Terms of Service

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Suitability

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Our application is only suitable for helping you find a lender to finance the purchase of goods and services that you have selected from a retailer and is not suitable for any other purpose.  Each lender will require that you are over eighteen and resident in the UK.

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Where to find information about us and our services

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You can find everything you need to know about us and our services on our website www.dopplepay.com .  You can find a copy of these terms on our website.

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Your legal right to change your mind. 

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You can withdraw from our services at any time without any consequence.  Once you have agreed financing with a lender you will have specific rights to cancel and refund the financing.  You should check the lender’s terms in relation to these rights and how you go about refunding the lender as we are not involved in this process. We do not charge you for our services and the price that you pay to your retailer is not affected if you take finance. We do not charge you a fee for our service.  However, we receive a commission based on a percentage of the total amount of finance taken. This will not affect the interest offered to you by the lender, nor the total amount repayable by you.

We use reasonable care and skill in providing our services. We list available options for you from our panel of lenders, but we only consider those lenders and do not guarantee that it is the best offer available in the marketplace as a whole. Dopple cannot guarantee that a lender will accept your application once we have made an introduction. 

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You are responsible for choosing from the options that we present

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You are not obliged to select any finance option that is presented to you. We will provide key information about the options, but we do not provide advice and if you want to go ahead you are responsible for selecting the best option for you from the information that we present to you. 

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Finance is provided on the lender’s terms and conditions

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If you decide to go ahead with finance with one of our lenders, we will connect you with them.  At that point the lender will carry out any additional checks and the lender will take responsibility for providing your loan. However, we give you the opportunity to create an account with us to use our customer dashboard so that you can see details of your loans.

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We don’t compensate you for all losses caused by us or our services

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We’re responsible for losses you suffer caused by us breaking this contract unless the loss is:

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• Unexpected. It was not obvious that it would happen.

• Caused by a delaying event outside our control. As long as we do our best to let you know that we are not able to provide our service immediately. 

• Avoidable. Something you could have avoided by taking reasonable action. A business loss. We only offer this service to you as a consumer and not as a business and are not responsible for business losses.

• We use your personal data as set out in our Privacy Notice

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How we use any personal data you give us is set out in our Privacy Policy.  By taking finance with one of our lenders you consent to the lender sharing details of the loan with us so that we can provide our customer dashboard to you.

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Other important terms apply to our contract

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Dopple’s regulatory status. 

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Dopple is a trading name of Social Money Limited. We are Authorised and Regulated by the Financial Conduct Authority for credit broking. Our Firm Reference Number is 675283 and you can check our registration by going to the FCA’s register at https://register.fca.org.uk/s/.

Complaints. If you are unhappy with service we provide, you can make a complaint to us by emailing us at support@dopplepay.com If you are not satisfied with our response you may be able to forward your complaint to the Financial Ombudsman Service who’s contact details are included below:

Website: http://www.financial-ombudsman.org.uk/consumer/complaints.htm . 

Address: Financial Ombudsman Service, Exchange Tower, Harbour Exchange Square, E14 9SR London

Telephone: 0800 023 4567

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We can transfer our contract with you, so that a different organisation is responsible for supplying your service.  

We’ll tell you in writing if this happens and we’ll ensure that the transfer won’t affect your rights under the contract.

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Disputes 

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These terms are governed by English law and wherever you live you can bring claims against us in the English courts. If you live in Wales, Scotland or Northern Ireland, you can also bring claims against us in the courts of the country you live in. We can claim against you in the courts of the country you live in.

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Nobody else has any rights under this contract 

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This contract is between you and us. Nobody else can enforce it and neither of us will need to ask anybody else to sign-off on ending or changing it. If a court invalidates some of this contract, the rest of it will still apply.  If a court or other authority decides that some of these terms are unlawful, the rest will continue to apply. Even if we delay in enforcing this contract, we can still enforce it later.  We might not immediately chase you for not doing something (like paying) or for doing something you’re not allowed to, but that doesn’t mean we can’t do it later.

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Further information

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If you have any questions, or there’s anything you don’t understand, or if you require any further information about Dopple, please contact the team at support@dopplepay.com or tel: 0161 676 9595.