We and the card issuer Enfuce UK Limited are handling your personal data. You should have been issued with all of these documents. These Snap Loan Terms of Use are in addition to the documents listed in the page.

Enfuce | Terms and Conditions

Explicit consent: By accepting these Terms, you give your permission for us to process your Personal Data (including transaction data) to provide you with payment services according to the Payment Services Regulations 2017 (see clause 15 below)

This agreement (“Terms”) sets out the terms and conditions relating to the use of the Card issued by Enfuce UK Ltd and constitutes a binding agreement between you and us. "You" and "your" means the Card User, as defined below.

The Card is issued by Enfuce UK Ltd (“Enfuce”, "we", "our" or “us”). We are authorised and supervised by the Financial Conduct Authority as an electronic money institution and are authorised to issue card payment instruments connected to the Card Scheme (as defined below) network.

The Card is provided to you in collaboration with Snap Finance Ltd (see below for further details) which is referred to in these Terms as “Snap Finance”. The role of Snap Finance is explained in more detail in clause 4.

These Terms apply to the following Card Programme (“Card Programme”):

Virtual and tokenised (i.e. digital wallet card) payment instrument.

The Card is an electronic payment instrument issued by us to Snap Finance, which you (i.e. the Card User) are authorised by Snap Finance to use to obtain a point-of-sale loan from Snap Finance (within your pre-approved Snap Loan limit) by paying for goods or services at certain merchants (referred to in these Terms and defined below as the “Qualifying Merchants”). The Card is not a credit card but a method of accessing the Snap Loan which Snap Finance granted to you.

Enfuce UK Ltd, a company incorporated in England with registered address 1 Chapel Street, Warwick, United Kingdom, CV34 4HL, email ukenquiries@enfuce.com.

Enfuce is registered with the Companies House under company number 13978639 and is authorised by the Financial Conduct Authority as an electronic money and payment institution (reference number 993783).

Financial Conduct Authority contact details:

Consumer complaints can be referred to the Financial Ombudsman Service after final complaint decision letter received from Enfuce:

https://www.financial-ombudsman.org.uk/consumers/how-to-complain

Snap Finance Ltd, company number 08080202, a company incorporated in England and Wales with its principal office at 1 Vincent Avenue, Crownhill, Milton Keynes, MK8 0AB, England.

website: www.snapfinance.co.uk and Snap Pay mobile application

The User Interface enables activation, viewing Transactions, viewing the Available Balance, blocking and unblocking the Card (possible only on the website and not the Snap Loan mobile application) and raising queries with Customer Services in relation to the use of the Card(s) and/or Available Balance

Mobile/e-commerce at Qualifying Merchants only.

Qualifying Merchants: any retailer included from time to time in the list of available retailers on Snap Finance’s website (www.snapfinance.co.uk/store-locator).

Validity period: duration of the Snap Loan

Card Programme Description

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You must agree and comply with these Terms to be allowed to use the Card. If you do not agree to these Terms, you will not be issued with a Card as a mechanism to access your Snap Loan. These Terms in force at the time of your application will be displayed on the User Interface and can be printed or saved in an electronic format (for example pdf.). You can also request a copy of these Terms at any time by contacting Customer Services.

These Terms create a legally binding agreement between you, Snap Finance and us in relation to the use of the Card. Please note that the terms of the Snap Loan are governed by a separate agreement between you and Snap Finance, referred to in these Terms as the Snap Loan Agreement.

Please read to these Terms carefully and retain a copy for future reference.

1.1 Defined terms will have the meanings defined below, unless defined elsewhere in these Terms:

“Applicable Law” means all applicable laws, including statutes, statutory instruments, regulations, court decisions and judgements, any requirements, guidance or code of practice stipulated by an applicable Regulatory Authority, and including any applicable rule or requirement of any Card Scheme related to the issuance, sale, authorisation or use of the Card.

“Available Balance” refers to the amount of your Snap Loan that you can access using the Card. Please note that if you have already used the Card to obtain a point-of-sale loan from Snap Finance within your pre-approved Snap Loan (and no refund has been issued), the Available Balance will amount to the total approved loan amount minus any completed Transactions.

“Business Day” means Monday to Friday, 08.30am and 5.30pm GMT, excluding bank, national and public holidays in England.

