Terms and Conditions

General Terms and Conditions of Contract

As a user of this website, the individual using the site (“you”), acknowledge that any use of this website is subject to these terms and conditions. If you do not agree to be bound by these terms you may not use or access this website. Please ensure that you read these terms and conditions carefully before using this website.

1. UK Residents

The products and service promoted by, and the information provided on, this website are promoted and provided for the benefit of UK and Republic of Ireland (where applicable) residents only.

2. Use

This website is owned and operated by Creation Consumer Finance Ltd (the “Company”) and is provided by the Company on an as is basis without warranty, either express or implied, including, but not limited to, any warranty as to title or merchantability and fitness for a particular purpose to the fullest extent permitted by the law. Use of this website is subject to you both agreeing not to make or permit any unauthorised modifications to the website, and acknowledging the risk of such modification by unauthorised third parties. You may only download and print extracts of this website for your personal use but may not copy, reproduce, adapt, transmit or distribute any of the content of this website, or, remove or alter any copyright or other proprietary notices appearing on this website. If access to this website has been restricted by means of a password granted to you, you will not divulge this password to any other person without the prior consent of the Company.

3. Content

The Company reserves the right at any time without notice to change, revise or amend the content of this website, and to withdraw the products and services promoted by this website. Any such changes will take effect from date of posting on the website and it is your responsibility to read the Terms and Conditions each and every time you use the website. On certain web pages you will be directed to read important information which contains product details and/or regulatory and legal details which should be read in conjunction with the requisite products and web pages.

4. Intellectual Property

 Nothing in these terms shall operate to grant to you any intellectual property rights or goodwill in any of the content of this website, including without limitation any trade and service marks, trade or business names, domain names, design rights, copyright, moral rights, database rights (whether or not any of these is registered), know-how, confidential information and trade secrets used and employed.

5. Confidentiality

 You shall use your best endeavours to preserve the confidentiality of any information identified by the Company prior to disclosure to you as confidential or proprietary information.

6. Liability and Indemnity

6.(i) To the fullest extent permitted by the law, neither the Company nor any of its directors, employees or agents shall be liable for: a) any direct, indirect, consequential, special or other damage howsoever resulting from your use of this website; b) any inaccuracies or typographical errors in the content of this website or interruptions howsoever caused in its use; c) any detrimental reliance by you either on the content of this website or its suitability for your purposes; d) any viruses, worms or other items of a destructive nature downloaded or otherwise received from this website; any modifications or corruptions arising from any unauthorised third party access to this website; e) the content of any website which may be accessed through or linked through to from this website over which the company does not exercise any control whether financial, editorial or of any other kind. In no event shall the total liability of the Company to you for all or any loss or damage incurred by you exceed the total amount paid by you, if any, to the Company for access to and use of this website.

 6(ii) You will indemnify the Company as is reasonable in the circumstances if a third party makes a claim against the Company based on any actual or alleged: a) negligent or wilful acts or omissions committed by you or persons authorised by you; b) failure by you or persons authorised by you to comply with all or any legislation or government regulation governing this website or its use; c) infringement by you or persons authorised by you of any intellectual property rights in any of the content of this website.

7. Exclusion

 Nothing on this website is intended to constitute an offer or solicitation of lending or insurance services or an offer to buy or sell products or services.

8. Fixed Sum Credit (Finance)

8.1 Written quotations are available on request from the Company by contacting Creation Consumer Finance Ltd, 6th Floor, Royston House, 34 Upper Queens Street, Belfast, BT1 6FD. Finance is subject to status and to minimum age requirements. Applicants must be a resident in the UK. Terms and Conditions apply.

8.2 The Company reserves the right to decline any applicant for finance

8.3 If electronic submission of your details is required you may receive an automated acknowledgement to confirm that your application has been received and is being processed. Any such communication is purely for acknowledgement purposes and shall not amount to offer and acceptance from the Company to provide you with any product or service.

 8.4 In relation to all or any information submitted by you as part of an application for finance, the Company observes a strict duty of confidentiality about your financial affairs. The Company will not disclose details of your accounts or your name and address to anyone else other than to any confidentially appointed agents acting on its behalf, except in the four cases permitted by law, these are: Where the Company is legally compelled to do so; or Where there is a duty to the public to disclose; or Where the Company's legitimate interests required disclosure; or Where disclosure is made at your request or with your consent.

