Please read these terms and conditions carefully. As we may accept your installment payment plan, credit card payment plan, or finance request and enter into a legally enforceable agreement without further reference to you, it is essential that you read these terms and conditions to ensure they contain everything you require and nothing with which you are not satisfied.
1.1. These Terms and Conditions apply to the purchase of healthcare services, including medical and dental treatments. We are Finance Health Group Ltd, a financial broker company with a registered address at 300a Bath Road, Hounslow, TW4 7DN.
1.2. We are authorized and regulated by the Financial Conduct Authority (FCA) under Financial Services Register (FRN) number 915721. Our official email address is info@financehealthgroup.com.
1.3. These are the terms upon which we act as an intermediary to facilitate healthcare services via installment and payment plans. Before submitting a finance or installment application, you will be required to agree to these Terms and Conditions by clicking the "I Accept" button or by providing a Direct Debit instruction prior to clicking "Payment."
1.4. By clicking the acceptance button, you acknowledge and agree to be bound by all these terms and conditions. You may only purchase these services if you are eligible to enter into a contract and are at least 18 years of age.
2.1. Consumer: Refers to an individual acting for purposes that are wholly or mainly outside their trade, business, craft, or profession.
2.2. Contract: Refers to the legally binding agreement between you and us for the provision of services.
2.3. Location: Refers to the country from which the Customer submits their application.
2.4. Durable Medium: Refers to paper, email, or any other medium that allows information to be addressed personally to the recipient, enables the recipient to store information for future reference, and allows the unchanged reproduction of the stored information.
2.5. Privacy Policy: Refers to the terms setting out how we process confidential and personal information received from you via email or our website.
2.6. Services: Refers to healthcare services, specifically medical and dental treatment or surgical operation services.
2.7. Website: Refers to our official website, www.financehealthgroup.com.
3.1. Regarding healthcare services tailored to your specific requirements and the Clinic/Hospital of your choice, it is your sole responsibility to ensure that any information or specifications you provide are accurate and complete.
3.2. Before proceeding with any healthcare service, you must ensure that you have read and fully understood the informed consent documentation regarding potential complications related to your treatment. We strongly recommend seeking a second opinion from a qualified medical professional before making a final decision.
3.3. We reserve the right to make any necessary amendments to the Services to comply with applicable laws or safety requirements. You will be formally notified of any such changes.
4.1. All personal data is retained and processed strictly in accordance with our Privacy Policy and relevant data protection legislation.
4.2. You expressly agree that we may contact you via email or other electronic communication methods for matters related to your application and the services provided.
5.1. Once the contract has been signed with the financing Lender, you may proceed to schedule your appointment with your agreed-upon Hospital.
6.1. Finance Health Group is an Intermediary Institution whose sole responsibility is the collection of payments (either as a single transaction or in installments).
6.2. We do not assume any responsibility or liability for any healthcare services, medical treatments, dental procedures, operations, or flight and travel processes in any country, hospital/clinic, or location.
6.3. We are not responsible for the conduct, behavior, or professional approach of the employees, doctors, or staff at the hospital or the country where the treatment is administered.
6.4. The selection of the hospital and doctor is entirely the choice of the patient. The provision of financing by us does not constitute a reference or endorsement of your chosen hospital or its treatments.
6.5. We strongly recommend that patients conduct their own due diligence by checking platforms such as Trustpilot or Google Reviews, or by obtaining references from previously satisfied patients before selecting a hospital or doctor.
6.6. Customers must make their own informed decisions regarding treatment/operations after conducting thorough research. They are responsible for reading and fully understanding the consent forms in their native language prior to any procedure.
6.7. Finance Health Group does not provide any medical advice or guidance and shall not be held liable for any outcomes related to these choices.
Once approved, funds are disbursed directly to your nominated personal bank account. A service fee is applied based on your chosen payout speed, as illustrated below (based on a £1,000 approval):
Standard Payout (14-day processing): 10.00% total deduction → Net Payout: £900.00
8. Cancellation, Refund, and Administrative Fee Policy
8.1. Administrative Fee: Please be advised that once a financing application is approved and the loan agreement is generated, our Lenders (Stripe, Klarna, and Affirm) charge non-refundable processing fees immediately. Therefore, any cancellation or refund request—regardless of whether the funds have been transferred to your account yet—is subject to a 5% Administrative Fee. This fee is strictly used to cover these non-recoverable transaction costs and credit facility setup charges incurred at the moment of approval.
8.2. Non-Refundability: Once a payment plan is accepted and the payout is executed, payments are generally non-refundable by Finance Health Group.
8.3. Flexibility and Usage: Customers maintain the right to change their treatment date, treatment plan, or hospital/clinic, subject to availability. .
8.4. Disputes and Hospital Refunds: If a planned treatment cannot be carried out or remains incomplete for medical or other reasons, any refund arrangement must be negotiated and agreed upon directly with the hospital, clinic, or agency where the treatment was provided. This is because Finance Health Group pays the financing amount directly to you; you independently decide on the healthcare provider, negotiate the treatment terms, and settle the payment with the provider yourself. Consequently, Finance Health Group is not a party to the financial transaction between you and the healthcare provider.
8.5. Statutory Rights: This policy does not affect any statutory consumer rights you may have under applicable law.
9.1. These Terms and Conditions, and the relationship between you and Finance Health Group Ltd (whether contractual or otherwise), shall be governed by, and construed in accordance with, the laws of England and Wales.
9.2. Any dispute, controversy, proceedings, or claim between you and Finance Health Group Ltd relating to these Terms and Conditions, or the relationship between you and us, shall fall within the jurisdiction of the courts of England and Wales.