“Card” means the virtual card (including tokenised through electronic wallet), issued to Snap Finance by us in the Denominated Currency, which you are authorised to use by Snap Finance to obtain a point-of-sale loan from Snap Finance within your pre-approved Snap Loan, by paying for goods or services at Qualifying Merchants.

“Card Scheme” means the payment network to which the Cards are connected, as specified in the Card Programme Description.

“Card User” means you, the person who is authorised by Snap Finance to use the Card.

“Customer Services” means the support provided by Snap Finance in respect of the Card and the Card Programme, details of which are set out in the Schedule to these Terms.

“Denominated Currency” means the currency specified in the Card Programme Description.

“Personal Data” means any personal identity details relating to your use of the Card including (but not limited to) your: name, date of birth, social security number, home address, email address and telephone (landline and/or mobile) number and may include Security Details. Full details of the Personal Data which we process are set out in our Privacy Policy (https://enfuce.com/privacy-and-data-protection/).

“POS” means a point of sale terminal.

“Qualifying Merchant” means any retailer included from time to time by Snap Finance in the list of retailers available at snapfinance.co.uk/store-locator, and where you can obtain a point-of-sale loan from Snap Finance within your pre-approved Snap Loan by paying for goods or services using the Card.

“Regulatory Authority” means as the context requires, any Card Scheme and/or any regulator or agency having jurisdiction over us or Snap Finance related to the issuance, marketing, sale, authorisation or usage of the Cards or services provided under these Terms, including without limitation the Financial Conduct Authority.

“Security Details” means certain information enabling the use of the Card and access to the User Interface, for example your personal details or password, or information provided by us to you from time to time, for example, Card number (including three digits CVV number), its expiry date or password associated with your account on the User Interface.

“Snap Loan” means the pre-approved loan granted to you by Snap Finance pursuant to the Snap Finance Loan Agreement, in the amount set out in the Snap Loan Agreement, and which you can access (i.e. receive point-of-sale loans) by using the Card to complete a Transaction with a Qualifying Merchant.

“Snap Loan Agreement” means the agreement between you and Snap Finance in relation to the Snap Loan.

“Transaction” means your use of the Card to make a payment for goods or services at a Qualifying Merchant.

“User Interface” means the website, subsites or mobile applications provided to you by Snap Finance where you may perform certain operations in relation to the Card, as specified in the Card Programme Description.

1. Definitions and Interpretation 

2.1 You must be 18 years or older and residing in the United Kingdom to be eligible to use the Card.

2.2 An application for a Card as a mechanism to access Snap Loan may be subject to certain eligibility and other checks carried out by Snap Finance on our behalf, for example, to verify your identity. This process can be carried out as part of the Snap Loan application process. You agree to provide all information and documentation requested by Snap Finance. Please note that Snap Finance may engage third parties to verify certain information, for example, credit reference agencies.

2.3 All information provided by you must be accurate and truthful to the best of your knowledge. You must promptly notify Customer Services if any of the information provided by you changes or update your information in the User Interface. You must notify all changes to your Personal Data, sanctions that may affect you, or if your use of the Card could become illegal for any other reason.

2.4 We (and Snap Finance on our behalf) reserve the right to carry out additional checks after the Card has been issued and/or activated, for example before we process any Transaction.

2.5 If you fail to provide the information or documentation requested by Snap Finance, we may be unable to issue the Card and/or process any Transaction and we may suspend the Card and ultimately terminate this agreement with you.

2.6 All Card issuance and activations are at our discretion, and we may refuse to accept your request.

2. Eligibility and other checks

3.1 We are the issuer of the Card, and we handle all Transactions made using the Card. It means that, through our membership with Visa, we ensure that Qualifying Merchants receive payment from Snap Finance for the goods or services that are subject to a Transaction, and in respect of which you receive a point-of-sale loan from Snap Finance (see paragraph 3.3 below for further details).

3.2 The Card is issued by us to Snap Finance as a method of payment by Snap Finance to Qualifying Merchants for goods or services you purchase from such Qualifying Merchants. By providing you with the Card details in connection with your Snap Loan, Snap Finance authorises you to use the Card to make the payment to the Qualifying Merchants on behalf of Snap Finance.

3.3 By using the Card to pay for goods or services at Qualifying Merchants (and if the Transaction is not reversed or declined), you will be receiving a point-of-sale personal loan from Snap Finance in the amount of the Transaction, on the terms set out in the Snap Loan Agreement. The point-of-sale personal loan which occurs at the point of Transaction execution will only be granted to you if your Snap Loan has not been terminated, withdrawn and if there is sufficient Available Balance. If the Snap Loan has been terminated, withdrawn or if there is insufficient Available Balance, the Transaction will be declined, and you will not receive a point-of-sale loan.

