Buyer Protection Policy

In our buyer protection policy you will find we are committed to our clients safety & security

This Agreement is a contract between you (you or your) and PLIM Ltd (PLIM). It sets out the terms and conditions of use of our services relating to the management of the Customers’ payment for goods and services to Merchants (the “PLIM Services”) which PLIM provides through www.Plim.co.uk and our application for mobile and handheld devices (the “Platforms”) and upon which you may pay for goods or services purchased from one of PLIM’s authorised merchants (the “Merchant”) through PLIM advancing an interest free loan (“Loan”) to you.

By registering to use the PLIM Service, you acknowledge and agree to be bound by the terms and conditions of this Agreement.

Introduction

  1. In these terms:

Business Day means any day except:

  1. a Saturday or Sunday; or
  2. any other day the whole or any part of which is observed as a public holiday in London, United Kingdom.

PLIM Account means an account that PLIM creates to enable you to (a) use the PLIM Service; (b) enable you to access information relating to this Agreement and each Payment Plan; and (c) to issue notices to you under this Agreement and any Loan Contract.

  1. These terms set out the basis on which you are able to access and use the PLIM Service. If there is any inconsistency between these terms and any other terms set out on the Website, these terms will prevail (except as expressly contemplated by these terms).
  1. Before you register with us or use the PLIM Service, you should read this Agreement as well as PLIM’s Privacy Policy which can be found here [INSERT LINK] and which is incorporated by reference into this Agreement.
  2. In summary, the PLIM Service operates as follows:
  1. you will register with PLIM to use the PLIM Service;
  2. you will select a Merchant that is offering the option to pay for goods and services using the PLIM Service and in the event that the Merchant is required to confirm that you can use the PLIM Service to pay for goods and/or services from that Merchant, subject to the Merchant’s confirmation being provided;
  3. you will apply for a Loan to pay the Merchant; and
  4. If your application for a Loan is approved by PLIM:

            -    Then you and the Merchant will each receive a confirmation, following which your transaction with the Merchant will be completed and the Merchant will deliver or provide the relevant goods and/or services to you.

            -    A nominal admin fee of £3 (including VAT) will be charged to the customer for obtaining the Credit Score (CS) 

Registration as a Customer

  1. In order to access and use the PLIM Service, you must register as a Customer by completing the online Customer application which can be found at the point of signing up a new account on http://app.plim.co.uk (the “Customer Application”). The Customer Application will collect personal information from you, which will be used by and disclosed by PLIM, on the terms set out in the Privacy Policy, which can also be found when signing up a new account on http://app.plim.co.uk, which you agree will be binding on you.
  2. You may also be directed to the Platforms following receipt of a request to register with PLIM from a Merchant as part of an in-store or online purchase process.
  3. PLIM reserves the right not to register any person as a Customer if that person has not completed the registration process to PLIM’s satisfaction or does not meet PLIM’s eligibility criteria set out in clause 9.
  4. You may be required to renew your registration with PLIM from time to time. We will notify you if this is necessary.
  5. PLIM’s eligibility criteria for registering as a Customer are:
    1. You must be a natural person (that is, not a company, partnership, trust, or other legal entity);
    2. you must be a permanent United Kingdom resident or a temporary resident holding a valid visa, which PLIM will take steps to verify;
    3. you must have a bank debit card or credit card (Visa or MasterCard) to use the PLIM Service;
    4. you must be 18 years of age or older when you register; and
    5. you must have an acceptable credit record, as determined by PLIM at its discretion. You agree to provide any necessary information required by PLIM to assist with PLIM’s determination of your credit record.
  6. PLIM will complete a credit check in relation to you before approving your registration as a Customer.
  7. PLIM may terminate or suspend your registration as a Customer at any time by notice to you if PLIM reasonably believes that you are not complying with these terms or are otherwise not using the PLIM Service for its intended purpose.
  8. You may terminate your registration as a Customer at any time after you have repaid all money owing under this Agreement and any promissory note or any other contract under which that Loan is advanced (the “Loan Contract”) and once repaid, you may close your PLIM Account by notifying PLIM through the Platforms or by email at [email protected]
  1. In the event of default or non-payment, PLIM reserves the right to blacklist the defaulting account from accessing or using the PLIM Services in the future.
  1. If your registration is terminated or suspended, these terms will continue to apply in respect of any outstanding loan amounts.
  2. Subject to clause 13, these terms will apply to you for so long as you are registered as a Customer.

