We are a retailer of goods or services that you are seeking to purchase (“Merchant”, “we”, “us” or “our”). This Agreement is between us and you, the cardholder making this purchase (“Shopper”, “you” or “your”, also referred to as “The Shopper”). Together, we are referred to as the “Parties”. This Agreement, together with the Instalment Plan Receipt, sets out the terms and conditions for paying for your purchase by instalments.
Your purchase involves two separate agreements. First, the purchase of Goods from us is governed by our terms and conditions of sale and other applicable policies (“Sale Terms”), which cover matters such as delivery, returns and your statutory rights in respect of the Goods. Second, these Terms of Service (this “Terms of Service” or “Agreement”) govern the instalment payment arrangement for your purchase only. This Agreement is separate from and in addition to the Sale Terms and does not alter your statutory rights in respect of the Goods.
We deliver the instalment payment option using a technology platform provided by Float Technologies Limited (“Float”). The decision whether to offer you the option to pay by Instalments is ours alone, as the Merchant. By selecting the instalment payment option, you directly authorise Float to collect and process your payment card details as an independent data controller, so that Float can verify that your Credit Card is valid and able to support the Authorisation, and process your Instalment payments, in accordance with Float’s Privacy Policy (available at https://choosefloat.com/uk/privacy-policy/). We do not hold or process your payment card data.
We intend to transfer this Agreement, including our rights and obligations under it, to Float (or another assignee) shortly after it is made, as explained in clause 9.3. If we do, you will be notified by email, and Float will from then on be your point of contact for your Instalment Plan. Until any transfer takes effect, this Agreement is between you and us alone.
Regulatory status. By allowing you to pay by Instalments, we are allowing you to defer payment of the purchase price: we are providing you with interest-free, fee-free, fixed-sum credit, and this Agreement is a credit agreement between you and us. Because we are the supplier of the Goods and the credit is interest-free, involves no charges, and is repayable in no more than twelve (12) Instalments within twelve (12) months (see clause 1.5), the Instalment Plan is exempt from regulation by the Financial Conduct Authority. This means you do not have access to the Financial Ombudsman Service in respect of disputes arising solely from the Instalment Plan. The Instalment Plan is not a regulated credit agreement under the Consumer Credit Act 1974, and the protections available under that Act for regulated credit agreements will not apply to the Instalment Plan. This does not affect any rights you may have against your Credit Card issuer (including under section 75 of the Consumer Credit Act 1974) in respect of your purchase. Nothing in this statement affects your statutory rights against us under applicable consumer law.
1. Our Service
1.1. This Terms of Service governs your use of our instalment payments product to pay in instalments (“Instalments”) and use the proprietary software products provided by Float that enable you to pay in Instalments (“our Platform”) (collectively, “our Services”). Our Services may only be used to accept payment for Goods within the United Kingdom (“UK”).
1.2. You may buy goods or services (“Goods”) from us via our e-commerce website and/or the physical location(s) at which we conduct business (“Merchant Site”) and in accordance with our Sale Terms (the “Sale”) coupled with this Terms of Service.
1.3. By selecting to pay in Instalments, you agree that we can take payment in the number of periodic instalments that you have selected (“Instalments”) for the full purchase price of the Sale (inclusive of any VAT) from your eligible UK issued Visa or Mastercard credit card (“Credit Card”).
1.4. We do not impose any interest or additional charges to you for selecting to pay in Instalments. Your standard Credit Card terms and conditions will still apply.
1.5. In order to pay in interest-free Instalments, you agree to the number, schedule and amount of each Instalment, the Authorisation (explained in clause 1.8 below) and capture of an amount up to the outstanding balance of the Sale amount on your Credit Card, and other matters detailed in the Terms of Service (collectively the “Instalment Plan”). The number, schedule and amount of each Instalment that will be charged to your Credit Card will be displayed to you before you complete the Sale. Under every Instalment Plan: the number of Instalments will not exceed twelve (12); all Instalments will fall due within twelve (12) months beginning with the date of the Agreement; and the first Instalment is charged at the time of purchase. We will not agree an Instalment Plan that does not meet these requirements.
