Our Terms & Conditions

In these Terms and Conditions, "we", "our" and "us" means Noggin HQ LTD and "you" and "your" means any person who uses our Website, located at: https://www.nogginhq.com/ and https://www.nogginmobile.com/ (our “Website”).

Noggin HQ is an online Credit Broker and provider of Credit Information Services, which are activities subject to the Financial Conduct Authority’s (FCA) regulatory oversight. We also offer via our Website the ability to pay via instalments for certain devices purchased from Noggin HQ Ltd directly (our phone contract). This is done as an unregulated Lender and Supplier, which is an activity not subject to the FCA’s regulatory oversight due to exemptions.

• Through our Website we offer comparison services in relation to certain credit products and credit-related products made available for purchase on the Website of our Partners (“partners”). There is no requirement to Create an Account or Sign-Up to use and access this service.

• Through our Website we also offer a phone contract as an unregulated (sometimes referred to as exempt) Buy Now Pay Later (BNPL) agreement. This phone contract is supplied by Noggin HQ Ltd and is available to purchase from us directly and not through our Partners.

• This phone contract seeks to improve our service to customers who are financially excluded as a result of credit check barriers, for example, due to lacking credit history data. As this is an unregulated credit product, it is not possible to make a complaint to the Financial Conduct Authority.

• The application process requires customers to create a Noggin HQ account. Please see section 2 to learn more about the application process.

• We reserve the right to determine who is eligible to purchase a phone contract based on the internal checks and due diligence process we choose to carry out. At this time, Open Banking data checks are what we rely on to determine eligibility.

• We reserve the right to engage the services of third parties to fulfil legal obligations as set out contractually to deliver our phone contract product, for example, postage & packaging.

• For certain products purchased from our partners, within your Noggin HQ account, we offer the ability to track the monthly payments you make throughout the contract. This is only applicable to certain products, and only in the event you sign up and request this service ahead of making a purchase. As part of this service, once a month we update this data on your behalf to give you a better picture of your financial standing. You can ask us to stop processing this data at any time by contacting support@nogginhq.co.uk.

If you are unsure about any aspect of these Terms & Conditions, or have any questions regarding our relationship with you, please reach out: support@nogginhq.co.uk.

You can Apply for a phone contract using our Website and by following the instructions to Apply. You may only use our services once we have accepted your Application, and we are under no obligation to accept your Application. In order to Apply for a phone contract you must: (a) be resident in the UK (excluding the Isle of Man and the Channel Islands); (b) be 18 years of age or older; and (c) have a valid debit card issued in the UK that is not a credit card, corporate card or proxy card.

Our Application process allows you to check and amend any errors before submitting your Application to us. Please check the Application carefully before confirming it. You are responsible for ensuring that your Application is complete and accurate. You must agree to the terms of this agreement when submitting your Application.

In Applying for a phone contract you must Create an Account with Noggin HQ. This is to ensure that the details and data you share with us is stored correctly and in line with GDPR. You may Sign-In to your Account to Manage your phone contract and Manage consent as it relates to the sharing of Open Banking data.

Our acceptance of your Application takes place when we send an email to you and confirm that we can offer you a phone contract, and confirm delivery details. We can only confirm delivery details once we have received the first payment and collected a direct debit mandate for future payments, as well as completed Know Your Customer (KYC) checks and we have confirmed Proof of Address and Date of Birth.

Only once the first payment has been made will the contract become valid - the contract is considered void should payment not be received. Once initial payment is received, this triggers final identification verification checks. Should these be successful, we will look to process your order within 24 hours. We reserve the right to cancel your order should your Application fail verification checks at any stage. Should we cancel your order, we will process a refund within 14 working days of receipt of the initial payment.

Before we accept your Application we carry out relevant eligibility checks using Open Banking data, and identification verification checks. If the checks are not satisfactory we may decline your Application at any stage. If we decline your Application on the basis of this information we will inform you of our decision.

We can only make our services available to you whilst you are resident in the UK (excluding the Isle of Man and the Channel Islands) and have a UK debit card that you are authorised to use and have registered with us. Our services cannot be used in connection with credit cards, corporate debit cards or proxy cards.

You have the right, upon request, to obtain a copy of this agreement.

You will not be charged for using our Website. Instead, when you use our price comparison Website to buy a product from a third party, that third party likely pays a commission to us. This commission is bespoke to the product you buy, generally the more expensive, the higher the commission. However, we will never promote products where we earn a higher commission over others. The commission earned will never play a role in the products we show you or how we rank them.

For our phone contracts, you are charged a monthly instalment for 11 months to cover the cost of the handset. This is a 0% interest product.

Noggin HQ LTD is registered in England and Wales (Company number: 13409453) and our registered address is Toffee Factory Lower Steenbergs Yard, Walker Road, Newcastle Upon Tyne, England, NE1 2DF.

