{"id":20106,"date":"2024-08-08T13:00:39","date_gmt":"2024-08-08T13:00:39","guid":{"rendered":"https:\/\/stg-evopublic-testupdates.kinsta.cloud\/public\/?page_id=20106"},"modified":"2026-04-09T12:11:54","modified_gmt":"2026-04-09T12:11:54","slug":"2-5-restrictions","status":"publish","type":"page","link":"https:\/\/www.evolutionfunding.com\/public\/financial-promotions-guide\/2-5-restrictions\/","title":{"rendered":"2.5 Restrictions"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"20106\" class=\"elementor elementor-20106\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-699cd09 elementor-section-height-min-height elementor-section-content-middle elementor-section-stretched elementor-hidden-tablet elementor-hidden-mobile elementor-section-boxed elementor-section-height-default elementor-section-items-middle\" data-id=\"699cd09\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[{&quot;jet_parallax_layout_image&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;_id&quot;:&quot;49a2fd5&quot;,&quot;jet_parallax_layout_image_tablet&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_image_mobile&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_speed&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:50,&quot;sizes&quot;:[]},&quot;jet_parallax_layout_type&quot;:&quot;scroll&quot;,&quot;jet_parallax_layout_direction&quot;:&quot;1&quot;,&quot;jet_parallax_layout_fx_direction&quot;:null,&quot;jet_parallax_layout_z_index&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x&quot;:50,&quot;jet_parallax_layout_bg_x_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y&quot;:50,&quot;jet_parallax_layout_bg_y_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size&quot;:&quot;auto&quot;,&quot;jet_parallax_layout_bg_size_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_animation_prop&quot;:&quot;transform&quot;,&quot;jet_parallax_layout_on&quot;:[&quot;desktop&quot;,&quot;tablet&quot;]}],&quot;background_background&quot;:&quot;gradient&quot;,&quot;stretch_section&quot;:&quot;section-stretched&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-ec006e6\" data-id=\"ec006e6\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-01b53f0 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"01b53f0\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[{&quot;jet_parallax_layout_image&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;_id&quot;:&quot;be27c89&quot;,&quot;jet_parallax_layout_image_tablet&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_image_mobile&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_speed&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:50,&quot;sizes&quot;:[]},&quot;jet_parallax_layout_type&quot;:&quot;scroll&quot;,&quot;jet_parallax_layout_direction&quot;:&quot;1&quot;,&quot;jet_parallax_layout_fx_direction&quot;:null,&quot;jet_parallax_layout_z_index&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x&quot;:50,&quot;jet_parallax_layout_bg_x_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y&quot;:50,&quot;jet_parallax_layout_bg_y_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size&quot;:&quot;auto&quot;,&quot;jet_parallax_layout_bg_size_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_animation_prop&quot;:&quot;transform&quot;,&quot;jet_parallax_layout_on&quot;:[&quot;desktop&quot;,&quot;tablet&quot;]}]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-2395b79\" data-id=\"2395b79\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0953c2e elementor-widget elementor-widget-heading\" data-id=\"0953c2e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Financial Promotions Guide<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bbf7bc0 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"bbf7bc0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ea8cff6 elementor-widget elementor-widget-text-editor\" data-id=\"ea8cff6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"color: #ffffff;\">2.5<span style=\"color: #54b8b1;\">\u00a0\/\/<\/span>\u00a0Restrictions<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-b4831c9\" data-id=\"b4831c9\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-e231dab elementor-section-content-middle elementor-section-stretched elementor-hidden-desktop elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e231dab\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[{&quot;jet_parallax_layout_image&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;_id&quot;:&quot;49a2fd5&quot;,&quot;jet_parallax_layout_image_tablet&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_image_mobile&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_speed&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:50,&quot;sizes&quot;:[]},&quot;jet_parallax_layout_type&quot;:&quot;scroll&quot;,&quot;jet_parallax_layout_direction&quot;:&quot;1&quot;,&quot;jet_parallax_layout_fx_direction&quot;:null,&quot;jet_parallax_layout_z_index&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x&quot;:50,&quot;jet_parallax_layout_bg_x_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y&quot;:50,&quot;jet_parallax_layout_bg_y_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size&quot;:&quot;auto&quot;,&quot;jet_parallax_layout_bg_size_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_animation_prop&quot;:&quot;transform&quot;,&quot;jet_parallax_layout_on&quot;:[&quot;desktop&quot;,&quot;tablet&quot;]}],&quot;background_background&quot;:&quot;gradient&quot;,&quot;stretch_section&quot;:&quot;section-stretched&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-510f822\" data-id=\"510f822\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-7537cb5 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7537cb5\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[{&quot;jet_parallax_layout_image&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;_id&quot;:&quot;be27c89&quot;,&quot;jet_parallax_layout_image_tablet&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_image_mobile&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_speed&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:50,&quot;sizes&quot;:[]},&quot;jet_parallax_layout_type&quot;:&quot;scroll&quot;,&quot;jet_parallax_layout_direction&quot;:&quot;1&quot;,&quot;jet_parallax_layout_fx_direction&quot;:null,&quot;jet_parallax_layout_z_index&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x&quot;:50,&quot;jet_parallax_layout_bg_x_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y&quot;:50,&quot;jet_parallax_layout_bg_y_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size&quot;:&quot;auto&quot;,&quot;jet_parallax_layout_bg_size_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_animation_prop&quot;:&quot;transform&quot;,&quot;jet_parallax_layout_on&quot;:[&quot;desktop&quot;,&quot;tablet&quot;]}]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-6fc7e8b\" data-id=\"6fc7e8b\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8c61332 elementor-widget elementor-widget-heading\" data-id=\"8c61332\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Financial Promotions Guide<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e89d141 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"e89d141\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9ca84bf elementor-widget elementor-widget-spacer\" data-id=\"9ca84bf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-31fb3a8 elementor-widget elementor-widget-heading\" data-id=\"31fb3a8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">2.5 \/\/ Restrictions<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-b69a6db elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b69a6db\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-c217fda\" data-id=\"c217fda\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4d51881 elementor-mobile-align-center elementor-align-left elementor-widget elementor-widget-raven-breadcrumbs\" data-id=\"4d51881\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"raven-breadcrumbs.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"raven-breadcrumbs raven-breadcrumbs-default\"><div class=\"breadcrumb\">\t\t\t\t<div class=\"breadcrumb-item active\" aria-current=\"page\"><span>Home<\/span><\/div>\n\n\t\t\t\t<\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b67b4d5 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"b67b4d5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6fc3a7d elementor-widget elementor-widget-text-editor\" data-id=\"6fc3a7d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tAs per CONC 3.5.12R, the following words and expressions are restricted, and should only be used in line with the\nguidance below.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f62b5fe elementor-widget elementor-widget-spacer\" data-id=\"f62b5fe\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a174c43 elementor-widget elementor-widget-jet-table\" data-id=\"a174c43\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"jet-table.