If you are not satisfied with any aspect of our service, you may also want to read our complaints procedure that will explain how to make a formal complaint.
Our website is operated by CURO Transatlantic Limited trading as Juo Loans (we). We are a limited company that provides loans to eligible customers.
We are registered in England and Wales under company number 04179322 and our registered office is: Wellington Plaza, Wellington Street, Leeds, West Yorkshire, LS1 4DL.
We are authorised and regulated by the Financial Conduct Authority. Our FCA permission number is 672831.
We are registered with the Information Commissioner’s Office and our registration number is Z1687106.
You can contact us by email to firstname.lastname@example.org or by telephone on .
You must be 18 years or over and resident in the United Kingdom to register or apply for any of our services.
You may be provided with an ID and password for use on our website login area. You must keep your password private.
We have the right to disable your ID or password if we have reason to believe that you have used them or our products and services inappropriately.
If you know or suspect that anyone other than you knows your user identification code or password, you must promptly notify us at email@example.com
You must ensure that your registered details are accurate and also inform us of any changes to your details by updating the personal details section in your login area or calling our contact centre.
If you access your login area through a computer or device that you are not the sole user of then you must ensure you logout completely at the end of your visit.
We keep our terms and conditions under regular review and we will inform you of any changes on this webpage. We may change the terms from time to time for any of the following reasons:
We may also send you a letter to inform you of the revised terms or changes. The revised terms or changes will apply from the date that we publish on the website.
If you had provided expressed agreement to these terms and conditions, we will ask for your express agreement to any revision of the terms and conditions.
If you do not agree to the revised terms and conditions within the period that we have specified, you must stop using our website and we reserve the right to temporarily suspend or delete your account.
We may update our website from time to time, and may change the content at any time.
Please note that any of the content on our website may be out of date at any given time, and we are under no obligation to update it. Whilst we take steps to ensure our website is operating correctly and the information is accurate we do not guarantee that our website, or any content on it, will be free from errors or omissions.
Where our website contains links to other websites and resources provided by third parties, these links are provided for your information only.
We have no control over the contents of those sites or resources which may contain social media features. These terms and conditions only apply to our website so when you link to other websites and social media, you must refer to their own terms and conditions for website use.
You are not permitted, nor are you permitted to assist others to set up links from your own website to our website without our prior written consent that we may provide at our own discretion.
You are also not permitted to hot link any content or images without our prior written consent.
We may pay a commission to our credit broker partners if they introduce you to us for a loan.
Juo Loans and our third party licensors, where applicable, own and control all the copyright and other intellectual property rights in our website. All such rights are reserved. This includes and is not limited to the website, content and any materials downloaded.
You may view and print paper copies of the content on our website provided that this information remains subject to our intellectual property rights and our licensors where applicable. Our status (and that of any identified contributors) as the authors of content on our website must always be acknowledged.
You must not alter, edit, modify, publish, sell/rent, duplicate, transfer, distribute or exploit any material from our website for any public or commercial use without our express written consent.
Any modifications will be in connection with completing information required to conduct business with Juo Loans.
"Juo Loans" is the trade-mark of CURO Transatlantic Limited trading as Juo Loans.
You must not use our website to transmit a virus, worm, trojan horse, time bomb, trap door or any other computer code, file or program or repetitive request designed to interfere with the performance of or impair the functionality of the site.
You must not use our website to upload, post, email, transmit or post links to any content that facilitates hacking, hack into any aspect of the site, upload, post, email or transmit links to any content that is unlawful or fraudulent, circumvent or attempt to circumvent, any of the security safeguards of the site or permit any third party to do any of the above.
If you breach these provisions or we suspect that you have breached the provisions in any way, we may send you a formal warning and may suspend your access to our site. We may also report you to the relevant law enforcement authority.
The content on our website is provided for general information only. The use of our website and the information contained on it are entirely at your own risk.
We do not guarantee that completing our application form will result in us making you an offer of a loan. Although we make reasonable efforts to update the information on our website, we make no representations, warranties or guarantees, that the content on our website is accurate, complete or up-to-date.
We provide no commitment or guarantee that our website, or any content on it, will always be available or be uninterrupted. Access to our website is permitted on a temporary basis and some pages of the website is limited to specific users or members who have entered a password to access these pages.
We will not be liable for any loss or damage caused by a third party activity, viruses or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of our website or to your downloading of any material posted on it, or on any website linked to it.
If you are a consumer and we fail to comply with these terms, we are responsible for loss or damage you suffer that is a foreseeable result of our breach of these terms or our negligence, but we are not responsible for any loss or damage that is not foreseeable. Loss or damage is foreseeable if it was an obvious consequence of our breach or if it was contemplated by you and us at the time you agreed to be bound by these terms.
If you are a business customer we shall have no liability to you arising under or in connection with the use, inability to use, or results of the use of our website, any websites linked to it and any materials posted on it for any a) loss of profit, sales, business or revenues; b) loss of business opportunity; c) business interruption; d) loss of anticipated savings; e) loss of goodwill; f) loss of data; or g) any indirect or unforeseeable loss which may arise from your use of our website.
Nothing in these terms and conditions excludes or limits either ours or your liability for death or personal injury caused by negligence or for fraud or fraudulent misrepresentation, or any other liability that cannot be excluded or limited by law.
If you are a consumer, (which means that you are using the site for personal purposes), these terms are governed by and interpreted in accordance with English law. The courts of the England and Wales will have non-exclusive jurisdiction in respect of any dispute which may arise. If you are a business, these terms are governed by English law and are subject to the exclusive jurisdiction of the courts of England and Wales.
When we provide you with the details of a certified ADR provider, we will confirm to you whether we are willing to use ADR to resolve your complaint.