Celebrity Finance Terms & Conditions.

Welcome to the terms and conditions for Celebrity Finance. Please ensure you read this agreement in full. Whilst we have made this agreement as simple as possible, please feel free to call us if you need help understanding this agreement prior to engaging with us.

We would like to highlight some of the important points of the agreement; however this is not a substitute for reading the entire contract, below:

• By signing this agreement or electronically agreeing through the website, you agree that you have read, understood and accept these terms and conditions in their entirety (below).

• We are a broker and as such will pass your data to our panel of lenders and other brokers for a period of up to six-months

• The rate of interest you pay and the size of the loan you will be offered (if any) by the lender are subject to each lender’s lending criteria, and are beyond Celebrity Finance’s control.

• The administration fee of £59.50* is only refundable if strict conditions are met. These can be read below in section 6. of the agreement.

• The administration fee is charged by Celebrity Finance for trying to find you a lender or a broker or for offering its alternative credit-counselling service within a six-month period.

* correct at time of going to press but subject to change.

FULL TERMS AND CONDITIONS

Here follows the terms and conditions of application or engagement with Celebrity Finance

Definitions:

“the Fee” or “Administration fee” shall mean the administration fee payable by the consumer to Celebrity Finance.

“the Act” shall mean the Consumer Credit Act 1974

“Lender” a company able to offer a loan to consumers meeting certain criteria.

“Broker” a company able to find lenders on a consumer’s behalf.

IT IS AGREED

These terms and conditions form the basis of the agreement between Celebrity Finance (“CF”), a trading division of Callcentrix DOO, a company registered and trading in Serbia (“the CF Agreement”) and the consumer, and must be read carefully.

1. GENERAL

   1. By signing the CF Agreement or electronically agreeing through the website, you agree that you have read, understood and accept these terms and conditions.

   2. You agree to allow CF to act immediately on your behalf and to solicit you for entry into other credit agreements or transactions with us or associate companies by mail, telephone, electronic methods or other means during and after this CF Agreement has ended.

   3. You agree that CF may disclose or register details of any agreement for any purpose connected with our group’s business including disclosing details of, and relating to the transaction evidenced by any agreement to any credit reference agency unless you instruct us immediately by telephone which we will record and retain for the duration of the relevant period.

   4. The CF Agreement does not constitute a guarantee of a loan as the lender grants the final approval and evidence may be required.

   5. The illustrations referred to in telephone calls or any of our documentation whether electronic or paper-based are examples only. We do not warrant that the interest rates or repayments described are the actual rates that will be used. Such rates and agreements are determined by the lender in the light of your particular circumstances.

2. TERM

The CF Agreement will be valid for a period of six-months from the date of fee payment to CF in order to maximise the chance of acceptance.

3. LIABILITY

We will not be held responsible for any losses, financial or otherwise, resulting from any misinterpretation of these terms and conditions or the CF Agreement.

4. CELEBRITY FINANCE AGREES TO

   1. Act as your Credit Broker with the aim of securing a loan or finance.

      1. This may be achieved by an attempt to match your details with one of more of our panel of lending companies or brokers immediately on receipt of your completed application and administration fee.

   2. For your protection ensure that any loan or finance will be regulated by the Consumer Credit Act 1974 which covers any loan or finance agreement (“the loan agreement”) that you may enter into with a lender and lays down certain requirements for your protection which must be satisfied when the loan agreement is made.

5. ENQUIRIES AND SEARCHES

   1. In consideration of your application we may use the information which you give us, or we hold about you, or which we receive from any enquiries we make about you (for example from your employers or any other companies in our group).

   2. We will give out the information (whether held electronically or in a manual form) which we hold from time to time about you and the CF Agreement, to one or more credit reference agencies for adding to your record with them. The records of the credit agencies (and where relevant the fraud prevention agencies) will be shared with other organisations and may be used by us and them to:-

      1. help make decisions about credit and credit related services (such as insurance for you and members of your household); and to,

      2. check your identity to prevent money laundering; and to,

      3. prevent fraud, trace debtors and recover debts and manage your accounts.

For these purposes further searches may be made and these searches will be added to your record but they will not be shared with others.

3. We may search your records at one or more credit reference agencies who will supply us with credit information from the electoral register. The agencies will add this to your record details of our search and our application whether or not this application proceeds and this will be seen by other organisations that make searches.

4. We may use credit scoring and other automated decision-making systems.

5. It is important that you give is accurate information. We will check your details with the fraud prevention agencies and other credit reference agencies and if you give us false or inaccurate information and/or we suspect fraud we will record this with these agencies.

6. OUR SERVICES AND FEES

   1. By introducing you to a lender or broker we act only as an introducing agent on your behalf. We do not act on behalf of the lender or represent the lender.

   2. Before we consider your application you must pay the Fee in advance.

   3. If we introduce you to a lender or broker that makes you an offer of a loan then in addition to the Fee we may also receive a commission from the lender. You hereby agree that we may keep such commission for our own account.