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-jet-table jet-elements\">\n\t\t<div class=\"jet-table-wrapper\">\n\t\t\t<table class=\"jet-table jet-table--fa5-compat\">\n\t\t\t\t<thead class=\"jet-table__head\"><tr class=\"jet-table__head-row\"><th class=\"jet-table__cell elementor-repeater-item-5aa123f jet-table__head-cell\" scope=\"col\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">Word or expression<\/div><\/div><\/div><\/th><th class=\"jet-table__cell elementor-repeater-item-19c7f5c jet-table__head-cell\" scope=\"col\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">Restriction<\/div><\/div><\/div><\/th><\/tr><\/thead>\n\t\t\t\t\t\t\t\t<tbody class=\"jet-table__body\"><tr class=\"jet-table__body-row elementor-repeater-item-f734fbf\"><td class=\"jet-table__cell elementor-repeater-item-f6f4514 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">&#8220;Interest free&#8221;<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-069963f jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">Can only be used where there are no interest charges or fees of\nany kind.<\/div><\/div><\/div><\/td><\/tr><tr class=\"jet-table__body-row elementor-repeater-item-149489e\"><td class=\"jet-table__cell elementor-repeater-item-84df894 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">\u201cNo deposit\u201d <\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-e2bce62 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">Can only be used if there is no advance payment of any kind.<\/div><\/div><\/div><\/td><\/tr><tr class=\"jet-table__body-row elementor-repeater-item-d4efba9\"><td class=\"jet-table__cell elementor-repeater-item-b909889 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">\u201cGift\u201d, \u201cpresent\u201d or any similar expression<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-3feba32 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">Can only be used where there are no conditions which would require\nthe customer to repay the credit, or return the financed item.<\/div><\/div><\/div><\/td><\/tr><tr class=\"jet-table__body-row elementor-repeater-item-2313454\"><td class=\"jet-table__cell elementor-repeater-item-a8275f6 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">\u201cWeekly equivalent\u201d or any similar\nexpression or other periodical equivalent <\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-85364a1 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">Can only be used if weekly payments or other periodical payments are\nprovided for under the agreement.<\/div><\/div><\/div><\/td><\/tr><\/tbody>\n\t\t\t<\/table>\n\t\t<\/div>\n\n\t\t<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-a61c18d\" data-id=\"a61c18d\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-1c04562\" data-id=\"1c04562\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-cb4432e elementor-hidden-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"cb4432e\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-9cd6c09\" data-id=\"9cd6c09\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-83ff49a elementor-widget elementor-widget-text-editor\" data-id=\"83ff49a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tFinancial Promotions Guide\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-474e12b elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"474e12b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-687dab5 raven-nav-menu-align-left elementor-widget elementor-widget-raven-nav-menu\" data-id=\"687dab5\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;submenu_icon&quot;:&quot;&lt;svg 0=\\&quot;fas fa-chevron-down\\&quot; class=\\&quot;e-font-icon-svg e-fas-chevron-down\\&quot;&gt;\\n\\t\\t\\t\\t\\t&lt;use xlink:href=\\&quot;#fas-chevron-down\\&quot;&gt;\\n\\t\\t\\t\\t\\t\\t&lt;symbol id=\\&quot;fas-chevron-down\\&quot; viewBox=\\&quot;0 0 448 512\\&quot;&gt;\\n\\t\\t\\t\\t\\t\\t\\t&lt;path d=\\&quot;M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\\&quot;&gt;&lt;\\\/path&gt;\\n\\t\\t\\t\\t\\t\\t&lt;\\\/symbol&gt;\\n\\t\\t\\t\\t\\t&lt;\\\/use&gt;\\n\\t\\t\\t\\t&lt;\\\/svg&gt;&quot;,&quot;submenu_space_between&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"raven-nav-menu.