Terms & Conditions

About this policy

This policy provides an overview of how Fair for You Enterprise CIC (“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.

It sets out below:

    1. Who we are and who is responsible for your personal data and general information;
    2. What information we collect about you;
    3. How we use your 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 and how to contact them;
    6. How we safeguard your information and how long we keep it for;
    7. Marketing
    8. Where we transfer your information;
    9. With whom we share personal information, and why;
    10. Your rights;
    11. Bankvision; and
    12. How to find out more.

 

  1. 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 – Company Number 09798014. Authorised and Regulated by the Financial Conduct Authority FRN 719715.  Members of the Financial Ombudsman Scheme.  Fair For You Enterprise Community Interest Company is wholly owned by Fair For You Limited of Unit 8, Elm Court, Meriden Business Park, Copse Drive, Coventry, CV5 9RG.  Registered in England and Wales Number 8991099.  Fair For You Limited is a registered Charity Number 1161809.
    2. Fair for You is responsible for your personal data and will ensure that it is handled in accordance with The General Data Protection Regulation (GDPR) which, together with the Data Protection Act 2018 (DPA 2018), forms the data protection regime in the UK.
    3. 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:
      Unit 8, Elm Court, Meriden Business Park, Copse Drive, Coventry, CV5 9RG

 

  1. What information 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, proofs of ID, proofs of address and bank statements;
      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. To enable us to meet our obligation to check the identity of our customers (new and existing) 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.

 

  1. How 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, including the pre-filling of forms using the information we already hold about 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 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. Unless otherwise indicated, we process your information in these ways for the performance of, or to take steps to enter into, a contract with us for the provision of credit and for legitimate business purposes.
    3. 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.
    4. 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.
    5. 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;
      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.
    6. We may use scoring methods to assess your application and to verify your identity.
    7. 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.
    8. 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 have agreed);
      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.
    9. We may use automated decisions with regards to your application to us. Should you wish for an automated decision to be manually checked please email loans@fairforyou.co.uk with information about your application.
    10. 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.
    11. 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.

 

  1. 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. 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;
      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. The Identities of the CRAs, and the ways in which they use and share personal information, are explained in more detail at https://www.transunion.co.uk/crain
    10. Please contact us at contactus@fairforyou.co.uk for details of the relevant fraud prevention agencies.

 

  1. How your data will NOT be used by credit reference agencies and how to contact them:-
    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 may charge you a small statutory fee.

TransUnion, 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. 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 Applicant details: a maximum of six years after loan application rejection.
    2. We will use your information only for specific legitimate purposes. We will keep information about you that is necessary for us 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.

 

  1. Marketing
    1. We may use your information to provide you with marketing information (including information from third parties) that you request or that we feel may interest you by post, email and/or telephone (including SMS).
    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.
    3. We process your information in this way for legitimate business purposes, and in doing so we ensure that we always keep your Personal Data in high regard and take account of these rights.
    4. 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, Unit 8, Elm Court, Meriden Business Park, Copse Drive, Coventry, CV5 9RG

 

  1. Where 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.

 

  1. With whom we share your information, and why
    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.

 

  1. 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) in most cases this information will be provided free of charge, however we may charge a reasonable fee to cover our administrative costs if the request is manifestly unfounded or excessive, particularly if it is repetitive. 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. To request a copy of your information please contact us via email contactus@fairforyou.co.uk or post.
    3. You have the right to correct any errors in information we hold about you, to change or correct any details you have already given us or in some instances erase data that we hold about you. 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. You have the right to ask for information we hold about you to be reused for other purposes across different services.
    6. We will respond to your request within one month upon receipt.
    7. If you have a complaint about how we have used your information, you have the right to complain to the Information Commissioner’s Office: https://ico.org.uk/global/contact-us/

 

  1. Open Banking

This section of our Privacy Policy relates to Open Banking and should be read in conjunction with the other clauses in our Privacy Policy.  In the event of conflict with any other clauses, this clause shall prevail.

What is Open Banking?

Open Banking is the secure way of providing access to your bank or building society account to providers who are registered for this purpose.

Registered providers and participating banks and building societies are listed under the Open Banking Directory.