8.5 Formalities include the use of credit reference agencies who will note that an enquiry has been made about you. If you borrow and do not repay in full within the agreed credit terms, credit reference agencies may be advised and will note the outstanding debt. This may affect any future applications for credit facilities through the Company or other lenders.

9. Privacy Policy

9.1 The Company want the website to be informative, interesting and easy to use and cookies help to achieve this. The cookies used do not store personally identifiable information nor will they harm your computer.

9.2 What are cookies? Cookies are small text files that are sent to and stored on your computer, smartphone or any other device that may be used to access the internet, whenever you visit a website. Some of the functions that cookies perform can be done by other similar technologies and when reference to cookies mean these other similar technologies as well.

 9.3 How do we use cookies? Cookies helps the Company to understand and track your use of its website so that the Company can customise and improve the information provided. The Company also use cookies to allow our website users to navigate between different pages quickly and efficiently, verify the user and carry out other essential checks. The Company may also use cookies to gather information on IP addresses, to analyse trends, administer its website and gather broad demographic information for aggregate use. IP addresses are not linked to other personally identifiable information and will not be used to deliver targeted or untargeted marketing messages and the Company does not store personally identifiable information. The Company may also capture demographic information using data from Google’s internet-based advertising or 3rd party audience data (such as age, gender and interests) with Google Analytics, to improve user experience.

9.4 What cookies are used? Persistent and session cookies are used. Persistent cookies are used to allow the website to recognise you when you return to the Company’s website and to remember certain information about your preferences. These cookies stay on your device for a set period of time or sometimes permanently until you delete them. Session cookies are used to enable information to be carried across pages of our website without the need for you to re-enter such information. These cookies are automatically deleted whenever you leave the website or close your browser. The Company uses analytic cookies to make its website better to understand what works best for you when you are on the Company’s website. We also use performance cookies that recognise and count the number of visitors on the website and how visitors move around them. The information used is aggregated so the Company cannot identify you from it.

9.5 How you can manage cookies The browsers of most computers, smartphones and other devices are generally set up to accept cookies. You can change your computer, smartphone or other device cookie setting by activating the relevant setting on your browser. You should remember this could affect how websites work should you change your cookie setting.

10. Law

These terms shall be governed by and construed in accordance with the laws of the England and Wales.

11. Verification and Further Information

 Any of the products and services promoted by/or the information provided on this website may be verified, or further information obtained, by telephoning the Company at 0371 402 8905. Calls may be recorded. Calls charged at basic rate. The number provided may be included as part of any inclusive call minutes provided by your phone operator.

12. How we use your Information

Your information may be shared with affiliated companies or anyone who introduced you to us including any insurers of your obligations under this agreement and maybe used by us to manage the provision of products and services requested by now or in the future. We or they may send you, telephone you or email you about services and products and/or services of carefully selected third parties, which we feel from the information we hold about you may interest you. If you would prefer not to receive such information please write to us at Creation Consumer Finance Limited Marketing Department, 6th Floor Royston House, 34 Upper Queen Street, Belfast BT1 6FD. We retain your information for up to 6 years for the purpose of sending you such information.

13. Miscellaneous

 13(i) If any section of the terms and conditions is held by any competent authority to be invalid and/or unenforceable in whole or part, the validity and enforceability of the other sections shall not be affected.

13(ii) These terms and conditions including the documents or other sources referred to in these terms and conditions supersede all prior representations, understandings and agreements between you and the company relating to the use of this website and sets forth the entire agreement and understanding between you and the company for your use of the website.

About us

Creation Consumer Finance Limited (Creation) has been providing consumer credit products for over a decade. Creation is part of the LaSer Group, one of Europe's largest loyalty and affinity companies. LaSer has been at the heart of retail, spending and financial services for the last 40 years. Creation Consumer Finance Limited is authorised and regulated by the Financial Conduct Authority ( FRN Number: 311518). The status can be checked on the Financial Conduct Authority’s website (http://www.fca.org.uk/) or by calling 0800 111 6768. Finance is provided by Creation Consumer Finance Limited, 6th Floor Royston House, 34 Upper Queen Street, Belfast, BT1 6FD.

Accessibility

At Creation, we understand the importance of providing a website that is usable for all customers. With this in mind, we have designed this site to be simple and easy to use. We continually review our site to make sure that we are following best practice and that our standards for accessibility remain high. Our website has been designed to be viewable on an 800 x 600 screen. We ensure that the navigation is consistent and working, throughout the site. We do not use Flash images anywhere on the site. All images have descriptive Alt text. We use standard web fonts to make the site easy to read.