How safe are my transactions?

K&Co takes the security of your details very seriously. We use industry standard encryption methods to deter would-be hackers. 'Encryption' turns your information into a special code that only K&Co computers can unscramble.

What information do you collect about me and why?

Shop Direct Home Shopping Limited ("Shop Direct") provides your goods. Shop Direct Finance Company Limited ("SDFC") provides credit, subject to status, and arranges other financial services products. Both Shop Direct and SDFC are members of the Shop Direct group of companies ("the Group Company/Companies"). Solution Personal Finance Limited (which is a joint venture with SDFC) and Home Shopping Personal Finance Limited (which is a joint venture with Shop Direct Financial Services Limited, another Group Company) and any undertakings within those joint ventures and other joint ventures that we may enter into from time to time, may also offer you other credit facilities, subject to status, and/or financial services products. By giving information to Shop Direct and SDFC, you agree that it will be shared with Group Companies.

How we will use your information

Shop Direct and SDFC may use your personal information as follows:

• To process your payments.
• To fulfil your order and administer your account.
• To pass information about you to agents, service providers and employees to carry out services. In the course of providing such services, we may transfer your personal information outside of the European Economic Area. We will employ appropriate security measures to protect your personal information where this is the case.
• To disclose information about you to any relevant regulator if they require it or to anyone else if there is a legal duty to do so.
• To run any prize draw or competition you may enter.
• The information held about you, but not information held at credit reference agencies, may also be used to analyse your shopping preferences as part of Shop Direct's and SDFC' marketing programmes. This may help them to select and tailor products, services or special discounts and to inform you about any of those we think you will be interested to hear about. This information may also be incorporated into our staff training programmes.
• To send you brochures, leaflets, catalogues and other promotional material for our products and services. We may also telephone or email you to discuss account details or for market or service research. In addition, we may include leaflets or brochures for complementary products or services from third parties with our statements and parcels.
• Shop Direct or SDFC may pass your personal information to carefully selected third parties to use for marketing. Shop Direct, SDFC, a Group Company or third party partners may contact you by mail, telephone, e-mail, text message or any other reasonable method. If you do not wish to be contacted by third parties in this way, or you do not want Shop Direct or SDFC or a Group Company to contact you for their marketing or if you have any queries about data protection, please call freephone 08448 111 800.
• Shop Direct, SDFC or a Group Company may monitor or record telephone conversations with you to ensure consistent services levels, to prevent or detect fraud and for training purposes.
• Shop Direct and SDFC may also pass your information to other Group Companies, and to third parties, for debtor tracing and debt recovery purposes.

• If you apply for credit SDFC will search your record at a credit reference agency or agencies who will supply SDFC with credit information as well as information from the electoral register. SDFC will use credit scoring methods to assess your application and to verify your identity. Credit searches and other information which is provided to SDFC and/or the credit reference agencies about you and those with whom you are financially linked may be used by SDFC and other companies if credit decisions are made about you or other members of your household. You are linked with another individual if you make a joint credit application or run a joint credit account with them. Even if your application goes no further, the credit reference agencies will add details of this search and your application to your record.
• In assessing you for credit and to manage your account SDFC may also use any information which a Group Company already holds about you.
• SDFC will search your records with the credit reference agencies so they can manage your account and take further decisions about credit. These searches will not be available to other lenders for credit assessment purposes.
• If SDFC enters into a credit agreement with you they will also add details of your agreement as well as ongoing details of your account and how you manage it to credit reference agency records. If you do not repay on time or in full they will tell the credit reference agencies who will record details of the debt. All this information will be seen by other organisations carrying out later searches and SDFC may also share it directly with the Group companies. The information may be used to assess you for credit or to verify your identity.

For everyone's protection, we check the details of every first order with the fraud prevention agencies and these checks may be repeated with future orders. The Group Companies may also use the information you have given, or which the Group Companies already holds about you.

If false or inaccurate information is provided and fraud is identified, details will be passed to fraud prevention agencies.

Law enforcement agencies may access and use this information.

We and other organisations may access and use this information to prevent fraud and money laundering, for example, when:

• Checking details on applications for credit and credit related or other facilities;
• Managing credit and credit related accounts or facilities;
• Recovering debt;
• Checking details on proposals and claims for all types of insurance;
• Checking details of job applicants and employees

We and other organisations may also access and use from other countries the information recorded by fraud prevention agencies.

Please telephone freephone 0800 092 9054 if you want to have details of those credit reference and fraud prevention agencies from whom SDFC obtains and to whom SDFC gives information about you. You have a legal right to these details. SDFC, credit reference and fraud prevention agencies and other home shopping traders may also use the records for statistical analysis about credit, insurance and fraud.

