This website is owned and operated by Zopa Embedded Finance Limited. All rights in this website are owned by us and any unauthorised copying, use or modification of any or all the material on this site is strictly prohibited. If you wish to use elements of our site for any means (such as for presentations or articles) then please contact us via our website.
Your use of this website is conditional upon your agreeing to these terms. If you do not agree to these Terms, you may not access or otherwise use this website.
From time to time, Zopa Embedded Finance Limited may modify these Terms. Accordingly, please review these Terms whenever using the website.
Zopa Embedded Finance Limited
First Floor, Brunswick Court, Brunswick Street,
Newcastle-under-Lyme, ST5 1HH
Registered in England and Wales under Company Number 14602085.
Zopa Embedded Finance Limited t/a DivideBuy credit agreements are not regulated by the Financial Conduct Authority and do not fall under the jurisdiction of the Financial Ombudsman Service. Credit is available to permanent UK residents aged 18+, subject to status, any missed payments may affect your ability to obtain credit from DivideBuy and other lenders. Please spend responsibly.
DivideBuy is the trading name of Zopa Embedded Finance Limited.
We have taken all reasonable steps to ensure the accuracy and completeness of the information on this site, but give no warranty and make no representation regarding its accuracy and completeness. Consequently, we accept no liability for any loss or damage (whether direct, indirect, special, consequential or otherwise) arising out of errors or omissions contained in this site. We give no warranty that the site will be available on an uninterrupted basis and accept no liability in respect of loss or damage arising out of its unavailability. We accept no liability in respect of loss or damage arising out of changes made to the content of this site by unauthorised third parties.
Access to and use of this site is at your own risk and we do not warrant that the use of this site or any materials downloaded from it will not cause damage to any property, including (but not limited to) loss of data or computer virus infection.
This site contains hyperlinks to other websites, which are hosted, operated and maintained by third parties. We have no control over the content or security of any such websites. You hyperlink to such websites at your own risk, and we make no representations and will not incur any liability in respect of the content of such website. Our inclusion of hyperlinks to such websites does not imply any endorsement of views, statements or information contained in such websites. We cannot be liable for any loss or damage, which may arise from the use of such third party websites.
The contents of this site are not intended to provide any financial, investment or professional advice and nothing on the pages of this site shall be deemed to constitute the provision of financial, investment or other professional advice in any way.
You represent, warrant and undertake that you will not do anything or cause or permit anything to be done that may infringe, damage or endanger any intellectual property rights or damage the reputation of Zopa Embedded Finance Limited or any of its associated companies or any third party or do anything that is otherwise unlawful.
You agree to indemnify, defend and hold harmless Zopa Embedded Finance Limited from and against any claims, actions, demands or other proceedings brought against Zopa Embedded Finance Limited by a third party to the extent that such claim, suit, action or other proceedings is based on or arises in connection with your use of the website and any breach by you of the Terms.
We are the owners and operators of this website, and the contents of it are our property or are used under license from our suppliers. We are the owners of the compilation and/or design of the information in this website. 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.
We grant you a limited, non-exclusive and revocable license to access our website for the purposes of browsing our product offer/offers, ordering goods or services from us, submitting reviews, facilitating a return or obtaining contact information for us. Your license 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.
We make no warranty that the website will meet your requirements, that access will be uninterrupted, timely or error-free, that defects will be corrected, or that the site or the server that makes it available are free of viruses or bugs or represents the full functionality, accuracy, reliability of the website. We will not be responsible or liable to you for any loss of content or material uploaded or transmitted through the website.
You are expressly not permitted to download any part of our site other than by normal action of your web browser or by reason of automatic page caching, to amend or modify it or any part of it, to reproduce or copy, sell, or otherwise exploit our website or any part or section 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 without our prior consent in writing or via email. You are permitted to link to our homepage, provided that the link is not misleading, false, derogatory, or otherwise prejudicial to our interests, or that of our affiliates or suppliers. You are expressly not permitted to use any of our logos or graphics either as or in connection with such a link.
This site contains registered and unregistered trademarks belonging to us. These may include graphics, logos, words, phrases and icons.
Privacy and Security
We take the safety, protection and security of your details seriously at Zopa Embedded Finance Limited, which is why whenever we collect any details from you, we will always use a secure form to do so.
