Terms of use app
1.1. These terms and conditions (“Terms”) set out Fluro Platform Limited’s (“Fluro”, “Our”, “Us” and “We”) relationship with you when you use the Fluro mobile application (the “App” or “Fluro App”).
1.2. You must read these Terms carefully before using the App. Your use of the App is subject to these Terms, and by using the App you agree to be bound by these Terms.
1.3. These Terms are entered into between you (the “Customer”) and us and must be read in conjunction with our:
1.4. We are here to support you. If you have any questions about these Terms or do not understand them, please email us at cx@fluro.co.uk or phone us on 020 7096 8512.
1.5. Definitions used in these Terms are set out in the Appendix.
1.6. The App offers customers an additional channel to manage their existing Fluro loan, and to obtain a quote for a new Fluro loan.
1.7. The App is currently free to use with no fees, but we reserve the right to introduce charges to our services and will inform you before these charges come into effect.
2.1. The Fluro App is provided by Fluro Platform Limited, a company registered in England and Wales under company number 08302549 with registered office at 35-41 Folgate Street, London, E1 6BX.
2.2. Fluro Platform Limited is authorised and regulated by the Financial Conduct Authority (FRN 723151). We have consumer credit related permissions which are detailed on the Financial Services Register.
2.3. We are registered with the Information Commissioner’s Office (ZA002001) and are a member of Cifas.
3.1. Your use of the App is at our sole discretion. We may reasonably, and as permitted under applicable laws, add, modify or discontinue any feature or functionality in the App at our own discretion and without further notice to you. Where a material change is made to features of the App, we will give you reasonable notice of such change in line with these Terms.
3.2. What you can do in the Fluro App:
Access to certain documents relating to your Fluro loan, including your credit agreement, annual statements, and payment schedule. Please note that the App does not contain a copy of every correspondence sent and certain documents, such as letters relating to loan arrears and defaults, will continue to be sent to you (if applicable) by post and/or email.
View a dashboard summary of your Fluro loan, including the amount borrowed, term of your loan and APR, total amount paid (to date), and other details relating to your repayments including your monthly repayment amount, next repayment date and final repayment date.
To find out whether you are eligible for a new, or additional Fluro loan, simply answer the five questions displayed under the "New Loan Quote" tab in the App.
Upon receiving your responses to the questions above, we will review this information and conduct a soft credit check on your credit report to assess whether we accept or decline your loan application. If your application is accepted, we will show you your available loan quote(s). Should you decide to accept our loan offer, you will be redirected to our Website to proceed.
Registration and Access
4.1. For customers with an existing Fluro loan, or who have previously applied for a Fluro loan:
Open the App to the "sign in" screen, and enter the email address that is registered to your existing loan account (if you have a current loan), or the email address you used in your application (if you don't have a current loan but have applied for one with us in the past). We will then send you a text message containing a security code to the mobile phone number registered to your existing loan account (if you have a current loan), or the mobile phone number you used in your application (if you don't have a current loan but have applied for one with us in the past). You can then enter the security code to sign in to the App for the first time.
For customers who have not ever applied for a Fluro loan:
You will have to register for a new account with us under the "register" screen by entering your email address and mobile phone number. A security code will be sent to your mobile number for you to enter on the App. To complete your registration, we will also ask you to provide your personal details, including (but not limited to) your full legal name, home address, and date of birth. When registering for a new account with us, you confirm that you:
- are a resident in the UK and are at least 18 years old or over; and
- are only registering an App account in your own name and on your own mobile device.
4.2. Once we have located/created your account, we will ask you to set up a new 6-digit passcode which you can use to log into the App in the future. Depending on your mobile device, you can also enable biometrics to log in instead of using your passcode.
Obligations
4.3. You must take all reasonable steps to keep your security details safe (including any passcodes and login details) and not share them with anybody else. Please contact us immediately if you discover, or suspect someone else has access to your App or your security details (eg. if your device is lost or stolen).
4.4. You must not install the Fluro App on somebody else's device and access your account through it, or allow anybody else to register and access their account (including storing their biometrics) on your device.
4.5. You are responsible for the information you give us and must keep this updated. Please promptly update your personal details if there are any changes to them.
4.6. You must provide all documentation or information that we may reasonably require to ensure our compliance with applicable laws and regulations, including information to verify your identity.
4.7. You must ensure you comply with all applicable laws and regulations when using the App.
4.8. We reserve the right, in our sole and absolute discretion, to turn down any application for registration on the App, without having to give a reason. We may be required by law to carry out checks (including checks with credit reference agencies) for the purposes of confirming your identity.