   4. Once we have passed your relevant details to the lenders or brokers, CF’s obligations have been fulfilled in regard to the fee and the onus is upon the lender to make contact with you.

   5. Should the lender(s) or broker(s) refuse to lend to you, there is no onus on CF to continue to make applications (that are likely to be refused) on your behalf within the six-month contract period unless either:

      1. there are significant changes to lending criteria by the lender(s) or broker(s) in favour of the consumer.

      2. the consumer contacts CF and updates CF with a significant positive change of their financial status.

   6. n the instance that 6.5.1 or 6.5.2 become apparent to CF, the consumer agrees to allow CF reasonable time for CF to act upon any changes.

   7. If we are unable to introduce you to a lender that makes you an offer of a loan we may be able to offer you credit counselling services which is a service whereby we can either:

6.6.1. assist you in removing problematical credit entries which may be hindering the processing of your application.

6.6.2. assist you in managing your existing loans and debts by introducing you to a company that offers a debt management service.

8. If we offer you credit counselling we may write to let you know, however if we provide you with this service we do not guarantee that we will be able to find you a lender who will make you an offer.

9. If we are unable to introduce you to a lender that provides you with a loan within six-months of the date of your proposal, then:

   1. unless we have provided you with our own credit counselling services you have the right to repayment of the Fee less the sum of £5.00 which we are entitled to pursuant to the Act; or,

   2. If we have provided you with credit counselling services then as well as keeping the sum of £5.00 for the service we provided you as a broker we are also entitled to keep the balance of the Fee as payment for our credit counselling services.

7. MARKETING AND RESEARCH

We may contact you about services or products offered by us or other companies in our group or approved by us which we believe you may be interested in, or to carry out market research about our services or products or those of third-parties. We may also pass information to other companies approved by us so that they may contact you about services or products which they believe you may be interested in. Contact for these purposes may be by post, telephone, mobile, (but not if you or the subscriber to your telephone line has completed an application with the telephone preference service) or by other means, including mobile SMS, from time to time. In order to determine which services or products might be of interest to you, you agree that we may analyse information about you and your conduct of the account, including your payment record. Please note that to improve our service and for security purposes, we both monitor and record telephone calls.

8. LOAN INTEREST & REPAYMENT

   1. You have the right under the Act to settle the Loan Agreement at any time by giving notice in writing and paying the amount payable under the Loan Agreement (which may be reduced by rebate) as described under section 8.4 below.

   2. If you break any terms of the Loan Agreement and then fail to comply with the notice that lenders are required by law to send you, you will have to repay to the lender immediately the necessary amount as calculated using the method described in clause 3.4 below.

   3. Interest at the rate shown on the Loan Agreement (“the Total Amount Repayable”). If any payment is not met when due then the outstanding interest will itself bear interest at the annual percentage rate (“the APR”).

   4. If you wish to repay the Total Amount Payable early you may do so by paying:-
      8.4.1. all arrears of monthly payments and interest thereof; plus

2. all future monthly payments which would have fallen due if the Loan Agreement had continued without early payment; less,

3. a rebate on these monthly repayments on accordance with the Consumer Credit (Rebate on Early Settlement) Regulations 1983. You may only make partial repayment of capital by monthly repayments.

5. Irrespective of any arrangement entered into by the lender to defer any payment date, the lender reserves the right to charge interest based on the due dates shown in the Loan Agreement.

6. Any example that may be given by the lender is a typical example (generally calculated as an average of all the loans offered) and is for illustration purposes only. The actual loan offered may vary according to your personal circumstances and the lenders interest rate at the time of acceptance.

7. By entering into the Loan Agreement you authorise the lender to debit your account with the costs incurred in respect of breached of any agreement that you may enter into including bank charges on returned cheques or standing orders, court fees, tracing fees and the cost of writing letters, telephoning you and visiting your home.

8. Any monies received from you will be appropriated firstly to the costs mentioned in clause 3g, secondly to interest and thirdly to capital repayment provided that you do not notify us in writing to appropriate the monies otherwise.

9. PARTNERS

   1. If there is more than one borrower then you are both jointly and severally liable for all obligations under the Loan Agreement.

   2. In the case of a joint application where only one party is present or a sole applicant who declares a financial association with another (e.g. the name of a partner) then by signing the CF Agreement you declare that you are entitled to disclose information about your joint applicant and/or anyone else referred to by you and where the application is joint you authorise us to search for information at the credit reference agencies about both of you.

   3. For all other joint applicants, you both understand that the details of this application are recorded at the credit reference agencies will be about both of you.

   4. For all other joint applicants, you both understand that the details of this application are recorded at the credit reference agencies will be about both of you.
      (An association will therefore be created at the credit reference agencies which link your financial records. You both understand that each other’s information will be taken into account in all future applications by either or both of you and this linking will continue until one of you successfully files a disassociation with the credit reference agency.)