We keep all of your personal information on a secure server and treat all information you provide us with as confidential. For added security, we do not keep any payment card details in our database. Instead, we use a secure payment gateway to verify all transactions and guard against fraud, which only passes a secure code to us that does not contain any sensitive data once it has approved the transaction.
We only use your personal information for the following purposes:
- Processing your order/orders.
- Administering your account where applicable.
- Communicating the status of your order to you.
- To administer this website.
- To serve website content to you.
- To notify you of special offers, products and services that you may be interested in, when opted in to.
- To run any competitions that you have opted in to.
- To administer any promotional offers or discounts that you are entitled to and have opted in to.
We will only disclose your personal information to reputable third parties (such as payment processing companies or couriers) are evolved in the processing and fulfilment of your order. We require that these companies treat your personal information as confidential and comply fully with the General Data Protection Regulation. All third parties are reviewed and vetted for their GDPR compliance. DivideBuy will never pass data onto a processor that is deemed to be non-compliant. Aside from this, we will not pass on your personal information to any third parties unless you give us your permission to do so. You will always be contacted prior to information being passed to a third party to get your permission. If the police or any other regulatory or government authority requests your personal or user information concerning an investigation into suspected illegal activities, then we will always provide it to them.
We are registered with the Information Commissioners Office, Data protection. Registration reference: ZA061952.
This information request will be fulfilled no longer than one month from receipt, and DivideBuy will make every effort to fulfil this request as quickly as possible.
Zopa Embedded Finance Limited, First Floor, Brunswick Court, Brunswick Street, Newcastle-under-Lyme, ST5 1HH
The information we collect from you is used by us to assess your creditworthiness and the affordability of your account with us, to manage your account and to make collections. It is also used to contact consumers for marketing purposes, and it is disclosed by us when legally required to do so at the request of government authorities conducting an investigation. We also use it to verify or enforce compliance with the policies governing our website and applicable laws or to protect against misuse or unauthorised use of our website.
In considering whether to enter into this Credit Agreement, we may search your (and your Guarantor’s, where applicable) record(s) at credit reference agencies. They may add to their records about you (and your Guarantor, where applicable) details of our search and your application and this will be seen by other organisations that make searches. You agree that we may do so.
We may also add to your records with the credit reference agencies details of your agreement with us, the payments you make under it and any default or failure to keep to its terms. These records will be shared with other organisations and may be used and searched by them and us to:
- Consider applications for credit and credit related services, such as insurance for you and any associated person;
- Trace debtors, recover debts, prevent or detect money laundering and fraud;
- Manage your accounts.
It is important that you provide us with accurate information. We may check your details with fraud prevention agencies and if you provide false or inaccurate information, or we suspect fraud, this information may be recorded. Fraud prevention agency records will be shared with other organisations to help make decisions on credit, motor, household, life and other insurance proposals or claims for you and members of your household.
Please write to us at our address stated if you require details of the credit reference agencies or any other agencies from whom we obtain, and to whom we pass, information about you. You have a legal right to these details. You have the right to receive a copy of the information we hold about you if you apply to us in writing.
You may have already opted-out of receiving these marketing communications from us by ticking the appropriate box on the Loan Application, but if not you may do so at any time by responding to any of our email communications with “remove” in the subject line or by contacting us at the address above.
Cookies are completely safe and do not store any personal information but allow us to understand when you visit our Website, how you use it and what products and services that might interest you. This enables us to personalize the content you see on the Website so that we show you things that are most relevant to you and to test changes to the Website to improve your online experience. For more information on cookies, you can visit the Information Commissioner’s Office website.
We use the following types of cookies:
Strictly necessary cookies. These are cookies that are required for the operation of our website. They include, for example, cookies that enable you to log into secure areas of our website, use a shopping cart or make use of e-billing services.
Analytical/performance cookies. They allow us to recognise and count the number of visitors and to see how visitors move around our website when they are using it. This helps us to improve the way our website works, for example, by ensuring that users are finding what they are looking for easily.
Functionality cookies. These are used to recognise you when you return to our website. This enables us to personalise our content for you, greet you by name and remember your preferences (for example, your choice of language or region).
We allow customers to submit material to us on this website or other websites we are affiliated to or have a presence on, such as, but not exclusive to, social media websites and video posting websites. These include, but not exclusive to, written product reviews and rates. We define the term “user-generated material” to mean any material of any kind that you submit to us, including (but not limited to) text, files, images, video or sounds. It does not include the personal information you provide when you place an order or register, or if you subsequently change that information. Other users to the website or other platforms mentioned as classed above may see the user-generated material.