Open Banking was set up by the UK Government to encourage more competition and innovation in the financial services sector.

As a forward thinking lender, we support the use of Open Banking as it allows us to process loan applications efficiently, securely and in our consumer’s best interests.

By permitting access to your bank or building society account information we are able to make a better lending decision as we shall be able to verify your income, outgoings and other matters in order to assess what loan terms would be suitable for you based upon what you can reasonably afford to repay.

Further information about Open Banking is available from www.openbanking.org.uk.

How will my personal data be shared and used for the purposes of Open Banking?

By proceeding with your loan application via our website you expressly consent to us sharing your personal, contact and loan application details (“the Shared Personal Data”) with our registered Open Banking partner, Perfect Data Solutions Limited (“PDS”) who are also a credit reference agency.  During your loan application we shall safely and securely direct you to PDS’s secure portal (“the Portal”) for the purposes of granting PDS access to your bank or building society account information (“Transaction Information”). As soon as your Transaction Information is received it shall be reported back to us in the form of a completed search in order that we may continue to process your loan application (“the Permitted Purpose”).

Further information about PDS including their registered provider and regulatory status is available from www.lendingmetrics.com.

Is Open Banking secure?

PDS are registered under the Open Banking Directory as an account information service provider and are also regulated by the Financial Conduct Authority as a payment services firm under number 802599.  Any data you submit via the Portal will be encrypted and its usage tracked as part of set Open Banking data security standards.

We are responsible for the secure transmission of any Shared Personal Data to PDS, for safely directing you to the Portal and for the safe receipt and usage of your Transaction Information.

You will not be required to share your banking password or log in details with either us or PDS.  Once you have given your explicit consent to share your bank account information on the Portal you will be directed to your own bank or building society’s login page where you will enter in your own login details directly.

Save as set out above or elsewhere in this Privacy Policy, we are not responsible for your direct data transmissions with PDS or with your own bank or building society.

How will my Shared Personal Data and Transaction Information be used?

PDS shall, subject to their own terms and conditions and privacy policy, and, if your bank or building society is registered to provide access under the Open Banking Directory, obtain your Transaction Information and submit this back to us for the Permitted Purpose. By way of example, the Transaction Information that we shall receive is likely to include information relating to your income, outgoings and credit worthiness.

PDS shall be entitled to re-access your Transaction Information for up to 90 days from the date of your original search result in order to refresh the search results, obtain a snapshot of your data or gather additional data.

PDS shall hold the Shared Personal Data and the Transaction Information they receive and retain according to their own terms and conditions and privacy policy, available on the Portal, which you will be required to read and consent to once directed their via our website.

As PDS are also a credit reference agency they may also share and keep a record of your Shared Personal Data and Transaction Information.

Will you use my Transaction Information data for any other purpose?   

The Transaction Information we receive about you will only be used for the Permitted Purpose.  We do not sell or share Transaction Information with any third party.

Save as set out above the information contained in the rest of this Privacy Policy deals with how we collate, use, transfer, store, delete and other terms applicable to your personal data including Shared Personal Data and Transaction Information.

Do I have to provide you with my consent to proceed?

Consent must be provided to allow for us to assess your bank statements digitally. If you would prefer not to give your consent for this and we need Bank Statements to review your application, you can also provide them by sending Sreenshots/Pictures to us as described in the email we will send you.

Where your bank or building society have already permitted access to your Transaction Information you shall need to contact them directly in order to withdraw your consent under their particular Open Banking terms and conditions.

Are any of my other rights under this Privacy Policy affected?

Your individual data protection and privacy rights including the right to access, correct, delete, object, restrict, withdraw consent, request transfer and/or make a complaint, continue to apply to relevant personal data we control or process and are dealt with elsewhere in this Privacy Policy.

Under Open Banking as your personal data is shared by your bank or building society and accessed by PDS you may also be able to exercise your individual data protection and privacy rights against either of them pursuant to their own terms and conditions and privacy policies.

 

  1. How to find out more

If you would like any further information on how we use your information, please contact us by calling 0333 433 0739 or email us at contactus@fairforyou.co.uk.