Shop Direct and SDFC may use automated decision making systems when assessing you for credit and for fraud prevention.

Insurance Policies, Extended Guarantees and Shopping Insurance

Your insurance policy or service plan will be set up by SDFC. Your information may be used as detailed above and may also be passed to insurers (for insurance applications only), service plan providers (in both cases for administration purposes) and relevant regulators.

How to contact us

If you have any queries about how we use your information or on data protection generally please contact us at the Data Protection Unit, Park Lane, Netherton, Liverpool L72 1LQ.

A full list of Group Companies who may receive your information is available from the Data Protection Unit at the above address.

Shop Direct Finance Company Limited, registered number: 4660974 is authorised and regulated by the Financial Services Authority in respect of arranging insurance products. Registered office: Aintree Innovation Centre, Park Lane, Netherton, Bootle, Liverpool L30 1SL. Shop Direct Home Shopping Limited. Registered number: 4663281. Registered office: First Floor, Skyways House, Speke Road, Speke, Liverpool L70 1AB.

From Telemarketing

We, or selected third parties, may telephone you to tell you about special offers or for market research and customer care purposes. If you do not want to receive such calls please write to the Data Protection Unit, K&Co, Park Lane, Netherton, Liverpool, L72 1LE stating your wish to be removed from the telephone mailing list. Please clearly state whether you wish to be removed from K&Co communications, communications from third parties, or both.

From Email

If you do not want to receive emails from K&Co, or selected third parties, please write to the Data Protection Unit, K&Co, Park Lane, Netherton, Liverpool, L72 1LE and state your wish to be removed from the email list. Please clearly state whether you wish to be removed from K&Co communications, communications from third parties, or both.

From Direct Mail

If you do not want to receive mailings from K&Co, or selected third parties, please write to the Data Protection Unit, K&Co, Park Lane, Netherton, Liverpool, L72 1LE and state your wish to be removed from the direct mailing list. Please clearly state whether you wish to be removed from K&Co communications, communications from third parties, or both.

Please note:

Requests not received in the specific format indicated, are in danger of being misdirected. We reserve the right for our customer advisors to contact you regarding your account where necessary.

How long will it take before I stop receiving communications?

For promotional emails and Telemarketing please allow up to 28 days to for us to process your request. For Direct Mail please allow up to 2-3 months.

Do you use cookies, and why?

In order that we can monitor and improve the site, we may gather certain information about you when you use it, including details of your domain name and IP (Internet Provider) address, operating system and browser.

A cookie is an element of data that a web site can send to your browser, which may then store it on your system. Cookies allow us to understand how you browse, search and navigate our website and which products, pages and advertisements you have viewed. We use cookies to make our web site more user friendly to give you a better experience when you return to our web site by, for example, allowing us to save your password so that you do not have to re-enter it every time you visit and to target our marketing promotions to you.

By using cookies, we can see the products and services you are interested in when you browse our website. If you subsequently view certain selected third party websites, we can provide advertisements relating to those products and services that you are interested in. This service is provided to us by a company called Criteo. Criteo do not obtain any personal information about you. For further information on this service or to opt out of receiving such personalised advertisements please click here. You will also be able to opt out of receiving further advertisements in the future by clicking on the bottom right hand corner of any advertisement you receive and following the instructions.

Cookies are used to enable you to make purchases and store items in your basket whilst on the site. Please note, if your browser is set to reject cookies then unfortunately you will not be able to shop from our website. Most web browsers automatically accept cookies. You do not have to accept cookies, and you should read the information that came with your browser software to see how you can set up your browser to notify you when you receive a cookie. This will give you the opportunity to decide whether to accept it or not. We may also use cookies to provide you with customised information from our web site.

For further information about cookies and how they are used, please visit www.aboutcookies.org .

Credit provided subject to status by Shop Direct Finance Company Limited. Registered number 4660974. Registered office: Aintree Innovation Centre, Park Lane, Netherton, Bootle, L30 1SL. Authorised and regulated by the Financial Services Authority in respect of insurance mediation activities only. Goods/services provided by Shop Direct Home Shopping Limited. Registered number 4663281. Registered office: 1st Floor, Skyways House, Speke Road, Speke Liverpool, L70 1AB.

These Terms and Conditions are applicable every time you access our website and/or order goods from our website. Please note that these Terms and Conditions also incorporate the following sections which we advise that you read:

Before proceeding with an order you will be required to show that you have read and understood the following terms and conditions. We recommend that you print a copy of these Terms and Conditions for your future reference.