3.4 The Card allows for multiple point-of-sale loans to be granted, up to the amount of the Available Balance. If the Available Balance is not used within the Card expiry date (which corresponds to the validity of the Snap Loan), you will not be able to use it in another way.

3.5 Please note that the Card can only be used to complete Transactions with Qualifying Merchants. Any attempts at using the card outside of the Qualifying Merchants network will be declined.

3. Information about the Card

4.1 As mentioned in clause 3.1, we are the issuer of the Card.

4.2 The Card is issued to Snap Finance, as the payer in the Transactions with Qualified Merchants. You are only permitted to use the Card in accordance with these Terms, strictly as an authorised user on behalf Snap Finance.

4.3 Snap Finance is the lender, who provides you with the Snap Loan facility. We are not a party to the Snap Loan Agreement, and we do not participate in the lending activity and related process. All Snap Loan repayments must be made directly to Snap Finance in accordance with the terms of your Snap Loan Agreement with Snap Finance. In the event there is an overpayment of the Snap Loan (including because of any refunds issued by us, the Card Scheme or any Qualifying Merchant), Snap Finance will handle the repayment of any amounts due to you.

4.4 Snap Finance is your primary point of contact and if you have any questions or issues related to the use of the Card, you should contact Snap Finance via Customer Services.

4.5 Snap Finance is authorised to collect and pass on to us all information, communications and instructions submitted by you.

4.6 We may exercise our rights under these Terms via Snap Finance and to this limited extent, references to “us”, “we” or “ours” will be interpreted as references to Snap Finance.

4.7 The use of the Card is personal to you. You cannot assign your rights under these Terms to someone else, and you are strictly prohibited from allowing any third party to use the Card.

4.8 Your ability to use or access the Card may occasionally be interrupted, for example, if we need to carry out maintenance on our systems or if the Card Scheme is experiencing issues with the processing of Transactions. You should notify Customer Service of any problems experienced using the Card or report the issue via the User Interface and we will do our best to resolve these as soon as possible.

4.9 You may request to have the Card blocked or unblocked by contacting Customer Services or using the User Interface. Blocking the Card will not satisfy your obligation to inform us of the suspected or actual loss, theft, misuse or fraudulent use of the Card or of the Security Details. Please see clause 7 for further details on what to do in these circumstances.

4. Our role and the role of Snap Finance

5.1 This clause 5 applies if a digital wallet (for example Apple Pay and Google Pay) is enabled for the Card as part of the Card Programme.

5.2 The use of a digital wallet is subject to the terms and conditions of the digital wallet provider, which will be provided to you when you activate your digital wallet on your device. We are not responsible for the terms of use of the digital wallets.

5.3 To use a Card in a digital wallet, or to remove it from the digital wallet, you must follow the instructions of the wallet provider. Some digital wallet providers may restrict the use of certain cards or limit the number of cards added. Please note that the functionality of the wallet is not our responsibility, and all questions about the use of the wallets should be directed to the relevant wallet provider.

5.4 Card Transactions using a digital wallet can be made with Qualifying Merchants who accept the specific digital wallet.

5.5 If the device where a digital wallet storing a Card is enabled is lost or stolen, you must inform Customer Services immediately and treat the incident as if the Card Security has been compromised. Before you sell or dispose of the device, the Card must be removed from the wallet.

5.6 You should be alert to any messages notifying you about a Card having been added to a digital wallet and inform Customer Services immediately if you suspect fraud.

5.7 The use of a Card in a digital wallet may be suspended by us in certain exceptional situations, to protect the security of the Card. If a Card expires or is terminated, you will no longer be able to use in in the wallet.

5. Digital wallets

6.1 You must keep the Card and its Security Details safe by taking appropriate measures, including, but not limited to, the following:
(a) never allowing anyone else to use the Card and never sharing the Security Details with anyone;
(b) complying with any instructions we or Snap Finance give about keeping the Card and the Security Details safe and secure;
(c) choosing strong passwords that mix alpha and numeric characters when managing the Card via the User Interface;
(d) shredding any personal information or Security Details relating to the Card that could be used by an identity thief; and
(e) reporting loss, thefts or misappropriation of any Security Details relating to the Card to Customer Services and any relevant organisations to warn them of any potential attempts to commit identity fraud in your name.

