About Us

  • Treatment Finance is a trading style of Snowbird Finance Ltd, a company registered in England and Wales with company registration number 06346206. Our registered office address is 88 North Street, Hornchurch RM11 1SR.
  • Snowbird Finance Ltd is authorised and regulated by the Financial Conduct Authority (“FCA”) under Financial Services Register number 661943. We are also registered with the Information Commissioner’s Office under registration number Z1072768.
  • To contact us, telephone our support team at 01932 874 674 or email at info@snowbirdfinance.co.uk.

How the portal works

  • Our Portal allows Merchants, Customers and Lenders to connect at the point of sale (“Portal”). The Portal enables Merchants to offer their customers financing for products and services at the point of sale. Customers are provided with a single application to complete on the Portal and, on completion, the Platform searches its panel of lenders simultaneously for an offer of credit for the customer.
  • When using the Platform, Customers are purchasing the Goods/Services from the Merchant; they are not purchasing the Goods/Services from the Portal. Customers should refer to the Merchant for details of any terms or conditions applying to the purchase from the Merchant, including their statutory right to cancellation and a refund.
  • If an application for credit made using the Portal is successful, and the offer of credit is accepted, Customers will receive credit from a Lender on our panel. Customers do not receive finance from us. For the terms relating to your Credit Agreement, please refer to the Lender directly.

Customer Terms

  • These terms and conditions (“Customer Terms”) apply to the Customer (“you”, “your”) who is using the Portal to arrange financing for the purchase of Goods/Services from a Merchant.
  • By agreeing to these Customer Terms, you are bound by them in their entirety. If you refuse to accept these Customer Terms, we will not be able to process your application.
  • References in these terms and conditions to “you” and “your” are to you in your capacity as a Customer.
  • These Customer Terms were last updated on 1st July 2026.

Personal Information

  • Your use of the Portal and any services you access via the Portal are subject to our Privacy Policy. Please read our Privacy Policy carefully as it contains important information about your personal information.

Amends to the Customer Terms

  • We expect to amend these Customer Terms from time to time to:
    • comply with law or regulations; or
    • meet our changing business requirements.
  • We may make such amendments without your specific agreement, but only where those updates are required to comply with law or regulations or are of an immaterial and routine nature.

Credit applications, credit facilities and deposits

  • You can use the Platform to apply for a Credit Facility in connection with the purchase of goods/services from approved Merchants.
  • When you make a Credit Application, we will submit a request for credit (a “Credit Request”) to certain lenders who fit the relevant product criteria.
  • Each such lender will conduct a search of your credit profile, in addition to identification checks, anti-money laundering checks and financial sanction checks. These searches may be soft (which do not leave a footprint on your file), or hard (which will be visible to other lenders), and provide one of the following three responses to such Credit Request via the Platform:
    • accept the Credit Request;
    • request additional documentation from you via the Platform before a final credit decision is made; or
    • decline the Credit Request.

By making a Credit Request you consent to the relevant lenders making such searches and checks.

  • If a Credit Request is accepted by a Lender, such Lender will provide all relevant pre-contractual documentation, a Credit Agreement signed by such Lender and a payment method for you to fill out.
  • You acknowledge and agree that each Lender in its sole discretion has the right to decline or not continue with any Credit Application for any reason and/or to attach any conditions to the entry into any Credit Agreement as it considers appropriate.
  • If a Deposit is required, such Deposit shall not be financed by the proceeds of a Credit Facility.

Claims, disputes and complaints

  • Any and all claims, disputes or complaints in relation to the Goods/Services should be sent directly to the Merchant.
  • If you have any claims, disputes or complaints in relation to your Credit Agreement, then you must direct these to the Lender directly.

Refunds and cancellations

  • These Customer Terms do not affect any contractual or other rights you may have to cancel or terminate your purchase of Goods/Services from the Merchant. Please refer to the Merchant and/or to the Sale Agreement for information about these rights.

Complaints

  • If you have any complaint about this Platform or any of the services we provide, you should contact our complaints department via email at info@snowbirdfinance.co.uk, by phone at 01932 874674.
  • If you feel that your complaint or grievance has not been dealt with satisfactorily, you have the right to take your complaint to the Financial Ombudsman. If you have not received a final response letter from us within eight weeks of raising your complaint, or the final response letter has been received but is not satisfactory to you, you will need to bring your complaint to the Financial Ombudsman within six months. You can contact the Financial Ombudsman at The Financial Ombudsman Service, Exchange Tower, London, E14 9SR or by calling them on 0800 023 4567.
  • If you do refer your complaint to the Financial Ombudsman Service, this will not affect your right to take legal action.

