Terms of service.

These terms and conditions (“Terms”) set out the terms on which Caply Group Ltd, a company incorporated in England and Wales with company number 17030689 whose registered office is at 119-121 Brent Street, London, England NW4 2DX (“Caply”, “we”, “us”, or “our”) makes available https://www.caply.co.uk/ (“Platform”) to users and provides an entity or organisation (“Client”) with its services.

Please read these terms carefully before using our platform, registering to our platform and or applying for any of our services.

Your particular attention is drawn to clause 2.5 (consent), clause 5 (commission) and clause 6 (disclaimers and liability).

We recommend that you download and save a copy of these Terms for future reference.

About us

The Platform is owned and operated by Caply.

We work with Clients in the UK across as an intermediary to introduce and connect them to credit introducers, servicers and lenders (each a “Facilitator”) to enable Clients to apply for funding (our “Services”). 

Our Services do not fall under the Financial Conduct Authority’s (FCA) criteria for regulated services and we are not currently registered with the FCA.

We do not provide finance or financial advice to clients and only act as an intermediary at all times.

To contact us, please email support@caply.co.uk or telephone our customer service line on 02081913855.

These Terms

The Terms below set out the terms and conditions under which we will provide our Services to the Client, how you can use our Platform, whether you are just visiting the Platform, or logging in to access our Services on behalf of the Client.

Reference to “you” in these Terms means, as applicable:

1. a Client;

2. an individual authorised on behalf of the Client to engage and instruct us to provide our Services to the Client;

3. an individual authorised on behalf of the Client to set up and use an account on our Platform on behalf of the Client;

4. any individual visiting our Platform.

These Terms are split into two sections:

Section 1: applies to Clients who have engaged us to provide our Services and individuals authorised by the Client, including those with an account on our Platform; and

Section 2: applies to all Clients and anyone accessing our Platform, even if you are just browsing.

There are other terms that may apply

There are other terms which may also apply:

1. our Privacy Policy, which explains how we collect, use and store personal data; and

2. for Clients, the terms and conditions of Facilitators, which set out the terms under which they will provide their services and or facilities to Clients. A Client can access a Facilitator’s terms and conditions at:

https://www.crowd2fund.com/terms

https://www.lendingcrowd.com/policy

https://www.fundingcircle.com/uk/legal/borrower-terms-and-conditions/

https://www.iwoca.co.uk/compliance/terms-of-use

https://nucleusfinancial.com/terms-use

https://www.swishfund.co.uk/terms-and-conditions

https://fleximize.com/terms-of-use

https://momentafinance.co.uk/legal/terms-and-conditions/

https://www.playter.co/legal/ts-cs

https://maxcap.co.uk/terms-and-conditions/

https://www.mclfinance.com/terms-and-conditions

https://sigma-lending.com/privacy-policy/

https://adelpha-group.com/terms-and-conditions

https://www.simplyfunded.co.uk/terms-of-use/

https://gotcapital.co.uk/terms-of-use/

https://www.bizcap.com.au/terms-and-conditions

https://www.cubefunder.com/terms-conditions/

https://www.electcapital.co.uk/terms-of-service

https://littlebusinessloans.com/privacy-policy/

https://swiftfund.co.uk/privacy-policy/

https://www.365finance.co.uk/terms-conditions/

https://sapi.com/privacy-policy/

https://youlend.com/termsofservice

https://www.bibbyfinancialservices.com/footer/terms-and-conditions

Section 1: Client Terms

These section 1 Terms shall apply to all Clients and individuals authorised by Clients. The Section 2 Terms shall apply in addition to these section 1 Terms.

1. The agreement between the Client and Caply

A legally binding agreement shall commence between the Client and Caply on the date on which the Client accepts these Terms and shall be effective and in force until completion of the Services, unless terminated earlier pursuant to these Terms.

2. Registering and applying for our Services

2.1.

To apply for our Services, a Client may either:

1. submit an enquiry using our enquiry form; or

2. register an account on our Platform.

2.2.

By a Client registering to our Platform and applying for our Services, you confirm that:

1. you are a UK corporate entity;

2. you are legally capable and authorised to enter into binding agreements with us;

3. you have and will at all times provide us with lawful, true and accurate information; and

4. you are not in any way prohibited by any applicable laws from entering into a binding agreement with us.

