Terms and Conditions
Template for review. This template must be reviewed and approved by qualified legal counsel before production use. Sections marked "To be confirmed" need decisions from your legal team.
About these terms
These terms apply when you create an account, apply for a loan and, if you accept an offer, while you repay your loan. Please read them carefully. The loan offer you accept also sets out the specific terms of your loan.
Who can apply
You must be within the age range shown for the loan product, be legally able to enter into a credit agreement and give us information that is true, accurate and complete. Further eligibility rules: To be confirmed.
Your account
Keep your password private and tell us straight away if you think someone else has used your account. You can turn on two-factor authentication for extra protection. We may suspend an account to protect you or us, for example if we suspect fraud.
Applying for a loan
- Submitting an application does not guarantee that we will offer you a loan.
- We review every application and may ask you for more information or documents.
- The documents you upload must be genuine and belong to you. Giving false information or documents may lead to your application being declined and may be reported to the authorities.
- You can cancel an application at any time before we send you an offer.
Loan offers
If your application is approved we will send you an offer showing the amount, interest rate, fees, repayment schedule, total amount to repay and the date the offer expires. The offer is only binding once you accept it. Offers that are not accepted before they expire are withdrawn.
Repayments
- You must pay each instalment in full by its due date.
- If a payment is late, the late fee shown in your offer may be added after the grace period shown in your offer.
- If you are having difficulty paying, contact us as early as possible so we can talk about your options.
- Early repayment rules and any charges: To be confirmed.
Fees
All fees that apply to your loan are shown in your offer before you accept it. We will not add fees that were not shown in your offer.
Privacy
Our Privacy Policy explains how we use your personal information.
Liability, complaints and governing law
Limits of liability: To be confirmed. Complaints procedure: To be confirmed. These terms are governed by the laws of: To be confirmed.
Changes to these terms
The version of these terms is recorded when you accept them and with each loan offer. Changes do not affect a loan you have already accepted unless the law requires otherwise.
Contact us
If you have a question about these terms, please use the contact details on our Contact page.