6. Card Security

7.1 You will need to authorise each Transaction so that we can check it is genuine.

7.2 When you use the Card to make an online purchase, in addition to providing the Card details, you may be asked to confirm your identity. Depending on the authentication technology used, you may be asked to authenticate the Transaction by: (i) something you know, for example, a password; (ii) something you have, for example, a passcode sent to your mobile phone, a card reader or other device generating a one-time passcode; and (iii) something you are, for example using a fingerprint scanner, face recognition or other authentication methods that enable verifying that it is you who is authorising the Transaction. A technology called 3D Secure is often used by merchants to facilitate such secure online authentication, and some technologies will enable you to use the User Interface as part of the Transaction authorisation process. Please note that we are not responsible for any such authentication technologies and we cannot be held liable for anything related to the use of such technologies.

7.3 Once a Transaction has been authorised by you, it cannot be cancelled.

7. Authorising Transactions

8.1 If the Card Security is compromised and the Card is misused or is likely to be misused by a third party or you suspect that someone else may know the Security Details or has carried out an unauthorised Transaction, you must stop using the Card and notify Customer Services directly (and block the Card via the User Interface, if such functionality is available). You must do this as soon you become aware of the loss, theft, misappropriation or unauthorised use of the Card or Security Details. Unless already blocked by you via the User Interface, the Card will be suspended to avoid further losses.

8.2 You will be required to confirm details of the misuse to us in writing and you may be asked to assist Us, our agents or the police.

8. Misuse of cards

9.1 You must notify Customer Service as soon as you become aware of a Transaction that has not been authorised by you in accordance with clause 7.1 above, or if you believe that we have incorrectly executed a Transaction. Snap Finance, as the holder of the Card and the payer in the Transaction, will have the right to raise a complaint with us.

9.2 We will investigate the circumstances leading to the unauthorised or incorrectly executed Transaction. We may ask you to provide us with supporting information and documentation to help us with our investigation and you agree to cooperate with us.

9.3 Subject to the remaining provisions of this clause 9, we will refund the amount of the Transaction (and any applicable fees) and restore the Available Balance to the level it would have been had the Transaction not taken place by the next Business Day after we become aware of an unauthorised or incorrectly executed Transaction, unless we have reasonable grounds for suspecting fraud.

9.4 We will not issue a refund in respect of an unauthorised Transaction if the unauthorised Transaction is a result of: (i) fraud committed by you; or (ii) your intentional or grossly negligent failure to comply with the security requirements in relation to the Card (as specified in clause 6 above).

9.5 No refunds will be issued unless you have promptly notified us of an unauthorised, unexecuted, or incorrectly executed payment transaction upon detecting it, and in any situation at the latest within 13 months from completing the Transaction in question.

9.6 You are responsible for unauthorised use of the Card, if the unauthorised use is due to the following reasons:
(a) You have surrendered the Security Details to an unauthorised person;
(b) You have neglected your obligations related to the use and safekeeping of the Card or Security Details due to carelessness; or
(c) You have failed to promptly notify us, according to these Terms, of the loss, unauthorised possession or use of the Card or Security Details.

In cases referred to in (b) and (c) above any refund issued by us would relate to the value of the unauthorised Transaction in excess of GBP 35. This limitation is not applicable, if you have acted intentionally or with gross negligence, in which case we will not issue any refund. However, this provision will not apply, and we will issue a full refund, if the Transaction was caused by acts or lack of action on our side (for example if we failed to block the Card after you notified Customer Services of its loss, theft or misappropriation).

9.7 If we have correctly processed a Transaction properly authorised by you but you decide to challenge the Transaction and request a refund, you should contact the merchant who took the payment. If they refuse to issue a refund, we may be able to raise the dispute with the Card Scheme and if your dispute is successful, the Card Scheme may issue a chargeback to Snap Finance. All chargeback requests will be handled by us in accordance with the rules of the applicable Card Scheme and we cannot guarantee that chargebacks will be issued. Unless we receive the chargeback sum from the Card Scheme, we will not be required to credit any chargebacks to Snap Finance.

9.8 If we refund or credit any chargeback to the Card in error, we will be entitled to claim the relevant amount back from the Card by deducting it from your Available Balance. We will notify you if we issue any refunds or chargebacks in error.

