Terms & Conditions

Loan terms and conditions. Please note, the following terms and conditions are not a replacement of your loan agreement. Please read your loan agreement carefully before signing as you will be bound by the terms in the agreement. Please note that references to we means Fair for You Ltd and our subsidiaries and associates.

1. Fair for You is a responsible lender.  We give every loan application we receive careful consideration and make a decision based on the income and expenditure and overall ability to repay the loan.  We aim to ensure that any loan approved, does not result in them facing financial difficulties and a struggle with repayments.

2. We reserve the right to decline certain applications.  If we do reject an application, this will be following an assessment of the application by our personal lending team.  A loan refusal simply means that on this occasion we feel unable to offer the amount of loan that has been requested.  In some circumstances, we may offer a reduced amount.

3. Following the assessment and approval process, we may make a loan offer.  Any loan offer made by Fair for You will be subject to:

  • Address verification
  • Affordability and credit check
  • The completion and return of a Loan Agreement

3. When borrowing from Fair for You, you are signing a legally binding loan agreement.  Should you have any doubts as to the meaning of any part of the loan agreement, you should consider seeking independent advice from a solicitor, the Citizens Advice Bureau or other similar organisation.

4. Interest on Fair for You loans is not front loaded (added in full at the start of the loan).  Instead, interest is calculated on a daily basis on the decreasing loan balance.  We believe this is the fairest way to charge interest and should result in you paying back less interest over the course of the loan term.

5. Interest will be payable on a loan, or any part of it as is advanced, from the date of the advance. Interest rates are fixed at the time of borrowing and the interest rate to be charged will be stated clearly on your loan agreement.

6. For all Fair for You loans, the maximum interest rate we are permitted to charge is 3% per month on the outstanding loan balance. This equates to an Annual Percentage Rate (APR) of 42.6%.

7. In signing your loan agreement you are agreeing to repay the loan, plus interest in instalments.  As the lender, we are authorised to debit the account with the payments specified in the loan agreement until all monies due (including interest to the date of closure) have been repaid.

8. Loans may be repaid in full at any time with no early repayment penalties.  Additional payments to reduce the outstanding loan balance can also be made at any time without any penalties or charges.

9. As borrower you are advised that the loan agreement is a legally binding contract and that if you fail to comply with any of its terms, you may render yourself liable to further action, which may include court action to obtain repayment of all sums due under the loan agreement.  In cases of default, as borrower you should also be aware that Fair for You may seek to recover funds due via any Department for Work and Pensions benefit payments which you may receive.

10. As lender, Fair for You may terminate the loan agreement and demand immediate repayment of all sums due in respect of the loan agreement after giving any written notice required by law if:

  • The borrower shall fail in any material respect to keep any part of the loan agreement.
  • The borrower shall have deliberately given false information or given inaccurate information in connection with the loan agreement or any other credit agreement between the borrower and the lender.
  • The borrower shall be the subject of a court action which has the effect of taking away from the borrower’s control of the whole or a substantial part of the borrower’s assets.
  • The borrower shall become incapable in law of managing their own affairs.
  • The borrower shall either be declared bankrupt or grant a Trust Deed for their creditors.  In such case all the interest that would have been payable if the loan agreement had run its full term shall become payable forthwith.

11. Should the lender terminate the loan agreement or should the borrower default, the lender is entitled to the repayment of the whole sums due under the loan agreement and may retain monies held by the lender for the borrower in any other type of account and apply the said monies held on or towards payment of the balance outstanding in terms of the loan agreement.

  1. Fixed Price Sales

Under the Service, items are offered by sellers for sale at a fixed price (“Fixed Price Sales”). Unless otherwise agreed by us with the seller in advance in writing, the price of any items sold on the respective seller’s Site (including the applicable delivery charge) are inclusive of any customs, import, export, and excise duty, VAT and other taxes which may be  applicable and sellers may not charge or seek to charge the buyer, or allow the buyer to be charged, for any customs, import, export, and excise duty, VAT or other taxes which  are additional to the price displayed for the item on the Site.

 

  1. Contract fulfilment

Unless the buyer and seller expressly agree otherwise, All postage, customs, import, export and excise duty, VAT and any other taxes associated with the Fixed Price sale (if applicable) will be paid by the buyer and it is the seller’s responsibility to determine, collect and remit the applicable VAT, customs, import, export and excise duties and any other taxes associated with the Fixed Price Sale.

 

  1. Fair for You’s Role

Fair for You allows third party sellers to list their Site at fairforyou.co.uk. In each such case the identity of the seller is indicated on the respective Site. Buyers authorise Fair for You to act as their limited representative solely to conclude on their behalf sales contracts directly between them and the sellers for sales of goods via the Service. While Fair for You helps facilitate transactions that are carried out via the Site, Fair for You is neither the buyer nor the seller of the seller’s items. Fair for You provides a venue for sellers and buyers to negotiate and complete transactions. Accordingly, the contract formed at the completion of a sale for these third party products is solely between buyer and seller. Fair for You is not a party to this contract nor assumes any responsibility arising out of or in connection with it nor is it the seller’s agent. The seller is responsible for the sale of the products and for dealing with any buyer claims or any other issue arising out of or in connection with the contract between the buyer and seller. The enforcement of any contractual obligations arising out of the completion of a transaction using the Service is the responsibility of the buyer and seller that are party to that transaction. Fair for You is not obliged to mediate between buyers and sellers or enforce or execute fulfilment of any contract.

 

  1. VAT and other taxes on the sale of goods and/or services by Sellers

It is the seller’s responsibility to determine whether VAT, customs, import or export duties, excise taxes or other taxes apply to the sale of goods and services to the buyer and to collect, report and remit the correct tax, as applicable, to the appropriate tax authority.

 

  1. Payments

A buyer must pay via the Service for an item purchased via the Site, with any major credit or debit card accepted on the Site under the terms and conditions published on the Site at the time of order processing.  After the credit or debit card charge is approved, and the buyer’s order is confirmed to the seller, the seller is obliged to dispatch the item sold. The buyer will resolve any dispute directly with the seller. Sellers shall not invoice buyers, and buyers must not accept seller’s invoices, off the Site. All refunds for purchases made via the Site must be initiated by the Sellers.

