Terms & Conditions

1. Who operates this website

Bene Finance is a trading name of C JEV LTD, a private limited company registered in England and Wales under company number 16089456. Its registered office is Suite 15a Stone Cross Place, Stone Cross Lane North, Warrington, Lancashire, England, WA3 2SH.

In these terms, “Bene Finance”, “we”, “us” and “our” mean C JEV LTD trading under the Bene Finance name.

2. What Bene Finance does

Bene Finance is C JEV LTD's separate lead-generation business. C JEV LTD is not a lender, finance broker or financial adviser; it does not compare, match, recommend, negotiate, assess creditworthiness or eligibility, collect applications or documents, or make lending decisions. C JEV LTD is not authorised or regulated by the Financial Conduct Authority.

3. Who may use the online enquiry form

The current online enquiry form is intended only for authorised representatives of UK limited companies borrowing wholly for their own business. LLPs, sole traders, partnerships, individuals, trustees and personal, consumer or mixed-purpose borrowing are excluded. The amount choices shown on the form run from £10,000 to £20 million. They are intake bands only and do not mean that a recipient, facility or amount is available.

The form must not be used for residential or home mortgages, personal buy-to-let, consumer borrowing, personal expenditure, trustee borrowing, mixed-use security, tax or accountancy services, investment advice or any other non-business purpose. Commercial property is within scope only where it is wholly commercial security with no dwelling, residential, mixed-use, personal or connected occupation, trustee capacity or uncertainty; otherwise the case stops and is not forwarded.

Sole traders must not use the current online form. The sole-trader page explains that this borrowing is outside the current service. Do not enter a Unique Taxpayer Reference (UTR), National Insurance number, personal tax reference or other tax or identity information through the website.

An individual-borrower route would require a separate regulatory and legal assessment. It is not part of the current service and these terms do not create a route or permission.

4. The initial enquiry

Under normal operation, Bene stores a basic lead in a pending state and sends the business contact an email confirmation link. Confirmation proves control of the submitted mailbox only; it does not verify identity, authority, creditworthiness, eligibility or finance availability. The lead is not a finance application and Bene does not collect a fact find, supporting documents or application.

After email confirmation, where the service is available and you have chosen the named handoff, delivery to Asset & General may be retried automatically from the same stored lead if a delivery attempt fails or expires. There are no more than three total attempts and you do not need to submit the form again.

5. The named Asset & General handoff

When the service is available, Bene identifies Asset & General Finance Ltd (SC308532), links to its privacy information, explains the proposed data handoff and asks you to choose an affirmative final confirmation. You can say no or withdraw before the handoff by contacting Bene. No unidentified third party receives the initial lead.

Asset & General handles all finance discussion, fact find, recommendation, application and communication with funders. Its funders decide. Bene does not compare the market, recommend an offer or guarantee a rate, terms, approval or funding.

6. Fees and commission

Bene Finance does not charge you to submit the initial enquiry. Asset & General may receive commission from the funder and may share part with C JEV LTD trading as Bene Finance. The amount and calculation vary by funder and product. Asset & General will give further information, including the amount where required or requested, before you proceed. Any third party that may charge you must explain its own fees and charges before you decide whether to proceed.

No website payment system is provided. The website does not calculate referral fees, create an affiliate balance or invoice, collect bank details, initiate a transfer, notify a payment provider or mark an enquiry paid. Any permitted referral payment is handled separately outside the website under an approved commercial arrangement.

7. No application, advice or guarantee

Sending an enquiry is not a finance application, offer, approval or recommendation. It creates no obligation to proceed. Any finance discussed later will be subject to the relevant lender's assessment, status, affordability, terms and approval. No particular product, rate, amount or outcome is guaranteed.

8. Information and authority

You are responsible for ensuring the information you submit is accurate, current and supplied with the authority of the business concerned. Do not send bank statements, identity documents, personal credit information or other sensitive documents through the initial enquiry form.

On the customer-completed broad-link route, an affiliate link records claimed campaign attribution only. It does not prove that the enquiry is genuine or that a fee is due. The affiliate must not complete the form for its customer, impersonate the business contact, make a self-referral, buy or fabricate details, reward a form completion or submit without the business contact's knowledge. The business contact must complete and confirm the enquiry. Bene may carry out administrative scope, duplicate and abuse checks only; the broad-link publisher is not given the customer's details or enquiry answers through this route.

