.cargiant.co.uk after changes are posted online shall constitute acceptance of the new terms and conditions.

In these terms and conditions:

"we/us/our" means Car Giant Limited trading as Cargiant

"you"/"your" means the user of the online services.

Access to www.cargiant.co.uk

Access to www.cargiant.co.uk is permitted on a temporary basis, and we reserve the right to withdraw or amend the service we provide on www.cargiant.co.uk without notice (see below). We will not be liable if for any reason our site is unavailable at any time or for any period.

From time to time, we may restrict access to some parts of or the entire website (www.cargiant.co.uk), to users who have registered with us.

Content

In consideration of our agreeing to permit you to use www.cargiant.co.uk to search our database of vehicles, you agree that you will only use, reproduce and print materials comprising the results of such searches for your own personal, non-commercial purposes.

The pages contained in www.cargiant.co.uk may contain technical inaccuracies and typographical errors. The information in these pages may be updated from time to time and may at times be out of date. We accept no responsibility for keeping the information in these pages up to date or liability for any failure to do so.

The information contained in the material in www.cargiant.co.uk is only for information purposes. The material on www.cargiant.co.uk does not constitute advice and you should not rely on any material on www.cargiant.co.uk to make (or refrain from making) any decision or take (or refrain from taking) any action.

Copyright and trade marks

All rights, including copyright, in the content of these web pages and in the photographs of any vehicles displayed on www.cargiant.co.uk from time to time and all database rights in our database of vehicles, are owned or controlled for these purposes by us.

All trade marks, names, and logos are the proprietary marks of us. Marks identifying third parties are owned or licensed by those third parties or their associated companies. Nothing in these terms and conditions in any way confers on you any licence or right under any trade marks, names or logos.

We are not liable for any failure to perform any of our obligations under these terms and conditions caused by matters beyond our reasonable control.

Except as expressly permitted by these terms and conditions, you may not copy, reproduce, redistribute, download, republish, transmit, display, adapt, alter, create derivative works from or otherwise extract or re-utilise any of the contents of www.cargiant.co.uk. In particular, you must not cache any of the contents for access by third parties nor mirror or frame any of the content of www.cargiant.co.uk nor incorporate it into another website without our express written permission.

Liability

The material displayed on www.cargiant.co.uk is provided without any guarantees, conditions or warranties as to its accuracy. Whilst every effort has been made to ensure the accuracy of information on this site, some errors may occur. It is important that you do not rely solely on this information but check with Cargiant about any terms you feel will affect your decision to purchase a car. No liability is acceptable for loss or damage resulting from errors or omission on www.cargiant.co.uk

This does not affect our liability for death or personal injury arising from our negligence, nor our liability for fraudulent misrepresentation or misrepresentation as to a fundamental matter, nor any other liability which cannot be excluded or limited under applicable law.

We will need to carry out routine maintenance and servicing of our servers and equipment from time to time. While we will seek to keep disruption to a minimum we cannot guarantee that www.cargiant.co.uk will be continuously available online. We therefore provide www.cargiant.co.uk on an "as is" and "as available" basis.

We make no warranty that www.cargiant.co.uk (or websites which are linked to www.cargiant.co.uk) is free from computer viruses or any other malicious or impairing computer programs. It is your responsibility to ensure that you use appropriate virus checking software.

We are not liable for any failure to perform any of our obligations under these terms and conditions caused by matters beyond our reasonable control.

Links to non-www.cargiant.co.uk sites

Where www.cargiant.co.uk contains hypertext links to websites that are not operated by us. We do not control such websites and are not responsible for their content. Our inclusion of hypertext links to such websites does not imply any endorsement of the material contained on the websites or of the owners.

Links to www.cargiant.co.uk

You may establish a hypertext link to the home page of www.cargiant.co.uk, but not otherwise, without the need for our written consent, provided there is thereby no implied endorsement or sponsorship of you, your company or your website by us.

My Garage registration details

To gain access to certain services on www.cargiant.co.uk you will need to register (free of charge). As part of the registration process, you will be given a username and password. You agree that the information supplied with your registration will be truthful, accurate and complete. You also agree that you will not attempt to register in the name of any other individual nor will you adopt any username with we deem to be offensive. All personal information supplied by you as part of the registration process will be protected and used in accordance with the terms of our Privacy Policy.

General

We reserve the right to assign or subcontract any or all of our rights and obligations under these terms and conditions to a third party. If we exercise this right, we shall name the assignee or subcontractor on www.cargiant.co.uk and you will be entitled to terminate the account within 5 working days. You may not without our prior written consent assign or dispose of any rights or obligations arising under these terms and conditions.

