1.1. This 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, along with the Key Product Information, Additional Product Information and the payment schedule provided to you ("Payment Schedule"), constitute your "Loan Agreement".

1.2. 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).

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

2.2. 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.

2.3. The total charge of credit is £0.

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

2.5. You will not receive any cash amounts under this 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.

3.1. 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 3 and Additional Product Information (Early Repayment).

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

4.2. 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.

5.1. Missing payments could have serious consequences as further described in the Additional Product Information. 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.

6.1. Due to the short-term nature of this 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.

7.1. You may not assign or transfer your rights under this agreement to anyone else unless we agree in writing.

7.2. We can assign or transfer our rights and/or transfer our obligations under this 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.

8.1. We reserve the right to amend this 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.

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

9.2. 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 clause 13 'How to contact us'.

9.3. Other than as expressly stated in this 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 of the Additional Product Information.

10.1. 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.

10.2. We may also share your information relating to this Loan Agreement (including your personal information) and/or information relating to your performance under this Loan Agreement with (1) any actual or potential assignee or transferee of our rights and/or obligations under this 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 this Loan Agreement (3) credit reference agencies and (4) fraud prevention agencies, among others. Please consult our Privacy Notice for more information.

11.1. Concerning the creditor:

11.1.1. Glow Financial Services Limited is authorised and regulated by the Financial Conduct Authority (FRN 751308) for credit agreements regulated by the Consumer Credit Act 1974.

11.1.2. Glow's company registration number: 9127663

11.2. Concerning this Loan Agreement:

11.2.1. The terms of this Loan Agreement and our dealings with you are governed by English Law and are subject to the non-exclusive jurisdiction of the courts of England and Wales. If you live in Scotland or Northern Ireland, you can bring a claim in your local court.

11.2.2. We will communicate with you only in English for the duration of this Loan Agreement.

11.3. Concerning redress:

11.3.1. If you are dissatisfied in relation to this Loan Agreement, please contact us on the telephone number under clause 13, 'How to contact us'.

11.3.2. You have the right to contact the Citizen's Advice Bureau or your local Trading Standards branch.

12.1. 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 this 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.

12.2. Any provision of this Loan Agreement, which expressly or by implication, is intended to come into or continue in force on or after termination of this Loan Agreement, shall come into or remain in force as expressed or implied, including, without limitation:

12.2.1. Sections 4 and 3 of the Key Product Information

12.2.2. Sections 4 and 7 of the Additional Product Information, and

12.2.3. Clauses 7, 8, 9, 10 and 11 of these General Terms and Conditions

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

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

13.1. 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.