1. Ownership

1.1 This site is owned and operated by Shop Direct Home Shopping Limited. Our registered office is 1st Floor, Skyways House, Speke Road, Speke, Liverpool, L70 1AB.

1.2 All rights in this website are owned by us. Any unauthorised use, copying or modification is prohibited.

2. Ordering Goods

2.1 All orders placed through our website will be subject to our acceptance of the order.

2.2 When you submit an order to us on our website you will receive a 'bounce back' confirmatory email of this order saying that we are processing your order. You will then receive a second email from us acknowledging your order and giving you estimated timescales for delivery. You should check both emails for accuracy and let us know immediately if there are any errors. Neither of these emails constitute acceptance of the order by us. Your order will be accepted by us (and a contract will then be formed between us) when we despatch the goods to you. Title to the goods will pass to you on delivery.

2.3 Promotional codes are codes that enable customers to obtain benefits such as discounts, free delivery and free gifts. These codes are non-transferable so may only be used by the person to whom they are issued and must only be used in accordance with their terms and conditions of use. If you use a promotional code to claim a promotional benefit, you must first check that it was issued to you and that you are eligible to use it. By using it to claim a promotional benefit you will be confirming that:-

1. you are entitled to use the code;
2. you meet all the conditions that apply to its use;
3. you agree to the terms set out below.

If, before accepting your order, we find that you are not entitled to use the code or do not meet all the terms and conditions of its use, we may reject your order or alternatively process it without the promotional benefit being applied. If, after accepting your order, we find that you were not entitled to use the code or did not meet all the terms and conditions of its use, we may reverse the benefit that you obtained. If you transacted on a cash basis e.g. by debit or credit card, we may take a further payment, equivalent to the value of the benefit obtained, from the card used. If you transacted on a credit basis, the value of the benefit obtained may be charged to your credit account.

2.4 Should you wish to cancel your order or return any goods, please go to the Returns section for further information.

2.5 Please note, unless you are registered with us as an agent, you are responsible for all purchases made on your account and are personally liable for the full outstanding balance. From 7/01/2011, agents may not recruit or place orders for new customers. Agents will be personally liable for any such orders placed.

3. Processing your orders and payment

3.1 If you are paying for your order through your K&Co Catalogue account, the relevant payment will be shown on your next statement.

3.2 Whilst it is our intention to keep our website up to date and error free, product description or pricing errors may occur. If we discover such an error after you have submitted an order to us, we will contact you prior to accepting your order with the correct details. You may then either cancel your order or re-confirm it based on the correct information. If we are unable to contact you, we will treat your order as cancelled.

3.3 All prices shown on our website are inclusive of VAT. Delivery charges are clearly highlighted throughout the site. For further information on delivery charges see the Delivery section.

4. Delivery

4.1 Some postal addresses in Northern Ireland, some offshore islands and some remote areas of Great Britain may not be covered by our delivery services and we may not be able to arrange delivery of some items to such addresses. You will be notified of this when you place your order.

4.2 Whilst we make every effort to deliver goods on the day we specify, we cannot guarantee delivery on that day or accept liability for deliveries made outside this timescale. This also applies to products sent direct from our manufacturers. We cannot accept liability for out of pocket expenses or other costs incurred due to failed or delayed deliveries.

4.3 All items are subject to stock availability.

4.4 When we deliver your items to you may be asked to sign for the goods to acknowledge that you have received them.

4.5 Please note that if you wish to return goods under our Approval guarantee, you have 21 days from receipt of the goods to return them to us. For further information on returns and exceptions to our home approval guarantee please see the Returns section.

4.6 If an item is faulty please contact us and we will arrange an appropriate remedy.

5. Privacy Policy

Please make sure that you have read and understood our Privacy Policy which explains how we safeguard any data which you provide to us in order for us to fulfil your online order.

6. General

6.1 The use of our site and any contracts formed are governed by English law. Overseas orders will not be accepted.

6.2 All products are sold on the basis that they are for personal, domestic use only.

6.3 We shall not be responsible to you whether in contract, tort (including negligence) or otherwise for incidental, special, indirect or consequential loss or damage, any loss of profit (direct or indirect), loss of sales, loss of goodwill or reputation, loss of business, third party claims, pure economic loss arising out of or in connection of the performance or non performance of our obligations under these terms and conditions including such damage as may be reasonably foreseeable at the date you order the goods.

6.4 Nothing in these terms and conditions shall exclude or restrict our liability for death or personal injury caused by our negligence.

