SterlingStore.co.uk Terms and Conditions of UseLast Updated: March 1, 2018
This website SterlingStore.co.uk is operated by TdotUK Limited (the “Company,” “We,” “Our,” “Us”). These
Terms & Conditions of Use form part of an Agreement between the Company and You ("you" and/or
"your"), as the user of this website (the "Site") and for the Company's Services, and governs Your
access to and use of this Site.
Please be sure to read this Agreement in its entirety before using this Site. If You do not agree to
these terms, please do not use this Site or the Company's Services.
Notice: By using this Site, You acknowledge that You are at least 18 years of age and that You
have read, understand and agree without limitation or qualification to be legally bound by these
Terms & Conditions of Use and our Privacy Notice, which are expressly incorporated herein by
reference. Our Privacy Notice may be found at Privacy
The Company is incorporated under the laws of England and Wales, with company registered number 09225672.
The Company is authorised and regulated by the Financial Conduct Authority and is entered on the
Financial Services Register under reference number 688026. The Company is also registered with the
Information Commissioner’s Office under registration number: ZA128431.
Using the Site
To register for Company's Services, You must agree to these Terms & Conditions of Use, as well as the
Company's Privacy Notice. You must also accurately complete and submit one or more application forms
that require certain personal, employment, and financial information (the “Information”).
The relevant application form to be submitted will depend upon which of the Company’s Services you
require. The application forms are available as part of the documentation relating to that Services.
Once You submit Your Information, we may share it with our network of independent, third party lenders
(“Lender(s)”). You are solely responsible for maintaining your own account information, including
password. You agree to notify the Company immediately if the information You have given Us as part of
Your application changes in any way, as detailed in the Company’s Privacy Notice.
The collection, use, and sharing of this information is subject to these Terms & Conditions of Use
and our Privacy Notice, which are available as described above. By registering for the Company's
Services, You understand that You are requesting a referral for a loan from the Lenders with whom we may
share Your information. You further understand that such Lenders might contact You via email,
telephone/mobile device/automated voice messaging and direct mail in order to assist You in obtaining
the loan requested. Lenders, Company, and/or third-party marketing partners may also provide information
to You about additional services and products you may be interested in, if you have provided your
specific consent to do so.
Actual or attempted unauthorised use of the Site may result in criminal and/or civil prosecution. The
Company reserves the right to view, monitor, and record activity on the Site with permission from You,
however The Company can monitor and collect information such as, date and time of site visit, domain
used to access the site, and date and time of application without consent provided. Without consent, no
identifiable information will be gathered or processed. Any information obtained by monitoring,
reviewing, or recording is subject to review by law enforcement organisations in connection with
investigation or prosecution of possible criminal activity on the Site. The Company will comply with all
requests for such information, in accordance with the law and its regulatory obligations.
The Company’s Services
The Company is a credit broker, and facilitates the connection of consumers interested in loan amounts
between £100 and £5,000 with participating Lenders (the "Company's Services"). The Company is not a
Lender or a loan provider, does not make loans or credit decisions, and does not provide financing
directly to you. The Company is a free referral service through which interested consumers can connect
with a network of independent, third party Lenders. The Company is not an agent of any particular
Lender, and the Site is not an offer or solicitation to lend. Any compensation the Company may receive
is paid by the Lender for advertising services provided. By completing and submitting a registration
form on the Site, you give your consent to be matched with a Lender in our network.
The Company will present your Information to one or more of our Lenders based on their individualised
criteria until such time as a Lender accepts your application, or your application is declined by all
Lenders your Information is presented to. Upon acceptance, you will be redirected to the Lender’s
website to complete the application process. You are under no obligation to accept the terms of a loan
offer before signing any applicable loan documents with the Lender, and you may cancel the process at
any time before such point. Read the terms of any loan offer carefully and consider obtaining
independent legal and/or financial advice before accepting.
