General Company Information
Pepper (UK) Limited is a private limited company registered in England and Wales under Company Number 06548489, with a registered office at Harman House, 1 George Street, Uxbridge, London UB8 1QQ. Pepper (UK) Limited is authorised and regulated by the Financial Conduct Authority, and is registered with the Information Commissioner’s Office under Registration No. Z1361265. Our VAT registration number is GB 175 3059 04. Engage Credit is a trading name of Pepper (UK) Limited (“we”, “us” or “our”, as applicable).

Terms and Conditions

By accessing and using this website, you are agreeing to comply with, and be bound by, the following terms and conditions of use. If you do not agree to any part of these terms and conditions, please refrain from interacting, accessing and using this website.

We recommend that you print a copy of these terms for future reference.

This website is owned and operated by Engage Credit.

This website may contain links to websites of third parties which are not related to or controlled by us.

Access to this website is provided by us and in all respects is governed by, and subject to these Terms and Conditions. We may revise these Terms and Conditions at any time by amending this page or other pages of this website. All such amendments will be binding on you and any other users of this website. We suggest you review these Terms and Conditions regularly to ensure you are aware of all updates and amendments. These Terms and Conditions were last updated on the 16 March 2018.

We reserve the right (without notice or liability) to withdraw, suspend or amend (in whole or in part) all or any of the services or material provided on this website, to deny any user or proposed user access to this website, and/or to cease operating this website at any time, and from time to time.

We hold, and expressly reserves all rights as to, all copyrights, trademarks and/or other intellectual property rights to this website, all information and material published on it, and the Engage Credit logo.

We invite you to read our Privacy Policy found here We will process all personal information we obtain about you pursuant to this policy; and by use of this website, you consent to such processing and warrant the accuracy of all personal data you provide. For the avoidance of doubt the Privacy Policy forms part of these Terms and Conditions and we may revise the Privacy Policy at any time.

Please contact us with any questions or comments you may have regarding these Terms and Conditions, this website or any material posted on it by email to This e-mail address is being protected from spambots. You need JavaScript enabled to view it .

Prohibited Uses
You may only use this website for lawful purposes. You may not use this website:

- In any way that breaches any applicable local, national or international law or regulation.
- In any way that is unlawful or fraudulent, or has any unlawful or fraudulent purpose or effect.
- For the purpose of harming or attempting to harm minors in any way.
- To transmit, or procure the sending of, any unsolicited or unauthorised advertising or promotional material or any other form of similar solicitation (spam).
- To knowingly transmit any data, send or upload any material that contains viruses, Trojan horses, worms, time-bombs, keystroke loggers, spyware, adware or any other harmful programs or similar computer code designed to adversely affect the operation of any computer software or hardware. 

You also agree:

- Not to reproduce, duplicate, copy or re-sell any part of this website site in contravention of the provisions of these Terms and Conditions.
- Not to establish a link to this website from any other website without our prior and express written consent in each such instance.
- Not to access without authority, interfere with, damage or disrupt:


        − any part of this website;
        − any equipment or network on which this website is stored;
        − any software used in the provision of this website; or
        − any equipment or network or software owned or used by any third party.

Interactive services
We may provide interactive services on the website such as secure messaging.

Where we do provide interactive services, we will do our best to assess any possible risks for users (and in particular, for children) from third parties when they use any interactive service provided on the website, and we will decide in each case whether it is appropriate to use moderation of the relevant service (including what kind of moderation to use) in the light of those risks. However, we are under no obligation to oversee, monitor or moderate any interactive service we provide on the website, and we expressly exclude our liability for any loss or damage arising from the use of any interactive service by a user in contravention of our content standards, whether the service is moderated or not.

The use of any of our interactive services by a minor is subject to the consent of their parent or guardian. We advise parents who permit their children to use an interactive service that it is important that they communicate with their children about their safety online, as moderation is not fool proof. Minors who are using any interactive service should be made aware of the potential risks to them.

Should a concern or difficulty arise please contact us by email to This e-mail address is being protected from spambots. You need JavaScript enabled to view it .

We do not guarantee the uninterrupted access to, or continuous functionality of this website, or any part of this website. We shall not be liable if this website is unavailable, access to this website is denied or limited or any elements of this website are unavailable, malfunctioning or interrupted. Anyone using this website does so at his or her own risk.

All information and materials provided by us on or through this website (by download, link or otherwise) are provided to you solely for informational purposes, may not be used for any other purpose, and are not intended to amount to advice on which reliance should be placed.

We do not represent, warrant or guarantee the accuracy or completeness of any information or material contained in, or supplied through this website (by download, link or otherwise). Information and material on this website may no longer be up to date at any given time. We are under no obligation to update such information or material. We shall not be responsible for any loss suffered or obligation incurred as a result of any action or omission, taken or omitted to be taken by you (or any other person) as a result of reliance on any such material or information.

In so far as it is possible by applicable law, we and members of our group companies expressly exclude liability for any claims, loss, demands or damages of any kind whatsoever, with respect to use of this website, and/or inability to use this website, or any misleading information or omissions it may contain, including without limitation, (a) all conditions, warranties and other terms which might otherwise be implied by law or in equity, and (b) all direct, indirect, incidental or consequential loss or damage, whether arising from loss of revenue or income, loss of data, loss of profits, loss of business, loss of goodwill or otherwise; and whether caused by tort (including negligence), breach of contract or otherwise.

This website may contain links to certain third party companies and organisations which we believe may be of interest to you, but which are not related to or controlled by us. We do not control or review, and we are not responsible for the content, privacy practices or any other aspect of any such external websites. We encourage you to read their privacy statements, as they may differ from ours. We do not (by providing these links or otherwise) endorse or recommend any such companies or organisations, nor in any way warrant or provide any representations in respect of any products, services or information offered by them.

We shall not be liable for any damages resulting from any computer viruses or other technological impairments a user of this website might be subject to as a result of accessing or using this website, any material posted on this website or any links to this website. Nothing contained in these Terms and Conditions shall limit liability for death or personal injury arising from negligence, or for any other liability which cannot be excluded or limited under applicable law.

Governing Law, Jurisdiction and user breach
These Terms and Conditions and any disputes or matters related to access to and/or use of this website and any related non-contractual obligations arising out of or in connection with such items, shall be governed by and construed in accordance with English law.

By accessing this website you irrevocably agree to submit to the exclusive jurisdiction of the courts of England and agree that the courts of England are an appropriate and convenient forum to settle any disputes arising out of or in connection with this website and waive any right to object to an action being brought in the courts of England or any such other courts.

By using (or continuing to use this website) you agree that any failure to comply with these Terms and Conditions constitutes a material breach of these Terms and Conditions upon which you are permitted to use the website, and we may, at our sole discretion, bring any action against you related to these Terms and Conditions and/or this website as we deem appropriate including but not limited to:
- Immediate, temporary or permanent withdrawal of your right to use the website.
- Immediate, temporary or permanent removal of any information uploaded by you to the website.
- Issue of a warning to you.
-  Legal proceedings against you for reimbursement of all costs on an indemnity basis (including, but not limited to, reasonable administrative and legal costs) resulting from the breach.
- Further legal action against you.
- Disclosure of such information to law enforcement authorities as we reasonably feel is necessary or as required by law.