6.5 Our liability for any claim for loss or damage shall be limited to the sum paid by you for the goods.

6.6 A person who is not a party to these terms and conditions shall have no right to enforce any term under the Contracts (Rights of Third Parties) Act 1999.

6.7 If any provision of these terms and conditions is found to be invalid or unenforceable by a court the invalidity or unenforceability of such provision shall not affect the other provisions of these terms and conditions.

6.8 We may assign or transfer any of our rights or sub contract any of our obligations under these terms and conditions to any third party.

6.9 You may not assign or transfer any of your rights or sub contract any of your obligations under these terms and conditions except with our specific permission in writing.

6.10 We reserve the right to change these terms and conditions from time to time and any such changes will be communicated on our website.

6.11 There are links on our website to third party websites which we believe may be of interest to you. We do not have any control over the content of these websites nor can we be liable in respect of anything contained on these websites.

6.12 These terms and conditions govern the entire trading relationship between you and ourselves and will remain in force for the duration of our trading relationship.

6.13 All intellectual property rights (including use of trade marks) shall be solely owned by us. You are permitted only to use material on this website as expressly authorised by us or our licensors.

6.14 Any unauthorised use of material on this site is strictly prohibited.

6.15 We will use reasonable endeavours to verify the accuracy of any product or pricing information which we place on the site but we make no warranties (whether express or implied) in relation to the accuracy of such information).

6.16 We may close your account or terminate our trading relationship by giving you notice of at least seven (7) days. This does not affect your obligation to repay any amounts you owe to us.

6.17 These Terms and Conditions supersede all previous Terms and Conditions, representations, undertakings and agreements. (Updated October 2005).

7. Copyright

7.1 We are the operators of this website, and the contents of it are either our property (or that of our affiliated companies) or are used under licence from our suppliers. We are the owners of the compilation of information in this website.

7.2 Our rights, and those of our affiliates and suppliers, are protected by UK, European, and International intellectual property laws, including those for the protection of copyrights, trademarks, and database rights. Misuse of this website may incur civil liability or attract criminal sanctions.

7.3 We grant you a limited, non-exclusive and revocable licence to access our website for the purposes of browsing our (or our affiliates) product offer(s), ordering goods or services from us (or our affiliates), or obtaining contact information for us (or our affiliates).

7.4 Your licence to access our website does not extend to any commercial use of our website, or to any use of our website whatsoever which is for the benefit of any commercial entity other than us (or our affiliates).

7.5 You are expressly not permitted to download any part of our site (other than by reason of automatic page caching), to amend or modify it or any part of it, to reproduce or copy, sell (including any resale), or otherwise exploit our website (or any part of it) for any purpose other than as set out above, nor are you permitted to frame our website or to link to any element of it other than the homepage.

7.6 You are permitted to link to our homepage, provided that the link is not misleading, false, derogatory, or otherwise prejudicial to our (or our affiliates) suppliers interests, but you are expressly not permitted to use any of our logos or graphics either as or in connection with such a link.

Order Acceptance

Your order will be accepted by us, and a contract will then be formed between us, when we despatch the goods to you.

Getting the most from your account

Here is an explanation of key features that you will need to understand to make the most of your credit account.

In addition to this you will receive an information sheet that summarises the main terms of the account.

Please read the information sheet together with this [document] before you complete your account agreement with us. You should also read the agreement carefully before you sign it.

If you have any questions or require further information on any aspect of your account, please email us on creditagreements@shopdirect.com or call us on 0844 822 8000*.

Spread the cost with affordable payments

Your account is to be used to buy products and services from us, or other businesses we deal with, through our catalogues and websites.

By adding any purchase to your account you can spread the cost over 20 weeks interest free.

We also offer longer payment terms, from 24 weeks to 364 weeks on selected items and transactions to make the payments for larger purchases more affordable. These longer payment terms can either be interest free or interest bearing. We will advise you at the time of purchase.

Buy now pay later

We regularly offer buy now pay later promotions (BNPL) and display details of these in our catalogues, on our websites and in our advertising.

To make the most of our BNPL offers, it is important that you understand how and when we charge interest on them.

You can avoid paying interest on any BNPL promotion if you choose to pay the full price of the relevant purchase and tell us you are doing so by calling 0844 822 8000* before the end of the deferred period or go online via My Account and target a payment specifically to your BNPL purchase. The payment must clear the BNPL purchase in full by the due date shown on your statement.

The alternative to paying off your purchase in full is to spread the cost at the end of the deferred period. Some BNPL purchases may not incur interest during the deferred period. However, if the purchase does attract interest during the deferred period it will be charged from the date of the purchase.

