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CreditDigital is the trading name of MTL Financial Limited (“we“, “our” and “us“), a private company incorporated and registered in England with company number 10923992, with its registered office at 71-75 Shelton Street, Covent Garden, London, England, WC2H 9JQ. This document sets out the terms and conditions of the credit brokering services offered by MTL Financial Limited via the CreditDigital platform “the Service”. This includes your access to, and use of, all content, services and products offered on the CreditDigital platform by us and our affiliated 3rd party Lenders.
CreditDigital offers a technology solution which connects Merchants with Lenders and allows finance products to be offered by the Merchants to their customers at the point of sale. Independently of the CreditDigital Service, Merchants are required to clearly set out the terms and conditions of each purchase for their customers. This is the sole responsibility of the Merchant and should include statutory rights to cancellation and a refund. The finance products offered are from 3rd party Lenders, not CreditDigital. Merchants will be subject to terms and conditions set by the Lender, independently of CreditDigital. Consumers will receive a consumer finance agreement from the lender and should refer to this for the terms and conditions of the loan and repayment.
By accessing and using the services offered on the CreditDigital platform, you signify acceptance of these terms and conditions. If you do not agree with, or you are not comfortable with any aspect of these terms and conditions, you should immediately discontinue access and use of our Services. The terms and conditions defined in this document, extend to any and all future updates and/or supplements to our platform and website, unless we specifically state that alternative terms shall apply.
CreditDigital shall, in accordance with the terms and conditions set out in this document, provide you with the Service. To be eligible for the Service, you must:
CreditDigital reserves the right to withdraw the Service if the above conditions are not met.
To apply to use our Service, you must provide us with the following:
By using the CreditDigital platform to offer finance to your customers, you undertake to:
Once CreditDigital has received your application, we will:
To the maximum extent permitted by law, the CreditDigital platform and Service are provided “as is” and “as available”. While CreditDigital will endeavour to provide the best service possible, we hereby disclaim all warranties of any kind, whether express, implied or otherwise, including, without limitation, the warranties of fitness for a particular purpose and non-infringement. CreditDigital does not warrant that its platform, website or Service will be complete, accurate, reliable, timely, secure, error free or that access thereto will be continuous or uninterrupted. You acknowledge that you are using the platform, website and Service at your own discretion and risk. The content on the platform, Website and all other information which is displayed or provided to you when using the Service is provided for general information only. It is not intended to amount to advice, including financial advice, on which you should rely. You should obtain professional advice to understand and fulfil your regulatory obligations to the FCA and other relevant bodies. Although we make reasonable efforts to ensure the accuracy of the information provided to you via our platform and website or otherwise, we make no representations, warranties or guarantees, whether express or implied, that this is accurate, complete or up-to-date.
To the extent permitted by law, we exclude all conditions, warranties, representations or other terms which may apply to our platform, website or the Services, whether express or implied. CreditDigital shall not be liable to you for any loss or damage, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, even if foreseeable, arising under or in connection with:
Unless prior consent is granted by CreditDigital, you shall not assign, transfer or deal in any other manner with any or all of your rights under this Agreement. CreditDigital may at any time assign, transfer or deal in any other manner with any or all of its rights under this Agreement, provided that such dealing will not materially affect your rights under this Agreement or the obligations owed to you under this Agreement.
CreditDigital reserves its right to terminate this Agreement and suspend your use of or access to all or any part of the platform, website or Service immediately by contacting you at your email address on record.
Upon termination of the Agreement, all rights granted to you under the Agreement shall cease and you must immediately cease all activities authorised by the Agreement, including your use of the CreditDigital Service.
Termination or expiry of this Agreement shall not affect any rights, remedies, obligations or liabilities of the parties that have accrued up to the date of termination, including the right to claim damages in respect of any breach of the Agreement which existed at or before the date of termination or expiry.
CreditDigital reserves its right modify the Agreement at any time for any reason. Any changes we may make to the Agreement in the future will be notified to you by email.
This Agreement and any dispute or claim arising out of or in connection with it or its subject matter or formation (including non-contractual disputes or claims) shall be governed by and construed in accordance with the law of England and Wales and you agree that the courts of England and Wales shall have exclusive jurisdiction over such disputes or claims.