The Company does not endorse, recommend, or guarantee the loan availability, price, product,
availability, rates, fees or any other loan terms of Lenders. We do not guarantee that a given Lender
can offer you the most suitable loan available in the marketplace. By submitting your Information to us,
you expressly agree to permit Lenders to verify and investigate the information You have provided.
If you are connected with a Lender, you understand that the Company is not a party to any agreement
between you and that Lender and that we have no involvement in the registration process after
transmission to the Lender. All loan terms are those of the Lender alone. The Lender is solely
responsible for its services to you and your interactions with the Lender are subject to such Lender's
terms, conditions and privacy policies. Please direct all questions, comments, or concerns involving
your loan to the Lender.
You expressly agree that the Company shall not be liable for any damages or costs of any type arising out
of or in any way connected with your use of this Site, including those damages or costs resulting from
your entering into a loan agreement with a Lender.
The terms of loans offered by Lenders through the Site vary by Lender. At a minimum, Site users who
complete the registration form must be at least 18 years of age, legally capable of entering into a
binding contract, and be able to provide a valid address in the United Kingdom for delivery of services.
The information we provide you on the Site may not meet your particular financial needs. You should seek
the advice of a financial professional to assess the loan information Lenders provide. Not all Lenders
can provide up to £5,000, and you are not guaranteed to receive a loan in any amount, or at the
representative rate. We do not determine the terms offered, including the rates, duration, or payment
schedule. An offer extended by a Lender is not a guarantee by any party that such offer is suitable for
your financial needs. It is your responsibility to ensure that any products or services available on the
Site or through the registration form meet your individual needs.
Credit Checking and Fraud Prevention
Although Company does not check your credit profile, make credit decisions, or determine loan terms, our
Lenders routinely use credit referencing agencies (“CRAs”) and/or fraud prevention companies to help
make relevant decisions. Company will only direct the information you provide us on the Site to such
companies; it is your obligation to ensure that your information is accurate. In order to prevent fraud
in the industry or needless rejection of your application, please enter only valid information.
Purposefully submitting false data is tantamount to a breach of these Terms and may also be treated as
an unlawful act by any Lender you are matched with.
If you have authorised any third party to enter information on your behalf, such information is deemed to
have been submitted by you. We treat joint applications as having been submitted with the consent of
We will treat your confidential information, as well as public, non-confidential information, in
accordance with the Company’s Privacy Notice, available at SterlingStore.co.uk.
You expressly affirm that information you provide on the Site is complete and accurate. We only process
information about you in accordance with our Privacy Notice.
Use of the Form
You agree to use the registration form provided on the Site in a lawful manner and for a lawful purpose.
You are prohibited from using the form in a manner that causes harm to the Company’s
Consent to Be Contacted
Please note that by submitting your Information to the Site, you consent to be contacted by a
representative of the Company by telephone, standard mail, or e-mail in regard to the service. Marketing
consent is gathered separately and you will not be contacted in regard to products and services of
interest to you unless specific consent has been provided. More information is provided in The Company’s
Third Party Information
We make no representations or warranties whatsoever concerning the products or services offered by any
third-party company, including Lenders. Any reliance you place on statements made by third parties
including Lenders is done so at your own risk. We do not endorse any opinion or claim made by any third
party including Lenders, whether or not on the Site, and expressly disclaim any responsibility and
liability for such material. Third party sites linked to the Site are not under the Company’s control,
and we expressly disclaim any responsibility for the content of third party sites. We encourage you to
review the terms of service and privacy notice of those sites.