Your statement

You will receive a statement every 4 weeks, which will list your purchases, payments and returns during that 4 week statement period and tell you what your next minimum payment will be.

You must make at least the minimum payment by the date shown, which is currently 20 days after the date of the statement.

Your minimum payment will depend on the period over which you decide to purchase, and for longer payment terms, the interest rate that applies. It will include one fifth of the outstanding balance for each of your purchases made on 20 week interest free terms. If you buy using our longer interest free terms the minimum payment will also include an amount equal to the cost of the goods divided by the number of statement periods in the selected repayment term.

For instance, for purchases over 52 weeks, it will be the price of the goods divided by 13. For purchases on interest bearing terms, we calculate the full interest which will be payable over the chosen repayment term and add this to the cost of the goods. We then divide this total by the number of statement periods in the chosen term to produce the minimum payment for those purchases.

Finally, your minimum payment will include any service charges (such as payment service charges, insurance premiums and any administration or default charges) applied to the account in that period.

We apply each payment to the different balances and transactions on your account in a particular order. As there are so many options on our account, there are a number of stages and permutations in how we do this. Full details are contained in the information sheet we send you and in the agreement.

We do have a right to vary the terms of the agreement, including interest rates, the payment due date and the way the minimum payment is calculated. We will give you advance notice of any change which isn’t to your benefit, so you can pay off the balance before it takes effect if you are unhappy.

What to do if you can’t make a payment

It is important you pay each minimum payment when it is due. If you don’t you will incur account charges. Details of these are set out in the information sheet and agreement. We know you don’t expect to miss any payments but sometimes things don’t go to plan, and we don’t want these charges to be a surprise if you do have a problem.

If you do ever think you will have a problem in making payments then please contact our team on 0844 822 8000*. They understand that people can have difficulties from time to time and can help with a plan to deal with them.

It is especially important that you contact us early, as missing payments can have serious consequences, such as the transfer of an account to a debt collection agency or legal proceedings being taken. It may also affect your credit rating and make credit harder to obtain in future.

Changing your mind about your credit agreement

You can decide not to go ahead with the credit application at any time until the agreement is made, and even after the credit agreement has been made you’ll still have time to change your mind and withdraw. You get 14 days to withdraw beginning the day after the agreement is made. We treat the agreement as made when you sign it, or 14 days after you first take delivery of goods you have ordered and asked us to finance , if sooner. If you do decide to change your mind you should tell us as soon as possible by calling us on 0844 822 8000* or writing to Credit Support Team, Sandringham House, Sandringham Avenue, Chelmsford, CM92 1LE, or e-mailing creditagreements@shopdirect.com.

If you do withdraw after the agreement is made you will have to pay back any monies you have borrowed and all interest without delay, (within 30 days of withdrawing at the latest). If you cancel your application or with from the agreement, you’ll have to use other ways to pay for any goods that you have received (such as debit or credit card), unless you still have a legal right to send the goods back. Usually this will only be the case if either they are still covered by a home approval guarantee, or by statutory distance selling rights. You can find Information on these rights in our catalogues or website.

Shop Direct Finance Company Limited is a member of The Finance & Leasing Association (FLA), and subscribe to The FLA Lending Code. For more information on the Lending Code please visit www.fla.org.uk.

Administration Charges

If you fall behind with your payments, we reserve the right to impose a charge to cover the cost of any action we may take. We will be entitled to debit your account with any costs incurred by us in respect of any missed or insufficient payment, including but not limited to dishonoured cheques, failed direct debit requests and recharged card payments. Payments received will be applied first in payment of insurance, interest and other charges as shown on the last statement and thereafter in the reduction of the current balance.

Administration Charges:
• Terms Transfer – We will charge the equivalent to the first 4 weekly payment due on the new plan.
• Supply of additional copy statement - £5
• Immediate credit file update at your request - £5
• Letter confirming clearance of your debt at your request - £12

Default Charges - Charges are payable by you in respect of the following matters:
• If you make a payment via Paypoint or the Post Office - £1
• If you make payment by cheque – 25p
• You fail to make at least the minimum payment by the payment due date - £12
• For any letters, telephone calls or other (other than home visits) debt collection activity we undertake - £12
• Home visit during debt collection activity - £32
• For any debt collection activity we undertake - £12
• Debtor Trace - £25
• Any cheque, direct debit or other item for payment into your account that is unpaid or dishonoured - £15
• Temporary payment arrangement letter fee - £12
• Transfer of your debt to a debt collection agency - £25
• Any court fees & costs incurred by us in pursuit of arrears

With Shop Direct Finance Company Limited, whose registered office is at Aintree Innovation Centre, Park Lane, Netherton, Bootle L30 1SL (the Creditor) and you.