1.6. After you have successfully set up an Instalment Plan, we will email you a receipt confirming your Instalment Plan details, including the amounts, dates, and stored Credit Card details (“Instalment Plan Receipt”), which will also specify the Shopper Support Email address for queries relating to this Agreement (“Shopper Support Email”). The Instalment Plan Receipt forms part of this Terms of Service. We will also notify you by email 7 days before each Instalment. We will also email you an access link to the shopper portal, which forms part of our Platform, where you can view your Instalment Plan details and manage your Instalment Plan (“Shopper Portal”).
1.7. At the time of purchase, the first Instalment is charged, and the remainder of the purchase amount is Authorised on your Credit Card. The remaining Instalments will be charged in the agreed schedule until your purchase is fully paid.
1.8. An Authorisation means that a portion of your available credit limit on your Credit Card will be temporarily on ‘hold’ to ensure that the outstanding balance of your Instalment Plan (not the outstanding balance on your Credit Card) is available within your existing credit limit (“Authorisation”). You will not be able to spend an amount that is on ‘hold’ and this amount may appear as “pending” in your Credit Card statement. The amount may remain on ‘hold’ for up to 30 days, but may be released sooner, depending on your Credit Card issuer. However, even if this amount is released back into your credit limit, it is your responsibility to ensure the outstanding balance is available and that your Credit Card is valid at all times during the Instalment Plan.
1.9. If applicable to your Instalment Plan and agreed by you before completing the Sale, we may periodically renew the Authorisation for the outstanding balance of the Sale amount, using the Credit Card linked to your Instalment Plan. We will also notify you by email 7 days before we attempt to renew any Authorisation.
1.10. If any Instalment or Authorisation fails, we will notify you by email. We will continue attempting to obtain the Instalment or Authorisation at intervals for the following 7 days. You can provide us with a valid alternative Credit Card to link to your Instalment Plan via the Shopper Portal. We will then submit any Instalments or Authorisations and any subsequent settlement requests against this Credit Card instead.
1.11. If, after 7 days from the initial failed attempt, we are still not able to obtain an Instalment or Authorisation, we will submit a payment request against the last Authorisation we held against your Credit Card for payment of the outstanding balance of the Sale.
1.12. We will process the Instalment Plan from the Credit Card you submitted at the time of the Sale being successfully concluded, unless you have subsequently provided us with a valid alternative Credit Card, which you may do at any time through the Shopper Portal, in which case, we will process the Instalment Plan using that Credit Card instead. It is your responsibility to ensure that, until the last Instalment is paid:
1.12.1. the Credit Card provided to us remains valid and is not cancelled or expired; and
1.12.2. the outstanding balance of your Instalment Plan remains available in your Credit Card limit at all times.
1.13. If your Credit Card is replaced, cancelled, expired, or otherwise is no longer valid for any reason, we will need to process the Instalment Plan from an alternative Credit Card. We will contact you by email and you must log on to the Shopper Portal and provide a valid alternative Credit Card for future Instalment payments. If you do not provide an alternative means of payment within 7 days of us notifying you, all amounts owed under this Terms of Service will become immediately due and payable.
1.14. You may make an ad hoc payment at any time through the Shopper Portal. Payments are allocated based on whether any Instalments are overdue or not. If not overdue, we will allocate payment to the last Instalment. If an overdue Instalment is settled, we will allocate payment to the earliest dated overdue payment and cancel any scheduled retry attempts. We will email you an updated Instalment Plan schedule after any ad hoc payment is made.
1.15. In order to pay in interest-free Instalments, you authorise Float to arrange for your Credit Card details to be stored securely and used to submit any Instalment or Authorisation requests (including any retries described in this Terms of Service). This authorisation is given by you to the payee under your Instalment Plan (being us or, following any assignment under clause 9.3, the Assignee) as a continuing payment authority covering each Instalment and Authorisation described in these Terms of Service, so that no separate authorisation is required from you for each individual payment. This consent remains in effect until your Instalment Plan is closed. If we make a material change to how your Credit Card details are stored, we will notify you in advance via email.
1.16. We do not guarantee access to our Platform and reserve the right to decline your request to use our Services at our sole discretion, even if you have previously used our Services and paid your Instalments in full and on time for other Instalment Plans. Our discretion will be exercised reasonably.
1.17. The purchase of the Goods comprising the Sale is governed solely by Sale Terms and applicable policies, which set out the Merchant’s liability for any loss arising from any failure relating to the Goods, their quality, delivery or suitability. The provider of the instalment payment arrangement under this Agreement (whether the Merchant or any assignee) shall have no liability for the suitability, quality, delivery or availability of the Goods. This Agreement relates solely to our Instalment Plan and Services and is separate from the Sale Terms, which govern the purchase of the Goods.