Account Security

  1. You are responsible for maintaining the security of your PLIM Account and password details. We will not take responsibility for unauthorised access and use of your PLIM Account unless such unauthorised access or use was caused by our failure to take reasonable steps to prevent such access and use.
  2. You acknowledge and agree that all use of your PLIM Account (whether with your authorization or not) will:
    1. be deemed use by you for the purposes of this Agreement and any Loan Contract entered into hereunder; and
    2. will not affect your obligations under the Agreement except to the extent that any use of your PLIM Account by an unauthorised third party is due to our negligence, wilful misconduct or breach of this Agreement.

Loan Process

  1. You can only use the PLIM Service with the Merchants that are listed on the Platforms. PLIM may from time to time introduce new Merchants who will be added to the Platforms.
  2. Your Loan application must be approved before you can use the PLIM Service with a Merchant. You may apply at any time for a specific Loan after you have completed the registration process. However, PLIM does not guarantee a successful approval of any Loan application and the PLIM Service will not be available to you and you will not be approved for further Loans, if you have not made a payment due under a Loan Contract on or before the due date.
  3. Each Merchant has the discretion to decide whether to enter into a transaction with you using the PLIM Service, including transactions relating to the part-payment of any goods or services provided by the Merchant.
  4. PLIM provides the PLIM Service and has not manufactured or supplied any goods or services supplied by a Merchant. PLIM does not make any representation or warranty about a Merchant’s goods or services or their availability at any time and you acknowledge that you have not relied on PLIM’s skill, opinions or judgement in any way in relation to any goods or services acquired from a Merchant. You should read the Merchant’s terms and conditions regarding its sale of goods and provision of services.
  5. As part of the Loan application, you must provide PLIM with details of your debit or credit card with a registered bank in the United Kingdom, from which payments are to be made by you in respect of your Loan. By providing those details, you agree to PLIM (or PLIM’s agent) establishing a payment arrangement against that debit or credit card on the terms of the Direct Debit Request and Direct Debit Service Agreement attached to these terms for the amounts payable by you under these terms and any Loan Contract.
  6. Once your Loan application has been approved, you will be able to accept the Merchant’s offer and, on acceptance, you and the Merchant will simultaneously receive notification that the transaction has been completed and a Loan Contract will be in effect between you and PLIM under which PLIM will agree to advance the Loan Amount to you and you will repay the Loan on the terms of the Loan Contract.
  7. You agree and acknowledge that if you receive notification from PLIM that a transaction has been completed, you are bound to complete the purchase of the relevant goods and/or services and you give us irrevocable and unconditional consent and direction to pay the Merchant on your behalf. You agree and acknowledge that any dispute, breach, defect or other issue in respect of a transaction with the Merchant does not affect your obligations under this Agreement or the relevant Loan Contract.

Settlement

  1. Your Loan will be deemed to be advanced to you (by way of settlement of the sale and purchase of the goods and/or services with the relevant Merchant) immediately after PLIM has provided you and the relevant Merchant with a notification confirming that the transaction has been completed. Your Loan will be on the terms of the Loan Contract offered to you by PLIM at the time the transaction is completed and will require you to make any scheduled repayments to us by instalments at the scheduled times in accordance with the terms of the Loan Contract.
  2. PLIM will be responsible for paying the Merchant for the goods or services you have agreed to buy from that Merchant.

Repayments

  1. You must pay all amounts required to be paid by you under a Loan Contract to PLIM on or before the applicable due date(s) set out in the Loan Contract.
  1. Please note that all non-repayments will be reported to the CRA and will have an impact on your credit score.
  1. PLIM will automatically deduct payments due on the scheduled dates in accordance with your Loan Contract and the Direct Debit Service Agreement. Subject to the terms of the Agreement, you hereby expressly consent to, authorise and instruct PLIM to deduct the payment amounts from the credit or debit card nominated by you in your Account details. You may update or change your preferred debit or credit card details in your PLIM Account at any time. You must ensure that you have sufficient funds available on the debit or credit card nominated by you in order to make the payments due on the due date for payment specified in your Loan Contract.
  2. You are liable for any fees or charges imposed by your debit or credit card provider except to the extent that they are imposed as a result of our error or system failure. If the automatic payment process fails (for example because your credit or debit card has expired) you authorise us to debit your credit or debit card at a later time or date to satisfy any liability you owe to us.