Key features

1. Credit Limit: You will be notified of a credit limit upon successful application.
2. The credit under this agreement is running account credit and is to be used by you to purchase goods/services from retailers, outlets and brands agreed by us from time to time. We may debit your account on each occasion upon which you provide us with authority to do so, including verbal authority. This agreement is open ended and does not have a fixed duration.
3. You will be sent a statement every 28 days. The minimum payment due date will be shown on your statement and will be 20 days after the date of your statement.
4. Unless we notify you to the contrary, the cost of all goods purchased or transactions using the account may be repaid over 20 weeks. In addition, the option of repaying over longer periods on extended plans will apply to selected goods or transactions as notified to you from time to time.
5. The minimum payment due for each 4 week statement period will be shown on each statement. This minimum payment will be the total of all the individual paymentsthe minimum payment applicable to all purchases over 20 weeks (calculated as described at 6 below) and the individual payments applicable to all purchases on extended plans (calculated as described at 6 below), plus any service charges (such as express delivery charges, payment service charges, insurance premiums and any administration or default charges described below) charged to your account in that statement period.
6. The minimum payment due for all purchases over 20 weeks and extended plans will be the total amount payable (including interest) under the relevant plan divided by the number of 4 week periods in the plan (e.g. divided by 5 for a 20 week purchase or 13 for a 52 week plan).
7. If you wish you may pay weekly. If you do so the total payments made by you in each 4 week period, ending on the date on which the minimum payment shown on your statement is due, must equal that minimum payment.
8. For certain items we may ask you to make an additional payment to your account in relation to that item. This additional payment will not increase the price of the purchase. If this requirement applies we will determine and notify you of the amount and timing of the payment when you order the item.
9. Allocation of payments: Any payments made under this agreement will be applied in the following order. We may change this order for specific promotions and if we do so we will tell you when we give you details of the promotion:
   All payments will be applied firstly in the following order;
   1. Any Payment Protection Insurance premiums and then other insurance premiums (including, first, any arrears).
   2. Any default charges and then any other charges (including, first, any arrears).
   3. Any other arrears or overdue sums on the account.
   If you have paid less than the minimum payment, we will then;
   • 4. Repay items on 20 week purchases, and if there are more than one item, we will apply to the oldest item first.
   • 5. Repay the shortest of your extended plans. If you have more than one plan of the same duration, we will apply payments to the plan with the highest interest rate first, and if there are more than one plan of equal duration and equal interest rate, we will apply payment to the oldest plan first; or
   If you have paid exactly the minimum payment, we will then;
   • 4. Repay the part of the total minimum due in respect of 20 week purchases and the part of the total payment due in respect of extended plans pro rata; or
   If you have paid more than the minimum payment, we will then;
   • 4. Repay the part of the total minimum due in respect of 20 week purchases and the part of the total payment due in respect of extended plans pro rata.
   • 5. Repay items on 20 week purchases, and if there are more than one item, we will apply to the oldest item first.
   • 6. Repay the shortest of your extended plans. If you have more than one plan of the same duration, we will apply payments to the plan with the highest interest rate first, and if there are more than one plan of equal duration and equal interest rate, we will apply payment to the oldest plan first.
   • 7. If you make a payment that is more than the full balance for all items (including new purchases) which have been charged to the account, and also have Buy Now Pay Later (BNPL) items which have not yet been charged to the account, we will apply the excess payment towards those BNPL items, starting with the item which will next become due.
   If you have more than one agreement with us, then unless you notify us to the contrary, we may appropriate any payments received from you to sums due under this agreement or under any other agreement you have with us as we decide.
10. Total amount you will have to pay – Will be provided upon successful application. - Assuming you draw down your full credit limit in a single transaction and purchase over 20 weeks at 0% APR.

Costs of the credit

APR 0%

Interest Rates: In addition to drawing down to purchase items over 20 weeks at the standard rate of 0% we will from time to time offer different ways to drawdown to allow purchases to be repaid on extended plans over longer periods at different rates of interest. These extended plan periods may range from 24 weeks to 364 weeks, depending om the items purchased. We will advertise the length of the extended plan offered for specific purchases. The interest rates applicable to you to drawdowns on these extended plans will be notified to you, depending on you chosen plan and item purchased and currently are;-

• On plans ranging from 24 weeks to 256 weeks 0% per annum, and any other interest rates will allocated upon successful account application and will be subject to account status.
• On plans ranging from 260 weeks to 364 weeks 0% per annum, and any other interest rates will allocated upon successful account application and will be subject to account status.