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<nav class=\"raven-nav-menu-main raven-nav-menu-vertical raven-nav-menu-tablet- raven-nav-menu-mobile- raven-nav-icons-hidden-desktop raven-nav-icons-hidden-tablet raven-nav-icons-hidden-mobile\">\n\t\t\t<ul id=\"menu-687dab5\" class=\"raven-nav-menu\"><li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-20474\"><a href=\"https:\/\/www.evolutionfunding.com\/public\/financial-promotions-guide\/\" class=\"raven-menu-item raven-link-item \">Home<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-20467\"><a href=\"https:\/\/www.evolutionfunding.com\/public\/financial-promotions-guide\/1-0-about-evolution-funding\/\" class=\"raven-menu-item raven-link-item \">1.0 About Evolution Funding<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-20469\"><a href=\"https:\/\/www.evolutionfunding.com\/public\/financial-promotions-guide\/2-0-what-is-a-financial-promotion\/\" class=\"raven-menu-item raven-link-item \">2.0 What is a financial promotion?<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-20466\"><a href=\"https:\/\/www.evolutionfunding.com\/public\/financial-promotions-guide\/2-1-consumer-duty-consumer-understanding\/\" class=\"raven-menu-item raven-link-item \">2.1 Consumer Duty: Consumer Understanding<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-20465\"><a href=\"https:\/\/www.evolutionfunding.com\/public\/financial-promotions-guide\/2-2-representative-apr\/\" class=\"raven-menu-item raven-link-item \">2.2 Representative APR<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-20464\"><a href=\"https:\/\/www.evolutionfunding.com\/public\/financial-promotions-guide\/2-3-representative-example\/\" class=\"raven-menu-item raven-link-item \">2.3 Representative Example<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-20468\"><a href=\"https:\/\/www.evolutionfunding.com\/public\/financial-promotions-guide\/2-4-prominence\/\" class=\"raven-menu-item raven-link-item \">2.4 Prominence<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-20462\"><a href=\"https:\/\/www.evolutionfunding.com\/public\/financial-promotions-guide\/2-5-regulatory-disclosures\/\" class=\"raven-menu-item raven-link-item \">2.5 Regulatory disclosures<\/a><\/li>\n<\/ul>\t\t<\/nav>\n\n\t\t<div class=\"raven-nav-menu-toggle\">\n\n\t\t\t\t\t\t<div class=\"raven-nav-menu-toggle-button \">\n\t\t\t\t\n\t\t\t\t<div class=\"hamburger hamburger--\">\n\t\t\t\t\t<div class=\"hamburger-box\">\n\t\t\t\t\t\t<div class=\"hamburger-inner\"><\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\n\t\t<\/div>\n\t\t<nav class=\"raven-nav-icons-hidden-desktop raven-nav-icons-hidden-tablet raven-nav-icons-hidden-mobile raven-nav-menu-mobile raven-nav-menu-\">\n\t\t\t\t\t\t\t\t\t\t<div class=\"raven-nav-menu-close-button\">\n\t\t\t\t\t<span class=\"raven-nav-menu-close-icon\">&times;<\/span>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"raven-container\">\n\t\t\t\t<ul id=\"menu-mobile-687dab5\" class=\"raven-nav-menu\"><li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-20474\"><a href=\"https:\/\/www.evolutionfunding.com\/public\/financial-promotions-guide\/\" class=\"raven-menu-item raven-link-item \">Home<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-20467\"><a href=\"https:\/\/www.evolutionfunding.com\/public\/financial-promotions-guide\/1-0-about-evolution-funding\/\" class=\"raven-menu-item raven-link-item \">1.0 About Evolution Funding<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-20469\"><a href=\"https:\/\/www.evolutionfunding.com\/public\/financial-promotions-guide\/2-0-what-is-a-financial-promotion\/\" class=\"raven-menu-item raven-link-item \">2.0 What is a financial promotion?<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-20466\"><a href=\"https:\/\/www.evolutionfunding.com\/public\/financial-promotions-guide\/2-1-consumer-duty-consumer-understanding\/\" class=\"raven-menu-item raven-link-item \">2.1 Consumer Duty: Consumer Understanding<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-20465\"><a href=\"https:\/\/www.evolutionfunding.com\/public\/financial-promotions-guide\/2-2-representative-apr\/\" class=\"raven-menu-item raven-link-item \">2.2 Representative APR<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-20464\"><a href=\"https:\/\/www.evolutionfunding.com\/public\/financial-promotions-guide\/2-3-representative-example\/\" class=\"raven-menu-item raven-link-item \">2.3 Representative Example<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-20468\"><a href=\"https:\/\/www.evolutionfunding.com\/public\/financial-promotions-guide\/2-4-prominence\/\" class=\"raven-menu-item raven-link-item \">2.4 Prominence<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-20462\"><a href=\"https:\/\/www.evolutionfunding.com\/public\/financial-promotions-guide\/2-5-regulatory-disclosures\/\" class=\"raven-menu-item raven-link-item \">2.5 Regulatory