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Speychain Limited, operating as Spey, is an Introducer Appointed Representative (IAR) of an FCA authorised firm. We are not a credit broker or lender. Our financial promotions are committed to being clear, fair, and not misleading. Please be aware that late repayments of credit can lead to serious money problems and adversely affect your credit rating. For more information and advice, visit . We adhere to GDPR and the Data Protection Act 2018, ensuring your data's security and privacy. For any complaints, contact us at , or escalate to the Financial Ombudsman Service at for unresolved issues.