Terms of Use

Terms of Use

1.0. Website General Information
SMART-PIG.COM is a trading style of FCL CONSUMER FINANCE LTD with registered number: 7694453 and whose registered address is care of Brecher Solicitors, 4th floor, 64 North Row, London, W1K 7DA. Henceforth any use of “we”, “us”, “our” shall refer to SMART-PIG.COM. Take heed that further to the acceptance of the Terms of Website use, all products and services are subject to status and the terms & conditions of the respective products and services.

 2.0. Users of Site and Account Conduct
SMART-PIG.COM is intended exclusively to persons over the age of 18 who are resident in the UK and are currently registered on a HE course in receipt of a Student Finance Loan and/or Bursary.
2.1.      To register with SMART-PIG.COM, you must satisfy the requirements, as laid out in 2.0. Furthermore you must not be facing any disciplinary action with your registered HE provider and/or be considering leaving full time education, be it temporarily or permanently.
2.2.      You are permitted to only hold ONE SMART-PIG.COM account. Instances where users create a duplicate account omitting or adding certain personal information in order to appear as a new user, will be treated as an attempt to defraud the company. Such instances will be referred to the relevant organization for further action.
2.3.      You are under a duty to inform SMART-PIG.COM within a reasonable time, of any changes to the information you originally supplied as part of your registration.
2.4.      You will take reasonable steps to ensure that all your personal information on the devices you use to access SMART-PIG.COM is kept safe an secure as to not lead to a fraudulent application under your name.
2.5.      In keeping with Good Computer Practices and also The Computer Misuse Act 1990, you undertake to ensure that your computer is protected against viruses and other harmful cyber threats. Take heed that under the Computer Misuse ACT 1990 it is a criminal offence to use any such device, software and/or routine that interferes, be it actually or attempt, to interfere with the proper working of the website.

3.0. Limitation of Liability
The use of the Website and the materials contained in it are used entirely at your own risk. We shall not be liable for any losses or damages, whether direct or indirect, consequential or otherwise that you may suffer as a result of your use of the Website, including but not limited to computer service or system failure, access delays or interruption, data non-delivery or mis-delivery, computer viruses or other harmful components, breaches of security or unauthorised use of the system arising from "hacking" or otherwise or your reliance on the information contained on the Website.
3.1.      In keeping with Good Computer Practices, you must ensure that your device for accessing SMART-PIG.COM is virus free and has suitable virus protection software.
3.2.      From time to time, beyond our control or due to scheduled maintenance, our Website may be unavailable or your access to the site may be interrupted. You also acknowledge that we cannot guarantee that there will be no delays, failures, errors or omissions or loss of transmitted information.
3.3.      The information, material and content provided in the pages of the Website may be changed at any time without notice. Changes may be made to the Terms at any time without notice by updating this posting. Any revised term shall take effect as at the date when the change is made to the Website. You agree to review the Terms regularly and your continued access to or use of the Website will mean that you agree to any changes.

4.0. Links to Third Parties
We cannot accept any liability for the content or availability of any linked third party site. Any opinions shared or expressed in a third party link are those of the author and not of SMART-PIG.COM. In keeping with Good Computer Practice, it is your responsibility to ensure that you read the Terms and Conditions of any third party site’s products and or services. It is also your responsibility to review any third parties privacy policy and/or Website terms of use.
4.1.      You are not entitled (nor will you assist others) to set up links from your own websites to the Website (whether by hypertext linking, deep-linking, framing, toggling or otherwise) without our prior written consent, which we may grant or withhold at our absolute discretion. You are also not entitled to direct link (also known as "Hot Link") any images or content without our prior written authorization.

5.0. Intellectual Property
The use of the Website and the materials contained in it are used entirely at your own risk. We shall not be liable for any losses or damages, whether direct or indirect, consequential or otherwise that you may suffer as a result of your use of the Website, including but not limited to computer service or system failure, access delays or interruption, data non-delivery or mis-delivery, computer viruses or other harmful components, breaches of security or unauthorised use of the system arising from "hacking" or otherwise or your reliance on the information contained on the Website.
5.1.      HOWEVER, you may imprint, copy, download or temporarily store extracts from our website for your personal information. You MAY NOT republish, retransmit, redistribute or otherwise make such trademarked and/or copyrighted material available to any other party.

6.0. Privacy Policy
You are under a duty to ensure that you read our separate Privacy Policy, which you will be able to find on our website. Alternatively, you can request a copy of our Privacy Policy by e-mail at team@smart-pig.com

7.0. Governing Laws
These Agreement and any dealings with you prior to any agreement being made are governed by and construed in accordance with English law, and we and you submit to the non-exclusive jurisdiction of the English courts, unless you live in Scotland, Northern Ireland, the Channel Islands or the Isle of Man, in which case you will be entitled to commence legal proceedings in your local courts.
Warning: Late repayment can cause you serious money problems. For help, go to: www.moneyadviceservice.org.uk
Your University may be able to offer financial support and advice.
Rep Example APR 1257.84% based on: £150 for 31 days. Interest: £37.70 at fixed rate: 292% pa. Total to repay: £187.20