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Legal

The legal documents listed below govern (a) how you can use the Funding Circle website and platform, (b) privacy, and (c) how you become an investor or a borrower on the platform and our relationship with you.


Website and Funding Circle Platform Terms of Use


Funding Circle Privacy Policy


Investor Terms and Conditions


Borrower Terms and Conditions (Loan applications started up to 31st March 2021)


Funding Circle Borrower Agreement (Loan applications started on or after 1st April 2021)


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Copyright © Funding Circle Ltd 2025. All rights reserved

Funding Circle Ltd is authorised and regulated by the Financial Conduct Authority under firm registration number 722513.

Funding Circle Ltd is not covered by the Financial Services Compensation Scheme.

Registered in England (Co. No. 06968588) with registered office at 71 Queen Victoria Street, London, EC4V 4AY.

Funding Circle Ltd is a distributor of Modulr FS Limited, a company registered in England and Wales with company number 09897919, which is authorised and regulated by the Financial Conduct Authority as an Electronic Money Institution (Firm Reference Number: 900573) for the issuance of electronic money and payment services. Your FlexiPay account and related payment services are provided by Modulr FS Limited. Whilst Electronic Money products are not covered by the Financial Services Compensation Scheme (FSCS) your funds will be held in one or more segregated accounts and safeguarded in line with the Electronic Money Regulations 2011 - for more information please see website.

Funding Circle also provides a FlexiPay Business Credit Card. This is separate and unrelated to the account and payment services you receive from Modulr FS Limited.

The FlexiPay Business Credit Card is issued by Monavate Ltd (Company Number: 12472532) authorised in the UK by the Financial Conduct Authority to issue electronic money (e-money) and provide payment services (Firm Reference Number 901097). The card is issued by Monavate Ltd pursuant to licence by Visa.