disclosures<\/a><\/li>\n<\/ul>\t\t\t<\/div>\n\t\t<\/nav>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-5e4345c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5e4345c\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-wider\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-654fa84\" data-id=\"654fa84\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-2478e69 elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2478e69\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-4cb8a82\" data-id=\"4cb8a82\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-55ea0f7 elementor-widget elementor-widget-heading\" data-id=\"55ea0f7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">FCA - Misleading terms<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-627e33b elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"627e33b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-8208ec4 elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"8208ec4\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-8702476\" data-id=\"8702476\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-47a8a28 elementor-widget elementor-widget-text-editor\" data-id=\"47a8a28\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>In a \u2018Dear CEO\u2019 letter issued to consumer credit firms in May 2022, the FCA highlighted the use of phrases such as \u201cno credit check loans\u201d, \u201cloan guaranteed\u201d, \u201cpre-approved\u201d or \u201cno credit checks\u201d in promotions by credit brokers. The FCA stated that while a credit broker may not conduct a creditworthiness assessment itself, they are concerned that this could mislead consumers into believing that the lender will not carry out any checks on their credit status.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4b1e871 elementor-align-left elementor-mobile-align-left elementor-widget elementor-widget-button\" data-id=\"4b1e871\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.fca.org.uk\/news\/press-releases\/fca-warns-businesses-stop-misleading-credit-adverts-protect-consumers\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-arrow-right\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">FCA - Misleading terms<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-b7d42ad elementor-widget elementor-widget-spacer\" data-id=\"b7d42ad\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c291e82 elementor-widget elementor-widget-heading\" data-id=\"c291e82\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">0% finance<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-33d59cb elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"33d59cb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-26f9cdc elementor-widget elementor-widget-text-editor\" data-id=\"26f9cdc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>There are different rules where a financial promotion is completely free from interest or charges for the term of the agreement. <strong>You can promote 0% finance without triggering the need for either a representative APR or representative example.<\/strong><\/p><p>Promotions of interest-free products are not exempt from any other regulations however, and must remain clear, fair and not misleading for consumers.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-612cb57\" data-id=\"612cb57\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8973c51 elementor-widget elementor-widget-image\" data-id=\"8973c51\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"522\" height=\"1024\" src=\"https:\/\/www.evolutionfunding.com\/public\/wp-content\/uploads\/2024\/08\/banner-min2-522x1024.png\" class=\"attachment-large size-large wp-image-20112\" alt=\"\" srcset=\"https:\/\/www.evolutionfunding.com\/public\/wp-content\/uploads\/2024\/08\/banner-min2-522x1024.png 522w, https:\/\/www.evolutionfunding.com\/public\/wp-content\/uploads\/2024\/08\/banner-min2-153x300.png 153w, https:\/\/www.evolutionfunding.com\/public\/wp-content\/uploads\/2024\/08\/banner-min2-768x1507.png 768w, https:\/\/www.evolutionfunding.com\/public\/wp-content\/uploads\/2024\/08\/banner-min2-783x1536.png 783w, https:\/\/www.evolutionfunding.com\/public\/wp-content\/uploads\/2024\/08\/banner-min2.png 800w\" sizes=\"(max-width: 522px) 100vw, 522px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-055aff5 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"055aff5\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-18cfc51\" data-id=\"18cfc51\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ffa7a1c