 

  1. Prohibited acts

Buyers must not:

  1. Whether by themselves or in conjunction with other participants, manipulate transactions in ways that are unfair to other participants or users; and
  2. use the Service or the Site in the contravention of any applicable law nor permit or assist others to do so.

 

  1. Inspection of items

Buyers must inspect any item purchased from a seller immediately upon receipt to ensure that it accords with any description given by the seller in the item’s listing and to ensure that the product is safe.

 

  1. Terms of Sellers

When completing a purchase with sellers via the Site buyers are bound by these terms, and those of the respective sellers. Where there is conflict between these terms and those provided by a seller, it is agreed that these terms shall prevail.

  1. The “Good Payers Club” is managed and operated by Fair for You Enterprise CIC.
  1. Fair for You’s Good Payers Club is intended to provide customers of Fair for You who are consistently paying in line with their loan agreement further benefits.
  1. Existing customers of Fair for You will be invited to join the Good Payers Club. To be eligible for an invitation to the Good Payers Club existing customers of Fair for You must have made consistent repayments to a loan from Fair for You in line with their loan agreement for at least 6 months, or have fully paid off a loan from Fair for You in line with their loan agreement.
  1. Fair for You, in its sole discretion, reserves the right to decide which customers will be invited to the Good Payers Club and to refuse entry to the Good Payers Club.
  1. All members of the Good Payers Club will receive access to a larger selection of goods to purchase from the retailers with a loan from Fair for You including, but not limited to, electricals.
  1. Further benefits may be accrued by Members of the Good Payers Club with further evidence of good repayments including, but not limited to, a reduction in Interest Rate.
  1. Membership of the Good Payers Club will not affect future loan decisions negatively or positively. Fair for You is a responsible lender and will continue to assess each loan individually based on its lending criteria regardless of Good Payers Club Membership.
  1. Fair for You, in its sole discretion, reserves the right to change or remove any benefits of the Good Payers Club at any time.
  1. Membership of the Good Payers Club is not transferable and is only accessible to the Member invited.
  1. Fair for You, in its sole discretion, reserves the right to remove any Member from the Good Payers Club in the event that the Member misses a repayment of their loan and falls into arrears.
  1. Fair for You, in its sole discretion, reserves the right to make any necessary modifications to the Good Payers Club and these terms at any time.
  1. Fair for You, in its sole discretion, reserves the right to remove the Scheme at any time.
  1. Additional restrictions may apply; void where prohibited by law. These terms are governed by the laws of England and Wales.

SECTION A: introduction and preliminary terms

This section contains information about our Site and our organisation. It also explains how to access the Site and provides links to our policies.  Our policies include those which apply to your use of the Site, and what we do with any personal information we collect as you use the Site.

  1. Welcome
    1. Welcome to Fair for You’s website located at fairforyou.co.uk (’Site’), which is owned and operated by Fair for You Enterprise CIC (‘we’, ‘the Company’, ‘Fair for You’, ‘our’ or ’us’, as applicable). For further information about us and our contact details, please go to our Contact Us section www.fairforyou.co.uk/contact-us/.
    2. Fair for You aims to lend better into family households by providing access to affordable and flexible credit to those with limited access to credit, enabling the purchase of items for the home through the provision of effective and supportive finance solutions.
    3. These terms and conditions (‘Terms’) are organised into two sections. Section A contains introductory and preliminary terms whereas Section B contains general provisions.  Sections A and B apply to all Site users.
    4. You will see that each section of these Terms begins with a ‘highlight’ text box which summarises the key terms in that section. These highlights are an informal summary and do not form part of these Terms or any of the contracts made between us.
    5. We have a number of policies referred to in these Terms, including Cookie Policy, Privacy Policy, and Loan Terms and Conditions. They all form part of our agreement with you so please take the time to read them.
    6. Please read these Terms and the related policies carefully before you start to use the Site, as these will apply to your use of the Site. We recommend that you print or save a copy of these Terms for future reference.
    7. By using our Site, you confirm that you accept these Terms and that you agree to comply with them.
    8. If you have any queries or concerns regarding these Terms, please contact us at contactus@fairforyou.co.uk or by clicking here fairforyou.co.uk/contact-us/.
  2. Accessing and using the Site
    1. Anyone can access this Site using their web browser and internet connection.
    2. We try to make the Site available at all times, but, of course, due to the inherent nature of online and internet based services, we cannot guarantee this.
  3. Your privacy and our use of cookies
    1. We take your privacy very seriously. Please read our Privacy Policy to see how we use your personal information fairforyou.co.uk/how-it-works/terms-conditions/.
    2. Like many online services we use a feature called a ‘cookie’, which is a small data file that is sent to your browser from a web server and stored on your device’s hard drive. References in these Terms to ‘cookies’ also include other means of automatically accessing or storing information on your device.  By agreeing to these Terms, you are providing your consent for us to use cookies in the ways described in our Cookie Policy, however, you may delete any of these cookies at any time if you wish.  Please see our Cookie Policy for detailed information on the types of cookies we use on the Site, the purposes for which we use each cookie, how you can disable and enable the use of certain cookies and the consequences of doing so fairforyou.co.uk/how-it-works/terms-conditions/.