The copyright and material on this Site is the property of Company and is protected by the copyright laws
of the United Kingdom. We provide you with a limited, non-exclusive, non-transferable, and
non-sublicensable license to use the Site solely for your personal use or your internal business
This foregoing license is limited. You therefore may not (i) use, copy, store, reproduce, transmit,
distribute, display, rent, lease, sell, modify, alter, license, sublicense, or commercially exploit the
Site (or any part thereof) in any manner not expressly permitted in these terms, (ii) reverse engineer,
decompile, disassemble, translate, or create any derivative work of the Site (or any part thereof);
(iii) access, link to, or use any source code from the Site (or any part thereof); or (iv) erase or
remove any proprietary or intellectual property notice contained in or on the Site (or any part
thereof). In addition, you acknowledge and agree that exceeding the scope of the license herein shall be
a material breach of these terms and subject to the termination provisions set forth herein.
The contents of the Site, including all software, design, text, graphics, images, photographs,
illustrations, audio and video material, artwork, databases, user interfaces, visual interfaces, sounds,
artwork, presentations in any format, computer code (including html code), products, information, and
documentation, as well as the design, structure, selection, coordination, expression, “look and feel,”
and arrangement of the Site (collectively, "Material") unless otherwise indicated, are owned,
controlled, and licensed by Company or its licensors, and is protected by the copyright laws of the
United Kingdom. Any rights granted hereby are expressly licensed. We do not grant any implied right to
You or any other person and does not transfer or assign any ownership or intellectual property interest
or title in or to the Site (or any part thereof) to you or anyone else. Your unauthorised use of the
Site (including any Material) may violate intellectual property or other proprietary rights laws as well
as other laws, regulations, and statutes.
You shall not, nor will You allow any third party (whether or not for your benefit) to reproduce, modify,
create derivative works from, display, perform, publish, distribute, disseminate, broadcast or circulate
to any third party (including, without limitation, on or via a third-party website), or otherwise use,
any Material without our express prior written consent, or the Material’s owner if we are not the owner.
All names, logos, and icons identifying us and our products and services are proprietary trademarks of
Company (or its affiliates), and any use or alteration of such marks, including, without limitation, as
domain names or account identifiers, without the express written permission of Company is strictly
The Site may include certain services that are available to you via your mobile phone or other mobile
device if you have subscribed to them, including the ability to use your mobile device to receive and
reply to messages from us, and access certain other features (collectively, "Mobile Services"). Although
we do not charge you for these Mobile Services, your mobile carrier’s normal messaging, data, and other
rates and fees will still apply to your use of the Mobile Services. In addition, downloading,
installing, or using certain Mobile Services may be prohibited or restricted by your mobile carrier, and
not all Mobile Services may work with all carriers or devices. You are responsible for checking with
your mobile carrier to determine if the Mobile Services are available for your mobile devices, what
restrictions, if any, may be applicable to your use of the Mobile Services, and costs associated with
Use shall apply.
By using the Site, You represent and warrant that (i) You are at least 18 years of age; (ii) You are
authorised to enter into these terms and conditions; (iii) You will not use the Site or the Materials
for any purpose or in any manner that violates any law or regulation or that infringes the rights of
Company or any third party; (iv) all information that You provide to us in connection with the Site
(e.g., name, e-mail address, and/or other information) is true and accurate; and (v) You are authorised
and able to fulfil and perform the obligations and meet the conditions of a user as specified in these
Terms and Conditions of Use.
Third Party Sites
Links found on the Site relating to third parties are provided for your information only. We are not
responsible for any loss or damage such links may cause due to your usage. External websites operate
under their own terms and privacy policies, which differ from those found on this Site.