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 3.5% per month on the outstanding loan balance. This equates to an Annual Percentage Rate (APR) of 51.1%.

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.

Fair for You Card
Terms and Conditions

These terms and conditions apply to your prepaid reloadable Fair for You Card (Card) and its use. You must read them carefully. In these terms and conditions “you” means the Cardholder and the authorised user of the Card. “We”, “us” or “our” means EML Payments Europe Limited or PerfectCard DAC acting on its behalf. “Website” means the program website at https://www.fairforyou.co.uk/

1. Your Card

Your Card is not a credit card and is not in any way connected to your bank account. You will not earn any interest on any funds loaded on your Card.

Using the Card, indicates your agreement with these terms and conditions.

2. Loading your Card

The amount you can load onto your Card is up to a maximum amount of £500. We reserve the right to refuse to accept any particular loading transaction. Upon receipt and clearance, your funds will be available for use on the Card without delay.

3. Using your Card

Information on where and how to use your Card are found on the Website and you will need to follow these instructions when using your Card.

You can use the Card at any participating retailer in the Fair for You program. Before using the Card, it is your responsibility to ensure that there are sufficient funds loaded on it to cover your purchase. You will not be able to use your Card after its Expiry Date.

We will deduct the value of your transactions from the balance on your Card as soon as they are made and we will also deduct any applicable fees as soon as they become due; see our Fees clause below for details of any applicable fees. While the Cardholder may use the Card, the Card always remains our property.

Figures below represent the lowest and highest load balance depending on where the card is purchased.

Limits
Card Maximum Load £500
Card Maximum Balance £1,500
Min Load £5

For fraud prevention reasons, your card use may be queried and we may block further usage, either completely or only in certain territories or merchants. In such circumstances, you can contact Customer Services as follows:
Tel: 0333 433 0739
E: contactus@fairforyou.co.uk

We reserve the right to, at any time suspend, restrict or cancel your Card or refuse to issue or replace a Card for reasons relating to the following:

a) we are concerned about the security of your account or Card(s) we have issued to you;

b) we suspect your account is being used in an unauthorised or fraudulent manner; or

c) we need to do so to comply with the law.

If we do this, you may contact Customer Services to obtain the reason for the suspension, restriction or cancellation and we will tell you as soon as we can or are permitted to do so. Like other payment cards, we cannot guarantee a retailer will accept your Card. We may also refuse to pay a transaction:

a) if we are concerned about security of your Card or we suspect your Card is being used in an unauthorised or fraudulent manner;

b) if sufficient funds are not loaded on your Card at the time of a transaction to cover the amount of the transaction and any applicable fees;

c) if we have reasonable grounds to believe that you are acting in breach of these terms and conditions or the program agreement to which these terms and conditions relate;

d) if we believe that a transaction is potentially suspicious or illegal (for example, if we believe that a transaction is being made fraudulently); or

e) because of errors, failures (whether mechanical or otherwise) or refusals by merchants, payment processors or payment schemes processing transactions.

If we refuse to authorise a transaction, you may contact Customer Services and we will immediately tell you why, if practicable, unless it would be unlawful for us to do so. While speaking with Customer Services you may have the opportunity to correct any information we hold, and which may have caused us to refuse a transaction.

4. Authorising Transactions

Subject to the features of the particular Card, the authorisation of a transaction can include authorising any single transaction, or pre-authorising future transactions of a certain or uncertain amount.

A Card transaction will be regarded as authorised where you authorise the transaction at the point of sale by following the instructions provided by the merchant or retailer. This may include:

a) signing a sales voucher; or

b) providing the Card details and/ or providing any other details as requested.

Authorisation for a transaction may not be withdrawn (or revoked) by you after the time it is received by the merchant.

We will pay the funds required by the retailer or merchant to cover the transactions authorised by you within three (3) days of us receiving their request. A transaction will be received at the time we receive the transaction instruction from the merchant acquirer.

5. Expiry, suspension and cancellation of your Card

The Card will expire 60 months from the date on which it was purchased (the Expiry Date). After the Expiry Date, you cannot use the Card but you can request a replacement Card or access any funds not yet drawn down through the redemption process specified in clause 6 below.