SECTION B: General provisions

This section sets out the terms that apply to everyone who uses the Site.
  1. Promises, liability and disclaimer
      1. The Site is provided on an “as is” and “information only” basis. To the fullest extent permissible under applicable law, we disclaim any and all promises, warranties, conditions, or representations relating to the Site and its content, whether express, implied, oral or written.  In particular:
        1. we do not make any promises as to the truth, accuracy, integrity, quality or completeness of the content or information that appears on the Site and you should not rely on it being accurate, truthful or complete.
      2. You agree that your access and use of the Site and its content is at your own risk. We do not have any knowledge of, or control over, the particular purposes for which the information and content available on the Site is used.  The content and information that we make available on the Site is provided for information only.  Accordingly, we exclude any and all liability for any loss of any nature suffered by you as a direct or indirect result of your use of any of the information or content available on the Site or of making any decision, or refraining from making any such decision, based wholly or partly on any expression of opinion, statement or other information contained in the content available on the Site.
      3. By using the Site you acknowledge and accept the inherent risks, characteristics and limitations of the Internet, particularly in terms of technical performance of the Site, response times to view, verify or transfer information; and the risks inherent in all third party links, connections and transfers via the Internet. Accordingly:
        1. we do not make any promises about the availability or accessibility of the Site or promise that your access to the Site, the content on it or the services we provide will be delivered uninterrupted, in a timely manner or error-free; and
      4. We make no promises in respect of any harm that may be caused by the transmission of a computer virus, worm, time bomb, Trojan horse, cancelbot, logic bomb or any other form of programming routine designed to damage, destroy or otherwise impair a computer’s functionality or operation including transmission arising from your download of any content, software you use to download the content, the Site or the servers that make it available. In this respect you agree that it is your responsibility to install suitable anti-virus and security software on your computer hardware and other devices to protect against any such bugs, viruses or other such harmful programming routines.  Any content downloaded or otherwise obtained through the use of the Site is done at your own risk and you will be solely responsible for any damage to your computer system or loss of data that results from the download of any such content.
      5. We will not be responsible or liable to any visitors browsing the pages of the Site for:
        1. any form of indirect, consequential or special loss; or
        2. any financial loss or loss of data, opportunity, goodwill or reputation, in each case whether such loss is direct or indirect.
      6. There are certain liabilities which we cannot exclude by law and nothing in these Terms excludes or limits our liability for the following:
        1. for death or personal injury caused by our negligence;
        2. fraud or fraudulent misrepresentation; or
        3. any other matter for which it would be illegal or unlawful for us to exclude or attempt to exclude its liability.
      7. If we are found to be liable, our total liability in respect of all claims made against us in connection with these Terms (other than those mentioned in paragraph 6) is as follows:
        1. in relation to any claims not mentioned above in this paragraph 7, our liability shall be limited to the total amount of the loan taken out by the customer.
  1. Compensation
    1. You agree only to use the Site in accordance with these Terms. You agree that you will compensate us (and our employees, officers, agents and suppliers) in full for any damages, losses, costs and expenses, including reasonable legal fees we incur that arise out of any breach by you of these Terms (including any actions you take which disrupt access to and/or the functioning of the Site) or any liability we incur as a result of the use of the Site by you and any other person that uses your account.
  1. Our content
    1. All of the content on the Site is owned by (and all copyright, trade mark and other intellectual property rights in that content, shall at all times remain vested in) us or our licensors and is protected by UK and international copyright and other intellectual property laws.
    2. Our content includes any information or other material found on or via the Site, including without limitation text, databases, graphics, videos, software and all other features found on or via the Site.
    3. We make the Site and our content available through the Site for your personal, non-commercial use only. You may view the Site’s pages and content online and may, where necessary, print individual pages of the Site on paper (but not photocopy them) and store such pages in electronic form on your computer for your non-commercial use, provided you keep intact all and any copyright and proprietary notices.  You may not otherwise reproduce, modify, copy or distribute or use any of the content on the Site, other than as expressly permitted under these Terms without our prior written consent.
    4. To be clear, you are not in any circumstances permitted to:
      1. make commercial use of any such content;
      2. edit any such content; or
      3. remove, obscure or otherwise tamper with any copyright and proprietary notices that relate to, or are contained within, the content.
    5. Where the Site includes content provided by users or by others, please refer to the Content Policy for further details of permitted uses.
    6. The trade marks appearing on the Site are owned by us or our licensors including (but not limited to) Whirlpool, Hotpoint and Indesit. No permission is given in respect of the use of any of these marks or brands, and any such use may constitute an infringement of the holder’s rights.
  2. General prohibitions on access and use of the Site
    1. You may use the Site only for lawful purposes. You may not use the Site:
      1. in any way that breaches any applicable local, national or international law or regulation;
      2. in any way that is unlawful or fraudulent, or has any unlawful or fraudulent purpose or effect;
      3. for the purpose of harming or attempting to harm minors in any way; or
      4. to knowingly transmit, send or upload any data or other material that contains viruses, Trojan horses, worms, time-bombs, keystroke loggers, spyware, adware or any other harmful programs or similar computer code designed to adversely affect the operation of any computer software or hardware.
    2. You also agree:
      1. not to reproduce, duplicate, copy or re-sell any part of the Site in contravention of the provisions of our Terms;
      2. not to access without authority, interfere with, damage or disrupt:
        1. any part of the Site;
        2. any equipment or network on which the Site is stored;
        3. any software used in the provision of the Site; or
        4. any equipment or network or software owned or used by any third party.
      3. You shall not carry out data mining, screen scraping or crawling of this Site, its pages or its content or use any process or processes that send automated queries to this Site unless you have obtained our prior written consent.
  1. Third-Party software
    1. You acknowledge that you may need to download and activate certain software in order to use certain content provided on the Site. This software will be clearly identified on the Site.
    2. In order to use such third-party software or technology, you may have to accept the terms of a licence agreement with that third party. You acknowledge that we have no responsibility or control over such third-party software.
  1. Links
    1. You acknowledge that the Site may include links to third-party websites. We do not review these third-party websites nor have any control over them, and we are not responsible for the websites or their content or availability.
    2. We do not therefore endorse, or make any representations about, them or any content found there or any results that may be obtained from using them.
    3. If you decide to access any of these third-party websites, you do so entirely at your own risk.
    4. If you use a linked site, any personal information you give them will be dealt with in line with their privacy policy, not ours, so please ensure that you read their terms and conditions and privacy policy before you use their websites and provide any personal information.
    5. You may only link to the Site provided that:
      1. the homepage is not loaded into frames on your website, unless we expressly agree;
      2. your site or services do not misrepresent its relationship with us or present false information about us or otherwise harm our business or conflict with our interests or values; and
      3. we reserve the right to withdraw linking permission any time without prior notice.
  1. Copyright complaints
    1. We respect the intellectual property rights of others, and we prohibit users of the Site from submitting, uploading, posting or otherwise transmitting any materials that infringe or violate another person’s intellectual property rights.
    2. It is our policy to comply with clear notices of alleged copyright infringement. If you wish to submit a notice of alleged copyright infringement or a counter-notice, please contact us using the details provided in paragraph 12.
    3. Additionally, it is our policy to terminate usage rights and any applicable user accounts of users we determine to be repeat infringers of others’ copyright. Please see paragraph 4.5 for further details.
    4. Content hosted on third-party websites accessible from this Site is the responsibility of those websites, and not our responsibility. If you are the copyright owner of content hosted on a third-party website, and you have not authorised the use of your content, please contact the administrator of the hosting website directly to have the content removed.
  2. General complaints, feedback and requests for further information
    1. If you have any general complaints or wish to request further information about the Site, please contact us via contactus@fairforyou.co.uk or at fairforyou.co.uk/contact-us/ or by post to Delta View, 2309 Coventry Road, Birmingham, B26 3PG and we will do our best to resolve these.
    2. Your feedback and suggestions about the Site are always gratefully received by us however you understand that we may use these without any obligation to compensate you for them and you are, of course, under no obligation to us to provide them.
  3. Written communications
    1. Applicable laws require that some of the information or communications we send to you should be in writing. When using the Site, you accept that communication with us will be mainly electronic.  We will contact you by email or provide you with information by posting notices on the Site.  For contractual purposes, you agree to this electronic means of communication and you acknowledge that all contracts, notices, information and other communications that we provide to you electronically comply with any legal requirement that such communications be in writing.  This condition does not affect your statutory rights.
  4. General
    1. If any part of these Terms is found to be unenforceable as a matter of law, all other parts of these Terms will not be affected and shall remain in force.  For the avoidance of doubt, should these Terms or any part of them be deemed void or voidable, this shall not affect the validity of any licence provided under these Terms.
    2. Reliance on these Terms. We intend to rely on these written Terms and any document expressly referred to in them in relation to the subject matter of any contract between us.  We and you will be legally bound by these Terms.
    3. Events or circumstances beyond our reasonable control. If we are prevented or delayed from complying with our obligations under these Terms by anything you (or anyone acting on your behalf) does or fails to do or due to events or circumstances beyond our reasonable control. In such circumstances including fire, flood and other acts of God, strikes, trade disputes, lock outs, restrictions of imports or exports, riot, accident, disruption to energy supplies, civil commotion, acts of terrorism or war, our inability or delay in performing our obligations will not be deemed to be in breach of contract.
    4. References to ‘including’ and other similar expressions. In these Terms, words that appear after the expression ‘include’, ‘including’, ‘other’, ‘for example’, ‘such as’ or ‘in particular’ (or any similar expression) will not limit the meaning of the words appearing before such expression.
    5. You may not assign, sub-license or otherwise transfer any of your rights under these Terms.
    6. If you breach these Terms and we choose to ignore your breach, we will still be entitled to use our rights and remedies at a later date or in any other situation where you breach the Terms again.
    7. Exclusion of third party rights. These Terms do not create any right enforceable by any person who is not a party to them (or any contract made under them), except that the provisions of these Terms may be enforced by any of our licensors subject to and in accordance with the Contracts (Rights of Third Parties) Act 1999.
    8. These Terms may be presented to you in more than one language. However, the English language version of these Terms shall prevail.  The contract between us will be concluded in English.
    9. Governing law and jurisdiction. Any disputes or claims between us arising out of or in connection with these Terms or any contract made under them (including non-contractual disputes or claims) are governed by and construed in accordance with the law of England and Wales.  Any disputes or claims arising shall be subject to the exclusive jurisdiction of the courts of England and Wales.  Nothing in this paragraph shall deprive consumers of the right to bring or defend proceedings in their home state nor of the protection afforded to them by the mandatory rules of law of the country in which they live.
  5. Changes to these Terms
    1. We may make changes to these Terms at any time by sending you an email with the modified Terms or by posting a copy of them on the Site. Any changes will take effect 7 days after the date of our email or the date on which we post the modified terms on the Site, whichever is the earlier. If you continue to use the Site after that period has expired, it means that you accept any such changes.
  6. Contact us
    1. This Site is owned by Fair for You Enterprise CIC, a company incorporated in England and Wales. The registered office address of Fair for You Enterprise CIC is: Delta View, 2309-2311 Coventry Road, Sheldon, Birmingham, England, B26 3PG.

