1. Your Phone Number
2. Email Address
3. Current Billing Address
4. A valid debit/credit card

1. You’ll have 30 days to complete the payment online. You can pay at your convenience, with no extra cost via credit or debit card.
2. You’ll receive a reminder two days before your payment is due, and you’ll also receive email reminders.
3. If you do not pay for your order on time, you may no longer be able to access Klarna’s payment options for future purchases
4. If a payment is late, Klarna will contact you over a period of several months to try and arrange repayment of the outstanding balance. If after a period of several months you have not repaid, Klarna may use a debt collection agency to recover the outstanding balance.

Please contact Klarna directly for questions regarding your invoice or payment status.

Once the Return process is complete we will advise Klarna that a refund is due on your order. Refunds usually take 5-7 working days to be back in your account.

No, Klarna will charge you automatically for each instalment (initial payment, day 30 and day 60). You’ll be notified through Klarna App push notifications. if you have the app or via email or SMS dependent on how you prefer to be contacted by Klarna.

• Applicants must be aged between 18 and 75
• Be a permanent UK resident
• Have a valid debit or credit card
• Have a valid UK mobile number
• Have a valid email address

Yes. A credit check is performed to assess your eligibility during your application.

DivideBuy also has a quick check service which is available on this website so you can assess your eligibility for DivideBuy credit
that will not affect your credit file.

Payment is collected via a Continuous Payment Authority (CPA). This method uses your long card number, expiry date and three-
digit CV2. Payments will be collected automatically on the date your instalment is due.

To guard against fraudulent applications, we are only able to deliver goods to your home address.

The first step is to contact the retailer directly to cancel your order. If you have already received your order, you’ll need to arrange
for it to be returned using the retailer’s returns process. The retailer will then contact us to confirm your order has been returned, so
we can issue a refund and cancel your credit agreement.

We’re sorry that your application has been declined. You have the right to appeal this decision, although there is no guarantee
that the outcome will change. You can request an appeal by contacting us at: customerservice@dividebuy.co.uk. We may ask you
to provide additional information to support your appeal.

You may also want to obtain a copy of your credit file before making any further applications. The credit reference agency we
used for your Zopa Bank application are set out below.

TransUnion International Limited,
One Park Lane,
Leeds,
West Yorkshire
LS3 1EP
www.transunion.co.uk

You can also find more information about how credit referencing works in our privacy notice at:
www.dividebuy.co.uk/privacy-policy

For any questions related to DivideBuy please contact us by visiting www.dividebuy.co.uk. For a full list of FAQs please click here.

There are no hidden charges as we offer Interest Free Credit on all of our Finance plans.

To manage your account and make payments, you can log in https://accounts.dividebuy.co.uk/

DivideBuy will need to approve any deliveries to addresses other than the application/billing address. Without their approval, we
will not be able to ship to a different address as fraud prevention measures apply. To have goods delivered to another address,
once you have placed your order and paid a first instalment, you need to contact DivideBuy directly who will then notify us of the
changes.