1.18. Once you have entered into this Terms of Service, we cannot amend or cancel amounts owed on the Instalment Plan other than those in accordance with clause 1.14 (ad hoc payments) or clause 7 (Refund Arrangements).
1.19. Nothing in these Terms of Service reduces or removes your statutory rights against us as the merchant (including rights under the Consumer Rights Act 2015 or under the Consumer Contracts Regulations regarding distance contracts). If you validly cancel or return Goods in accordance with applicable law, your Instalment Plan will be adjusted, paused or refunded to reflect that cancellation or return once verified.
1.20. This Terms of Service will terminate upon completion of your Instalment Plan. However, you may request to terminate this Terms of Service and your Instalment Plan at any time by emailing the Shopper Support Email. Upon termination, the full outstanding balance of your Instalment Plan will become immediately due and payable, and you authorise us to capture this amount from your Credit Card. Once the outstanding balance has been successfully captured, the Instalment Plan will be closed. This clause does not affect your statutory rights, including any rights to cancel your underlying Sale with us.
2. Shopper Obligations
You acknowledge and agree that –
2.1. You have the legal capacity to enter into this Terms of Service, and you:
2.1.1. are over 18 years of age;
2.1.2. have the mental capacity to understand the nature and effect of this Terms of Service;
2.1.3. are acting on your own behalf and are not subject to any legal order or restriction that prevents you from entering this Terms of Service; and
2.1.4. have used a valid Credit Card issued by a UK-regulated bank or financial institution in your (Shopper’s) name.
2.2. You will provide us with complete and accurate billing and contact information, including a valid email address, and maintain and update such information when necessary. By doing so, you warrant that the information provided is correct.
2.3. You will make Instalment payments in accordance with the Instalment Plan. If your dispute relates to the Goods or the Sale, please contact the Merchant using the contact details provided in the Sale Terms. If your dispute relates to an Instalment payment or the operation of your Instalment Plan, please contact us at the Shopper Support Email. A dispute about the Goods does not automatically suspend your obligation to make Instalment payments, but if you believe you have grounds to withhold payment, please contact the Shopper Support Email and we will consider your circumstances.
2.4. We are entitled to process transactions to your Credit Card account in accordance with the Instalment Plan.
2.5. You are liable for any fees or costs that your bank may charge you when payment is made using your Credit Card.
2.6. You agree to have sufficient funds and/or credit available in your Credit Card account to cover all Instalments and Authorisations when due, in full.
2.7. If you have any concerns regarding the Goods or the Sale, you agree to contact us first, using the contact details in our Sale Terms, so that we can try to resolve them and, where applicable, consider a Refund where it is due (as set out under clause 7). Nothing in these Terms of Service excludes or restricts any right you may have under applicable law or under the rules of your Credit Card scheme to dispute a payment relating to the Goods or the Sale.
2.8. You agree to keep your account details and password private and confidential. You are responsible for any orders placed using your account, including any unauthorised or fraudulent use, except to the extent that applicable law limits your liability.
2.9. You must contact us immediately if you reasonably suspect that your account may have been used or will be used by an unauthorised third party, or if you suspect fraudulent activity. Failure to notify us promptly may affect your liability for unauthorised transactions.
2.10. If we suspect unauthorised or fraudulent activity on your account, or to comply with a specific applicable legal or regulatory obligation, we may immediately suspend your account without notice. You are responsible for any losses we incur that result from your own fraudulent or intentional misuse, breach of these Terms of Service, or other unlawful activity.
3. Changes to these Terms of Service
3.1. You must email the Shopper Support Email immediately if any of your contact details linked to your Instalment Plan change, or if your circumstances change in a way that may affect your ability to comply with these Terms of Service.
3.2. We may update these Terms of Service from time to time by giving you 30 days’ prior written notice for any of the following reasons:
3.2.1. To comply with law, regulation or industry guidance.
3.2.2. To maintain security, prevent fraud, or address misuse of the service.
3.2.3. To reflect changes to our services arising from technology, systems or third-party providers, or to align with market practice and consumer usage.
3.2.4. To ensure our services are provided on a prudent and sustainable basis, including reasonable adjustments to features, pricing or eligibility.