9.9 Any refunds received by Snap Finance in relation to the Card will reduce the amount of the Snap Loan used by you.

9. Unauthorised and disputed Transactions

10.1 We will be liable to you for any loss or damage caused to you as a result of our breach of these Terms or the Applicable Laws. However, other than as expressly stated elsewhere in these Terms, we will not be liable to you for any loss or damage which:
(a) is indirect (unless the indirect loss or damage is due to our negligence). Indirect loss or damage means loss or damage which is difficult to predict, something that is not a normal consequence of our non-compliance with these Terms, for example, loss of revenue or loss arising under another contract (not related to this Card product);
(b) was caused by third parties or events outside of our (or our agents’ or subcontractors’) control which we could not have avoided (for example, unavailability of the Card Scheme network, war or industrial action);
(c) was caused by your breach of these Terms or any Applicable Laws;
(d) was caused by any goods or services purchased using the Card, if any merchant refuses to accept the Card; or
(e) was caused by a declined Transaction due to insufficient Available Balance or termination or withdrawal of the Snap Loan.

10.2 Nothing in these Terms excludes or limits our liability for intentionally or with gross negligence failing to execute properly authorised Transactions or executing them incorrectly. Further, nothing in this Clause 10 affects remedies for unauthorised or incorrectly executed Transactions, as set out in Clause 9.

10.3 You will compensate us for any loss or damage we suffer (including any expenses and costs incurred by us, such as legal fees) as a result of your breach of these Terms (including if you have acted fraudulently, been negligent or have misused the Card or any of the services which we provide to you), if we have to enforce any provisions of these Terms against you (for example if you fail to pay us any sums due to us). You will remain liable even after this agreement is terminated.

10. Liability

11.1 We have the right to refuse to process a Transaction and/or suspend the Card in exceptional circumstances such as:
(a) we suspect the security of the Card has been compromised in any way or that the Card, or Security Details have been, or are likely to be, misused;
(b) if we have good reason to suspect that you are behaving fraudulently, you are involved in any unlawful or illegal activity (for example money laundering or terrorist financing), or you are using the Card for any other unlawful purpose;
(c) we are required to do so under Applicable Law or where we believe that continued use of the Card may be in breach of Applicable Law;
(d) your access to the User Interface has been suspended or terminated;
(e) if you commit a serious breach of these Terms (serious breach includes repeated breaches);
(f) if we have good reason to believe this is necessary for security reasons (for example any security issues affecting the User Interface or Card processing facilities);
(g) if any information provided by you is false or incomplete, or if you fail to provide us with information that we reasonably request from you;
(h) if we have asked you to pay us money you owe us under these Terms and you have failed to do so despite being reminded; or
(i) you have been declared bankrupt.

11.2 If it would not be in breach of Applicable Laws, we or Snap Finance will notify you before the Card is suspended, providing you with the reasons for the suspension. We will only re-activate the Card if we are satisfied that the reason(s) for suspension is/are no longer applicable. If we reasonably believe that the reasons for suspension cannot be rectified, we will have the right to terminate these Terms and cancel the Card in accordance with Clause 12.2.

11. Our suspension rights

12.1 The use of the Card is related strictly to accessing the Snap Loan (as explained in clause 3.2). Consequently, in the event the Snap Loan Agreement expires or is terminated for any reason, these Terms (and your right to use the Card) shall terminate automatically and without further notice.

12.2 We can also terminate these Terms on shorter notice (or without notice if Appliable Laws prevent us from making a notification) in the following exceptional circumstances:
(a) We are not permitted to process any Transactions under Applicable Laws;
(b) The account operated by us in connection with the Card is required to be closed under Applicable Laws;
(c) We reasonably believe that the Card is being used or is likely to be used in connection with a serious crime; or
(d) A Regulatory Authority requires us to terminate these Terms.

12.3 Termination of these Terms will mean that the Card is cancelled.

12.4 This agreement will terminate automatically on the Card expiry date.

12. Cancellation and termination

13.1 We are the data controller of your Personal Data associated with the application for and use of the Card and will collect certain information about the purchaser and the users of the Card in order to operate the Card Programme. Your provision of your Personal Data and our processing of that data is necessary for us to carry out our obligations under these Terms. If you fail to provide the Personal Data which we request, we may be unable to continue to provide our services to you and may refuse to accept the Card application or activation, or take steps to terminate these Terms.