If you review or submit user-generated material you agree to do so under these Terms and Conditions. If you do not want to review or submit user-generated material under these Terms and Conditions, then you should not do so.
We do not systematically review user-generated material submitted by users of this website. We are not responsible for the content of the user-generated material, and, therefore, we do not necessarily endorse any opinion contained in such material. We make no warranties or representations, either express or implied, about user-generated material, including as to its legality or accuracy. We disclaim all liability in connection with user-generated material to the extent permitted by law.
We reserve the right, in our sole discretion, to refuse to post or to remove or edit any of your user-generated material, or to restrict, suspend, or terminate your access to all or any part of this website, particularly where user-generated material breaches this clause of these Terms and Conditions and we may do this with or without giving you any prior notice.
We do not claim any ownership rights in user-generated material. However, by submitting user-generated material you hereby grant to us an irrevocable, perpetual, non-exclusive, royalty-free, transferable and worldwide license to use, reproduce, modify, prepare derivative works of, display and perform that user-generated material in any media. The license you grant us will terminate when your user-generated material is removed from our website. If you do not agree with this policy then do not submit any user-generated material.
We may link user-generated material or parts of user generated material to other material, including material submitted by other users of this website or created by us and/or other third parties. We may use user-generated material for our internal business purposes, for example, to examine trends and to use those on this website or to promote, market or advertise our interests. We will not sell your user-generated material to third parties but you acknowledge that we may indirectly commercially benefit from it.
Each time a visitor to the site submits user-generated material to us, you represent and warrant to us as follows:
You own your user-generated material or have the right to submit it, and in submitting it you will not be infringing any rights of any third party, including intellectual property rights (such as copyright or trade mark), privacy or publicity rights, rights of confidentiality or rights under contract.
Your user-generated material is not illegal, obscene, defamatory, threatening, pornographic, harassing, hateful, racially or ethnically offensive, or encourages conduct that would be considered a criminal offence, give rise to civil liability, violate any law, or otherwise inappropriate.
Your user-generated material does not advertise any product or service or solicit any business.
Your user-generated material does not identify any individual (including by way or name, address or a still picture or video) under the age of 18, and if your user-generated material identifies any individual over the age of 18, you have that person’s consent to being identified in exactly that way in your user-generated material.
The user-generated material that is submitted must not be in any way offensive or derogative to an individual or team/club.
General Conditions of Credit
Credit is only available and granted subject to status, credit checks, conditions and applications meeting Zopa Embedded Finance Limited‘s policies, to persons over 18 years old.
If you are accepted for credit, you will be required to sign a full legal agreement.
All advertisements of credit, authorised by Zopa Embedded Finance Limited, are subject to status, age and availability and do not constitute offers of a credit facility.
Initial instalment amounts shown on advertising material may vary slightly due to rounding, but the overall order total and amount repaid for the product will never be more than the order total advertised.
Our credit product is only available to UK residents.
We accept most debit and credit cards held by individuals who are UK residents.
Zopa Embedded Finance Limited is committed to responsible lending. It is important that you do not take on more borrowing than you can afford. If you have nominated a guarantor, it is important that you do not rely on us having recourse to your Guarantor if you miss your repayments, as the Credit Agreement is a personal arrangement with you, which can ultimately affect your credit rating. Remember if you run into difficulties with your repayments, please contact us immediately. We will endeavour to treat you with respect, empathy and will exercise forbearance.
The Consumer Credit Act 1974 states that irresponsible lending may be considered by the FCA to be deceitful, oppressive or otherwise unfair or improper. This conduct is incompatible with our operating principles.
We uphold the overarching principles of consumer protection and fair business practice in our consumer credit. As part of our adherence to our policies, we will only lend an amount of credit that we are reasonably satisfied that you, in your capacity, can repay throughout the duration of the Credit Agreement.
We consider each Credit decision individually based on what we know about your circumstances and your credit and repayment history. This is an automated process, but you can request that this is done manually.
We strictly observe the requirement to undertake due diligence on all our customers. This means we will not complete any transaction and send out goods until we are sure we know who you are following the provisions of the Money Laundering Regulations 2007.
There are no hidden fees or charges, so you know how much you will repay before committing to the Credit.
Changes to the Site
This Agreement constitutes the entire agreement between you and Zopa Embedded Finance Limited regarding the use of our Products, Services, and networks.