These terms and conditions of access together with our privacy policy contain the entire agreement and understanding between the parties relating to www.cargiant.co.uk, and supersede any and all prior agreements, arrangements, statements and understandings, except for any fraud or fraudulent representation by either party. We exclude all representations and warranties relating to access to use of www.cargiant.co.uk, whether they are statutory or otherwise, as far as is possible by law.

If any of these terms and conditions shall be held to be invalid or unenforceable, it shall not affect the enforceability of any of the remaining provisions.

These terms and conditions shall be governed by and in accordance with English law and subject to the exclusive jurisdiction of the English Courts.

If you do not agree to obey these terms and conditions you must stop using www.cargiant.co.uk immediately.

Find information with regard to Car Giant Limited and its subsidiaries (“Cargiant”) Tax Strategy for the year ended 31 December 2017 at www.cargiant.co.uk/tax-strategy


Correspondence

All correspondence relating to www.cargiant.co.uk should be sent to:

Car Giant Limited
44 Hythe Road
London
NW10 6RS

Email: customerservice@cargiant.co.uk
Telephone: 0208 969 5511

Registered office: Car Giant Limited, 44 Hythe Road, London NW10 6RS
Registered in England with company number 01407612.
VAT number: 442138571

Test driving a car – eligibility

For insurance purposes, to take a car for a test drive you must be at least 21 years old and have held a valid driving licence for over a year.

Purchasing and collecting a vehicle – terms & conditions

The collections procedure is subject to completion of the pre-delivery inspection and any repairs that may arise from it. A confirmation email or text will be sent as soon as the vehicle is ready for collection. If there's likely to be a delay you will be contacted as soon as possible. Please allow one hour to collect your car.

Valid UK / EU Driving Licence including photo section OR Valid Passport AND 2 proofs of present address dated within the past 3 months are required for identification on every collection. (Bank Statement, Council Tax or Utility bills, excluding mobile phone).

Payment methods

UK Debit cards, Direct Transfer and Bank Drafts payable to Cargiant Ltd. Cash payments over £1,000 incur a 1% handling fee. Car Giant Ltd only accept up to £10,000 in cash. Debit card payments over £500 will incur a 0.20% surcharge. Credit card payments will incur a 0.3% surcharge.

Please note: unfortunately, we cannot accept Building Society Cheques or credit card payments made towards the purchase of your car. However, credit cards are accepted for additional products i.e. Mechanical Breakdown Insurance and Supagard. 

External Finance

If you use an external finance company to pay for your car, there will be an external finance admin fee of £200 to cover administration costs. You will be able to add the external finance admin fee to the price of the car.

Deposits

The minimum required to secure a car is a £200 deposit, this is non-refundable, non-transferable and is subject to statutory rights. A further deposit may be placed to extend the collection date, this would be a maximum of £600 which would secure the car for up to 2 weeks in total. Deposits will be forfeited if you fail to collect the car at the arranged time. The car will then be placed back for sales and prior notice will not be given.

Trade sales

As our prices are genuinely low we often sell to traders and other dealerships. To ensure our best car prices are available to the public we charge traders an additional £500 to buy directly from Cargiant.

Vehicle Security

Car Giant Limited accepts responsibility that all vehicles are not subject to a category A,B,C or D insurance total loss, are not recorded on the stolen register, and are not subject to a finance agreement. This is in addition to your statutory rights.

Ownership of goods shall not be passed onto the customer until the price has been paid in cash or cleared funds but risk shall be passed to the customer on delivery.

*Admin fee of £149 is made to cover the documentation and administration costs. Your statutory rights are not affected.

Apply for finance – terms & conditions 

Finance is provided, subject to status. To apply you must be at least 18 years old and a UK resident. A guarantor may be required. Security may be required by way of a Bill of Sale.

Credit is only available on cars supplied by us.

Telephone calls may be monitored or recorded for security and quality control. Information is available in large print, audio and Braille on request please call for details.

Use of Your Information

If you make an application, your details will be held on computer and used in a credit scoring or other automated decision making process when assessing your application. Cargiant work with a number of Credit Providers who provide vehicle finance. We will pass your application to more than one Credit Provider (if it is not initially accepted) in order to give the best chance of securing finance. This may result in multiple credit searches.If you provide false or inaccurate information we will record this. We and other organisations may then use and search these records to check your identity, to prevent fraud and money laundering. You can ask for details about the Credit Reference and Fraud Prevention Agencies from whom and with whom we share this information. Please call us on free-phone 020 8969 5511. You have a legal right to these records.

For the purposes of this application you may be treated as financially linked and your application will be assessed with reference to any "associated" records.

If you are a joint applicant or if you have told us of some other financial association with another person, you must be sure that you are entitled to:

* disclose information about your joint applicant and anyone referred to by you.
* authorise us to search, link or record information at credit reference agencies about you and anyone referred to by you.