2.3.

Upon receipt of your application, we will ask you for further documentation and information (“Application Documentation”) required in order to provide our Services. Such Application Documentation may include (and is not limited to):

1. Client’s bank statements (for a specified period);

2. Client’s full financial accounts;

3. Details for all directors of the Client;

4. Any current loans and or liabilities of the Client; and

5. Details of the loan sought.

2.4.

While we do not perform formal credit checks to provide our Services, to enable us to prevent fraud and or other fraudulent activity or where this may be required by a Facilitator, we may carry out identity and soft credit checks from time to time. The checks may be carried out against the Client’s business, its directors and or partners or shareholders personally.

Although soft credit checks are visible on a credit search, they do not affect your credit rating. We carry out the check to enable us to determine your eligibility for receiving any credit facilities.

Facilitators may also require a credit reference for the Client’s business, directors and or partners or shareholders.

2.5.

The Client must consent to Caply’s use of the Application Documentation as set out in these Terms including the onward disclosure to any Facilitators that may require it prior to or at the time at which it provides such Application Documentation. If the Client does not consent, Caply may not be able to provide its Services to the Client.

2.6.

Notwithstanding the foregoing, we reserve the right at our sole and absolute discretion to accept or reject your application for our Services. In the event that we reject your application, our agreement with you shall automatically terminate.

3. Caply’s obligations

3.1.

Subject to Caply’s approval of your application for the Services and receipt of satisfactory Application Documentation, Caply shall provide you Facilitator options.

3.2.

Based on our knowledge and experience, Caply may propose approaches (but NOT ADVICE) in respect of the shortlisted Facilitators. The Client must and shall seek independent financial advice prior to making any decisions.

3.3

Upon written confirmation of the Client’s preferred Facilitator, Caply shall pass the Client’s contact details and Application Documentation to the Facilitator (the “Introduction”). The Client hereby confirms that it has read, understood and accepts the Facilitator’s terms and conditions. Any further discussions with the Facilitator, including the any additional information and or documentation they may require shall be between the Client and the Facilitator.

4. Client’s obligations

4.1

Each Client shall be required to provide us with the details of an authorised person who shall be our primary point of contact.

4.2.

The authorised person may register an account on our Platform.

4.3.

You undertake to promptly provide us with any information requested and inform us or make the necessary changes on your account in the event that any information that you have provided to us changes or becomes inaccurate.

4.4.

If you (i.e. the authorised person) choose, or you are provided with, a user identification code, password or any other piece of information as part of our security procedures for access to your account, you must treat such information as confidential. You must not disclose it to any third party.

4.5.

We have the right to disable any user identification code or password, whether chosen by you or allocated by us, at any time, if in our reasonable opinion you have failed to comply with any of the provisions of these Terms.

4.6.

If you know or suspect that anyone other than you knows your user identification code or password, you must promptly notify us using the contact details at the beginning of these Terms or any other details notified to you for this purpose from time to time.

4.7.

The Client must obtain the consent of or notify the relevant employees, officers and or staff whose personal data may be disclosed to us and subsequently any Facilitator within the Application Documentation.

5. Commission

5.1.

We do not usually charge Clients fees for using our Platform and or Services. In the event an introduction fee may be chargeable, we will notify the Client before they enter into an agreement with a Facilitator.

5.2.

In the event that an Introduction is successful that is, a Client enters into an agreement with the Facilitator for its facilities, Caply will receive a commission from the Facilitator.

5.3.

The amount of the commission we will receive will be determined on a case-by-case basis and may vary depending on factors such as the loan amount, interest to be charged to the Client on the chosen facility, our agreement with the Facilitator. We will notify a Client of the commission we are likely to earn prior to the Client entering into an agreement with the Facilitator.

5.4.

For the avoidance of doubt, the Client acknowledges and agrees that it shall not be entitled to receive any of the commission amount received by Caply as a result of it entering into an agreement with the relevant Facilitator.

6. Disclaimers and liability

6.1.

The Client expressly acknowledges that:

1. Caply does not represent or guarantee that any offers will be made by any of the Client’s chosen or offered Facilitators;

2. offers made by Facilitators are subject to their terms and conditions, Caply has no involvement in the decision making process of a Facilitator; and

3. it has engaged Caply as an intermediary and will not obtain any financial advice or other services that fall under any FCA regulated activities.

