General guidelines for ensuring FCA compliance
Please read the following guidelines carefully to ensure your advertising is compliant with current regulations from the Financial Conduct Authority (FCA). To make things as easy as possible, we have created pre-approved text and images for your website and created leaflets for you to use.
To request material, please click on the contact us tab, select “request marketing material” from the drop down menu, write what materials you require and upload your logo.
Materials available for request include A5 leaflets (pdf), website banners and social media content*
Want to create your own marketing material to advertise finance?
If you want to advertise using your own created material, before you can go live with it, you must first email marketing@hiber.com with the created material and nature of the proposed advertising for it to be approved.
Anyone found using unauthorised materials will have their account suspended
Please contact us on 03330 069 735 to discuss advertising in more detail
*All marketing material is generic and not bespoke to your company but we will try to match as close as possible. Social media content is only available for Max plan users.
Guidelines for Appointed Representatives
As an Appointed Representative (AR), you can introduce customers to hiber if they are interested in exploring finance options.
Furthermore, as an AR, you are allowed to discuss various finance details with the customer, including finance options, pricing, the application process, and customer affordability.
In addition to these, you are also allowed to promote financial promotions in real-time, including discussing finance options in person, over the phone, and via interactive chats.
It is essential that any financial promotions are fair, clear and not misleading.
Marketing material
When creating your own marketing materials, please use the following approved statements. In any financial promotions, it is required to include a disclosure statement and clarify that eligibility criteria are in place. Advertisements can’t influence customers towards a particular loan.
If advertising specific finance options, representative examples MUST be used and approved by hiber before publishing
Phrases to advertise finance in compliance with FCA guidelines
Finance available
Opportunities to spread cost available
Monthly payments available
Finance your installation
Please remember to send your created marketing material to us at marketing@hiber.com for review before publishing, alongside the proposed purpose and use of the material.
Advertising finance
Below you will find examples of text you can use on your website and social media platforms to advertise that finance is available. The below text is all pre-approved and in line with the guidelines set by the FCA, so please use to avoid any potential issues.
Example 1
Title: Spread the cost of your installtion
Flexible finance payment options are available on your installation. Pay on a monthly basis to help spread the costs.
By choosing finance, you can enjoy the benefits of completing your installation without having to pay the full amount upfront. Our customers can expect top-quality service and a variety of monthly payment options that are tailored to their budget.
Example 2
Title: Finance your Installation
We understand that the cost of installation can be financial burden for our customers. To make it more affordable and accessible, you can now pay with finance as a flexible payment option.
By choosing finance, you can enjoy the benefits of completing your installation without having to pay the full amount upfront. Our customers can expect top-quality service and a variety of monthly payment options that are tailored to their budget.
Example 3
Title: Finance now available
We’re excited to offer finance as a payment option, making your installation more affordable and accessible.
With finance, you’ll have the opportunity to complete your installation without upfront payment. You can choose from a range of monthly payment options that suit your budget
Twitter
We’ve got big news! Finance is now available as a payment option for all your installation needs. Get started today!
Get your installation now and pay on a monthly basis! With flexible finance payment options, you can spread the costs and enjoy top-quality service.
Upgrading your home has never been easier! With flexible finance payment options, you can complete your installation without worrying about the upfront costs. Contact us today to learn more!
Facebook/Linkedin
Don’t let the cost of installation be a burden! See a range of flexible payment options that fit your budget and enjoy quick and easy installation.
Don’t let upfront payment hold you back from upgrading your home! Flexible finance payment options make it easy to complete your installation without breaking the bank. Contact us now to get a quote!
Customer satisfaction is our top priority. With flexible finance payment options, it’s now easier than ever to upgrade your home. Contact us today to learn more!
Want to get your new [install product type] installed in your home but worried about the costs? Finance payment options make it easy to get the installation you deserve without breaking the bank. Contact us now to find out more!
Instagram
Say hello to flexible finance payment options! Paying for your installation on monthly basis means you can get your installation done without breaking the bank. Contact us today to find out more! #finance #monthlypayments #installation
Upgrade your home without the financial burden! Our flexible finance payment options make it easy to complete your installation without paying upfront. Get your quote now!
Customer satisfaction is our top priority. With flexible finance payment options, it’s now easier than ever to upgrade your home. Contact us today to learn more!
Disclosure statement
Please ensure this disclosure statement is displayed on your website. Fill in the blank spaces and place the completed statement at the bottom or in the footer of your website.
Insert full legal company name Ltd (insert FRN number) are an appointed representative of Koze Group Ltd, a credit broker not a lender. Koze Group Ltd are authorised and regulated by the Financial Conduct Authority (FRN 811281) registered in England (08357963). We offer finance products from a panel of lenders. Credit subject to age and status.
Should you wish to make a complaint of a financial nature, please click the following link: https://www.hiber.com/
Example
Joe bloggs LTD (FRN 123456) are an appointed representative of Koze Group Ltd, a credit broker not a lender. Koze Group Ltd are authorised and regulated by the Financial Conduct Authority (FRN 811281) registered in England (08357963). We offer finance products from a panel of lenders. Credit subject to age and status.
Should you wish to make a complaint of a financial nature, please click the following link: https://www.hiber.com/
Complaints procedure
Please display the below complaints procedure on your website. Copy and paste the text onto a new webpage on your website and title the page “Complaints”
Title: Complaints
Should you wish to make a complaint of a financial nature, please click the following link: https://www.hiber.com/
Privacy policy
Please ensure you have a privacy policy page displayed on your website.