Terms & Conditions

1. About This Website

These terms govern your use of the Aarubi website at aarubi.co.uk and the services described on it. The public website includes non-finance services provided by Aarubi Ltd and business funding enquiry pages operated by Aarubi Finance Ltd. General website questions can be sent to support@aarubi.co.uk. Business funding questions can be sent to aarubifs@gmail.com.

2. Service Areas and Entities

Aarubi Ltd provides or supports non-finance website services such as business energy, card payment support, business insurance, AI tools and general enquiries. Business funding enquiries submitted through the Business Funding page are for Aarubi Finance Ltd.

Aarubi Finance Ltd is registered in England and Wales under company number 16422403. Registered office: 66 The Kent, Rugby, CV21 4NQ.

3. Business Funding Disclosure

Aarubi Finance Ltd is not authorised or regulated by the Financial Conduct Authority. We provide Merchant Cash Advance services with YouLend and 365 Finance and may introduce eligible businesses to selected unregulated commercial finance providers. We do not provide consumer credit, regulated mortgages or personal financial advice. Eligibility and terms apply.

4. No Consumer Credit or Regulated Mortgage Services

Business funding information on this website is for eligible commercial applicants only. We do not advertise personal loans, consumer credit, regulated mortgages or personal financial advice through aarubi.co.uk.

5. Eligibility, Quotes and Information

Any funding, energy, card payment or insurance information on this website is general information only. Eligibility, prices, savings, terms and availability depend on your circumstances and the information you provide. No statement on this website should be treated as a guarantee of acceptance, funding, savings, lowest price or suitability.

6. Fees, Commission and Introductions

Our initial consultations and website tools are free to use. Aarubi Finance Ltd works with YouLend and 365 Finance for Merchant Cash Advance enquiries. For other commercial loan enquiries, Aarubi Finance Ltd may introduce eligible businesses to finance providers. Provider names and any commission or introducer fee details will be confirmed before your details are shared or before you proceed.

Aarubi may receive a commission, fee or commercial benefit from suppliers, providers or funding partners where permitted and disclosed as part of the relevant service. Specific commission or introduction arrangements should be confirmed before you enter into any agreement.

7. Privacy and Data Sharing

Business funding enquiry forms do not request bank login details, payment card details, ID documents or supporting documents. Do not send those details through a website form. For Merchant Cash Advance, Aarubi Finance Ltd works with YouLend and 365 Finance. For other commercial loan introductions, provider names and any commission or introducer fee details will be confirmed before your details are shared or before you proceed.

8. Your Responsibilities

When using our website or services you agree to:

• Provide accurate and complete information when submitting enquiries
• Review any proposed commercial agreement carefully before proceeding
• Not use our website for any unlawful purpose
• Not attempt to interfere with the operation of our website

9. Limitation of Liability

To the fullest extent permitted by law, Aarubi shall not be liable for any indirect, incidental, or consequential loss arising from your use of our website or services. Nothing in these terms limits liability for death or personal injury caused by negligence, fraud, or any liability that cannot legally be limited.

10. Intellectual Property

All content on this website including text, graphics, logos and images is protected by copyright. You may not reproduce or distribute any content without written permission.

11. Third Party Links

Our website may contain links to third party websites for non-funding services or general information. We are not responsible for the content or privacy practices of those sites.

12. Complaints and Contact

General website questions can be sent to support@aarubi.co.uk. Business funding questions or complaints can be sent to aarubifs@gmail.com or raised by phone on 07989 225 885. For business funding matters, please state that your enquiry relates to Aarubi Finance Ltd.

13. Governing Law and Changes

These terms are governed by the laws of England and Wales. We may update these terms from time to time, and the date at the top of this page will reflect the most recent version.