6.2.

The Client agrees that its chosen Facilitator is permitted to disclose to Caply any relevant information (including accounting details) in connection with its agreement with the Facilitator in order for Caply to receive its commission pursuant to clause 5.

6.3.

Subject to clause 18.1, Caply’s maximum aggregate liability to the Client arising from or in connection with these Terms, whether arising in contract, tort (including negligence) or otherwise, shall not exceed the amount of the commission received under the singular transaction under which its liability arose.

6.4.

Subject to clause 18.1, Caply will under no circumstances whatever be liable to the Client for (a) any loss of profits, sales, business, or revenue; (b) loss or corruption of data, information or software; (c) loss of business opportunity; (d) loss of anticipated savings; (e) loss of goodwill; or (f) any indirect or consequential loss.

7. Indemnity

The Client shall indemnify and hold harmless Caply against all liabilities, damages, losses (including loss of profits, loss of business, loss of reputation, loss of savings and loss of opportunity), fines, expenses and costs (including all interest, penalties, legal costs (calculated on a full indemnity basis) and professional costs and expenses) as a result of any claim or action brought against Caply in connection with or arising from the Client’s activities, use or misuse of the Platform, or any breach by a Client of these Terms or any allegations or complaints made by other parties against the Client resulting from the Client’s acts or omissions. The Client also agrees not to make any admissions of liability without the express consent of Caply, and to co-operate as required by Caply in the defence of any claim and allow Caply to assume the exclusive defence and control of such matter.

8. Termination

Without prejudice to any other rights and remedies and with no liability to the Client, Caply may terminate the provision of its Services and or the Client’s rights to use and access the Platform with immediate effect if:

1. the Client has failed to comply with one or more of these Terms;

2. the Client has provided Caply with false, inaccurate or misleading information in respect of its application and or registration;

3. the Client brings Caply into disrepute;

4. Caply believes that there has been fraudulent use, misuse or abuse of its Services and or its Platform.

Section 2: General Terms

These section 2 Terms apply to all users of our Platform and Services (including visitors browsing our Platform).

9. We may make changes to these Terms and our Platform

9.1.

We amend these Terms from time to time. Please check to ensure you understand the Terms that apply from time to time. We will notify you of updates to these Terms via our Platform, and if you are a Client we will additionally notify you of any major updates to these Terms using the contact details you have provided us.

9.2.

We may update and change our Platform from time to time to reflect changes to our Services, our Client’s needs and our business priorities.

10. Availability of our Platform

10.1.

Our Platform is made available free of charge.

10.2.

We do not guarantee that our Platform, or any content on it, will always be available or be uninterrupted. We may suspend or withdraw or restrict the availability of all or any part of our Platform for business and operational reasons. We will try to give you reasonable notice of any suspension or withdrawal.

10.3.

Our ability to provide our Platform may be impaired by conditions or circumstances that are beyond our control such as (without limitation) disruptions by third party service providers. In such circumstances we will notify you (where appropriate) and take reasonable action to minimise the disruption caused, but some interruptions may be unavoidable.

10.4.

You are also responsible for ensuring that all persons who access our Platform through your internet connection are aware of these Terms and other applicable terms and conditions, and that they comply with them.

11. Your obligations to us

11.1.

You shall:

1. not do anything likely to impair, interfere with or damage our Platform;

2. not re-sell, promote for resale or for any commercial use, the content and materials on our Platform or engage in any other similar commercial activities except that you may use content and materials in accordance with these Terms;

3. comply with instructions issued by Caply (or its employees or representatives) from time to time relating to the Platform;

4. co-operate with us in respect of security or other checks or requests for information reasonably made by us from time to time;

5. not use any information obtained from the Platform other than in accordance with these Terms;

6. use the information retrieved from the Platform at your own risk and be solely responsible for any illegal conduct, infringement of Caply’s or any third-party intellectual property rights and or any breaches in any applicable laws and legislation resulting from your use of the Platform; and

7. comply with all applicable laws, regulations, directives and legislation which apply to your use of the Platform in whatever country you are physically located including without limitation any and all export control laws and regulations.

11.2.

Caply reserves the right, in its sole discretion, to take any action that it deems necessary and appropriate in the event it considers that there is an actual breach or threatened breach of the Terms set out in this clause 11.