5.1. You agree to us using your information to offer and run our services on the App, and to any other lawful grounds that we may have from to use your information from time to time.
5.2. If you're no longer happy for us to use your information, please let us know and we will close your account, provided you do not have any active Fluro loans. We may keep your personal data and use it where we have lawful grounds to do so. For example, any identity verification information we need to maintain for regulatory reasons.
5.3. By agreeing to these Terms you also agree to our Privacy Notice, which contains further details about how we treat your data.
6.1. If you do not have an active Fluro loan, you can close your account on the App at any time with immediate effect by contacting us or by deleting the App.
6.2. If you do have an active Fluro loan, deleting the App or otherwise closing your account on the App will not end, or otherwise impact your loan account or credit agreement. Please follow the terms in your credit agreement or contact us if you wish to terminate your credit agreement by making an early repayment.
6.3. We may with due cause (for instance for any misuse or breach of these Terms) limit, suspend or end your rights to use the App at any time by contacting you, unless informing you would compromise reasonable security measures or otherwise be prohibited by law.
7.1. If you wish to contact us for any reason, you can phone us on 020 7096 8512 or email us:
- at underwriting@fluro.co.uk, if you have applied for a loan with us;
- at cx@fluro.co.uk, if you have an existing loan with us;
- at payments@fluro.co.uk, if you have a question about payments.
7.2. If we have to contact you or give you notice in writing, we will do so by email, phone or text message.
7.3. It is your responsibility to ensure that the contact information we have for you is up to date. You must tell us as soon as you can if there is a change to:
- Your name;
- Your address;
- Your email address; or
- Your mobile number.
7.4. We may ask you to provide more information or documentation in order to verify any changes.
7.5. We normally record and monitor telephone conversations that we have with you, and we will store recordings in accordance with applicable law.
8.1. All content and materials provided by us, including images, text, visual interfaces, information, data, and computer code, and all related Intellectual Property Rights, excluding any third party brand affiliate marketing, are the property of Fluro.
8.2. By downloading the App, we give you a non-transferable and non-exclusive right to use the App provided you agree to the following (and agree to not help anyone else do the following):
- you will not use our intellectual property, except to use the App;
- you must not change the way the App works, for instance by copying, reproducing or modifying it or any part of it;
- you must not analyse or reverse engineer the App or any part of it, that is try to reproduce it after examining how it is put together;
- you must not tamper or interfere with it in any way to affect the way it works for you or other App users;
- you will not do anything else that is unlawful or otherwise in breach of these Terms.
9.1. If you have a complaint about these Terms, the App or anything that is otherwise in relation to Fluro, please contact us in one of the following ways:
- Email us at cx@fluro.co.uk;
- Phone our support team on 020 7096 8512; or
- Send it in writing to 35-41 Folgate Street, London, E1 6BX.
9.2. Further information regarding our Complaints Procedure can be found on our Website at https://www.fluro.co.uk/complaints.
Our Liability
10.1. We will do all we reasonably can to make sure that our services on the App are not interrupted and are accessible at a reasonable speed. However, we can't promise that this will always be the case, for example where we rely on third parties to complete processes.
10.2. You acknowledge and agree that we will not be liable for any losses suffered or incurred by you other than as set out in these Terms. For the avoidance of doubt, nothing in these Terms is intended to limit or exclude any entitlement or remedy you may have available to you under applicable laws.
10.3. Our App is only for domestic and private use. You agree not to use the App for any commercial, business or resale purposes, and we have no liability to you for any loss of profit, loss of business, business interruption, or loss of business opportunity.
10.4. We do not in any way exclude or limit our liability for:
- Death or personal injury caused by our negligence; or
- Fraud or fraudulent misrepresentation.
10.5. Subject to clause 10.4, and to the extent permitted by applicable law, we are not responsible or liable to you for:
- any delays or inaccuracies in the transmission of instructions or other information (or any resulting action or failure to act) where that delay or inaccuracy is a result of factors outside our reasonable control, save that Fluro will take such action as may be reasonably practicable in all the circumstances to mitigate the effect of any such factors;
- changes made to the App or its content by unauthorised third parties;
- any breach of these Terms arising from circumstances outside our reasonable control;
- loss of profits or goodwill;
- any statement or conduct on or via the App or via the services by any unauthorised third party;
- loss of data which is caused by factors other than negligence or breach of statutory duty on the party of us or third parties we work with;
- the cost to you of obtaining goods or services as substitutes for features on the App; or
- any other loss or damage suffered by you in connection with the use of the App or these Terms outside of our control.