13.2 By accepting these Terms, you give your explicit contractual consent for us to process your Personal Data to the extent necessary to issue the Card and provide payment services related to the Card (including processing and executing Card Transactions). This contractual consent is based on the Payment Services Regulations 2017. This clause is without prejudice to (i.e. it does not affect) our rights to otherwise process your Personal Data on the legal bases described in our Privacy Notice (available at: https://enfuce.com/privacy-and-data-protection/). We will manage and protect your Personal Data in accordance with all applicable data protection laws. For full and comprehensive information about when and why we collect personal information about you, how we use it and the conditions under which we may disclose it, please refer to our Privacy Notice which is provided to you at the time we collect your Personal Data and which is available on the following website: https://enfuce.com/privacy-and-data-protection/.

13. Data Protection

14.1 If we need to make any changes to these Terms, we will ask Snap Finance to notify you of the new Terms, or will contact you directly, at least two (2) months before we implement the changes (“Change Notice”).

14.2 If we need to introduce changes that are less favourable to you than the Terms to which you agreed when you applied for the Card, and you do not agree to such new Terms, you can notify Customer Service that you reject the proposed new Terms. You must notify Customer Service before the expiry of the Change Notice, i.e. before the date when we propose to implement the new Terms. If we do not hear from you before such date, we will assume that you have accepted the changes, and you will be deemed to have accepted the new Terms.

14.3 If you reject the new Terms, this will mean that you terminate this agreement and cancel the Card. You will not be charged anything for terminating this agreement in these circumstances

14. Amendments to these Terms

15.1 By accepting these Terms, you consent to and agree that this agreement and all information and notices relating to the services provided to you under this agreement are in the English language.

15.2 The English language version of these Terms will prevail over any other language version which we may issue from time to time.

15.3 All notices and communications between you and us will be in English. If we need to notify you of anything, we will normally communicate with you via Snap Finance. We may also use your email address or home address to send you any notifications or communications. You should send all notices or communications via User Interface or contact the Customer Services in the first instance. You are responsible for the costs imposed on you by your internet or telephone provider. If you need to send a notice or communication to us directly, you can do so by email at complaints@enfuce.com.

15.4 Nothing in these Terms will be interpreted as giving any third party any benefits or rights, including the right to enforce these Terms.

15.5 If any provision of these Terms (or part of any provision) is or becomes illegal, invalid or unenforceable, the legality, validity and enforceability of any other provision of these Terms will not be affected.

15.6 These Terms set out the entire agreement between you and us.

15. General

16.1 The Card Programme is managed by Snap Finance. Should you wish to contact us or complain about any aspect of our service please contact Customer Services.

16.2 If having received a response from the Customer Services team you are unhappy with the outcome you can escalate your complaint to us at complaintsuk@enfuce.com.

16.3 We will make every effort to reach a resolution to your complaint, if we are unable to resolve your issue to your satisfaction we will explain the reasoning behind our decision.

16.4 In the unlikely event that we are unable to resolve your issue you have the right to refer your complaint to the Financial Ombudsman Service (phone: 0800 023 4567, website: https://www.financial-ombudsman.org.uk/consumers/how-to-complain).

16. Complaints

17.1 These Terms and any disputes, which arise under it, will be exclusively governed and construed in accordance with the laws of England and Wales and subject to the exclusive jurisdiction of English courts or, the court of your place of permanent residence (in any other part of the United Kingdom). This clause does not affect any rights you may have under any mandatory local laws in the country of your residence.

17. Law and Jurisdiction

The Customer Service can be contacted via the methods below:
(a) By telephone on Business days between 08.30am and 5.30pm GMT (Monday to Friday) and 9.00am to 1.00pm GMT (Saturdays): +03300 109381
(b) By e-mail: customer@snapfinance.co.uk
(c) Webchat on the User Interface: www.snapfinance.co.uk or via the Snap Loan mobile application

Please note that we and the Programme Partner reserve the right, after having informed you at the time of the call, to monitor/record the conversations between you and Customer Services for quality assurance purposes.

1. Customer Services

2. Transaction and card fees

The maximum Card limits (balance, spend and withdrawals) will be agreed between the Cardholder and Programme Partner pursuant to the loan agreement between Cardholder and the Programme Partner and will be available in the User Interface. 

3. Card limits

Unless specifically stated otherwise, words and expressions in this Schedule have the same meaning and interpretation as defined in the Terms.