Legal Notice

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 pursuant to the Data Protection Act 1998 (under Registration No. Z1361265). Our VAT registration number is GB 175 3059 04. Engage Credit is a trading name of Pepper (UK) Limited.

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 accessing and using this website.

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 Engage Credit.

Access to this website is provided by Engage Credit and in all respects is governed by, and subject to these Terms and Conditions. Engage Credit 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 28th July 2011.

Engage Credit reserves 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.

Engage Credit holds, 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. You may not use any such items without our express prior written consent in each such instance other than solely in connection with your accessing and viewing this website. You may not establish a link to this website from any other website without Engage Credit's express written consent in each such instance.

We invite you to read our Privacy Policy. Engage Credit 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.

Please contact Engage Credit with any questions or comments you may have regarding these Terms and Conditions, this website or any material posted on it. Contact details are contained on the Contacts page of this website.



Engage Credit does not guarantee the uninterrupted access to, or continuous functionality of this website, or any part of this website. Engage Credit shall not be liable if this website is unavailable, a ccess 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 Engage Credit 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.

Engage Credit does 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. Engage Credit is under no obligation to update such information or material. Engage Credit 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, Engage Credit and members of its 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 contains 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 Engage Credit. Engage Credit does not control or review, and is 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. Engage Credit does not (by providing these links or otherwise) endorse or recommend any such companies or organisations, nor in any way warrant any products, services or information offered by them.

Engage Credit 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 and Jurisdiction

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; provided, that, you agree that Engage Credit may, at its discretion, bring any action against you related to these Terms and Conditions and/or this website in the courts of any other appropriate jurisdiction. You waive any right to object to an action being brought in the courts of England or any such other courts.