Terms and Conditions
24 September 2025
Summary
This summary is provided for ease of reference only and does not form part of these Terms and Conditions.
- Use of the Site is subject to all Terms set out below. If you do not agree, please stop using the Site immediately.
- The Site is for personal use only and may not be used for commercial purposes.
- The Site is for customers located in the United Kingdom only.•The Site may only be used by persons aged 18 or over.
- Using the swoppa Site or services on behalf of another person is prohibited.
- We may amend these Terms and Conditions at any time by updating this page. Please check regularly for updates. Where required by law, we will notify you of material changes.
Who We Are
TAL Marketing Group Limited t/a swoppa is an appointed representative of Creative Finance Corp LTD (FRN 968428). Creative Finance Corp LTD is authorised and regulated by theFinancial Conduct Authority under reference FRN 702435, and is the principal firm of TAL Marketing Group Limited.
For the purposes of these Terms and Conditions, references to “we”, “us”, “our” or the “Site” are to swoppa, a registered trading name of TAL Marketing Group Limited.
Definitions
In these Terms and Conditions:
- Service – any service that we display on our Site.
- Site – any website, mobile application, or other channels operated by us.
- You / Your – any person who accesses or uses the Site.
Your Acceptance of These Terms
By accessing and using the Site, you agree to be bound by these Terms and Conditions and our Privacy Policy. If you do not agree, you must stop using the Site immediately.
Changes to These Terms
We may update these Terms and Conditions from time to time by posting the revised version on this page. Changes will take effect from the date they are posted. Where required by law, we will notify you of material changes.
How to Contact Us
If you have any questions about these Terms, you can contact us:
- By Post: TAL Marketing Group Limited T/A swoppa, Work.Life, Brown Street, Manchester, M2 1DH
- By Email: hello@swoppa.co.uk
Communications and Marketing
If you opt-in, we may contact you with updates on your credit score, vehicle valuation, or account status. You may opt-out at any time by:
- Updating your preferences in your swoppa account,
- Clicking the unsubscribe link in our emails, or
- Contacting hello@swoppa.co.uk
Intellectual Property Rights
All intellectual property rights (including copyright, database rights, trademarks, patents, and design rights) in the Site and its content belong to TAL Marketing Group Limited T/A swoppa or its licensors. All rights are reserved.
You may print or download extracts of pages for your personal use only. You must not:
- Modify paper or digital copies of any materials you print or download.
- Use illustrations, photographs, video, or audio separately from accompanying text.
- Copy, distribute, or commercially exploit any content without our permission.
Security
We use industry standard encryption and internet security protocols to protect your information. Any data you provide is encrypted and cannot be read by unauthorised parties.
Prohibited Use
You must not use the Site to:
- Commit fraud, misrepresentation, or any unlawful activity.
- Copy, scrape, or harvest data for commercial purposes.
- Interfere with the operation or security of the Site.
- Act on behalf of another person without authorisation.
Jurisdiction
These Terms, and any non-contractual obligations arising from them, are governed by the laws of England and Wales. You agree to submit to the exclusive jurisdiction of the English courts.
Liability
To the extent permitted by law, we exclude all conditions, warranties, or representations which may otherwise apply to the Site or its content, whether express or implied.
Nothing in these Terms excludes or limits our liability for:
- Death or personal injury caused by our negligence,
- Fraud or fraudulent misrepresentation, or
- Any other liability which cannot be excluded by law.
Your statutory rights remain unaffected.
Withdrawal of Consent
If you withdraw your consent for us to access or use your information from TransUnion (or any other credit reference agency), we will immediately stop using your data. We will not request or process any further information from TransUnion about you after your withdrawal has been received.
Eligibility and Use of the Site
- The Site is for personal use only and may not be used for commercial purposes.
- The Site is available only to residents of the United Kingdom who are aged 18 or over.
- You may not use the Site or services on behalf of another person.
Data Access and Consent
- By using the Site, you authorise us to access your information from TransUnion and other providers for the purposes described in these Terms.
- If you withdraw your consent, we will immediately stop using your data and will not request or process any further information from TransUnion in relation to you.
Your Data Rights (GDPR)
You have the following rights under UK data protection law:
Right to be informed – we must tell you how we use your data (see our Privacy Policy).
- Right to object – you may object to our processing at any time by emailing hello@swoppa.co.uk.
- Right of access – you can request confirmation of whether we hold your personal data.
- Right to rectification – you may ask us to correct inaccurate data.
- Right to erasure (“right to be forgotten”) – you may request deletion of your personal data when no longer necessary.
- Right to restrict processing – you may request restrictions in certain cases (e.g. disputed accuracy).
- Right to data portability – you may request transfer of your data to another service provider.
- Rights relating to automated decision-making – you can object to automated decisions, request human review, and challenge outcomes.
- We work with TransUnion and its group companies to provide credit reference and fraud prevention services. Your data may be processed in the ways described in: transunion.co.uk/legal-information/bureau-privacy-notice and https://www.transunion.com/privacy/iovation
For more details, see our Privacy Policy.
If you are dissatisfied with how we handle your data, you may complain to the Information Commissioner’s Office (ICO) (contact details below).
Complaints
We aim to provide excellent service at all times. If you wish to make a complaint, please contact us at hello@swoppa.co.uk.
If you are not satisfied with our response, you may escalate your complaint to the Financial Ombudsman Service within six months of our final response:
Financial Ombudsman Service
Exchange Tower, London, E14 9SR
Tel: 0800 023 4567
Website: www.financial-ombudsman.org.uk
Email: complaint.info@financial-ombudsman.org.uk
You may also raise concerns with the Information Commissioner’s Office (ICO):
Information Commissioner’s Office
Wycliffe House, Water Lane, Wilmslow, Cheshire, SK9 5AF
Tel: 0303 123 1113
Website: www.ico.org.uk
Last Updated: Wednesday, 24 September 2025
TAL Marketing Group Limited trading as swoppa is registered in England and Wales under company number: 10612899. Registered Office Address: Work Life, Brown Street, Manchester, England, M2 1DH. TAL Marketing Group Limited t/a swoppa is an appointed representative of Creative Finance Corp LTD under reference FRN 968428. Creative Finance Corp LTD is authorised and regulated by the Financial Conduct Authority under reference FRN 702435, and is the principal firm of TAL Marketing Group Limited. We act as a credit broker not a lender. We work with a number of carefully selected credit providers who may be able to offer you finance for your purchase. (Written Quotation available upon request.) Whichever lender we introduce you to, we will typically receive commission from them (either a fixed fee or a fixed percentage of the amount you borrow) and this may or may not affect the total amount repayable. The lender will disclose this information before you enter into an agreement which only occurs with your express consent. The lenders we work with could pay commission at different rates and you will be notified of the amount we are paid before completion. All finance is subject to status and income. Terms and conditions apply. Applicants must be 18 years or over. We are only able to offer finance products from these providers. As we are a credit broker and have a commercial relationship with the lender, the introduction we make is not impartial, but we will make introductions in line with your needs, subject to your circumstances. TAL Marketing Group Limited t/a swoppa are registered with the Information Commissioner's Office under registration number ZB241343. Your details will be shared with 3rd parties, where it is necessary for our legitimate interests (or those of a third party) and your interests, and your fundamental rights do not override those interests, such as companies that can improve your current financial circumstances.