Warranties
10.6. You agree that your use of the App and all information, products and other content (including that of third parties) included in or accessible from us is at your sole risk.
10.7. You agree that the App is provided on an as-is and as-available basis. This means that we make no warranty that it will always be free from issues or errors, or that it will always be available to you.
Indemnification
10.8. If you do anything that is in breach to these Terms, we have the right to hold you responsible for any loss or harm we may suffer as a result.
11.1. If we suspect and/or reasonably believe that your financial affairs are subject to financial abuse, we reserve the right to:
- refuse to act on any instructions until we are reasonably satisfied that there is no financial abuse; and
- report suspicions to any legal, regulatory or governmental/local authority that we deem appropriate in the circumstances and your best interests.
11.2. Where we reasonably believe you to be vulnerable, we reserve the right to take reasonable steps to protect your best interests.
11.3. Provided at all times that we act per applicable laws and regulations and/or within our reasonable belief, you agree that we shall not incur any liability or obligation to you, or through consequence to any third party under this clause 11.
Our agreement is with you
12.1. This agreement is between you and us. No other person will have any rights to enforce any of the Terms, even if that person has relied on any such term or has indicated to any party an assent to any such term.
We can transfer our rights
12.2. Neither party shall be entitled to assign, charge, or otherwise transfer or encumber or dispose of these Terms or any of its rights, benefits (including by trust) or obligations under it in whole or in part without the prior written consent of the other party, except that we shall be entitled to, in our absolute discretion, assign or subcontract to any Fluro Group company or any company who takes over our business.
Severability
12.3. If any provision of these Terms is found to be invalid, illegal, or unenforceable, it shall apply with the minimum modification necessary to make it legal, valid, or enforceable and the remainder of these Terms shall not be affected. The parties agree to attempt to substitute for any invalid, illegal, or unenforceable provision for a valid, legal, or enforceable provision which achieves to the greatest extent possible the same effect as would have been achieved by the invalid, illegal, or unenforceable provision. The parties' obligations under the invalid, illegal, or unenforceable provision shall be suspended, to the relevant extent, whilst an attempt at such a substitution is made.
English law applies
12.4. These terms are governed by English law. This means any dispute or claim arising out of or in connection with these terms will be decided under English law, and the parties hereby submit to the exclusive jurisdiction of the English courts.
Changes to these Terms
12.5. We reserve the right to vary these Terms from time to time. We will notify you as soon as reasonably practicable before any such changes to the Terms come into effect. Our updated Terms will be displayed on the App and by continuing to use and access the App following such changes, you agree to be bound by any variation made by us.
1.1 In these Terms, unless the context otherwise requires, the following words and expressions shall have the following meanings:
Associated Company (Companies)
means a company which is a subsidiary, a holding company or ultimate holding company of Fluro, or any company which is a subsidiary of any such subsidiary, holding company or ultimate holding company. “Subsidiary” and “holding company” shall have the meanings ascribed to them in section 1159 Companies Act 2006 and “company” shall include any body corporate;
Cookie Policy
means Fluro's Cookie Policy which can be found on https://www.fluro.co.uk/documents/cookie-policy.pdf;
Fluro Group
means us and/or and any of our Associated Companies;
Intellectual Property Rights
mean all rights in and to inventions (whether patentable or not), patents, designs (both registered or unregistered), copyright, database rights, rights in computer software, trade and service marks (both registered and unregistered) and any other intellectual property right or sui generis rights, together with all rights to the grant of and applications for the same and the right to issue proceedings for passing off, and including all similar or analogous rights throughout the world and all future rights of such nature;
Privacy Notice
means Fluro's Privacy Notice which can be found on https://www.fluro.co.uk/privacy; and
Website
means www.fluro.co.uk.
1.2 Clause, appendix and paragraph headings shall not affect the interpretation of these Terms.
1.3 Person includes a natural person, corporate or unincorporated body (whether or not having separate legal personality).
1.4 Words in the singular shall include the plural and vice versa.
1.5 References to a party to these Terms herein include references to its successors in title, permitted assignees and novates.
1.6 A reference to the Companies Act 2006 is a reference to it as it is in force for the time being, taking account of any amendment, extension, or re-enactment and includes any subordinate legislation for the time being in force made under it.
1.7 “Including” means including but not limited to, or without limitation.
