Terms and Conditions of Service (TillFlow)

Effective Date: January 2025

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Last Updated: May 2025

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1. About TillFlow
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TillFlow is a trading name of Neptune Credit Brokers, L.P. a UK-based commercial finance broker that operates independently and is not regulated by the Financial Conduct Authority (FCA). We specialise in introducing UK businesses to commercial finance providers. We do not provide financial advice or credit broking services to individuals or regulated entities.

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2. Scope of Services

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TillFlow provides:

- A digital platform for business finance discovery
- Introductions to commercial lenders and brokers

We do not offer regulated credit broking services under the Consumer Credit Act 1974. Our services are strictly for limited companies and incorporated businesses.

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3. No Financial Advice

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TillFlow does not provide financial, legal, or tax advice. Any information provided is for general informational purposes only. You should seek independent professional advice before entering into any financial agreement.

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4. Eligibility

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You must be:

- A UK-based business (Limited company or LLP)
- Over 18 years of age
- Authorised to act on behalf of your business

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5. Third-Party Introductions

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We may introduce you to third-party lenders or brokers. We are not responsible for the products or services they offer. You are solely responsible for reviewing and agreeing to their terms.

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6. Fees and Commissions
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TillFlow may receive a commission from lenders or brokers for successful introductions. This does not affect the cost of finance to you. We do not charge businesses directly for using our platform.

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7. Governing Law
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These Terms are governed by the laws of England and Wales. Any disputes shall be subject to the exclusive jurisdiction of the English courts.