elementor-hidden-mobile elementor-widget elementor-widget-spacer\" data-id=\"ffa7a1c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-594a8c1 elementor-section-boxed elementor-section-height-default elementor-section-height-default elementor-invisible\" data-id=\"594a8c1\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;background_background&quot;:&quot;gradient&quot;,&quot;animation&quot;:&quot;fadeInUp&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-cfdccab\" data-id=\"cfdccab\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8c467a3 elementor-widget elementor-widget-heading\" data-id=\"8c467a3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Next \/\/ 2.6: Eligibility criteria and status disclosure<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-4933b41\" data-id=\"4933b41\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-61875c8 elementor-align-right elementor-mobile-align-center elementor-widget elementor-widget-button\" data-id=\"61875c8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.evolutionfunding.com\/public\/financial-promotions-guide\/2-6-eligibility-criteria-and-status-disclosure\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-arrow-right\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Continue<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-84e1abb elementor-hidden-desktop elementor-hidden-tablet elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"84e1abb\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-064c491\" data-id=\"064c491\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-18f2593 elementor-widget elementor-widget-text-editor\" data-id=\"18f2593\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tFinancial Promotions Guide\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-908e4b1 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"908e4b1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2a093d4 raven-nav-menu-align-left elementor-widget elementor-widget-raven-nav-menu\" data-id=\"2a093d4\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;submenu_icon&quot;:&quot;&lt;svg 0=\\&quot;fas fa-chevron-down\\&quot; class=\\&quot;e-font-icon-svg e-fas-chevron-down\\&quot;&gt;\\n\\t\\t\\t\\t\\t&lt;use xlink:href=\\&quot;#fas-chevron-down\\&quot;&gt;\\n\\t\\t\\t\\t\\t\\t&lt;symbol id=\\&quot;fas-chevron-down\\&quot; viewBox=\\&quot;0 0 448 512\\&quot;&gt;\\n\\t\\t\\t\\t\\t\\t\\t&lt;path d=\\&quot;M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\\&quot;&gt;&lt;\\\/path&gt;\\n\\t\\t\\t\\t\\t\\t&lt;\\\/symbol&gt;\\n\\t\\t\\t\\t\\t&lt;\\\/use&gt;\\n\\t\\t\\t\\t&lt;\\\/svg&gt;&quot;,&quot;submenu_space_between&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"raven-nav-menu.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<nav class=\"raven-nav-menu-main raven-nav-menu-vertical raven-nav-menu-tablet- raven-nav-menu-mobile- raven-nav-icons-hidden-desktop raven-nav-icons-hidden-tablet raven-nav-icons-hidden-mobile\">\n\t\t\t<ul id=\"menu-2a093d4\" class=\"raven-nav-menu\"><li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-20474\"><a href=\"https:\/\/www.evolutionfunding.com\/public\/financial-promotions-guide\/\" class=\"raven-menu-item raven-link-item \">Home<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-20467\"><a href=\"https:\/\/www.evolutionfunding.com\/public\/financial-promotions-guide\/1-0-about-evolution-funding\/\" class=\"raven-menu-item raven-link-item \">1.0 About Evolution Funding<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-20469\"><a href=\"https:\/\/www.evolutionfunding.com\/public\/financial-promotions-guide\/2-0-what-is-a-financial-promotion\/\" class=\"raven-menu-item raven-link-item \">2.0 What is a financial promotion?<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-20466\"><a href=\"https:\/\/www.evolutionfunding.com\/public\/financial-promotions-guide\/2-1-consumer-duty-consumer-understanding\/\" class=\"raven-menu-item raven-link-item \">2.1 Consumer Duty: Consumer Understanding<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-20465\"><a href=\"https:\/\/www.evolutionfunding.com\/public\/financial-promotions-guide\/2-2-representative-apr\/\" class=\"raven-menu-item raven-link-item \">2.2 Representative APR<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-20464\"><a href=\"https:\/\/www.evolutionfunding.com\/public\/financial-promotions-guide\/2-3-representative-example\/\" class=\"raven-menu-item raven-link-item \">2.3 Representative