2.1. Your agreement is between Glow as lender and you to finance the purchase of eligible goods including any related delivery charges, if any (the "Financed Goods"). These terms and conditions and the payment schedule provided to you ("Payment Schedule"), constitute your "Loan Agreement". Your Payment Schedule can be located within the T&Cs PDF attached to your 'Welcome to EE Finance' email upon activation of your short term loan.

2.2. To obtain the loan, you must also enter into a contract of sale with EE in respect of the Financed Goods. The EE Terms and Conditions of Sale will apply to the purchase of your Goods (including, where applicable, returns).

3.1. Credit amount: The amount of credit is set-out in the Payment Schedule.

3.2. Your APR on the loan is 0%. Your interest rate on the loan is 0%. The APR is the annual cost of a loan including interest and any other charge for credit, expressed as a percentage of the loan amount. As we do not charge fees on your loan, your APR is the same as the interest rate.

3.3. The total charge of credit is £0.

3.4. Total amount payable for the Financed Goods is set out in the Payment Schedule.

3.5. You will not receive any cash amounts under your Loan Agreement. Instead, we will pay an amount to EE in discharge of your obligation to pay the purchase price for the Financed Goods to EE.

4.1. The duration of the Loan Agreement is set out in the Payment Schedule. You can terminate your Loan Agreement prior to the duration stated in the Payment Schedule in accordance with section [7] (Early Repayment).

5.1. The amount that you are required to pay on each payment date is set out in the Payment Schedule.

5.2. The first Regular Monthly Payment will become due and payable on the date shown in the Payment Schedule. The Payment Schedule also sets out the dates when your remaining Regular Monthly Payments will become due and payable. The dates when your Regular Monthly Payments become due and payable are calculated as the date falling one month from the date when you complete purchase of the Financed Goods. If your Regular Monthly Payments are due on the 29th, 30th or 31st, and the given month does not include these days, payment will become due on the last day of that month. For example, if your Regular Monthly Payments are normally due on the 31st of each month and the month does not have 31 days, then payment becomes due on the last day of that month which is the 30th. Where your Regular Monthly Payment date falls on a bank holiday, your payment will still be taken on such day.

6.1. Your Regular Monthly Payments will be taken using the card details you have provided to us.

6.2. You have agreed to grant us a Continuous Payment Authority – this means that we can take your Regular Monthly Payments from the payment method you provided when you applied for the loan.

6.3. We will request your Regular Monthly Payments at the amount and frequency set out in section [5].

6.4. We will only attempt to collect the Regular Monthly Repayment amount and will never attempt to collect any lesser amount unless explicitly agreed with you.

6.5. In the event that our attempt to collect a Regular Monthly Payment fails, we will not automatically re-attempt collection and you will be required to contact us to make the missed payment.

6.6. We will not charge a fee for any failed payment attempts under your Continuous Payment Authority.

6.7. If you do not make payments in full and on time, you will normally have to make an additional payment at the end of the term to cover any late payments and/or late payment fees (although you can pay late payments or missed payment fees at any time).

6.8. If your payment card expires or you change your payment card during the term of your Loan Agreement, you must amend the details of your Continuous Payment Authority via the EE Finance Customer Portal.

6.9. You can cancel your Continuous Payment Authority at any time by submitting a request online. You can also cancel your Continuous Payment Authority via your card provider. If you cancel your CPA, you will be required to make your Regular Monthly Payments each month via the EE Finance Customer Portal.

7.1. You have a right to repay all or part of the loan early at any time. You can do this via the EE Finance Customer Portal or by calling us on 0330 027 1150. Please note *03 numbers are charged at the same rate as standard landline numbers.

7.2. If you partially repay the credit early, we will apply the early repayment evenly across your Instalments. This means that the duration of your Loan Agreement will remain the same, but your monthly Instalments will decrease to smaller equal monthly Instalments with your final Instalment rounded up or down to the nearest whole pence accordingly. If you would like to keep the same monthly payments and reduce the duration of your Loan Agreement, please let us know when you contact us to make an early or partial repayment.