Our registered company number is 09798014 and our VAT registration number is 225 0141 61.

Tel number:       0333 433 0739

Cookie Policy

Our use of cookies

Welcome to www.fairforyou.co.uk (the ‘Site’), which is owned and operated by Fair for You Enterprise CIC.  Here you will find information on what cookies may be set when you visit the Site and how to reject or delete those cookies.  For further detailed information about this Site, please click here to see our Terms and our Privacy Policy www.fairforyou.co.uk/how-it-works/terms-conditions/.

By continuing to use the Site, you are agreeing to our use of cookies in the manner described in this policy.

  1. What are cookies?
    1. A cookie is a small data file that is placed on your computer or other device to allow a website to recognise you as a user when you return to the website using the same computer and web browser, either for the duration of your visit (using a ‘session cookie’) or for repeat visits (a ‘persistent cookie’). Other similar files work in the same way and we use the word ‘cookie’ in this policy to refer to all files that collect information in this way.
    2. Cookies are an extremely common technology for remembering certain information about a Visitor to a website. The vast majority of websites currently make use of cookies and they are commonly used for a wide range of tasks.  We use cookies for the following purposes:
      1. as necessary for website operation, for example to enable you to login to your account or place an order;
      2. to analyse the use of the Site by, for example, recognising and counting the number of visitors and how they move around the Site. This helps us to see what parts of the site are popular and which sections need improving to make the experience better for users;
      3. to recognise you when you return to the Site so that content can be personalised for you, for example, by remembering your country and site preferences; and
      4. to record your visit to the Site and the pages you have visited and links you have followed. We will use this to make the Site more relevant to your interests.