We may also cancel this agreement or suspend your card or account immediately if we believe your Card is deliberately being used by you to commit fraud or for other illegal purposes. If we do this, you may contact Customer Services for the cancellation reason and to process a redemption of unused funds or funds not yet drawn down as appropiate. If your Card is cancelled, we will immediately block your Card so it cannot be used. You will not be entitled to a refund of money you have already spent on authorised transactions, or pending or any fees for use of the Card before the Card is cancelled or expires.

You can cancel your Card by contacting Customer Services. If you cancel your Card, once all transactions and fees have been deducted, we will arrange for any unused funds to be refunded to you in accordance with the redemption process mentioned in clause 6 below. A Redemption Fee may be charged (see Fees clause below).

6. Replacement and Redemption during and after the Expiry Date and Redemption Fee.

For up to six (6) years after the Expiry Date, the Cardholder may request a replacementCard to be activated immediately for the value of any remaining funds not yet drawn down as at the Expiry Date. In order to do so, the Cardholder must contact Customer Services and we may need to request certain information and/or documentation, in order to meet our legal obligations, before we are able to issue a replacement Card.

Upon the Expiry Date of the Card, any amount of the loan represented by the Card not drawn down by the Cardholder will be returned to Fair for You and the Cardholder’s liability to repay any loan amounts owing to Fair for You reduced accordingly.

7. Keeping your Card secure

You should treat your Card like cash. If it is lost or stolen, you may lose some or all of your money on your Card, in the same way as if you lost cash from your wallet or purse. As a result, you must keep your Card safe and not let anyone else use it.

We recommend that you check the balance on your Card regularly online at the Website.

8. Lost or stolen Card and unauthorised or incorrectly executed transactions

You must tell Customer Services without undue delay if you know or suspect that a Card is lost or stolen or if you think a transaction has been incorrectly executed.

We will refund any incorrectly executed transaction immediately unless we have any reason to believe that the incident has been caused by a breach of this agreement, gross negligence or we have reasonable grounds to suspect fraudulent activity. However, you will bear the loss, up to £35 in total, if the transaction results from the use of a lost or stolen card.

However, if investigations show that any disputed transaction was authorised by you, or you have acted fraudulently or with gross negligence (for example by failing to keep your Card secure), you may be liable for any loss we suffer because of the use of the Card as well as criminal or other proceedings.

9. Our liability

We will not be liable for any loss arising from:

a) any cause which results from abnormal or unforeseen circumstances beyond our control,

b) consequences which would have been unavoidable despite all our efforts to the contrary; or

c) a retailer refusing to accept your Card (unless we have acted negligently or willfully in this regard); or

d) our compliance with legal and regulatory requirements; or

e) loss or corruption of data unless caused by our negligence or willful default

10. Refunding Transactions

You may be entitled to claim a refund in relation to transactions where:

a) the transactions were not authorised under this agreement;

b) we are responsible for a transaction which was incorrectly executed and you notified us in accordance with clause 8 above;

c) a pre-authorised transaction did not specify the exact amount at the time of its authorisation and the amount charged by a supplier is more than you could reasonably have expected, taking into account normal spending patterns on the Card or the circumstances of the transaction.

A claim for a refund in the circumstances set out above will be rejected if the date of the claim exceeds one hundred and twenty (120) days from the settlement date of the transaction.

To process a refund request you must first contact Customer Services and complete a dispute transaction form. Upon completion of the dispute form you must email the form to info@perfectcard.io In order for us to comply with our legal obligations, we may ask you to provide identification information before we can process your refund request. Processing time may take up to forty-five (45) days for an outcome to be reached, though we will make reasonable efforts to process the request sooner. Subject to a favourable outcome of your dispute, the value in question may be refunded to the originating card or alternatively, whereas the originating card is expired, the refund may be processed to a bank account of your preference within one (1) to three (3) business days.

11. Changes to these Terms

We may change these terms at any time by notifying you on the Website at least two (2) months before the change is due to take effect. The most current version of the terms and conditions will always be available on the Website. The change will automatically take effect and you will be taken to have accepted the notified change unless you tell us that you do not agree to the change. In that event, we will treat that as notification that you wish immediately to terminate and, in such circumstances, we will refund any balance on the Card in accordance with clause 10 above and you will not be charged a Redemption Fee.

