1. Agreement to these terms
By creating an account or using this website you accept these terms. If you do not accept them, please do not use the service.
These terms cover your use of the website and the application process. If your loan is approved, a separate loan agreement governs the borrowing itself. Where the two differ, the loan agreement prevails.
2. Eligibility
To open an account and apply you must:
- Be at least 18 years old;
- Have the legal capacity to enter a binding contract;
- Provide accurate information and genuine identity documents;
- Be applying on your own behalf, not for someone else.
3. Your account
You are responsible for keeping your password confidential and for activity under your account. Tell us immediately if you suspect unauthorised access.
Give accurate information and keep it current — particularly your email address, which is how we send decisions, document requests and security codes.
One person, one account. Multiple accounts for the same person may be closed.
4. Applying for a loan
Submitting an application is a request, not an agreement. We may approve or decline it at our discretion, subject to identity verification, affordability assessment and our lending criteria.
You must complete identity verification before an application can be approved — this is a legal requirement, not a preference.
We may ask for further documents during review. Applications sit unprocessed until requested documents arrive.
5. Rates, fees and repayment
Each product publishes its interest rate, amount range and term. The figures that bind you are those in your loan agreement, not those shown on marketing pages or produced by the calculator.
Calculator results are estimates to help you compare options. They are not an offer and not a guarantee of terms.
You agree to repay in line with your agreed schedule. Late or missed payments may incur charges as set out in your loan agreement, and may affect your eligibility for future borrowing.
6. Early repayment
You may request an early settlement figure at any time. Whether settling early reduces the total you pay depends on how interest is calculated for your product. Always obtain the settlement figure in writing before paying.
7. Acceptable use
You must not:
- Provide false information or forged documents;
- Apply on behalf of another person without authority;
- Attempt to gain unauthorised access to any part of the service;
- Interfere with the service, or probe it for vulnerabilities without written permission;
- Use automated tools to scrape or bulk-submit forms;
- Use the service for money laundering or any unlawful purpose.
We may suspend or close an account that breaches these rules, and report suspected fraud to the authorities.
8. Our help assistant
The assistant answers questions from published help content. It cannot see your account, application or documents, and its answers are general guidance — not advice, and not a commitment about your terms. For anything account-specific, contact support.
9. Availability
We aim to keep the service available but do not guarantee uninterrupted access. Maintenance, updates or events beyond our control may cause interruption. We may change or withdraw features, and will give notice of material changes where reasonably possible.
10. Intellectual property
The content, design, code and branding of this website belong to Easther Trading or our licensors. You may use the site for its intended purpose. You may not copy, republish or resell any part of it without written permission.
Anything you upload remains yours; you grant us the licence needed to process your application and meet our record-keeping obligations.
11. Not financial advice
We provide information, not personal financial advice. Nothing on this site accounts for your individual circumstances. See our Disclaimer for detail, and seek independent advice if you are unsure.
12. Limitation of liability
To the fullest extent permitted by law, we are not liable for indirect or consequential loss, loss of profit, or loss arising from reliance on information published on this website.
Nothing here limits liability that cannot lawfully be limited — including for fraud, or for death or personal injury caused by negligence. Nothing affects your statutory rights as a consumer.
13. Closing your account
You may close your account at any time, provided no loan is outstanding. We may close or suspend an account for breach of these terms, suspected fraud, or where required by law.
Closure does not end obligations already incurred. We retain records for as long as the law requires — see our Privacy Policy.
14. Complaints and disputes
If something goes wrong we want the chance to fix it. Our Complaints Procedure sets out how to raise a complaint and the timescales you can expect, including your right to escalate to an ombudsman.
15. Changes to these terms
We may update these terms. Material changes will be notified before taking effect. Continuing to use the service after that constitutes acceptance. The date at the top always reflects the current version.
16. Contact
Questions about these terms? Email support@easthertradingpty.com or use our contact page. We would rather answer a question before you apply than after.