    This document gives you information on the specific cookies used on this Site.

  2. How to control and delete cookies
    1. When you accessed the Site, you were presented with a message that notified you of our use of cookies. We had to use a cookie to present you with that notice (you can see details of this cookie under ‘Cookie Banner’ in the table below).  If you continue to use the Site, more cookies and other tracking technologies will be placed on your computer as described in this Cookie Policy in order to enhance your user experience whilst on the Site.  By continuing to use the Site and/or by accepting our Terms and our Privacy Policy, you are agreeing to the use of such cookies and tracking technology fairforyou.co.uk/how-it-works/terms-conditions/.
    2. We will not use cookies to collect personally identifiable information about you. However, if you wish to restrict or block the cookies which are set by this Site (or, indeed, on any other site) you can do this through your browser settings.  The ‘Help’ function within your browser should tell you how.  In respect of cookies that are set via this Site, you can also disable these by following the instructions provided in the section titled ‘Opting Out’ in each of the tables below.
    3. Alternatively, you may wish to visit http://www.allaboutcookies.org/ which contains comprehensive information on how to do this on a wide variety of browsers. You will also find details on how to delete cookies from your computer, as well as more general information about cookies.  Please note that, as these websites are not owned or operated by Fair for You Enterprise CIC, we are not responsible for any of the content on them.
    4. Please be aware that restricting cookies may mean that you will not be able to take full advantage of all the features or services available on this Site.
  3. Main cookies used on our SiteBelow is a list of the main cookies used on the Site and what each is used for:
    Name Visit/Client cookies
    ID phpsessid
    Purpose We will use cookies for the purpose below, but the actual purpose of this cookie is to identify a session ID stored in the database which contains information allowing us to remember that a customer has answered correctly to the 4 gated questions. The cookie itself does not hold this information.

    These cookies enable us to:

    • estimate our audience size and usage patterns; and
    • understand how people use the Site.
    • These cookies help us track certain actions around the Site (such as requesting a sample, or placing an order), and tie those together to understand, for example, how long it takes people to place an order after requesting a sample.

    They are not used to build a profile of you, other than what you do on the Site, and we are not able to tie them to behaviour away from the Site.  We do not share the information with any third parties.

    Expires These are persistent cookies, which remain on your device after your browsing session has ended.  The phpsessid cookie expires 30 days after it was first set.
    Source http://www.fairforyou.co.uk/
    Opting Out You can opt out of these cookies by turning off cookies in your browser.

     

     

    Name Visit/client cookies
    ID Forward_url, urn
    Purpose These cookies enable us to:

    Transfer you back and forth between this website and our supplier’s websites.

    Forward_url is the address you will be forwarded to

    URN is a unique identifier so we can pass on your order to the loan application

    They are not used to build a profile of you, other than what you do on the Site, and we are not able to tie them to behaviour away from the Site.  We do not share the information with any third parties.

    Expires These are persistent cookies, which remain on your device after your browsing session has ended.  Each of these cookie expires 30 days after it was first set.
    Source http://www.fairforyou.co.uk/
    Opting Out You can opt out of these cookies by turning off cookies in your browser.

     

    Name Cookie Banner
    ID catAccCookies
    Purpose This cookie enables us to

    1. hide the banner about our cookie policy after you’ve seen it.
    Expires This is a persistent cookie, which remains on your device after your browsing session has ended.  This cookie expires 1 year after it was first set.
    Source http://www.fairforyou.co.uk/
    Opting Out It is not possible to opt out of this cookie as it is strictly necessary for us to provide the functionality relating to the Site’s cookie banner.
  4. Cookies set by third parties
    1. We also use and work with a number of third party suppliers and partners who set cookies on this Site in order to deliver certain services and features. For example, we sometimes embed video content from websites such as YouTube, which set cookies on your device when you visit a page on this Site containing embedded content. We do not control the dissemination of these cookies. If you would like more information about the cookies used by these organisations, as well as information on how to opt-out, please review the table below.

    Cookie Name
    Purpose 
    YouTube We use YouTube to show some of our video content and YouTube may set cookies on your browser in order to display the video and monitor non-attributable statistical information.  Information on YouTube’s privacy policy can be found here http://www.google.co.uk/intl/en/policies/privacy/.

     