8A. Private partner portal and manual introductions

The private portal is currently invite-only and each login belongs to one named user, while self-registration remains disabled. Whether access later begins through an invitation or an approved application, that one-user rule still applies. A user must not share an invitation, password, login link, session or access with anyone else.

The partner application terms are a draft and are not active. Submitting or verifying an application is not partner approval, acceptance of a partner agreement, confirmation of regulatory status or permission to distribute a referral link or submit client details. Bene must complete its business, authority, agreement and compliance checks before approving a named user, and link distribution and manual-referral permissions remain separate decisions.

Portal access does not replace a signed partner or data-sharing agreement. It does not appoint a partner as Bene's agent, adviser, broker, FCA representative or introducer appointed representative (IAR), and it does not create authority to bind C JEV LTD or make statements on its behalf.

A separately approved manual-introduction route may be used only within the fields and purposes permitted by the reviewed agreement. A partner must not give advice, make recommendations or promises, quote custom rates or issue unapproved promotions. A partner must not collect customer documents, add sensitive information or use the route when the customer has not specifically requested contact from Bene Finance.

The submission declaration records the partner's representation and is not the customer's UK GDPR consent. C JEV LTD stores a manual submission in a restricted pending state and sends the customer a neutral Confirm or Decline choice. Opening the message or page does nothing. Bene does not begin sales contact unless the customer chooses Confirm, and Decline prevents sales contact from that referral.

An approved portal user can see only the business name, Bene reference, submission date and one fixed progress label for its own manual case. A portal status is not a lender decision, proposal detail, commission entitlement or payment record. “Proposal accepted” does not mean funding has completed, funds have been released or commission is due. It does not promise an introduction, approval, funding or any particular outcome. The no-website-payment rule in section 6 applies to customer-completed links and manual introductions alike.

9. Checking public Companies House information

Bene Finance uses the Companies House Public Data API to match a supplied company number to basic public register information. A direct enquiry cannot proceed unless an active UK limited company is matched. Receipt does not verify the identity or authority of the person submitting the enquiry, ownership, current trading activity, finances, legitimacy, eligibility or creditworthiness, and it is not an endorsement by Companies House. Register information may be incomplete, inaccurate or out of date. You remain responsible for checking that the selected company is the business for which you are authorised to enquire.

10. Objective website controls

Bene applies objective controls to check the stated online scope, prevent duplicate submissions, protect website security and detect abuse. These controls do not assess finance suitability, creditworthiness or eligibility, create a score or approval likelihood, or make a recommendation or lending decision.

11. Website content, acceptable use and intellectual property

Website content is general information only and may be updated without notice. We aim to keep the site accurate and available, but cannot promise uninterrupted access or that every page will always be free from error. Links to external websites are provided for convenience; those websites control their own content and privacy practices.

You must not misuse the website, attempt unauthorised access, submit unlawful or misleading information, interfere with security controls or use the content in a way that infringes C JEV LTD's or another person's rights. Unless otherwise stated, the website content, branding and original materials belong to C JEV LTD.

12. Responsibility and liability

Asset & General Finance Ltd and its funders are responsible for their own communications, assessments, advice where provided, offers, fees, agreements and actions. To the extent permitted by law, C JEV LTD is not responsible for a decision made by that separate party or for loss caused by relying on general website information instead of obtaining appropriate professional advice.

Nothing in these terms excludes or limits liability where doing so would be unlawful, including liability for fraud or fraudulent misrepresentation, or affects rights that cannot lawfully be excluded.

13. Privacy, rights and complaints

C JEV LTD, trading as Bene Finance, is the controller of information collected directly through this website. The separate Privacy & data-use notice explains the information, purposes, recipient categories, retention criteria and rights in more detail. The complaints pageexplains how to raise a concern about the website or enquiry service. You may also email enquiries@benefinance.co.uk. Do not attach bank statements, identity documents or other sensitive financial records to an initial email.

14. Updating these terms and the law that applies

We may update these terms when the website, service, law or approved introduction routes change. The version in force when you submit an enquiry will apply to that website interaction. If any provision is found unenforceable, the remaining provisions continue to apply.

These terms and any non-contractual dispute arising from the website are governed by the law of England and Wales. The courts of England and Wales have jurisdiction, subject to any mandatory rule that applies.

15. Contact

Email enquiries@benefinance.co.uk or write to C JEV LTD at Suite 15a Stone Cross Place, Stone Cross Lane North, Warrington, Lancashire, England, WA3 2SH.