Your Obligations

  1. By holding an Account with PLIM, you agree that you must:
    1. comply with the terms of this Agreement, the Loan Contract and any other terms communicated to you by PLIM;
    2. Not provide us with information which is false or misleading or inaccurate;
    3. Provide and update contact details through your PLIM Account on the Platforms;
    4. Not use the PLIM Service or your Account for any unlawful, fraudulent or improper activity;
    5. Cooperate with us fully to investigate any suspected unlawful fraudulent or improper activity on your PLIM Account;
    6. Not permit anyone else to use your PLIM Account or disclose your Account password details to any one else;
    7. Contact us immediately if you believe that your PLIM Account is subject to any unauthorised transaction, Account takeover, fraudulent activity or security breach;
    8. Not open or use more than one PLIM Account ;and
    9. You will contact us as soon as possible if you cannot make payments on time.

Collection Services

  1. PLIM will provide (by itself or through a third party) collection and enforcement services (collectively, Collection Services) in respect of your Loans. The Collection Services include:
    1. monitoring all payment obligations under each Loan Contract;
    2. taking appropriate steps to contact you for payment arrears and to remedy a payment default.
      You agree to pay any and all costs incurred as a result of Collection Services.
  2. PLIM (or its agent) will be entitled to process additional direct debit payments to cover any collection fees payable by you.
  1. In the event that you should decide to unauthorise PLIM from direct debits, PLIM holds the right to report the outstanding amount as default and take set out actions specified PLIM for Default payments.
  1. If PLIM owes you any money, we will be entitled to set-off the sum we owe you against any debt you owe us under this Agreement.
  2. When you apply for an Account, we make a full credit search with credit reference agencies who will supply us with credit information. The agencies will record details of the search, which can be seen on your credit file, whether or not credit is granted. This record will also be visible to third parties and may affect other organizations’ future decisions on whether or not to provide you with credit. We will report information to credit reference agencies about the payments you make, and about any payments that you fail to make on time.

Returns and Refunds

  1. Returns and refunds are subject to each Merchant’s policy. PLIM will only provide a refund if the relevant Merchant approves the refund for the relevant services you paid for using PLIM.
  2. You are responsible for contacting the relevant Merchant to request a refund and cancel a subscription.
  3. If purchased services have been cancelled in line with the policy and accepted by the Merchant they will notify PLIM and:
    1. PLIM will only process refunds and cancellations for loans where only initial deposit has been paid. 
    2. If the relevant Loan (or part thereof) is cancelled, the Loan Contract will be cancelled (along with any direct debit authority you have provided in relation to that Loan)
  4. PLIM will process refund of deposit paid based on the total value of the treatment after deducting cancellation fees as below:
    1. For Total value of the treatment between £101- £1000 - Cancellation charge = £10
    2. For Total value of the treatment between £1001- £3000 - Cancellation charge =  £15
    3. For Total value of the treatment between £3001- £5000 - Cancellation charge =  £25
    4. For Total value of the treatment more £5000 - Cancellation charge =  £27
  5. PLIM will email the Customer with details of the refund. The refund process may take 4-6 weeks varying based on cases. You acknowledge that you are giving us the authority to process any refunds due to you to the credit or debit card nominated in your Account details.

Warranties

  1. You warrant to PLIM that:
    1. all information you provide to PLIM is true, accurate, and complete, and there is no information which has not been provided which would impact on PLIM’s decision to register you as a Customer or to make a Loan available;
    2. you will provide PLIM with updated information in respect of any Loan or personal information if any of your circumstances have changed from the time you submitted your application;
    3. you will use an alternative bank debit or credit card if your card that is registered on your Account expires before your last Loan repayment instalment; and
    4. if your residential address, email address, or telephone number changes, you will immediately provide PLIM with notice of the change and update the dashboard with your revised information.

Liability

  1. You acknowledge and agree, in respect of PLIM, and its respective employees, directors, officers, agents and contractors (together, relevant persons), that none of the relevant persons will be liable in respect of:
    1. any failure to provide the PLIM Service; or
    2. any failure to comply with this Agreement, if the failure or non-compliance is caused by events beyond its reasonable control; or
    3. any failure by you to be offered a Loan at any time.
  2. To the maximum extent permitted by law, PLIM will not be liable for any loss or damage which you incur as a result of the PLIM Service and or the Platforms being unavailable. Nothing in this Agreement is intended to exclude our liability which cannot be excluded under applicable law.
  3. You acknowledge that you do not rely on PLIM’s skill or judgement as to the suitability or otherwise of the PLIM Service for your specific needs.
  4. You acknowledge and agree that PLIM and its Related Companies may be paid a commission or other financial benefit by the Merchant and/or by the person providing funding for the Loan in connection with any Loan or the PLIM Service.