THE SITE AND SERVICES ARE PROVIDED "AS-IS" AND “AS AVAILABLE.” THE COMPANY DOES NOT WARRANT, GUARANTEE,
OR MAKE ANY REPRESENTATIONS REGARDING THE USE, OR THE RESULTS OF THE USE, OF THE SITE OR SERVICES IN
TERMS OF AVAILABILITY, ACCURACY, RELIABILITY, CURRENTNESS, COMPLETENESS, FUNCTIONALITY, INTENDED
PURPOSE, OR OTHERWISE. THE COMPANY DOES NOT REPRESENT OR WARRANT THAT THE SITE OR SERVICES WILL OPERATE
ERROR-FREE, UNINTERRUPTED, OR IN A MANNER THAT WILL MEET YOUR REQUIREMENTS. THE ENTIRE RISK AS TO THE
QUALITY AND PERFORMANCE OF THE SITE IS WITH YOU. THE COMPANY HEREBY DISCLAIMS ANY AND ALL WARRANTIES,
EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, ANY IMPLIED WARRANTIES OF TITLE, NON-INFRINGEMENT,
MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR BASED ON COURSE OF DEALING OR USAGE OF TRADE. WE
DO NOT GUARANTEE THAT THE INFORMATION PROVIDED BY THE CUSTOMER OR ANY THIRD PARTY IS ACCURATE OR
COMPLETE, OR THE RESULTS TO BE ACHIEVED FROM USE OF THE SITE OR SERVICES, INCLUDING BEING MATCHED WITH
OR CONNECTED TO A LENDER.
You acknowledge and agree that the Company shall not be liable or responsible for any claim, damage, or
loss resulting, directly or indirectly, from your use of the Site or any cause beyond the Company’s
control, including, but not limited to, offers or promotions made available on the Site, failure of
electronic or mechanical equipment or communication lines, telephone or other connection problems,
computer viruses, unauthorised access, theft, operator errors, severe weather, earthquakes, or natural
disasters, strikes or other labor problems, wars, governmental restrictions, or any claim, damage, or
loss arising out of transactions or interactions between You, third party merchants or anyone else. You
specifically acknowledge that the Company shall not be liable for defamatory, offensive, or illegal
conduct of any third party and that the risk of harm or damage from the foregoing rests entirely with
MOREOVER, YOU AGREE THAT IN NO EVENT SHALL COMPANY BE LIABLE FOR ANY INDIRECT, PUNITIVE, INCIDENTAL,
SPECIAL, OR CONSEQUENTIAL DAMAGES, INCLUDING, WITHOUT LIMITATION, FOR LOST PROFITS, FOR LOST DATA,
ARISING OUT OF OR IN ANY WAY CONNECTED WITH YOUR USE OF THE SITE OR THE SERVICES, OR FOR ANY INFORMATION
OR MATERIALS AVAILABLE THROUGH THE SITE, WHETHER BASED IN CONTRACT, TORT, STRICT LIABILITY, OR
OTHERWISE, EVEN IF COMPANY HAS BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. WITHOUT LIMITATION OF THE
FOREGOING, TOTAL LIABILITY OF COMPANY FOR ANY REASON WHATSOEVER RELATED TO USE OF THE SITE, RESULTS FROM
USE OF THE SITE, OR FOR ANY CLAIMS RELATING TO THIS AGREEMENT SHALL NOT EXCEED FIVE THOUSAND BRITISH
POUNDS (£5,000.00), AS LIQUIDATED DAMAGES AND NOT AS A PENALTY EVEN IF COMPANY HAS BEEN ADVISED OF THE
POSSIBILITY OF SUCH DAMAGES. THIS LIABILITY, IF ANY, SHALL BE COMPLETE AND EXCLUSIVE.
You agree to release, discharge, defend, indemnify and hold harmless Company and its officers, directors,
employees, agents, affiliates, third party information providers, licensors, contractors and others
involved in the delivery of products, the Company’s Services or information through the Site
(collectively, "Indemnified Parties"), arising from, in connection with, or relating to, any breach of
these terms by You, including breaches arising from your submission of Information through the Site. You
agree that the Indemnified Parties will have no liability in connection with any such breach or
unauthorized use, and You agree to indemnify any and all resulting loss, damages, judgments, awards,
costs, expenses, and attorneys' fees and litigation expenses of the Indemnified Parties in connection
with these. You will also indemnify and hold the Indemnified Parties harmless from and against any
claims brought by third parties arising out of your use of the information accessed through the Services
or related website(s).