12. How you may use material on our Platform

12.1.

We are the owner or the licensee of all intellectual property rights in our Platform, and in the material published on it. Those works are protected by copyright laws and treaties around the world. All such rights are reserved.

12.2.

You may print off one copy, and may download extracts, of any page(s) from our Platform for your personal use and you may draw the attention of others within your organisation to content posted on our Platform.

You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text.

12.3.

Our status (and that of any identified contributors) as the authors of content on our Platform must always be acknowledged (except where the content is user-generated).

12.4.

You must not use any part of the content on our Platform for commercial purposes without obtaining a licence to do so from us or our licensors.

12.5.

If you print off, copy, download, share or repost any part of our Platform in breach of these Terms, your right to use our Platform will cease immediately and you must, at our option, return or destroy any copies of the materials you have made (except that you are permitted to print off a copy of these Terms).

13. No text or data mining, or web scraping

13.1.

You shall not conduct, facilitate, authorise or permit any text or data mining or web scraping in relation to our Platform or any services provided via, or in relation to, our Platform for any purpose, including the development, training, fine-tuning or validation of AI systems or models. This includes using (or permitting, authorising or attempting the use of):

1. Any "robot", "bot", "spider", "scraper" or other automated device, program, tool, algorithm, code, process or methodology to access, obtain, copy, monitor or republish any portion of our Platform or any data, content, information or services accessed via the same.

2. Any automated analytical technique aimed at analysing text and data in digital form to generate information or develop, train, fine-tune or validate AI systems or models which includes but is not limited to patterns, trends and correlations.

13.2.

The provisions in this clause should be treated as an express reservation of our rights in this regard, including for the purposes of Article 4(3) of the Digital Copyright Directive ((EU) 2019/790).

13.3.

This clause will not apply insofar as (but only to the extent that) we are unable to exclude or limit text or data mining or web scraping activity by contract under the laws which are applicable to us.

14. Rules about linking to our Platform

14.1.

You may link to our home page, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it.

14.2.

You must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part where none exists.

14.3.

You must not establish a link to our Platform in any website that is not owned by you.

14.4.

Our Platform must not be framed on any other site, nor may you create a link to any part of our Platform other than the home page.

14.5.

We reserve the right to withdraw linking permission without notice.

14.6.

If you wish to link to or make any use of content on our Platform other than that set out above, please contact us using the details set out at the beginning of these Terms.

15. Do not rely on information on this Platform

15.1.

The content on our Platform is provided for general information only. It is not intended to amount to advice on which you should rely. You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of the content on our Platform.

15.2.

Although we make reasonable efforts to update the information on our Platform, we make no representations, warranties or guarantees, whether express or implied, that the content on our Platform is accurate, complete or up to date.

16. We are not responsible for websites we link to

Where our Platform contains links to other sites and resources provided by third parties, these links are provided for your information only. Such links should not be interpreted as approval by us of those linked websites or information you may obtain from them. We have no control over the contents of those sites or resources.

17. Viruses

17.1.

We do not guarantee that our Platform will be secure or free from bugs or viruses.

17.2.

You are responsible for configuring your information technology and computer programs to access our Platform. You should use your own virus protection software.

17.3.

You must not misuse our Platform by knowingly introducing viruses, trojans, worms, logic bombs or other material that is malicious or technologically harmful, or otherwise harmfully interacting with our Platform or any part of it. You must not attempt to gain unauthorised access to our Platform, the server on which our Platform is stored or any server, computer or database connected to our Platform or any other equipment or network connected with our Platform. You must not interfere with, damage or disrupt any software used in the provision of our Platform or any equipment or network or software owned or used by any third party on which this Platform relies in any way. You must not attack our Platform via a denial-of-service attack or a distributed denial-of-service attack. By breaching this provision, you would commit a criminal offence under the Computer Misuse Act 1990. We will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use our Platform will cease immediately.

18. Warranties and liabilities

18.1.

Our Platform and Services are not intended for consumers. However, whether you are a consumer or business user:

1. we do not exclude or limit in any way our liability to you where it would be unlawful to do so. This includes liability for death or personal injury caused by our negligence or the negligence of our employees, agents or subcontractors and for fraud or fraudulent misrepresentation; and

2. different limitations and exclusions of liability will apply to liability arising under an agreement with our Clients as set out in clause 6 above.