An "association" between joint applicants, and between you and anyone you tell us is your financial partner, will be created at credit reference agencies. This will link your financial records, each of which will be taken into account in all future applications by either or both of you. This will continue until one of you successfully files a disassociation at credit reference agencies.

You authorise us to make all enquiries necessary to verify this information to enable us to consider this application. If you apply for insurance your information will be passed to the administrators and the insurers for underwriting, processing claims handling and fraud prevention.

Your personal data which may include sensitive information such as medical details, will be treated in confidence and will not be disclosed to any third parties except where permitted by law or where you have given your consent, however, it may be shared with selected third parties and the Insurers (and their administrators) who may also use it for marketing, research, statistical analysis and administration purposes. For further information on the companies with whom your information may be shared please contact us. You may be contacted by mail, telephone, fax, email, automated calling systems or other reasonable method with details of products or services offered by one of the above. If you do not want your details to be used for marketing please call us on 202 8969 5511. Under the terms of the Data Protection Act you have the right to obtain a copy of the information held about you upon payment of the appropriate fee.

Key facts about our insurance services and funding your purchase

The Financial Conduct Authority (FCA)

The FCA is the independent watchdog that regulates financial services. Use this information to decide if our services are right for you.

Whose products do we offer?
We offer products from a single insurer, AA Warranty for Mechanical Breakdown Insurance (MBI).

We can introduce you to carefully selected lenders including Barclays and Blackhorse, who may pay us for introducing you. We offer Hire Purchase to fund car buying and Personal Loans to fund additional products.

Which service will we provide you with?
We will advise and make a recommendation for you after we have assessed your needs and eligibility for MBI contracts.

We are not an Independent Financial Advisor and are unable to provide independent financial advice.

What will you have to pay us for this service?
No fee for MBI insurance contracts.
No fee for introducing you to a Finance provider.

Who regulates us?
Cargiant, 44 Hythe Road, London NW10 6RJ is authorised and regulated by the Financial Conduct Authority. Our FCA Register number is 307782.

Our permitted business is advising and completing non-investment insurance contracts and financial services.

You can check this on the FCA’s Register by visiting the FCA’s website www.fca.org.uk/register or by contacting the FCA on 0800 111 6768 or 0300 500 8082.

What to do if you have a complaint

To register a complaint please contact the Customer Service Manager at the address given above, by phone on 020 8969 5511 or email customerservice@cargiant.co.uk


Are we covered by the Financial Services Compensation Scheme (FSCS)?

We are covered by the FSCS. You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and circumstances of the claim.

Insurance advising and arranging is covered for 90% of the claim, with no upper limit. Further information about the compensation scheme arrangements is available from the FSCS.

Complainand Feedback Procedure

We are committed to providing a high standard of service to you and all our customers. Occasionally we may not live up to our expectations and if this happens we would like to hear from you. This will allow us to put matters right and make improvements. We value your feedback and thank you for helping us treat all our valued customers fairly.

In the first instance, please share your complaint in person with our staff as they are usually best placed to resolve the concern.

If your concern remains unresolved, contact our Customer Service Manager using the contacts below. The Customer Service Department is open Monday to Friday 9am - 7pm.

Email: customerservice@cargiant.co.uk
Phone:  020 8969 5511
Address: 44 Hythe Road, London, NW10 6RS.

Cargiant Deduction Policy

In the unlikely event of Cargiant accepting the return of your vehicle for a refund. We will require the vehicle to be returned in the same condition as when it was purchased.

We will also exercise our right to deduct a reasonable sum of money having taken in to account the usage of the vehicle and any failure to keep it in good repair and condition.

This will include but not limited to our right to charge the consumer 25 pence per mile for each mile covered since the date of sale, along with the cost of any estimate for repairs required to any damage to the vehicles interior and exterior that was caused whilst the vehicle was in your possession.

Finance and Insurance Complaints

We will promptly acknowledge all Finance and Insurance complaints. You will be given details of who is dealing with your complaint and how to contact them. We will do our best to resolve the concern immediately with as little inconvenience to you as possible and to keep you informed during the process. At any stage you may contact the person handling your complaint and discuss the next steps.

We will keep you informed of the progress being made towards complaint resolution throughout our investigation. Within 8 weeks we will give our Final Response or a further progress report on the investigation.

Appeals

After receiving our Final Response, and you do not accept the outcome, or if your Finance or Insurance complaint has not been resolved within 8 weeks then you may appeal to the Financial Ombudsman Service. This was set up by the Financial Services Authority to review unresolved Finance and Insurance complaints.

The Financial Ombudsman Service

South Quay Plaza, Exchange Tower, London, E14 9SR. Tel. 0800 023 4 567 or 0300 1239 123

Enquiries@financial-ombudsman.org.uk