These terms shall be governed and construed in accordance with the laws of England and Wales, or by Scots
Law if you are a resident of Scotland, with such courts having exclusive jurisdiction over any claim
arising from, or relating to, your access to or use of this Site. Company reserves the right to bring
proceedings against you for breach of these terms and conditions in your country of residence or any
other relevant jurisdiction.
Any dispute arising out of or in connection with these terms shall be referred to and finally resolved by
the London Court of International Arbitration (“LCIA”) and by arbitration under the LCIA Rules, which
Rules are deemed to be incorporated by reference into this clause. The number of arbitrators shall be
one. The seat, or legal place, of arbitration shall be London, United Kingdom. The language to be used
in the arbitral proceedings shall be English. The governing law of the contract shall be the substantive
law of England and Wales (unless otherwise determined above). Where applicable, class members shall
consent to class arbitration.
Company reserves the right at any time and for any reason to terminate this Agreement with you, without
notice to you. Company shall not be liable for any damages or loss, such as loss of sales or profits, as
a result of any termination of your access to the Site or to the network in accordance with this
section. You may demonstrate your withdrawal of consent to these terms at any time by ceasing to use the
Site. However, all applicable provisions of these terms will survive termination, as outlined below. Any
licenses Company has granted, and any right to use the Site, shall immediately cease upon termination of
your Site access.
The Company welcomes your feedback and suggestions about our Site and our products or services. By
transmitting any feedback or suggestions and any related information, material, or other content
(collectively, "Feedback") to Company, you represent and warrant that such feedback does not infringe or
violate the intellectual property or proprietary rights of any third party (including, without
limitation, patents, copyrights, or trademark rights) and that you have all rights necessary to convey
such Feedback to Company. Feedback will be deemed to include a royalty-free, perpetual, irrevocable,
transferable, non-exclusive right and license for Company to adopt, publish, reproduce, disseminate,
transmit, distribute, copy, use, create derivative works, and display (in whole or in part) worldwide,
or act on such Feedback without additional approval or consideration, in any form, media, or technology
now known or later developed for the full term of any rights that may exist in such information,
material, or content, and you hereby waive any claim to the contrary.
Rights of Third Parties
No rights accruing to the user of this Site shall extend to any third party, including any counterparty,
intermediary, bank, or other third party that may be connected to you or your activity.
The provisions concerning Intellectual Property, Feedback, Disclaimers, Governing Law, Termination, and
the Miscellaneous terms will survive the termination or expiration of any agreement which you may make
with the Company, of which these Terms and Conditions of Use form a part.
Complaints and Compensation
If you have a complaint in respect of the services described in these Terms and Conditions of Use, in the
first instance, you should contact us through the form provided on this Site or write to the Head of
Compliance at Office 102, Oxford Point, 19 Oxford Road, Bournemouth, BH8 8GS. We shall investigate the
situation and if necessary, attempt to put matters right as quickly as possible. You should expect a
response within three (3) business days. Where appropriate we shall also take steps to prevent a
If you remain dissatisfied after our response, please contact the Financial Ombudsman Service, is a body
set up by law to give consumers a free and independent service for resolving disputes with financial
services firms. Further information is available at www.financialombudsman.org.uk.
Company reserves the right to change the terms and conditions of this Agreement and by which the Site is extended to you by providing you in writing or electronically a copy of such revised terms (or notice thereof). Company also has the exclusive right to provide updates, upgrades, or changes to, or to suspend, discontinue, or modify any aspect of the Site at any time. Your continued use of the Site following any such change to such Site will be deemed acceptance to be bound by any such change to this Agreement or the Site. If You have any questions about these Terms and Condition of Use, You may contact us via e-mail at: [email protected], by telephone at 0120.201.6402, or in writing sent via certified mail to: T Dot UK, Office 102, Oxford Point, 19 Oxford Road, Bournemouth, BH8 8GS, Attn: Office of the General Counsel.