3.2.5. To correct a clear error or to make a change that may be beneficial to you.
3.3. If the revised version does not include a material change, we may make it immediately and notify you within 30 days. The most current version will be available on our website. No update will change the number, amount or dates of the Instalments under an Instalment Plan you have already entered into or otherwise increase the amounts you owe under it.
3.4. Your continued use of the Instalment Plan after any change takes effect will be seen as your acceptance of the updated Terms of Service. If you object to any change before it takes effect, you may inform us by email at the Shopper Support Email. Terminating these Terms of Service does not alter any obligations under any existing Instalment Plan, which must be repaid in full.
4. Fees & Payment Terms
4.1. The Instalment Plan Receipt provided to you will serve as the account for the instalment payments required under these Terms of Service and will indicate the due date for each Instalment to be made.
4.2. No fees or interest will be charged by us in respect of these Terms of Service. Please note that your bank may apply interest or other charges in line with the terms and conditions of your agreement with them.
4.3. No fees will be charged to open or use our Instalments or our Services.
5. Overdue Amounts
5.1. We reserve the right to:
5.1.1. Try and recoup any outstanding Instalments or the full outstanding balance of the Instalment Plan, at any later date within a reasonable period of the amount falling due, after giving you reasonable notice.
5.1.2. Engage the services of a third party to assist in the collection of any outstanding amounts due.
5.2. Financial difficulty. If you are experiencing, or expect to experience, financial difficulty, please contact the Shopper Support Email as soon as possible. We will consider your circumstances and whether a reasonable arrangement can be agreed (for example, adjusting the timing of payments), and we will take your circumstances into account before exercising our rights under clause 1.13 or this clause 5. Contacting us about financial difficulty is not itself a breach of these Terms of Service.
5.3. If you do not pay an overdue amount, we may approach a court to take judgment against you. If we do, we may provide account statements or other documentation showing the amounts owed as part of our evidence. You have the right to review and dispute any amounts we claim under these Terms of Service.
5.4. The email and physical/billing address that you gave us when completing the Sale is the address that you choose where legal documents may be served on you. If you wish to change your e-mail or physical/billing address you must give us written notice and any such change will take effect 7 business days after we receive such notice.
6. Complaints
6.1. If you have any questions, concerns, or complaints about an Instalment Plan, please contact the Shopper Support Email as soon as possible. We take all complaints seriously and will try to put things right. We may ask you to provide additional information or assistance to help resolve your complaint. We will acknowledge your complaint within 5 business days and aim to resolve it within 8 weeks. If we are unable to resolve your complaint within this period, we will write to you explaining the reasons for the delay, and when we expect to resolve it. Full details of our complaints procedure are available on request.
6.2. We will try to help resolve problems, but this does not change your obligation to make payments to us under the Instalment Plan, except as allowed in these Terms of Service.
7. Refund Arrangements
7.1. Any full or partial return of the Sale (“Refund”) is subject to the Merchant’s return policy and applicable laws. For returns and refunds relating to the Goods, please contact the Merchant in accordance with the Sale Terms.
7.2. Approval of a Refund is a matter for the Merchant, in accordance with the Merchant’s return policy and applicable law (such approval not to be unreasonably withheld or delayed). Once the Merchant has confirmed a Refund, the provider of your Instalment Plan for the time being (the Merchant or, following an assignment under clause 9.3, the Assignee) will amend the Instalment Plan and process the Refund comprising any Instalments as follows:
7.2.1. for full refunds, the refund amount will be equal to the sum of the Instalments paid to date.
7.2.2. if the refund amount is greater than the Instalments still due, then we will refund you the difference by crediting your Credit Card account.
7.2.3. if the refund amount is less than the Instalments still due, then we will adjust the Instalment Plan accordingly to reflect the revised amount still due. We will apply the refund amount first to the last instalment then to the second last etc., working backwards to the first instalment.
7.3. We will email you an updated Instalment Plan schedule after the Refund has been processed by us.
7.4. Refunds relating to your Instalment Plan will normally be made by the methods described in clause 7.2. If, under our return policy, we instead refund you directly in cash, by store card or gift card, in vouchers or the like, you will remain responsible for payment of the Instalment Plan in full, notwithstanding such refund. Please check which refund method applies before returning Goods.
