Thinking about spreading the cost and having more control over your finances? Want to pay over a longer period or pay less interest? We have different credit options which will let you do just that. We thought it would be helpful to you if we explained how these credit options work under your Studio Pay Credit Account. Representative 39.9% variable. Knowing how we define our parcel sizes will help you understand how the parcels are delivered. You'll also need to know this information when arranging your own return. Our parcel sizes are defined as follows: If your item is personalised - As these items are custom-made to your needs, you won't be able to cancel.

Aces of the Gadget WorldThe Gadget World is quite similar to the game of cards. There are a lot of players in the gadget world, but all of them cant make it to the top. The big players always have their own ways to win, their strategies never let them down. Listed below are the 4 Aces of the Gadget World. If we end this Plan due to a breach of the agreement before the Plan Expiry Date, we’ll charge interest on the Plan Balance. We’ll calculate it from the date the goods were despatched. Items which deteriorate or expire rapidly, magazines, items that are sealed for hygiene reasons, computer games with the seal broken or any items that have been inseparably mixed after delivery, cannot be returnedYour usual monthly interest charges when shopping with Studio are calculated using your agreed interest rate as part of the compound interest calculation. Vital interests: The processing of your personal information is necessary to protect you or someone else's life Prior to 2021 the products would have been rated between A for high efficiency, and an F for low efficiency. However, the rating system became complicated as more efficient models were introduced and rated A, A and A. If we owe you any money, we’ll be entitled to set off the amount we owe you against any debt you owe us across this and other Frasers Group Financial Services Limited accounts.

You have a number of rights under data protection law which, in certain circumstances, you may be able to exercise in relation to the personal information we process about you. Compensatory Interest is the standard rate of interest that can be applied by businesses in the UK in relation to money being owed. This interest is applied at an annual rate of 8%. A person who is not a party to this policy has no right under the Contracts (Rights of Third Parties) Act 1999 to enforce any term of this policy but this does not affect any right or remedy of a third party which exists or is available apart from that Act. This insurance is designed to repair or replace your product if it is accidentally damaged or breaks down and fails to operate as intended by the manufacturer. Breakdown is covered outside of the manufacturer’s guarantee period.

What happens when I get in touch?

If the product is replaced, or your account is credited, the plan will terminate. If required, you will need to buy a new plan for any new product. You will only be able to use Studio Pay to shop at participating Frasers Group brands online. If this changes, we will let you know. Will I have an account automatically set up with Sports Direct, Flannels and House of Fraser? Legitimate interests: The processing is necessary for us to conduct our business, but not where our interests are overridden by your interests or rights caused by you not following the manufacturer’s instructions or use of accessories not approved by the manufacturer; We'll also analyse and combine the information collected (sometimes automatically) to understand the way you use your account and our services as well as what you might like and what you might do. Through our analysis we may create a profile of you to help us predict your financial behaviour and preferences so we can provide services to you ('profile information').

Some words and phrases in this Policy Document and in your Policy Schedule will always have the same meaning wherever they appear. To make them easier to recognise when they are being used, they will be shown in bold. They are all listed and explained in the “Definitions” which can be found in section 10 of this Policy Document. Many electrical items that we throw away can be repaired or recycled. Recycling items helps to save our natural finite resources and also reduces the environmental and health risks associated with sending electrical goods to landfill. We may change the terms of the agreement (including charges and the interest rate) when we believe we need to reflect: Citizens advice offer advice both face to face and over the phone. As well as debt advice they offer assistance on employment, housing, benefits, tax credits and immigration. Just visit or call your local Citizens Advice office.

Is Open Banking free?

There are some circumstances where the product would not be covered, these include general wear and tear or theft/loss of item. If you are struggling to login to Studio Pay, please see - I'm having trouble signing into my account online If your insurance is terminated from the time of the fraudulent act, we will not pay any claim for any incident which happens after that time and may not return any of the insurance premium(s) already paid. The BBFC will continue to rate non-game footage in games, such as trailers, featurettes, and bonus DVDs. They will also remain responsible for classifying any games featuring pornographic material.