Communications

  1. You have agreed to receive all communications from us in electronic form. Communications (including any amendments to the Agreement) will also be provided to you in any of the following ways by notice (i) posted on our website (where permitted under the Agreement) or (ii) being sent to your email address.
  2. You must provide notices to PLIM by email to the email address below. If you have any questions about the PLIM Service or these terms, please contact PLIM as follows: [email protected]

Dispute Resolution

  1. PLIM will not resolve any dispute you may have with a Merchant regarding any goods or services you have purchased using the Service. Please contact the relevant Merchant directly. The outcome of any dispute with a Merchant does not affect PLIM’s rights and remedies under this Agreement or the Loan Contract except as expressly provided in clause 31-35.
  2. If you have a dispute with us, PLIM suggests you contact PLIM first and it will do all it can to resolve the dispute as soon as possible: Email: [email protected]

Amendments to Agreement

  1. Subject to clause 24, PLIM may amend this Agreement and the way in which PLIM provides the PLIM Service, at any time by notice on the Platforms. You should check the Platforms regularly. Where we make material changes to this Agreement we will provide you notice as soon as is reasonably possible (and give at least 10 Business Days’ notice). Any such amendments will apply from the date stated on the Platforms.
  2. Please read the revised version of the Agreement carefully before you make a purchase using the PLIM Service. If you do not agree with the revised version of the Agreement, do not make any further purchases using the PLIM Service.
  3. For receiving a digital copy of the current terms of the agreement, email us at [email protected]
  4. If you do not agree with any changes we make to this Agreement, you may terminate this Agreement by repaying all money owing under this Agreement and any Loan Contract and once repaid, closing your PLIM Account.

Assignment

  1. You may not transfer or assign any of your rights or obligations under these terms without PLIM’s prior written consent.
  2. PLIM may transfer or assign all and any of its rights and obligations under your Loan Contract or this Agreement to any person, without requiring your consent.

Anti-Money Laundering Obligations

  1. PLIM has initial and ongoing customer due diligence and other obligations under Anti-Money Laundering legislations. You agree promptly on request by PLIM to provide it with any information and documents that are reasonably required to enable PLIM to comply with those obligations.

Governing Law

  1. This Agreement, its subject matter and formation (and any non-contractual disputes or claims) are governed by the laws of England and Wales. You agree that the English courts will have non-exclusive jurisdiction.

Definitions

Interpretation

  1. In these terms:
    1. headings are inserted for ease of reference only, and do not affect the interpretation of these terms;
    2. references to you or your means the Customer;
    3. references to the singular include the plural and vice versa;
    4. references to a person include an individual, company, corporation, partnership, firm, joint venture, association, trust, unincorporated body of persons, governmental or other regulatory body, authority or entity, in each case whether or not having a separate legal identity;
    5. reference to any party includes its permitted assignee or transferee;
    6. any reference to PLIM includes any entity appointed to replace it;
    7. reference to the “liability” of a person include references to its liability under any cause of action, whether in contract, tort, or equity or under any enactment;
    8. references to any document (however described) are references to that document as modified, novated, supplemented, varied or replaced from time to time and in any form, whether on paper or in an electronic form; and
    9. a reference to any legislation is a reference to that legislation as amended or replaced from time to time, and includes any regulations or legislative instrument made under it.

Direct Debit

Direct Debit is an automated process that makes your PLIM repayments from the credit or debit card of your choice.

DIRECT DEBIT REQUEST

Request and Authority to debit your credit or debit card to pay PLIM Limited (“PLIM”)

Request and Authority to Debit:

“You request and authorise PLIM to arrange, through its own financial institution, for any amount PLIM may debit or charge your nominated credit or debit card.

This debit or charge will be made from your nominated debit or credit card and will be subject to the terms and conditions of the Direct Debit Request Service Agreement.”

Acknowledgement:

By authorising this Direct Debit Request you acknowledge having read and understood the terms and conditions governing the debit arrangements between you and PLIM as set out in this Request and in your Direct Debit Request Service Agreement.

Payment Details:

This authorisation is for all payments required to be made under the PLIM Customer Terms and Conditions and any Loan Contracts entered into by you.

Electronic Signature:

You authorise and agree to the terms of this Direct Debit Request and the Direct Debit Service Agreement.