7.5. If you believe we have charged you in error (including duplicate or incorrect amounts), email the Shopper Support Email without undue delay. We will promptly investigate and, where appropriate, correct or refund any proven erroneous charge in accordance with applicable law.
7.6. If the Goods comprising the Sale are never dispatched or supplied (including because the Merchant has become insolvent or has ceased trading), and the provider of your Instalment Plan for the time being (the Merchant or any Assignee) is reasonably satisfied that the Goods were never dispatched, the provider will pause the collection of further Instalments while the matter is verified and, once confirmed, will cancel the Instalment Plan and refund any Instalments already paid in respect of the undelivered Goods. This is in addition to, and does not affect, any rights you may have under applicable law, including any dispute rights under the rules of your Credit Card scheme and any claim you may have against your Credit Card issuer (including, where it applies, under section 75 of the Consumer Credit Act 1974).
8. Intellectual Property
8.1. License
8.1.1. All intellectual property in our Platform, including any content, images, logos or graphics is owned by or licensed to us and our technology providers. You must obtain our written permission if you wish to use any such intellectual property. We grant you a limited, non-exclusive, non-sub-licensable, revocable, non-transferable license to: (i) access and use our Platform solely in connection with the Instalments; and (ii) access and use any content, information and related materials that may be made available through our Platform, in each case solely for your personal, non-commercial use. We reserve any rights not expressly granted herein.
8.2. Restriction
8.2.1. You may not: (i) remove any copyright, trademark or other proprietary notices from any portion of our Platform; (ii) reproduce, modify, prepare derivative works based upon, distribute, license, lease, sell, resell, publicly display, publicly perform, transmit, stream, broadcast or otherwise exploit our Platform except as expressly permitted by us; (iii) decompile, reverse engineer or disassemble our Platform; (iv) link to, mirror or frame any portion of our Platform; (v) cause or launch any programs or scripts for the purpose of scraping, indexing, surveying, or otherwise data mining any portion of our Platform or unduly burdening or hindering the operation and/or functionality of any aspect of our Platform; or (vi) attempt to gain unauthorised access to or impair any aspect of our Platform or their related systems or networks.
9. Miscellaneous
9.1. Limitation of Liability
9.1.1. If we breach these Terms or fail to use reasonable care and skill, we’ll be responsible only for losses that were foreseeable when the Sale was concluded, and our liability will not exceed the purchase price of the Sale. This includes legal and other professional fees, loss of profit, revenue, anticipated savings, business transactions, goodwill or other contracts, to the extent these are not foreseeable or caused by our breach or failure to use reasonable care and skill.
9.1.2. Without limiting the above, we will not be responsible to you for any indirect or consequential losses, claims, liabilities, damages, losses, fines, penalties and expenses arising from our delay or failure caused by events outside our reasonable control, including:
9.1.2.1. force majeure events;
9.1.2.2. failures or malfunctions in our Platform that are caused by such events; and/or
9.1.2.3. delays or failure in electronic communication or supporting networks that are caused by such events.
9.1.3. The limitations and disclaimer in this clause do not limit or exclude our liability for death or personal injury caused by our negligence, for fraud or fraudulent misrepresentation, or for any other liability that cannot be excluded or limited under applicable law, and do not alter your rights as a consumer that cannot be excluded under applicable law.
9.2. Indemnification. You are responsible for any losses we incur that result directly from your own fraudulent or intentional misuse of our Services, your breach of these Terms, or other unlawful activity.
9.3. Assignments and Transferability.
9.3.1. You may not assign, novate or transfer your rights and obligations under this Agreement, without our consent, which may be withheld in our absolute discretion.
9.3.2. We may transfer our rights and our obligations under this Agreement or otherwise assign this Agreement to a third party (“the Assignee”) without your consent, upon or immediately after conclusion of this Agreement. The Assignee will notify you of such assignment by email and, following such notification, all future Instalment payments shall be made as directed to the Assignee. With effect from the assignment, the Assignee assumes, and is required to perform, all of our obligations under this Agreement in relation to your Instalment Plan and is entitled to exercise all of our rights under it. No assignment or transfer will reduce your rights or increase your obligations under this Agreement. From the date of such assignment, the Assignee’s Privacy Policy will apply to the processing of your personal data in connection with the Instalment payments. The Assignee will provide you with, or direct you to, its privacy notice in or together with the notification of assignment, as required by applicable data protection law.