18.2.

Caply shall not incur any liability to any user on account of any loss or damage resulting from any delay or failure to comply with all or any part of these Terms if such delay or failure is caused by circumstances reasonably beyond the control of Caply.

18.3.

Caply shall not be responsible under any circumstances if you are unable to access the Platform due to any software and hardware features, settings or functionality of your personal computer or device.

18.4.

Subject to clause 18.1 and to the maximum extent permitted by law, Caply excludes all representations, warranties, obligations and liabilities in connection with the information provided through the Platform, including but not limited to warranties of satisfactory quality, non-accuracy, completeness, reliability, fitness for a particular purpose or otherwise.

18.5.

We will not be liable to you for any loss or damage, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, even if foreseeable, arising under or in connection with use of or inability to use our Platform, or use of or reliance on any content displayed on our Platform. In particular, we will not be liable for: (a) loss of profits, sales, business, or revenue; (b) business interruption; (c) loss of anticipated savings; (d) loss of business opportunity, goodwill or reputation; or (e) any indirect or consequential loss or damage.

19. How we may use your personal data

We will only use your personal data as set out in our Privacy Policy.

20. Governing law and jurisdiction

These Terms, their subject matter and their formation (and any non-contractual disputes or claims) are governed by the law of England and Wales. We all agree to the exclusive jurisdiction of the courts of England and Wales save that we may issue enforcement proceedings or pursue equitable remedies (including injunctions) in any court of competent jurisdiction.

21. General

21.1.

If you are unhappy with our services and wish to raise a complaint, please view our Complaints Policy (Section 22) to understand how you can do so.

21.2.

We may transfer our rights and obligations under these Terms to another organisation. If you are a Client, we will always tell you in writing if this happens and we will ensure that the transfer will not affect your rights under the agreement with us.

21.3.

If any part of these Terms is held to be unenforceable, that part shall, where possible, be amended to the extent required to give effect to the intent of the parties, and the remaining Terms shall continue in full force and effect.

21.4.

These Terms do not give rise to any rights under the Contracts (Rights of Third Parties) Act 1999 to enforce any Terms set out herein.

21.5.

You should print and keep a copy of these Terms, which, as updated from time to time, form the entire agreement between you and Caply.

21.6.

No delay in exercising or non-exercise by you and or Caply of any rights under or in connection with these Terms shall operate as a waiver or release of each of your or Caply’s rights. Rather, any such waiver or release must be specifically granted in writing signed by the party granting it.

22. Complaints Policy

We are committed to providing you with excellent service. However, if you are not satisfied with the services we have provided you or you have any concerns, please let us know.

This policy explains how you can make a complaint and what you can expect from us.

If you have any questions about this policy or need assistance making a complaint, please contact us using the details in section 1.

1. How to make a complaint

You can complain to us either by:

• Email: support@caply.co.uk

• Phone: 0208 191 3855

• Post: 119-121 Brent Street, London, England, NW4 2DX

If your complaint is in relation to the service provided by a credit introducer, servicer or lender (“Facilitator”), please refer to the relevant Facilitator’s complaints procedure.

2. Details required to make a complaint

When you write to us, we request that you provide us with the details of the business or organisation concerned, your position, your contact details and full details of the concern or complaint.

We may request proof of identity or authority to ensure that we are dealing with a legitimate person.

3. How we deal with your complaint

We will acknowledge your complaint within 5 business days of receipt.

If we identify that your complaint relates to the services being provided by a Facilitator, we will refer the details of your complaint to the relevant Facilitator.

We will aim to resolve your complaint as soon as possible, and in the event we need more time to investigate further, we will promptly notify you and provide you with an estimated timeframe (if possible). In any event we keep you updated on the progress of our investigations and will provide you with an outcome no later than 4 weeks from when we first received the complaint.

4. Outcome of the complaint

If you are not satisfied with the outcome, you should inform us within 14 days of receiving the outcome report otherwise we will consider the complaint resolved.

We will promptly escalate the complaint to the relevant senior personnel and engage with you in good faith discussions at a date and time suitable to both parties to resolve the complaint.

We do hope that together we will find a resolution. However, in the unlikely event we are not able to reach an agreement, you may consider an alternative course of action.

This policy was last updated on: March 2026