10. LAW

These terms and conditions and any legal action against and pertaining to Celebrity Finance are strictly subject to the laws and courts of Serbia.

11. FURTHER INFORMATION

If you would like to learn more about consumer protection and remedies provided under the Act, you should contact either your local Trading Standards Department or The Citizens Advice Bureau.)

PRIVACY POLICY

Celebrity Finance is a brand of Callcentrix DOO

Callcentrix DOO ("we" or “us”) are committed to protecting and respecting your privacy.

This policy (together with our terms of use and any other documents referred to on it) sets out how we process your personal data and your rights in respect of that data. This Privacy Policy explains the steps we take to ensure information about you is kept secure and confidential. Please read this Privacy Policy carefully as once you use our website and/or enquiry facility ("Services") you will be regarded as having read and accepted this Privacy Policy. INFORMATION WE MAY COLLECT FROM YOU

We may collect personal information about you which you give to us when you enquire about one of the products advertised on the website. In order to opt-in to receive information concerning Celebrity Finance, a user must first complete the contact form.

During registration, a user is required to give their contact information (such as name and Email address). The provision of the Services to you may also require us to store details of your transactions, together with details of your financial information.

This information is used to contact you about the services on our site for which you have expressed interest. It is optional for the you to provide demographic information (such as income level and gender), but encouraged so we can provide a more personalised service. We will periodically review your personal information to ensure that we do not keep it for longer than is necessary.

We may collect and process the following data about you:

• information that you provide by filling in any forms on our sites (“our site”) or when otherwise contacting us;

• if you contact us, we may keep a record of that correspondence;

• details of your visits to our site and the resources that you access.

IP ADDRESSES AND COOKIES

We may collect information about your computer, including where available your IP address, operating system and browser type, for system administration and to report aggregate information to our advertisers. This is statistical data about our users' browsing actions and patterns, and does not identify any individual.

For the same reason, we may obtain information about your general internet usage by using a cookie file which is stored on your hard drive of your computer. Cookies enable us to improve our service to you, estimate our audience size and usage pattern, store information about your preferences, and recognise you when you return to our site.

You can set your browser up to refuse the setting of cookies. However, if you do this you may be unable to enjoy full use of the site and you may not be able to take advantage of certain promotions we may run from time to time.

Please note that entities who advertise on our site may also use cookies, but we do not have access to them or control over them.

USES WE MAY MAKE OF YOUR INFORMATION

We use information held about you in the following ways:

• to ensure that content from our site is presented in the most effective manner for you and for your computer;

• to provide you with information, products, services or offers that you request from us or which we feel may interest you, where you have consented to be contacted for such purposes;

• to personalise aspects of our overall service to you; and/or

• to communicate with you; and/or e. to process a transaction between you and a third party.

• to notify you about changes to our service.

PASSING YOUR INFORMATION TO THIRD PARTIES

We may sell your data (or otherwise pass it on) to carefully selected third parties who may use it to contact you in relation to offers in which you expressed an interest when registering on our site.

If you do not want us to pass your details on to third parties for marketing purposes, please ensure that you do not tick the relevant boxes situated on the form on which we collect your data (the application form).

Save where you have given your consent, we do not disclose information about identifiable individuals to our advertisers. However, we may provide them with aggregate, generalised information about our users.

OPTING OUT

If you do not wish us to contact you for marketing purposes, please send an e-mail to unsubscribe at celebrityfinance dot co dot uk.

If you do not wish us to pass your details to third parties for marketing purposes, please send an e-mail to us at unsubscribe at celebrityfinance dot co dot uk.

DISCLOSURE OF YOUR INFORMATION

We may disclose your personal information to third parties:

• in the event that we sell or buy any business or assets, in which case we may disclose your personal data to the prospective seller or buyer of such business or assets;

• if Callcentrix DOO or substantially all of its assets are acquired by a third party, in which case personal data held by it about its customers will be one of the transferred assets;

• if we are under a duty to disclose or share your personal data in order to comply with any legal obligation, or in order to enforce or apply any of our terms and conditions.

THIRD PARTY WEBSITES

Our site may, from time to time, contain links to third party web sites. If you follow a link to any of these web sites, please note that these websites have their own terms and privacy policies and that we do not accept any responsibility or liability for these sites and their terms and policies.

WHERE WE STORE YOUR PERSONAL DATA

The data that we collect from you may be transferred to, stored at and processed at a destination outside the European Economic Area ("EEA"). By submitting your personal data, you agree to this transfer, storage and processing.

Although we will do our best to protect your personal data, we cannot guarantee the security of your data transmitted to our site and any transmission is at your own risk.

CHANGES TO OUR PRIVACY POLICY

Any changes we may make to our privacy policy in the future will be posted on this page and, where appropriate, notified to you by e-mail.

CONTACT

Questions, comments and requests regarding this privacy policy are welcomed and should be addressed to info at celebrityfinance dot co dot uk.