Rates quoted are on an annual percentage rate basis.
We may vary any one or more of these interest rates by giving at least 30 days notice under clause 19 below under Further Terms and Conditions.
We may introduce additional promotions on extended plans and will advertise the available interest rates and periods, and the items or transactions to which they apply, in such a way as we consider appropriate.
When an extended plan is interest bearing (including BNPL) the total amount of interest payable under that plan will be charged to the account in full on the date the purchase or transaction is charged.

Buy Now Pay Later (BNPL) Purchases: Selected purchases may be available on one of the following BNPL offers as published from time to time:

• 13.1 No interest during deferred period: The BNPL Transaction (cash balance plus interest for the repayment period only) will be charged to your account on the first statement for which the payment due date occurs after the end of the deferred period. Once it is charged it will be shown as part of the current balance and will become liable for interest and payment. Interest will be calculated at the interest rate applicable to the specific BNPL promotion for the duration of the repayment period of the applicable extended plan, but not for the deferred period prior to the commencement of the repayment period of the applicable extended plan.
• 13.2 Interest accruing during deferred period: The BNPL Transaction (cash plues interest for the deferred and repayment periods) will be charged to your account on the first statement for which the payment due date occurs after the end of the deferred period. Once it is charged it will be shown as part of the current balance and will become liable for interest and payment. Interest will be calculated at the interest rate applicable to the specific BNPL promotion from the date of purchase and will therefore be charged for the duration of the deferred period plus the repayment period applicable to the extended plan.
For all BNPL purchases, if you pay the cash price of your BNPL purchase before the expiry of the deferred period you will not be required to pay any interest on the BNPL purchase. The total amount (including interest) owing under a BNPL purchase will be deducted from your credit limit when we calculate the amount you have left to spend.

We may from time to time allow you or offer you the option to transfer purchases or balances between 20 weeks, extended plans, BNPL and promotional offers. A charge may be payable for a transfer, in accordance with clause 15.

Administration charges are payable by you in respect of the following matters:

• Terms Transfer (clause 14) – We will charge the equivalent to the first 4 weekly payment due on the new plan.
• Supply of additional copy statement – £5
• Immediate credit file update at your request – £5
• Letter confirming clearance of your debt at your request – £12
• If you make a payment via Paypoint or the Post Office – £1
• If you make payment by cheque – 25p
• You fail to make at least the minimum payment by the payment due date - £12
• For any letters, telephone calls or other (other than home visits) debt collection activity we undertake - £12
• Home visit during debt collection activity - £32
• Debtor trace - £25
• Any cheque, direct debit or other item for payment into your account that is unpaid or dishonoured - £15
• Temporary payment arrangement letter fee - £12
• Transfer of your debt to a debt collection agency - £25
• Any court fees & costs incurred by us in pursuit of arrears.

We reserve the right to vary these (or introduce new charges) at any time in accordance with clause 19 below under Further Terms and Conditions.

Missing payments could have severe consequences, such as court proceedings being taken and judgement being enforced against you. It may make obtaining credit more difficult. We may also transfer your account to a debt collection agency.

Further Terms and Conditions

Under the Consumer Credit Act 1974 you have the right to sue the supplier, us or both if you have received unsatisfactory goods or services paid for under this agreement costing more than £100 and less than £30,000.

You have the right to pay the balance of this credit agreement in full or in part under Section 94 of the Consumer Credit Act 1974. If you wish to do this you must give notice to us before payment is made by contacting us on; telephone number 0844 822 8000, e-mail creditagreements@shop direct.com or in writing to Shop Direct Finance Company Limited, Customer Support Team, Sandringham House, Sandringham Avenue, Chelmsford, CM92 1LE.

We reserve the right to vary the terms of this agreement at any time to reflect:-

• changes in applicable laws or regulation;
• changes to our systems;
• changes in market conditions affecting our business;
• new developments in products, technology or other changes in lending practices;
• additional, enhanced or revised product features;
• new promotional offers;
• changes in your personal circumstances;
• changes which in our view effect your credit status.

We will give you 30 days written notice of the variation, where any such change is not to your benefit. You may end this agreement by giving by giving us notice and paying us the full outstanding balance before that change takes effect.

We may vary the credit limit from time to time. You may request us to increase or reduce your credit limit at any time, and we shall consider such request, but we may agree or decline at our discretion. We may at any time restrict or suspend the availability of credit to you, but would usually only do so if we believe that you may not repay the balance, suspect fraudulent use of the account or believe any events in clause 22 has or is likely to occur. You must not exceed your credit limit, and if you do so you must repay the excess to us on demand.