  5. Email Tracking
    1. Some of the emails we send to you may contain a ‘web beacon pixel’ or tracked links which allows us to identify when you have opened the email and to verify which links contained in the email you have accessed. We use this information to determine which parts of our emails are of most interest to you.
    2. You can delete the pixel by deleting the email. If you do not wish to download the pixel to your computer or other device, you can ensure this by selecting to receive emails from us in plain text rather than HTML.
    3. Alternatively you can unsubscribe from our mailing list by contacting us at contactus@fairforyou.co.uk.
  6. Changes
    1. We may make changes to this Cookie Policy at any time by sending you an e-mail with the modified Terms or by posting a copy of them on the Site. Any changes will take effect 7 days after the date of our email or the date on which we post the modified terms on the Site, whichever is the earlier.  Your continued use of the Site after that period expires means that you agree to be bound by the modified policy.
  7. Contact us
    1. If you have any questions or concerns about cookies or your privacy when using this Site, please contact us at contactus@fairforyou.co.uk.
  1. About this policy
    1. This policy provides an overview of how Fair For You Limited (“we”) will process any personal information we collect about you and how we will comply with data protection legislation and protect the rights of the individuals we deal with.
    2. It sets out below:
      1. Who we are and who is responsible for your personal data and general information;
      2. What personal information we collect about you;
      3. How we use your personal information;
      4. What credit reference and fraud prevention agencies do with your information;
      5. How your data will not be used by credit reference agencies;
      6. Information you give us on your own initiative;
      7. How we safeguard your information and how long we keep it for;
      8. With whom we share personal information, and why;
      9. Applicants’ rights under data protection legislation;
      10. How to make a complaint; and
      11. How to find out more.
  2. Who We Are And Who Is Responsible For Your Personal Data and General INFORMATION
    1. Fair For You is the Trading Name of Fair For You Enterprise Community Interest Company – Number 9798014. Authorised and Regulated by the Financial Conduct Authority.  Members of the Financial Ombudsman Scheme.  Fair For You Enterprise Community Interest Company is wholly owned by Fair For You Limited of Delta View, 2309 Coventry Road, Birmingham, B26 3PG.  Registered in England and Wales Number 8991099.  Fair For You Limited is a registered Charity Number 1161809.
    2. Fair For You Limited is responsible for your personal data and will ensure that it is handled in accordance with the Data Protection Act 1998 (“DPA”).
    3. Please refer to our Cookie Policy [link to Cookie Policy] if you would like consequences of doing so.
    4. Please note that by visiting and using our site, www.fairforyou.co.uk (“Site”) you are agreeing to the use of your personal information in the way that is described in this Privacy Policy.
    5. Any changes we may make to our privacy policy in the future will be posted on this page and, where appropriate, notified to you by email. We may make changes to this Privacy Policy at any time by sending you an email with the modified terms or by posting a copy of them on the Site.  Any changes will take effect 7 days after the date of our email or the date on which we post the modified terms on the Site, whichever is the earlier.  Your continued use of the Site after that period expires means that you agree to be bound by the modified policy.
    6. If you have any queries or concerns regarding this Privacy Policy or how we handle your personal information, please contact us at:
      Email Address: contactus@fairforyou.co.uk
      Postal Address:
      Delta View, 2309 Coventry Road, Birmingham B26 3PN
  1. What information do we collect about you?
    1. We may collect and process the following data about you (‘your information’):
      1. information that you submit online via our Site or over the telephone including (but not limited to) when you apply for a loan or register an interest with us;
      2. any correspondence you send to us which might include, for example, business plans and financial statements, references, proofs of ID and CVs;
      3. copies of any agreements you enter into with us;
      4. details of transactions you carry out or orders you place through the Site (or over the telephone); and
      5. details of your visits to our site and the resources that you access (which may include, amongst other things; traffic data and communication data).
    2. We may also collect your information from third parties, including our finance partners, credit reference agencies and fraud prevention agencies to make a decision about whether we can offer you a loan and the products and services we/our partners can offer you.
    3. In order for us to process your loan application and in order to comply with money laundering regulations, before we provide any service, as mentioned above, we may search the records of one or more registered credit reference agencies (either directly or via one of our banking partners) who will provide us with information from the electoral register and any other data appropriate to the search. The agency will keep a record of that search.  This may be used by other lenders when processing future applications for credit you may make.  We will also search at fraud prevention agencies for information held about you and any addresses at which you have lived for information about you or any business you have (if you have one).
    4. Information held about you by the credit reference agencies may already be linked to records relating to your partner/spouse. Where appropriate, any loan applications submitted may be treated as financially linked and your application may be assessed with reference to any ‘associated’ records and accordingly we will collect the information about you and the “associated” records.
    5. If your loan application is successful, your details will be held by us to enable your loan to be managed.
    6. We are regulated by the regulator of community interest companies. Information on how we are regulated can be found at their website here https://www.gov.uk/government/organisations/office-of-the-regulator-of-community-interest-companies.
    7. We are aware that your information may be confidential and we will protect the confidentiality of your information in accordance with our normal procedures and legal requirements.
  2. How will we use your information?
    1. We use your information in the following ways:
      1. To progress your loan application;
      2. to ensure that the Site’s content is presented as effectively as possible for you;
      3. for our internal purposes, such as quality control, site performance, system administration and to evaluate use of the Site, so that we can provide you with enhanced services;
      4. If you are making a joint application or tell us that you have a spouse, we will:-
        1. Search, link and/or record information at credit reference agencies about you both;
        2. Link any individual identified as your spouse, in our own records;
        3. Take both your and their information into account in future applications by either or both of you; and
        4. Continue this linking until the account closes, or is changed to a sole account and one of you notifies us that you are no longer linked.
      5. If and to the extent that you provide information about your spouse and/or we obtain their information as part of this process, you confirm that you have obtained their consent to pass their information to us and for us to process it as described in this policy.
      6. If you give us false or inaccurate information and we suspect or identify fraud we will record this and may also pass this information to fraud prevention agencies and other organisations involved in crime and fraud prevention.
    2. We will not sell your details to any third parties. However, we may share your information with people who are authorised to act on our behalf, for example in address validation. We will also share your details with third parties where obligated to do so by law.
    3. In the event that you default on your loan or any terms and conditions in relation thereto, details of such default or defaults will be passed to other lenders, debt recovery agencies and courts. In such circumstances, it is understood that the lender may disclose details of the borrower’s account and any matters relating to the account to any credit reference agency and to any individual, individuals or organisations for this purpose registered by the lender with the data protection registrar.
    4. We will use the information we receive from credit reference agencies to:-
      1. Assess your application for a loan;
      2. check details on applications for credit/loan and credit/loan related or other facilities;
      3. verify your identity and, if a joint application, the identity of your spouse, partner or other joint applicant.
      4. undertake checks for the prevention and detection of crime, fraud and/or money laundering;
      5. manage your personal account (if you have one) with us; and
      6. undertake periodic statistical analysis or testing to ensure the accuracy of existing and future products and services.
    5. We may use scoring methods to assess your application and to verify your identity.
    6. We may use your information in case studies that we produce which will then be used for advertising and marketing purposes. We will obtain your consent to do this.
    7. We may further use your information to:
      1. notify you about changes to our services;
      2. provide you with information, products or services that you request from us, or which we feel may interest you (provided of course that you agree);
      3. create reports to assist with future marketing;
      4. complaint handling purposes;
      5. carry out our obligations arising from any contracts and loans with you or under the law and for billing and delivery purposes;
      6. enable you to participate in the features of the Site, when you choose to do so; and
      7. help us improve our products and services.
    8. We may monitor your use of the Site and record your email address and/or IP address, operating system and browser type, for system administration and to report aggregate information to our advertisers. This is statistical information about our users’ browsing actions and patterns and does not identify any individual.
    9. We collect non-personal aggregated statistics data about Visitors to the Site and sales and traffic patterns. Just to be clear, this information does not identify users in any personal capacity and we do not use this information to build profiles on individual users: it just contains generalised information about the users of the Site.
  3. What Credit Reference and Fraud Prevention Agencies do with your information
    1. Any credit reference check we carry out will:
      1. Place a search “footprint” on your credit file whether or not this application proceeds. If the search was for a loan application the record of that search (but not the name of the organisation that carried it out) may be seen by other organisations when you apply for credit in the future;
      2. link together the records of you, your spouse and, if a joint application, the other person(s) listed on the joint loan application. These links will remain on your and their files until such time as you or your joint applicant(s) successfully files for a disassociation with the credit reference agencies.
    2. The credit reference agency will supply to us:-
      1. credit information such as previous applications and the conduct of the accounts in your name and any of your joint applicants;
      2. public information such as County Court Judgments (CCJs) and bankruptcies;
      3. electoral Register information; and
      4. fraud prevention information.
    3. If you borrow and do not repay in full and on time, credit reference agencies will record the outstanding debt.
    4. Records shared with credit reference agencies remain on file for 6 years after they are closed, whether settled by you or defaulted.
    5. If your application is successful, details of how you repay this agreement may be provided to the credit reference agency who will make this available to other lenders who may use the information for credit assessment, tracing of absconders and fraud prevention.
    6. If you give us false or inaccurate information and we suspect or identify fraud we will record this and may also pass this information to fraud prevention agencies and other organisations involved in crime and fraud prevention
    7. The information which we provide to the fraud prevention agencies about you, your financial associates and your business (if you have one) may be supplied by fraud prevention agencies to other organisations and used by them and us to : –
      1. prevent crime, fraud and money laundering by, for example;
      2. manage your personal, your spouse’s or other joint applicant’s credit or credit related account or other facilities;
      3. check details provided on applications for credit and credit related or other facilities;
      4. manage credit and credit related accounts or facilities;
      5. cross checking details provided on proposals and claims for all types of insurance;
      6. make decisions on credit and credit related services about you, your spouse, other joint applicant(s) and/or other members of your household; and
      7. check details on applications for jobs or when checked as part of employment.
    8. Your information may also be used to:-
      1. verify your identity if you, your spouse, other joint applicant(s) applies for other facilities;
      2. trace your whereabouts and recover debts that you owe;
      3. conduct other checks to prevent or detect fraud;
      4. undertake statistical analysis and system testing; and
      5. we and other organisations may access and use from other countries the information recorded by fraud prevention agencies.
    9. Please contact us at contactus@fairforyou.co.uk for details of the relevant fraud prevention agencies.
  4. How your data will NOT be used by credit reference agencies:-
    1. It will not be used to create a blacklist.
    2. It will not be used by the credit reference agency to make a decision.
    3. You can contact the Credit Reference Agencies currently operating in the UK; the information they hold may not be the same so it is worth contacting them all. They will charge you a small statutory fee.
      CallCredit, Consumer Services Team, PO Box 491, Leeds, LS3 1WZ or call 0870 0601414
      Equifax PLC, Credit File Advice Centre, PO Box 3001, Bradford, BD1 5US or call 0870 010 0583  or log on to www.myequifax.co.uk
      Experian, Consumer Help Service, PO Box 8000, Nottingham NG80 7WF,or call 0844 4818000 or log on to www.experian.co.uk.
  1. Cookies
    1. We may use ‘cookies’ to collect the information referred to and track your use of the Site. Cookies are small data files which gather information about your use of the Site and help us to provide you with a good experience when you browse the Site. For more information about ‘cookies’, why we use them and how to refuse cookies, please see our Cookie Policy [link to Cookie Policy].
  2. How We Safeguard your Information And how long we keep it for
    1. The following ‘Retention Periods’ are applicable for all loan applicants:
      1. successful Loan Applicant details: a maximum period of six years after you have fulfilled all loan payment obligations;
      2. unsuccessful Loan Applicants details: a maximum of six years after loan application rejection.
    2. We will keep that information secure, and use it only for specific legitimate purposes. We will keep information about you that is necessary for us, on behalf of Fair For You Limited, to provide you with a service or product you have requested.
    3. We will keep personal information secure by taking appropriate technical and security measures to protect it against the unauthorised or unlawful processing and against accidental loss, destruction or damage.
  3. Marketing
    1. We may use your information to provide you with marketing information that you request or that we feel may interest you by post, email and/or telephone (including SMS) as follows:
      1. Regular updates on your loan with information that may be relevant to you.
    2. If you are an existing customer, or have not made a purchase but have taken steps to do so by using the Site or contacting us, we may contact you by email/SMS/telephone/post with information about products and services which are similar to those we previously provided to you, unless, at the time we collect your contact information, you have indicated that you do not want to receive marketing information; or
    3. If you are a new customer, we may contact you by email/telephone (including SMS)/post only if you consent.
    4. We may also pass your information to other organisations who may contact you to provide marketing information about their products and services by post and/or telephone and, if you agree, by email and/or SMS.
    5. If you do not want us to use your information for marketing purposes, please indicate your preference via the relevant boxes on any of the forms you submit when providing your contact information. You may also ask us at any time not to use your information for marketing purposes by contacting us via the following methods:
      Email:  contactus@fairforyou.co.uk
      Phone:  0333 433 0739
      Post: Fair for You Ltd, Delta View, 2309 Coventry Road, Birmingham, B26 3PG
  1. Where do we transfer your information?
    1. We will not routinely transfer your information to, or store it, outside of European Economic Area (‘EEA’). If we do wish to transfer your personal data outside the EEA to countries which do not have as developed data protection laws, we will ensure that it is adequately protected in accordance with Principle 8 of the DPA.
    2. Please do not send us your information if you do not want it to be transferred to or stored outside the EEA. By providing your information to us you agree and consent to us transferring to, and storing your information at, a destination outside the EEA.
  2. With whom do we share your information?
    1. We may share your information with other organisations:
      1. if we sell or buy any business or assets (as we may share your data with the prospective seller or buyer);
      2. if we or substantially all of our company assets are acquired by another party, in which case your information will be one of the transferred assets;
      3. with service providers, business partners, suppliers, sub-contractors for the performance of any contract we enter with them or you; and
      4. if we have to share your information to comply with legal or regulatory requirements, or if we have to enforce or apply our loan agreements, Terms or any other agreements or to protect our rights, property or our customers. This may involve exchanging information with other companies and organisations for the purposes of fraud protection and credit risk reduction.
    2. We may share the non-personal aggregated statistics data about Visitors to the Site with third parties.
    3. We may also share your information with selected third parties for the purposes of credit reference, order fulfilment, delivery, data analysis, customer support and other services.
  3. How do we keep your information secure?
    1. All your information is stored on our secure servers. Any payment transactions will be encrypted using SSL technology.  Any actions you perform on the site which are related to your account will be encrypted.  If you have a username, password or other login details which enable you to access certain parts of the Site, you must not allow any other person to use them and must treat them as confidential.  If you believe or suspect that someone else knows your login details you must contact us at contactus@fairforyou.co.uk as soon as possible. Please also see our Terms.
    2. Unfortunately, the transmission of information via the Internet is not completely secure. Although we will apply our normal procedures and comply with legal requirements to protect your information, we cannot guarantee the security of your information transmitted to the Site and any transmission is at your own risk.  Once we have received your information, we will use strict procedures and security features to try to prevent unauthorised access.
    3. The Site may from time to time contain links to and from other websites. If you follow a link to any of those sites, please note that those sites ought to have their own privacy policies and that we do not accept any responsibility or liability for those sites or for their privacy policies.  Please check those privacy policies before you submit your information to those sites.  Please also see our Terms for further provisions relating to other websites.
  4. Your rights
    1. You can access and rectify certain parts of your personal information by logging into your account.
    2. Under the Data Protection Act 1998 you have the right to see the personal information that we hold about you (with the exception of the assessment of your application) on payment of a statutory fee which is currently £10. Before we agree to this, you must provide us with sufficient evidence of your identity and sufficient details of the information you wish to see to enable us to locate it.
    3. You have the right to correct any errors in information we hold about you, and to change or correct any details you have already given us. Please inform us about changes to your details so that we can keep our records accurate and up to date.
    4. You have the right to ask us not to process your information (or pass your information to other companies or organisations) for marketing purposes and be removed from our mailing lists, and those of our partner organisations. Instructions on how to stop further mailings will usually be contained in any direct marketing material we send out. Otherwise please contact us via email contactus@fairforyou.co.uk or post.
    5. We will respond within 40 days upon receipt of the request.
    6. If you have a complaint about how we have used your information, you have the right to complain to the Information Commissioner’s Office.
  5. Bankvision

