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Terms and Conditions

Please read our Privacy Policy carefully before using this website ("the Site").

In this Policy "We", "us" and "our" means the LaSer UK Group of companies (Creation Financial Services Limited, Creation Consumer Finance Limited, Creation Marketing Services Limited and Sygma Bank UK), and "you" means the individual who is using this website. Important Information This website is owned by LaSer UK. Your use of this website is conditional upon your agreeing to these terms. If you do not agree to be bound by these terms you may not use or access this website.

1. UK Residents The products and services promoted by, and the information provided on, this website are promoted and provided for the benefit of UK RESIDENTS ONLY (including the Channel Island and the Isle of Man).

2. Use This website is provided by LaSer UK on an "as is" basis without warranty, either express or implied, including, but not limited to, any warranty as to title or merchantability and fitness for a particular purpose to the fullest extent permitted by the law. Use of this website is subject to your both agreeing not to make or permit any unauthorised modifications to the website, and acknowledging the risk of such modification by unauthorised third parties. You may only download and print extracts of this website for your personal use but may not copy, reproduce, adapt, transmit or distribute any of the content of this website, or, remove or alter any copyright or other proprietary notices appearing on this website

3. Content LaSer UK reserves the right at any time without notice to change, revise or amend the content of this website, and to withdraw the products and services promoted by this website.

4. Intellectual Property Nothing in these terms shall operate to grant to you any intellectual property rights or goodwill in any of the content of this website, including without limitation any trade and service marks, trade or business names, domain names, design rights, copyright, moral rights, database rights (whether or not any of these is registered), know-how, confidential information and trade secrets used and employed.

5. Confidentiality You shall use your best endeavours to preserve the confidentiality of any information identified by LaSer UK prior to disclosure to you as confidential or proprietary information.

6. Limits of Liability
To the fullest extent permitted by the law, neither LaSer UK nor any of its directors, employees or agents shall be liable for:

In no event shall the total liability of LaSer UK to you for all or any loss or damage incurred by you exceed the total amount paid by you, if any, to LaSer UK for access to and use of this website.

7. Exclusion
Nothing on this website is intended to constitute an offer or solicitation of lending or insurance services or an offer to buy or sell products or services.

8. Indemnity
You will indemnify LaSer UK as is reasonable in the circumstances if a third party makes a claim against LaSer UK based on any actual or alleged:

9. Privacy Policy

10. Law
These terms shall be governed by and construed in accordance with the laws of the England and Wales and the courts of England and Wales shall have exclusive jurisdiction to deal with any disputes arising out of the use of this website.

11. Verification and Further Information
Any of the products and services promoted by/or the information provided on this website may be verified, or further information obtained, by writing to LaSer UK, Chadwick House, Blenheim Court, Solihull B91 2AA, United Kingdom.

12. LaSer UK Group Companies
Creation Financial Services Limited, Registered Office: Chadwick House, Blenheim Court, Solihull, West Midlands B91 2AA (England - company number 1091883) Creation Consumer Finance Limited, Registered Office: 6th floor, Royston House, 34 Upper Queen Street, Belfast BT1 6FD (Northern Ireland - company number NI032565) Creation Marketing Services Limited, Registered Office: Chadwick House, Blenheim Court, Solihull, West Midlands B91 2AA (England - company number 4358400) Sygma Bank UK - the trading name in the United Kingdom of Sygma Banque SA, a private company limited by shares, incorporated in France with registration number: RCS Paris B327 511 036 with Head Office at 18 rue de Londres, 75009 Paris, France. Sygma Bank UK is registered as a branch in England and Wales with registration number FC023963. Sygma Bank UK is authorised by Banque de France and authorised and subject to limited regulation by the Financial Conduct Authority. Details about the extent of our authorisation and regulation by the Financial Conduct Authority are available from us on request. The principal place of business in the United Kingdom is Chadwick House, Blenheim Court, Solihull, West Midlands B91 2AA. LaSer UK Group VAT No. 927 2099 11