Either you or us may terminate this agreement. If you terminate the agreement you must give at least 7 days written notice by contacting us at the address specified in clause 18 and you must immediately pay the full outstanding balance to us. If we terminate the agreement we will give you at least 2 months notice unless an event mentioned in clause 22 has occurred. You must repay the full outstanding balance to us on demand.

We may demand immediate repayment of the full outstanding balance and/or terminate the agreement and or suspend your right to use the account if:-

• you fail to pay the minimum payment by the due date;
• you exceed your credit limit;
• you become bankrupt, enter into a voluntary arrangement or make proposals for reduced payments;
• you have provided any false or misleading information on which we have relied;
• you breach any of the terms of this agreement in a way which we reasonably believe to be material;
• we believe the account is being used fraudulently or for an illegal purpose.

If we terminate the agreement you will be liable to pay us the full outstanding balance and any other sums due to us under it. The outstanding balance for all purposes of this agreement will include all sums then due on the account together with all amounts due to be charged to your account at any time in the future, less any rebate to which you may be entitled under the Consumer Credit Act 1974.

If you have failed to pay us any amount you owe under this agreement, we may use any money we owe you (whether under or in relation to this agreement, or in any other way) to reduce or repay the amount you owe us. This is called a right of “set off”. We can use our set off right without telling you in advance.

We may transfer any or all of our rights, duties and obligations under this agreement, or arrange for any other person to carry them out on our behalf, without giving you notice to you. Any such transfer will not effect your rights under this agreement, or any other legal rights you may have, such as under the Consumer Credit Act 1974. You may not transfer your rights, duties or obligations under this agreement.

This agreement is governed by the laws of England and Wales, which we also take as applying prior to the making of this agreement.

All communications in relation to this agreement will be in English.

We may put your statements and any other notices that we wish to send to you, or are required by law to send to you, such as notice of sums in arrears and notice of default sum, in the Transaction History of My Account on our website (or such other secure electronic location as we may notify to you). We will send you an e-mail to let you know when we do this. You agree that you consent to receive statements and notices in this way. Statements and notices will remain in My Account for up to 12 months after posting. If you wish to obtain a copy of any statement or notice after it has been received, we may charge you for supplying it in accordance with our practice at that time. We would therefore recommend that you print off a copy and keep it secure.

If we temporarily relax any terms of this agreement e.g. allowing you more time to pay, we may strictly enforce those terms again at any time.

If any term of this agreement is unenforceable for any reason, it shall not affect the enforceability of any other term of this agreement.

You must notify us in writing of any change of your address within seven days of such change.

You have the right to withdraw from this agreement under the Consumer Credit Act 1974. This right of withdrawal ends on the expiry of fourteen calendar days beginning with the day after the agreement is concluded. You can withdraw from this agreement by contacting us as specified in clause 18.

If you intend to withdraw you must repay any credit and any accrued interest without delay and no later than 30 calendar days after giving the notice to withdraw. Upon request we can advise you of the amount of interest you will be charged per day. You must still pay for any goods you have bought under this agreement, unless you have a separate right to return them, such as under a home approval guarantee or statutory distance selling rights. You should not use any goods you have purchased using credit under this agreement if you plan to return and you should keep them safe (legal action may be taken against you if you do not take proper care of them). You can make payment by contacting us as specified in clause 18 or you can go online.

If you are not satisfied with any aspect of this agreement then write to: Shop Direct Finance Company Limited, Customer Excellence, Sandringham House, Sandringham Avenue, Chelmsford, CM92 1LQ. We are covered by the Financial Ombudsman Service. If you have complained to us and we have been unable to resolve your complaint you may then be entitled to refer it to this independent body. Following our complaints procedure does not affect your right to take legal action.

The regulatory authority of consumer credit agreements is the Office of Fair Trading, Fleetbank House, 2-6 Salisbury Square, London, EC4Y 8JX.

Reference in this agreement to “you” and “your” are to the Customer named on the agreement. References to “us” and “we” are to the Creditor named above, and include any other party to whom our rights and/or liabilities under this agreement may be transferred.

Shop Direct Home Shopping Limited, 1st Floor, Skyways House, Speke Road, Speke, Liverpool, L70 1AB are the credit intermediary for this agreement.

We are required to inform you that there is a possibility that other taxes or costs may exist during the currency of this agreement that are not paid via us or charged by us under this agreement.