9.4. Notices. All notices to you shall be given electronically, sent to the electronic mail address provided by you whilst completing the Sale and/or as subsequently updated in our Platform and shall be effective upon transmittal and/or updating. All notices to us must be sent via email to the Shopper Support Email. Such written notice will be deemed given upon confirmation of receipt.
9.5. Waiver. The failure of any Party to insist on or enforce strict performance of any provision of this Terms of Service or to exercise any right or remedy under this Terms of Service or applicable law will not be construed as a waiver or relinquishment to any extent of the right to assert or rely upon any such provision, right or remedy in that or any other instance; rather, the same will be and remain in full force and effect. Waiver by either Party of a breach of any provision contained herein must be in writing, and no such waiver will be construed as a waiver of any other and/or succeeding breach of such provision or a waiver of the provision itself.
9.6. Governing Law; Jurisdiction. This Terms of Service (and any non-contractual obligations arising out of or in connection with the same) shall be governed by and interpreted in accordance with the laws of England and Wales and the courts of England and Wales shall have exclusive jurisdiction to settle any dispute or claims which may arise in connection with this Terms of Service and/or the Instalments provided hereunder (including in relation to any non-contractual obligations). If you live in Scotland or Northern Ireland, nothing in this clause deprives you of the protection of any mandatory consumer protection laws of, or of the right to bring or defend proceedings in the courts of, the part of the United Kingdom in which you live.
9.7. Legal Fees. Each party bears its own costs unless a court orders otherwise.
9.8. Dispute Resolution
9.8.1. If a dispute arises in respect of this Terms of Service, the Parties will use their best endeavours to resolve the dispute informally within 7 (seven) days of the dispute being raised in writing.
9.8.2. If the dispute is not resolved after the 7 days have passed, the Parties may agree to refer the dispute to mediation, in which case they will, within 10 (ten) days of either Party requesting it in writing, attempt to agree the appointment of a suitably qualified mediator and participate in good faith. Mediation is voluntary and you are not required to mediate before bringing a claim in the courts referred to in clause 9.6.
9.8.3. If mediation is unsuccessful or has not taken place within 30 (thirty) days of a request for mediation, either Party may propose that the dispute be referred to arbitration. Any such arbitration shall only proceed if the shopper provides their consent to arbitration. You are under no obligation to consent to arbitration, and nothing in this clause 9.8 prevents you from bringing a claim in the courts referred to in clause 9.6 at any time.
9.8.4. If the parties agree to arbitrate a dispute, the arbitration shall be held –
9.8.4.1 in London or at another venue agreed in writing;
9.8.4.2. in English; and
9.8.4.3. with a view to being completed promptly.
9.8.5. The Parties irrevocably agree that the decision in arbitration proceedings:
9.8.5.1. shall be final and binding upon them;
9.8.5.2. shall be carried into effect;
9.8.5.3. may be made an order of any court of competent jurisdiction.
9.8.6. This clause shall not preclude either Party from obtaining interim relief on an urgent basis from a court of competent jurisdiction pending the dispute.
9.9. Third party rights. Nothing in this Terms of Service confers or is intended to confer a benefit enforceable by a person who is not a party to it. This does not affect the authorisation granted to Float Technologies Limited under clause 1.15.
9.10. Headings. Headings are used for convenience of reference only and in no way define, limit, construe or describe the scope or extent of any section, or in any way affect this Terms of Service.
9.11. Severability. If any provision of this Terms of Service or portion thereof is held to be unenforceable, such a determination will not affect the remainder of this Terms of Service.
9.12. Entire Agreement. This Terms of Service together with all our policies referenced herein sets forth the entire understanding and agreement of the Parties and supersedes any and all prior or contemporaneous oral or written agreements or understandings between the Parties, as to the subject matter of this Terms of Service. Nothing in this clause excludes or limits any liability for fraud or fraudulent misrepresentation or affects your statutory rights.
9.13. Order of Precedence. If there is any inconsistency between these Terms of Service and the Instalment Plan Receipt, the Instalment Plan Receipt will prevail in respect of the number, amounts and dates of the Instalments under your Instalment Plan. If there is any inconsistency between these Terms of Service and any policy or other document referred to in them, these Terms of Service will prevail, unless the provision of the other document is required by applicable law or is more favourable to you.
Effective Date: 15 July 2026
