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Terms & conditions

Terms and conditions of use

Access to and use of this website is subject to the following terms and conditions (“Terms and Conditions”). By accessing and using this website you accept without limitation or qualification the Terms and Conditions. If you do not agree to the Terms and Conditions please do not use this website.

Atruistic Commercial Finance (ACF) reserves the right to modify, update or otherwise change the Terms and Conditions by revising this page at any time without further notice. You agree to be bound by any such revisions and therefore you should visit this page regularly to determine the current terms to which you are bound.


ACF uses reasonable efforts to maintain accurate information on this website. However, ACF makes no warranties or representations as to the accuracy of the information placed on or referred to on this website and assumes no liability or responsibility for any errors or omissions in the content of this website.

ACF shall not be liable to any person or organisation for any loss or damage (whether direct or indirect, including loss of profits or any consequential loss) which may arise from any use of any material published on this website.

This website may contain links to other websites which are not under the control of ACF. ACF will not be responsible or liable in any way in respect of the material of any third party websites and ACF shall not be liable for any loss or damage (whether direct or indirect, including loss of profits or any consequential loss) resulting from your use of such third party websites.

You agree to indemnify, defend and hold ACF and its affiliates and their respective officers, directors, licensors and agents (the “Indemnified Parties”) harmless from and against any and all claims, liability losses and expenses incurred by any Indemnified Party in connection with any breach by you of these Terms and Conditions. ACF reserves the right, at its own expense, to assume the exclusive defence and control of any matter subject to indemnification by you under these Terms and Conditions, and, in such case, you agree to cooperate with ACF's defence of such claim.

Intellectual property

All intellectual and other property rights, including trademarks and trade names are owned by ACF, except where otherwise indicated. No rights of any kind are granted or shall otherwise pass to any persons accessing this website.


ACF holds the copyright to the contents of this website, except where otherwise indicated. No part of this website may be reproduced, copied, modified, distributed, sold, published, transmitted or appropriated in any way or by any means without the prior written consent of the rights owner.

Gathering personal Information

Before you supply any personal details to us via the contact us form on this website please read our privacy policy. This notice sets out how we will process your personal data in line with the General Data Protection Regulations. Once you have read the privacy policy, please tick the box on the contact form to confirm that you have read it and that you agree to Altruistic Commercial Finance processing your personal information for the purpose of contacting you. We will not use the details you provide us in the contact form to market to you.

Applicable law

These Terms and Conditions shall be governed by the laws of Scotland. The courts of Scotland shall have exclusive jurisdiction over any dispute arising out of the use of this website.

Complaints policy

Altruistic Scotland Limited is committed to providing products and services of the highest standard. If for any reason, you feel you are not entirely satisfied with any aspect of our service, please let us know straight away.

Our Complaints department will investigate your complaint competently, diligently, and impartially.

How to make your complaint:

Firstly, let us know what has happened. You can call, email, or write to us. Our contact information is detailed at the bottom of this document.

We will need to know some details:

  • Your name and address, email and phone number along with your preference on how you would like us to contact you.

  • Your loan agreement number (if appropriate)

  • A clear description of your complaint and whether any 3rd party is involved.

  • Details of what you would like us to do to resolve your complaint.

  • Copies of any relevant supporting documentation.


What happens next?

We will contact you within 3 working days to let you know we are considering your complaint and clarify any points where necessary. If we can resolve your complaint within 3 working days, we will send you a Summary Resolution Communication. This is a written confirmation, which confirms that you made a complaint and that we now consider the matter resolved.

If you subsequently decide that you are dissatisfied with the resolution of the complaint, you may be able to refer the complaint to the Financial Ombudsman Service, or the ICO, dependent upon the circumstances surrounding the case.

We will indicate within the communication whether we consent to waive the relevant time limits as set out in the FCA handbook (Dispute Resolution) if this is applicable.

We will keep you regularly updated about what’s happening and discuss our findings. We will consider all the available evidence, the circumstances, relevant laws, or regulation, as well as guidance from the Financial Ombudsman Service where applicable. When we have investigated your complaint, we will write to you to let you know our final response. This detailed letter will tell you what we have found, what we plan to do and how we came to our decision. If it is going to take us more than eight weeks to resolve your complaint, from when you first contacted us, we will update you on our progress and explain why it is still ongoing.

Our contact details to send your complaint to are:

Altruistic Scotland Limited (trading as Altruistic Commercial Finance)

25 East Pilton Farm Wynd, Edinburgh, EH5 2GJ

Phone: 07588 396 009


If you are not satisfied with how we dealt with your complaint or you are not happy with our decision and wish to take it further, you may be able to contact the Financial Ombudsman Service (FOS) regarding your complaint provided that the complaint concerns a regulated activity, and you fall within the classification of an “eligible complainant”.

Financial Ombudsman Services contact details are:

Address: Financial Ombudsman Service (FOS), Exchange Tower, London, E14 9SR

Consumer helpline: 0800 023 4567 or 0300 123 9123

Switchboard: 0207 964 1000


Please be aware of the European Commission’s Online Dispute Resolution platform (ODR) which allows you to make a complaint about online purchases through the platform. This platform may be used to facilitate resolution of disputes and sits alongside our existing complaints procedure. For more information visit

FCA Regulation

Altruistic Commercial Finance is a trading name of Altruistic Scotland Limited who are authorised and regulated by the Financial Conduct Authority for its credit brokering activities and who deals with a panel of lenders. Altruistic Scotland Limited is entered on the Financial Services Register under reference 994612.  Altruistic Scotland Limited is registered in Scotland. Company no: SC652416. Registered Address:  25 East Pilton Farm Wynd, Edinburgh EH5 2GJ. ICO Number: ZB140475

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