Direct Debit Service Agreement

This is your Direct Debit Service Agreement with PLIM. It explains what your obligations are when undertaking a Direct Debit arrangement with us. It also details what our obligations are to you as your Direct Debit provider. Please keep this agreement for future reference. It forms part of the terms and conditions of your Direct Debit Request (DDR) and should be read in conjunction with your DDR authorisation.

  1. Definitions

Account means the debit or credit card account held at your financial institution from which we are authorised to arrange for funds to be debited.

banking day means a day other than a Saturday or a Sunday or a public holiday.

debit day means the day that payment by you to us is due.

debit payment means a particular transaction where a debit is made.

direct debit request means the Direct Debit Request between us and you.

us or we means PLIM (the Debit User) you have authorised by requesting a Direct Debit Request.

you means the Customer who has signed or authorised by other means the Direct Debit Request.

your financial institution means the financial institution nominated by you on the DDR at which the Account is maintained.

  1. Debiting your Account
    1. By signing a Direct Debit Request or by providing us with a valid instruction, you have authorised us to arrange for funds to be debited from your nominated debit or credit card. You should refer to the Direct Debit Request and this Direct Debit Request Service Agreement for the terms of the arrangement between us and you.
    2. Signing electronically: You consent and agree to signing a Direct Debit Request or providing us with a valid instruction electronically.
    3. We will only arrange for funds to be debited from your nominated debit or credit card as authorised in the Direct Debit Request or on alternate terms proposed by You and accepted by Us.
    4. If the debit day falls on a day that is not a banking day, we may direct your financial institution to debit your nominated debit or credit card on the following banking day. If you are unsure about which day your nominated debit or credit card has or will be debited you should ask your financial institution.
  2. Amendments by us

We may vary any details of this Direct Debit Request Service Agreement or a Direct Debit Request at any time by giving you at least fourteen (14) days written notice.

  1. Amendments by you
    1. You may change*, stop or defer a debit payment, by providing us with at least 7 days notification via email to [email protected]
    2. or arranging it through your own financial institution, which is required to act promptly on your instructions.
  2. Your obligations
    1. It is your responsibility to ensure that there are sufficient clear funds available on your nominated debit or credit card to allow a debit payment to be made in accordance with the Direct Debit Request.
    2. If there are insufficient clear funds to meet a debit payment:
      1. you may be charged a fee and/or interest by your financial institution;
      2. you may also incur fees or charges imposed or incurred by us; and
      3. you must arrange for the debit payment to be made by another method or arrange for sufficient clear funds to be available on your nominated debit or credit card by an agreed time so that we can process the debit payment.
    3. You should check your Account statement to verify that the amounts debited from your Account are correct.
  3. Dispute
    1. If you believe that there has been an error in debiting your Account, you should notify us directly on [email protected] and confirm that notice in writing with us as soon as possible so that we can resolve your query more quickly. Alternatively, you can take it up directly with your financial institution.
    2. If we conclude as a result of our investigations that your Account has been incorrectly debited we will respond to your query by arranging for your financial institution to adjust your Account (including interest and charges) accordingly. We will also notify you in writing of the amount by which your Account has been adjusted.
    3. If we conclude as a result of our investigations that your Account has not been incorrectly debited we will respond to your query by providing you with reasons and any evidence for this finding in writing.
  4. Accounts

You should check:

  1. your debit or credit card details which you have provided to us are correct by checking them; and
  2. with your financial institution before completing the Direct Debit Request if you have any queries about how to complete the Direct Debit Request.
  1. Confidentiality
    1. We will keep any information (including your nominated credit or debit card details) in your Direct Debit Request confidential. We will make reasonable efforts to keep any such information that we have about you secure and to ensure that any of our employees or agents who have access to information about you do not make any unauthorised use, modification, reproduction or disclosure of that information.
    2. We will only disclose information that we have about you:
      1. to the extent specifically required by law; or
      2. for the purposes of this Agreement (including disclosing information in connection with any query or claim).
    3. For security and compliance reasons debit card details are not stored by us. We store the information as a secure token only, which represents your card number, and this secure token is used when processing your payments.
  2. Notice
    1. If you wish to notify us in writing about anything relating to this Direct Debit Service Agreement, you should email to: [email protected]
    2. We will notify you by sending a notice via email as per the electronic consents you have provided, or, in the ordinary post to the address you have given us in the Direct Debit Request.
    3. Any notice will be deemed to have been received on the third banking day after posting