How safe are my transactions?

Choice 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 Choice 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, Choice, 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 Choice communications, communications from third parties, or both.

From Email

If you do not want to receive emails from Choice, or selected third parties, please write to the Data Protection Unit, Choice, 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 Choice communications, communications from third parties, or both.

From Direct Mail

If you do not want to receive mailings from Choice, or selected third parties, please write to the Data Protection Unit, Choice, 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 Choice 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.

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.

3. Processing your orders and payment

3.1 If you are paying for your order through your Choice 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 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 14 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.

Terms & Conditions for a credit account

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 Financial Information

1. Credit Limit - We will periodically set the credit limit and notify you of it.
2. Repayments - You will be sent a statement every 28 days. The minimum payment due date will be shown on your statement and will be 21 days after the date of your statement.
3. Unless we notify you to the contrary, the cost of all goods purchased 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.
4. The minimum payment due for each 4 week statement period will be shown on each statement. This minimum payment will be the total of the minimum payment applicable to all purchases over 20 weeks (calculated as described at 5 below) and the individual payments applicable to all purchases on extended plans (calculated as described at 5 below), plus any service charges (such as express delivery charges, Paypoint charges, insurance premiums and any administration or default charges described below) charged to your account in that statement period.
5. We calculate the minimum payment applicable to purchases over 20 weeks differently to the payment for purchases on extended plans. For the first purchase over 20 weeks the minimum payment will be the amount of that purchase divided by 5. Whenever you add another purchase over 20 weeks it will be added to your outstanding balance for purchases over 20 weeks. The minimum payment for all purchases over 20 weeks will then be that new balance divided by 5. For purchases on extended plans the payment due 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 13 for a 52 week plan).
6. 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 at least equal that minimum payment.
7. For certain items we may ask you to make an additional payment 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.
8. APR 0%

Other Financial Information

1. Total charge for credit £0. This is based on the 20 week drawdown.
2. 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. The interest rates currently applicable to drawdowns on extended plans on selected purchases as notified to you are:-
   • 52 weeks 0% per annum
   • 104 weeks 0% per annum
   • 104 weeks 29.9% per annum
   • 156 weeks 0% per annum
   • 156 weeks 29.9% per annum
   • 208 weeks 0% per annum
   • 260 weeks 19.9% per annum
   We may withdraw any of these plans or rates or introduce additional promotions on extended plans at any time and will advertise the available interest rates and periods, and the items to which they apply, in our catalogues, on our websites, by personal communication or in such other way as we reasonably consider appropriate.
   When an extended plan is interest bearing (including Buy Now Pay Later promotions (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. See clause 1 of the Further Terms and Conditions for additional details on BNPL purchases and promotions.
   
3. Allocation of payments: Any payments made under this agreement up to the minimum payment due 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:
   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.
   4. The part of the total minimum payment due in respect of 20 week purchases and the part of the total minimum payment due in respect of extended plans pro rata.

   See clause 4 of the Further Terms and Conditions for the allocation of payments should you pay more than the minimum payment due on the account.

Key Information

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

• 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 - 50p
• If you make a payment via the Post Office - 50p
• You fail to make at least the minimum payment by the payment due date - £12
• 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

We reserve the right to vary these charges (or introduce new charges) at any time in accordance with clause 12 of the Further Terms and Conditions.

MISSING PAYMENTS

Missing payments could have severe consequences and make obtaining credit more difficult.

IMPORTANT - READ THIS CAREFULLY TO FIND OUT ABOUT YOUR RIGHTS

The Consumer Credit Act 1974 lays down certain requirements for your protection which should have been complied with when this agreement was made. If they were not, we cannot enforce this agreement without getting a court order.
The Act also gives you a number of rights:

1. You can settle this agreement at any time by giving notice in writing and paying off the amount you owe under the agreement.
2. If you received unsatisfactory goods or services paid for under this agreement you may have a right to sue the supplier, us or both.
3. If the contract is not fulfilled, perhaps because the supplier has gone out of business, you may still be able to sue us.

If you would like to know more about your rights under the Act, contact either your local Trading Standards Department or your nearest Citizens' Advice Bureau.