    You are not required to provide us with viewing access to your bank account transaction information (Transaction History) or internet banking access details. You may still be allowed to apply for a loan with us if you do not provide us with this information. However, if you do it will help us make an informed decision about whether we can lend to you.

    If you agree that we may access your Transaction History the following provisions shall apply.

    Provide Accurate Information. You, agree to provide true, accurate, current and complete information about yourself and your bank accounts (with us or third parties) and you agree to not misrepresent your identity or your account information. You agree to keep your bank account information up-to-date, accurate and complete.

    Purposes. We will access your Transaction History using the services of a credit reference agency called Perfect Data Solutions Limited (PDS). We will use your Transaction History to assess your creditworthiness and whether the loan you seek is affordable.

    Neither we nor PDS will store or have access to your internet banking credentials, PIN codes or passwords. That information is encrypted in transit and stored by a third party service provider upon their servers in a secure environment outside the EEA.

    Third Party Accounts. By agreeing to allow us viewing access to your Transaction History, you authorise PDS and PDS’s service providers to access third party sites designated by you, on your behalf, to retrieve information requested by us, and to register to view bank statements over a period of up to 90 days. You agree that PDS and PDS’s service providers may, and are instructed by you as your agent and nominated representative, with full power of substitution and re-substitution, for you and in your name, place and stead, in any and all capacities, to access third party internet sites, servers or documents, retrieve information, and use your information, all as described above, with the full power and authority to do and perform each and every act and thing requisite and necessary to be done in connection with such activities, as fully to all intents and purposes as you might or could do in person. This will include the following purposes: copying Transaction History over a 90 day period and storing the copied Transaction History on our servers.

    You agree that the Transaction History shall also be used by PDS for credit reference agency purposes and may be taken into account when producing your individual credit score which may be shared with other organisations as part of your credit record.

    You acknowledge and agree that when we, PDS or PDS’s service providers access and retrieve information and Transaction History from third party sites, this is undertaken as your agent, and not the agent on behalf of any third party (including the bank account provider). You should be aware that third party account providers shall be entitled to rely on this authorisation and agency granted by you. You should also be aware that this service is not endorsed or sponsored by any third party bank account providers. We would recommend that you refer to the terms and conditions of your internet banking provider if you would like more information.

    You understand that allowing us to review your Transaction History is at your sole risk.
    We are only able to review your Transaction History on an “as is” and “as available basis” as it is made available to us by service providers. It may not be available to us from time to time.

    We cannot guarantee that allowing us to review your Transaction History will guarantee the success of your loan application or the rate at which the loan is available.

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