8.1. Missing payments could have serious consequences as further described in section [9] below. You may have to repay what you owe us early. Your credit records may be affected making it harder or more expensive to borrow in future. It could also result in legal proceedings being taken against you to recover what you owe.

10.1. The EE Terms and Conditions of Sale will set out if you have the right to cancel your order. If you exercise a right to cancel your order with EE, your Loan Agreement will be automatically cancelled as required under the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013. Consult the EE Terms and Conditions of Sale for more information.

10.2. You may be entitled to a refund in respect of any returned Financed Goods. All refunds are issued by EE in accordance with the EE Terms and Conditions of Sale and will be paid to Glow. The EE Terms and Conditions of Sale will set out the timeframes for the processing of refunds by EE. The amount of such refund will be applied by Glow against your loan within 24 hours from receipt of such refund by Glow from EE. The cost of additional delivery charges (above EE's standard delivery charge), installation or other services might not be refunded.

10.3. If you change your Financed Goods on a like for like basis during the right to return period or any of your Financed Goods is replaced in accordance with the relevant EE Terms and Conditions of Sale with EE (for example, if the Financed Goods is faulty and you are entitled to a replacement under the Consumer Rights Act 2015) and the same or like for like Financed Goods is provided but the Regular Monthly Payments and Amount of Credit do not change, your payment schedule will remain unchanged. We will let you know if a change to the Payment Schedule is required.

11.1. Due to the short-term nature of your Loan Agreement, you will not receive regular statements. Instead, you can contact the Customer Service Team on 0330 027 1150 or submit a request to obtain a copy of your statement.

12.1. You may not assign or transfer your rights under your Loan Agreement to anyone else unless we agree in writing.

12.2. We can assign or transfer our rights and/or transfer our obligations under your Loan Agreement or any part of it, on the same terms, to any third party. Your legal rights will not be affected, and your obligations will not be increased as a result.

13.1. We reserve the right to amend your Loan Agreement without your consent if we are required to do so because of changes in the law or any rules, guidance, or instructions of a regulator. If we wish to exercise such a right, we will send a notice of variation to you setting out the details of the variation before the variation not less than 30 days before the effective date of a change.

14.1. If you change the address you provided at the date of your Loan Agreement as set out above, you must give us written notice immediately of your new address.

14.2. We may send you notices via email or SMS. You must keep your email address up to date in our records by calling us on the number listed below under section [18] 'How to contact us'.

14.3. Other than as expressly stated in your Loan Agreement, if you wish to send notice or any other communication to us then you must send it in writing to the address specified under section [1] above, Contact Details.

15.1. We may share your personal information with EE Limited under the terms of our agreements to provide services under the brand "EE Finance powered by Glow". Further information can be found in our Privacy Notice.

15.2. We may also share your information relating to your Loan Agreement (including your personal information) and/or information relating to your performance under your Loan Agreement with (1) any actual or potential assignee or transferee of our rights and/or obligations under your Loan Agreement (2) any person to whom we or the assignee or transferee appoints as its agent or delegate to provide administration or debt collection services in respect of your Loan Agreement (3) credit reference agencies and (4) fraud prevention agencies, among others. Please consult our Privacy Notice for more information.

17.1. If we allow a period of time to remedy a breach or show any indulgence, or if otherwise we do not insist on our strict rights under your Loan Agreement, then this will not prevent us from insisting on our strict rights on another occasion. If we agree to a variation on one occasion, it does not mean that we must agree to it on another occasion.

17.2. Any provision of your Loan Agreement which expressly or by implication is intended to come into or continue in force on or after termination of your Loan Agreement including, without limitation sections [8], [9], [11] and [13] shall remain in full force and effect.

17.3. Your Loan Agreement does not affect or exclude any term implied by law unless they expressly say so.

17.4. If any term in your Loan Agreement shall not be enforceable, it will not affect the enforceability of all other terms.

18.1. Call our Customer Service colleagues on 0330 027 1150 or submit a request. Please note *03 numbers are charged at the same rate as standard landline numbers.

You should read these terms carefully and consider your ability to make the payments shown on the Payment Schedule before agreeing to be bound by these terms and making the payments as set out in the Payment Schedule.