You are may be eligible to apply for finance if you:

• Are at least 18 years old.
• Have a gross annual income each year of more than £5,000.
• Are a permanent UK resident and have lived in the UK for at least 3 years.
• Have a UK bank account capable of accepting Direct Debits.
• Are not currently bankrupt, subject to an Individual Voluntary Agreement (IVA), or have any country
  Court Judgements (CCJs).
• Provide an email address so your documentation can be emailed to you.

There may be a fee for early repayment depending on the type of loan. Your Credit Agreement will detail the applicable fees for your product.

You have 14 days to cancel your credit agreement, please note that to cancel your goods and services you will need to speak to us directly. Cancelling your finance agreement with Omni without cancelling the goods and services will mean payment for the goods and services will still be required.

There are three ways to contact Omni:

• Through the Customer Self Service Portal.
• By email at customerenquiries@ocrf.co.uk
• By telephone on 0333 240 8317.

If you are unhappy with the level of service Omni have provided or anything Omni have done, you can let them know in the following ways:

• By telephone on 0333 240 8317.
• Email: complaints@ocrf.co.uk.
• By Post: Complaints, Omni Capital Retail Finance Ltd, Customer Services, PO Box 6990, Basingstoke, Hampshire, RG24 4HX.

After your goods or services have been provided your loan will be activated. Your first Direct Debit payment will be taken approximately 30 days after you receive your welcome email from Omni. This will show on your statement as a payment to Omni. You can request to change your monthly payment date
after the first payment has been made by contacting Omni and speaking to their customer services team on 0333 240 8317. You will also be registered for their Customer Self Service portal, where you will be able to change the payment date yourself.

To process your application, you will be asked to provide information about your personal, employment
and financial situation. Omni Capital Retail Finance Limited will use your data to determine your finance
offer. They will also perform a search with one or more Credit Reference Agencies to conduct checks for
creditworthiness and any affordability assessments to help them make their decision.

You can find out more about how Omni Capital Retail Finance Limited uses and protect your personal data at https://www.omnicapitalretailfinance.co.uk/privacy-policy/.

Omni Capital Retail Finance Limited will provide you with a copy of their Privacy Policy with your loan
documents.

Your application will be assessed based on eligibility, credit history and affordability and Omni will let you
know the outcome in just a few seconds. Your application may be referred to a lender for manual assessment and you may receive a request for additional information to support your application.

Once your application is accepted you will be prompted to review and sign your credit documentation. This documentation will detail all the important information about your loan and should be read carefully.

If your application was declined, Omni may be unable to give you specific reasons why. Omni use information from your credit report, alongside your income and expenditure data to make a lending decision. You will receive an email which will provide further details of the Credit Reference Agencies and contact information for any queries you may have.

You will receive a response from the Underwriter within 20 minutes of the application being referred during normal working hours. This can either be an accept, decline or a request for more information.
If more information is requested, you will receive an email detailing the information required. If you have
any questions, you can contact the Underwriting Team at underwriting@ocrf.co.uk.

Omni will perform a 'soft' credit search on your credit file as part of their assessment, to determine whether the loan is affordable for you and if you are likely to make your repayments on time.
It’s important to know that an application for credit will only result in a ‘soft’ search on your credit file until the point your application for finance is complete, at which point a 'hard' credit check will be recorded on your credit file. Only you can see that a 'soft' search has been made on your credit file, but a 'hard' credit check will be visible to others viewing your credit file, for example, if you apply for credit in the future, the lender will see that an application credit search was made on your credit file.