FURTHER TERMS AND CONDITIONS

1. Buy Now Pay Later (BNPL) Purchases: Selected purchases may be available on one of the following BNPL offers as published from time to time:
   • 1.1 No interest during the BNPL period: Interest will be calculated at the interest rate applicable to the specific BNPL promotion for the duration of the applicable extended plan, but not for the BNPL period prior to the commencement of the repayment period of the applicable extended plan. The first repayment will be due after the BNPL period has expired.
   • 1.2 Interest accruing during the BNPL period: 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 BNPL period plus the repayment period applicable to the extended plan. The first repayment will be due after the BNPL period has expired.

For all BNPL purchases, if you pay the cash price of your BNPL purchase before the expiry of the BNPL 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.

2. 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.
3. The credit under this agreement 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.
4. Payments made by you under this agreement up to the minimum payment due will be allocated as described in the "Other Financial Information" section. Any payment applied to an extended plan will be allocated to the final scheduled payment at the end of each plan, therefore reducing the duration of each plan. Any payment to the account in excess of the minimum payment then due will be allocated between the different ways of drawdown in the following order:
   1. 20 week purchases
   2. The shortest of your extended plans. If you have more than one plan of the same duration we will apply payments to the highest interest rate plan, and if there are more than one of equal duration and equal interest rate, we will apply to the oldest plan.

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.

5. We may, subject to any statutory notice period, demand immediate payment of the full outstanding balance and or terminate your right to use the account if:-
   • 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 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;
   • you fail to pay any other sums due from you to us within any grace period to which you are entitled.

   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.

6. Either you or we may terminate this agreement by giving at least seven days written notice of such to the other. If you terminate the agreement, you must immediately pay the full outstanding balance to us. If we terminate the agreement you will not be able to obtain further credit under this agreement and must repay the full outstanding balance to us on demand.
7. 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.
8. You have the right to cancel this agreement under the Financial Services (Distance Marketing) Regulations 2004. This right to cancel ends on the expiry of fourteen calendar days beginning with the day after the agreement is concluded. You can cancel by sending or taking a WRITTEN notice of cancellation to Shop Direct Finance Company Limited, Credit Support Team, Sandringham House, Sandringham Avenue, Chelmsford, CM92 1LE. Fax Number 0844 822 4740. E- Mail creditagreements@shopdirect.com.

If you intend to cancel, you should not use any goods you have under the agreement and you should keep them safe (legal action may be taken against you if you do not take proper care of them).

9. You must notify us in writing of any change of your address within seven days of such change.
10. 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.
11. We may transfer any or all of our rights, duties and obligations under this agreement to any other person, or arrange for any other person to carry them out on our behalf, without giving notice to you. Any such transfer will not affect 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.
12. We reserve the right to vary the terms of this agreement at any time to reflect:
    • changes in applicable laws or regulation;
    • changes in 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 28 days written notice of the variation. Where any such change is not to your benefit, you may end this agreement by giving us written notice and paying us the full outstanding balance before that change takes effect.

13. We may vary the credit limit from time to time. You must not exceed your credit limit, and if you do so you must repay the excess to us on demand. You may request us to increase your credit limit at any time, and we shall consider such request, but we may agree or decline at our discretion. You may also request us to reduce your credit limit at any time. We may at any time restrict or suspend the availability of credit to you, but will only do so for justifiable reasons. These will include, but are not limited to: we believe that you may not repay the balance, we suspect fraudulent use of the account or we believe any event referred to in clause 5 has happened or is likely to happen.
14. This agreement is governed by the laws of England and Wales, which we also take as applying prior to the making of this agreement.
15. All communications in relation to this agreement will be in English.
16. 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 notices 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 wish to do so, we may send statements and notices to you by post either as well as, or instead of electronically. We are required by law to send some types of notices by post

17. If any term of this agreement is unenforceable for any reason, it shall not affect the enforceability of any other term of this agreement.
18. References in this agreement to "you" and "your" are to the Customer named above. 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. References to "purchases" include any form of drawdown on the account including purchases, balance transfers and any other transaction charged on the account.
19. We are a financial services company authorised and regulated to carry on insurance mediation business by the Financial Services Authority, under reference number 312190, and licensed by the Office of Fair Trading under consumer credit licence number 535857.
20. The regulatory authority of consumer credit agreements is the Office of Fair Trading, Fleetbank House, 2-6 Salisbury Square, London, EC4Y 8JX.
21. Shop Direct Home Shopping Limited, Skyways House, Speke Road, Speke, Liverpool, L70 1AB, are the credit intermediary for this agreement.
22. 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.