We are authorised and regulated by the Financial Conduct Authority (FCA) and our reference number is: 993735. You can check this on the Financial Services Register by visiting the FCA's website: http://www.fca.org.uk/register

Our Website enables you to access our online service which compares credit and credit-related products. It also allows you to apply for a phone contract, as an exempt BNPL agreement.
Creating an account enables you to opt-in to track your payments via your Noggin HQ dashboard. It also allows you to periodically participate in our research.
You are only permitted to use our Website if you are a UK resident and you are using it for personal use.
You are not permitted to do anything that may affect the security of our Website or any information or material stored within it.
You may not operate any link to our Website without first obtaining our written permission. Any such permission may be revoked without notice and we reserve the right to require you to remove any link immediately and at any time.

You must keep your password confidential and it must not be disclosed to or shared with anyone. You are solely responsible for all use of your account on our Website.
Where you connect a bank account to your account via Open Banking, this must be your own personal account.
You must not misuse our Website by knowingly introducing viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not attempt to gain unauthorised access to our Website, the server on which our Website is stored, or any server, computer or database connected to it.

We are responsible to you for:

A. Any statements made by our employees to you which are not true statements of fact and which are made by that employee with fraudulent intent; and

B. Any statements made by our employees to you which are misleading or untrue.

C. Except in the case of (A) or (B) above (where our liability to you is unlimited), our liability to you will be limited to the upper level of our insurance limit which may vary from time to time.

D. Any claim you may have against us for a personal injury or in respect of your death if caused by our negligence.

Any reliance that you may place on any material or commentary posted on our Website. Please note that nothing contained in our Website or the material published on it is intended to amount to advice on which you should rely; or

Any losses you suffer because the information you put into our Website is inaccurate or incomplete; or

Any losses you suffer if the information you put into our Website is accurate but the Partner Website has not accurately reflected that information because its system is not working correctly; or

Any losses you suffer if you misrepresent any fact which may influence a lender or intermediaries decision to accept the risk or the terms offered; or

Any losses you suffer because you cannot use our Website at any time; or

Any losses you suffer through connecting to any linked third party Websites or any statements, information, content, products or services that are published on, or may be accessible from, any linked third party Website and we do not guarantee that they are free from viruses or anything else that could be infectious or destructive; or

Any errors in or omissions from our Website; or

Any losses you may suffer by relying on any commentary, postings or reviews (of our services or that of our partners) on our Website; or

Any loss or damage caused by a distributed denial-of-service attack, 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; or

The privacy policies and practices of other linked third party Websites, even if you access them using links from our Website; or

Any unauthorised access or loss of personal information that is beyond our control.

We set ourselves very high standards and do our utmost to maintain these high standards in everything we do. In rare situations where you may feel those standards have not been maintained we would like you to tell us as this is the only way we will be able to improve our service.

Contact us via: support@nogginhq.co.uk

If your complaint relates to a product purchased from a Partner, we will let you know that we have forwarded your complaint to them and will supply you with their contact details. The company will then reply to your complaint directly.

A summary of our internal process for dealing with complaints, which outlines how we will handle your complaint both promptly and fairly, is available on request. If you are still dissatisfied then you may be entitled to refer your complaint to the Financial Ombudsman Service (FOS).

Noggin HQ LTD ("we", "our" or "us") understand how important your privacy is and we take its security seriously. Please read our Privacy Policy and Cookie Policy in conjunction with these Terms and Conditions.

We are the owner or the licensee of all intellectual property rights in our Website and in the material published on it. This includes, but is not limited to, all trademarks, logos, business names, trading names, design rights, database rights, copyright and any other intellectual property rights.

You may print, download or store extracts from our Website provided always that:
• It is used solely for your personal, non-commercial use;

• You will not copy, transmit or distribute them without our prior written approval;

• All copies must retain any copyright or other intellectual property notices contained within the original material;

• You acknowledge that all images displayed on our Website are protected by copyright and may not be reproduced or appropriated in any manner without the prior written consent of their respective owner(s);

• No logos, trade marks or service marks displayed on our Website may be printed or downloaded, except as part of the text of which they form part;

• You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way, and you must not use any illustrations, photographs, video or audio sequences, logos, designs or any graphics separately from any accompanying text; and

• Our status (and that of any identified contributors) as the authors of material on our Website must always be acknowledged.

• If you print off, copy or download any part of our Website in breach of these terms of use, your right to use our Website will cease immediately and you must, at our option, return or destroy any copies of the materials you have made (in whatever format).

These Terms and Conditions apply to your use of our Website. By accessing our Website you agree to be bound by these Terms and Conditions, together with our Privacy Policy and Cookie Policy. If you do not wish to be bound by them then you should stop using our Website immediately. In the case of account creation where we enter a client contract/client service agreement, we will require an additional consent.

We reserve the right to change these Terms and Conditions from time to time and without notice. You should therefore check these Terms and Conditions each time you visit our Website.

If any part of these Terms and Conditions is subsequently considered to be illegal, invalid or unenforceable then that provision should be treated as having been deleted without affecting the validity of the remaining terms.

These Terms and Conditions (together with our Privacy Policy and Cookie Policy represent the entire agreement between you and us relating to your use of our Website. These terms also supersede any previous agreements, including previous terms and conditions of our Website. These Terms and Conditions are subject to the laws of England and Wales and the exclusive jurisdiction of their Courts.