12. The Fees

We do not charge any fees for checking your balance online and transactions. However, the following fees do apply:

Fee Description Amount Frequency
Card Replacement Fee up to £10 Payable upon each Card replacement

13. Disputes with Retailers

If you have any disputes about purchases made using your Card, you should settle these with the person you bought the goods or services from. We are not responsible for the quality, safety, legality or any other aspect of any goods or services purchased with your Card. Remember that once you have used your Card to make a purchase we cannot stop that transaction.

14. Customer Services

If you have any enquiry relating to your Card, you can contact Customer Services at contactus@fairforyou.co.uk, call the number on the back of your card.

15. Complaints

The Card is managed by EML Payments Europe Limited. If you are unhappy in any way with your Card or the way it is managed, you should first contact Customer Services. If you are still unhappy contact us at cardsupport@emlpayments.com so we can investigate the circumstances for you. Any complaints you have will be dealt with quickly and fairly.

Following our investigation if you are still unhappy you may also complain to the Financial Services and Pensions Ombudsman at 3rd Floor, Lincoln House, Lincoln Place, Dublin 2, D02 VH29. Telephone: +353 (0)1 567 7000 and e-mail: info@fspo.ie or by using their online facility to submit a complaint.

16. Compensation

The Card is an electronic money (e-money) product and although it is a product regulated by the Central Bank of Ireland, no compensation scheme exists to cover losses claimed in connection with the Card.

17. Assignment

We may assign the benefit and burden of these terms and conditions to another company at any time. If we do this, your rights will not be affected.

18. Severability

If any term of the agreement is invalid, the remainder thereof shall remain unaffected.

19. Governing Law

This Agreement is concluded in English. All communications with you will be in English wherever possible. This FX Services Agreement and any dispute or claim arising out of or in connection with it or its subject matter or formation (including non-contractual disputes or claims) shall be governed by and construed in accordance with the law of the Republic of Ireland.These terms and conditions will be construed in accordance with Irish law. In the event these terms and conditions are translated into any language other than English then the English language version shall prevail.

20. Fund Protection

As a responsible e-money issuer, PerfectCard DAC ensures that once it has received your funds they are deposited in a secure account, specifically for the purpose of redeeming transactions made by your Card. In the event that PerfectCard DAC becomes insolvent, funds that you have loaded and which have been deposited by PerfectCard DAC are protected against the claims made by creditors.

21. Card Issuer

The e-money associated with your Card is issued by PerfectCard DAC, whose principle office is Unit A10, Network Enterprise Park, Kilcoole, Co. Wicklow, ROI, which is authorised by the Central Bank of Ireland under the Electronic Money Regulations 2011 (Register Ref: C95957). The Card is issued by EML Payments Europe Limited.

  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.
  1. Any Fair for You Customer can refer as many new customers as they wish under the referral scheme (“Scheme”).
  2. If the referring customer is an existing Fair for You customer, Fair for You will reduce the referring customer’s total loan balance by £5.
  3. For the referral benefit to be issued, the new customer must complete their loan application after 15th February 2016.
  4. The referral bonus will only be issued if the new customer states the name of the referring customer during the loan application process or if referred online.
  5. Fair for You will issue any properly accrued referral benefits within 14 days of the Scheme being satisfied.
  6. No cash alternative is available for the referral benefit.
  7. The Scheme is intended for use by Fair for You customers to refer family, friends and colleagues. Fair for You does not support email spamming or abuse and customers may not violate any applicable anti-spam or similar laws or regulations when participating in the Scheme.
  8. Customers cannot refer themselves.
  9. Fair for You, in its sole discretion, reserves the right to make any necessary modifications to the Scheme and these rules at any time.
  10. Fair for You, in its sole discretion, reserves the right to remove the Scheme at any time.
  11. By referring people to Fair for You under the Scheme, you are agreeing to abide by these rules.
  12. Additional restrictions may apply; void where prohibited by law.
  13. These rules 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 https://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 https://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 https://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 https://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.