Example<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-20468\"><a href=\"https:\/\/www.evolutionfunding.com\/public\/financial-promotions-guide\/2-4-prominence\/\" class=\"raven-menu-item raven-link-item \">2.4 Prominence<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-20462\"><a href=\"https:\/\/www.evolutionfunding.com\/public\/financial-promotions-guide\/2-5-regulatory-disclosures\/\" class=\"raven-menu-item raven-link-item \">2.5 Regulatory disclosures<\/a><\/li>\n<\/ul>\t\t<\/nav>\n\n\t\t<div class=\"raven-nav-menu-toggle\">\n\n\t\t\t\t\t\t<div class=\"raven-nav-menu-toggle-button \">\n\t\t\t\t\n\t\t\t\t<div class=\"hamburger hamburger--\">\n\t\t\t\t\t<div class=\"hamburger-box\">\n\t\t\t\t\t\t<div class=\"hamburger-inner\"><\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\n\t\t<\/div>\n\t\t<nav class=\"raven-nav-icons-hidden-desktop raven-nav-icons-hidden-tablet raven-nav-icons-hidden-mobile raven-nav-menu-mobile raven-nav-menu-\">\n\t\t\t\t\t\t\t\t\t\t<div class=\"raven-nav-menu-close-button\">\n\t\t\t\t\t<span class=\"raven-nav-menu-close-icon\">&times;<\/span>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"raven-container\">\n\t\t\t\t<ul id=\"menu-mobile-2a093d4\" class=\"raven-nav-menu\"><li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-20474\"><a href=\"https:\/\/www.evolutionfunding.com\/public\/financial-promotions-guide\/\" class=\"raven-menu-item raven-link-item \">Home<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-20467\"><a href=\"https:\/\/www.evolutionfunding.com\/public\/financial-promotions-guide\/1-0-about-evolution-funding\/\" class=\"raven-menu-item raven-link-item \">1.0 About Evolution Funding<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-20469\"><a href=\"https:\/\/www.evolutionfunding.com\/public\/financial-promotions-guide\/2-0-what-is-a-financial-promotion\/\" class=\"raven-menu-item raven-link-item \">2.0 What is a financial promotion?<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-20466\"><a href=\"https:\/\/www.evolutionfunding.com\/public\/financial-promotions-guide\/2-1-consumer-duty-consumer-understanding\/\" class=\"raven-menu-item raven-link-item \">2.1 Consumer Duty: Consumer Understanding<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-20465\"><a href=\"https:\/\/www.evolutionfunding.com\/public\/financial-promotions-guide\/2-2-representative-apr\/\" class=\"raven-menu-item raven-link-item \">2.2 Representative APR<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-20464\"><a href=\"https:\/\/www.evolutionfunding.com\/public\/financial-promotions-guide\/2-3-representative-example\/\" class=\"raven-menu-item raven-link-item \">2.3 Representative Example<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-20468\"><a href=\"https:\/\/www.evolutionfunding.com\/public\/financial-promotions-guide\/2-4-prominence\/\" class=\"raven-menu-item raven-link-item \">2.4 Prominence<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-20462\"><a href=\"https:\/\/www.evolutionfunding.com\/public\/financial-promotions-guide\/2-5-regulatory-disclosures\/\" class=\"raven-menu-item raven-link-item \">2.5 Regulatory disclosures<\/a><\/li>\n<\/ul>\t\t\t<\/div>\n\t\t<\/nav>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-87a7cf2 elementor-widget elementor-widget-spacer\" data-id=\"87a7cf2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Financial Promotions Guide 2.5\u00a0\/\/\u00a0Restrictions Financial Promotions Guide 2.5 \/\/ Restrictions Home As per CONC 3.5.12R, the following words and expressions are restricted, and should only be used in line with the guidance below. Word or expression Restriction &#8220;Interest free&#8221; Can only be used where there are no interest charges or fees of any kind. \u201cNo [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":9475,"parent":19892,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-20106","page","type-page","status-publish","has-post-thumbnail","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>2.5 Restrictions - Evolution Funding<\/title>\n<meta name=\"robots\" content=\"noindex, nofollow\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"2.5 Restrictions - Evolution Funding\" \/>\n<meta property=\"og:description\" content=\"Financial Promotions Guide 2.5\u00a0\/\/\u00a0Restrictions Financial Promotions Guide 2.5 \/\/ Restrictions Home As per CONC 3.5.12R, the following words and expressions are restricted, and should only be used in line with the guidance below. 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