Linking 

  • We can link to other websites which are not within our control. Once you have left our Portal, we are not responsible for the content of other websites or for the protection and privacy of any information which you provide on these websites.
  • You are responsible for ensuring that all of your user ID and passwords are kept secure and for configuring your information technology, computer programmes and platform in order to access the Platform. You should use your own virus protection software.

Governing laws and jurisdiction

  • These Customer Terms and any dispute or claim arising out of or in connection with any of them or their subject matter or formation (including non-contractual disputes and claims) shall be governed by and construed in accordance with the law of England and we and you irrevocably agree that the courts of England and Wales shall have exclusive jurisdiction to settle any such dispute or claim.
  • If you live in Scotland you can bring legal proceedings in either the Scottish or the English courts. If you live in Northern Ireland you can bring legal proceedings in either the Northern Irish or the English courts.

Definitions and interpretations

  • In these Customer Terms the following words and expressions shall have the following meanings:

“Applicable Law” means all laws, rules, regulations, policies, guidance or industry codes, rules of court or directives or requirements or notice of any Regulatory Body, delegated or subordinate legislation which are relevant and applicable to the performance of obligations under these Customer Terms;

“Credit Agreement” means a credit agreement between a Lender and you for a Credit Facility entered into, or to be entered into, via the Platform in such form as may be required by such Lender from time to time;

“Credit Application” means an application submitted by you, or to be submitted by you, via the Platform for a Credit Facility in such form as may be required by us from time to time;

“Credit Facility” means a credit facility provided by a Lender to you under a Credit Agreement to be applied in payment (or part-payment) of the relevant Goods/Services;

“Customer” means you, a person introduced to the Platform by a Merchant, who has registered as a customer on the Platform and entered into, or wishes to enter into, a Credit Agreement with a Lender using the Platform;

“Deposit” means, in respect of each Credit Agreement, the deposit collected by the Merchant from the Customer (if any) for the Goods/Services;

“FCA” means the Financial Conduct Authority, or any successor Regulatory Body;

“Goods/Services” means the products and/or services to be supplied by the Merchant to the Customer under the applicable Sale Agreement and which were, or are to be, financed using the Credit Facility;

“Lender” means the lender providing or which offers to provide a Credit Facility to you;

“Merchant” means the seller or provider of the Goods/Services;

“Portal” has the meaning given in paragraph 2.1;

“Regulatory Body” means those government departments and regulatory, statutory and other entities, committees and bodies which, whether under statute, rules, regulations, codes of practice or otherwise, are entitled to regulate, investigate, or influence the matters dealt with in these Customer Terms or any other affairs of the Parties or either of them (including the FCA);

“Sale Agreement” means an agreement entered into by you and a Merchant for the supply of the Goods/Services (whether or not in writing); and

“Working Day” means a day (other than a Saturday, a Sunday or a public holiday in England) on which banks in London are open for business.

  • In these Customer Terms:
    • references to Paragraphs are to Paragraphs of these Customer Terms;
    • references to a “person” shall be construed to include any individual, firm, company, government, state or agency of the state or any joint venture, association or partnership (whether or not having separate legal personality);
    • a reference to any statute or statutory provision shall be construed as a reference to the same as it may have been, or may from time to time be, amended, modified or re-enacted;
    • any words following the terms “including”, “include”, “in particular” or any similar terms shall be construed as illustrative only and shall not limit the sense of the words preceding those terms;
    • use of the singular includes the plural and vice versa;
    • any obligation on us or you not to do something includes an obligation not to allow that thing to be done;
    • any reference to an English legal term for any action, remedy, method of judicial proceeding, legal document, legal status, court, official or any legal concept or thing shall, in respect of any jurisdiction other than England, be deemed to include a reference to that which most nearly approximates to the English legal terms in that jurisdiction;
    • where a Lender is a peer to peer lending platform, references to such Lender include such Lender acting on behalf of lenders acting through a peer to peer lending platform; and
    • headings to Paragraphs are for convenience only and shall not affect the interpretation of these Customer Terms.