If your application is successful, you will enter into a Credit
Agreement with Secure Trust Bank Plc (V12's parent company) which will be
administered by V12 Retail Finance Limited and V12 will receive a commission,
the amount will vary depending on the product chosen and the amount of credit
taken out.

V12 Retail Finance is authorised and regulated by the Financial
Conduct Authority under registration number 679653. Secure Trust Bank Plc is
authorised by the Prudential Regulation Authority and regulated by the
Financial Conduct Authority and the Prudential Regulation Authority under
registration number 204550.

For successful applications your first repayment will be
approximately 30 days after your delivery.

When you apply for finance with V12 your credit file will be
hard searched. If your application is accepted and you have chosen to pay a
deposit with your order, you’ll be asked to pay your deposit through the V12
system and then sign your finance agreement electronically. Once you have done
this, we will be notified that you have successfully completed your application
and we will process your order for delivery.

Finance is available on loans
over £500 and no more than £15,000 and you can choose a deposit of up to 50% of
the value of the goods. This amount includes any additional services and
delivery options selected. Discount codes or vouchers cannot be used in
conjunction with any finance orders.

To apply for finance with V12 you'll need to be:

·       
18 years or older

·       
Is in permanent paid employment,
self-employed, a homemaker, retired and receiving a pension, a working student
in part-time work or in receipt of a disability benefit

·       
Has been a resident in the UK for at least 3
years

·       
Has a debit or credit card in their name,
which is registered to their address, to pay the deposit where applicable

·       
Has a Bank or Building Society current account
available – this is required to complete the direct debit instruction

·       
Has an email address to receive the important
information throughout the application process, including their signed credit
agreement

* If you are retired and receive
a pension, or registered disabled and unable to work, V12 Retail Finance may
ask for proof of sufficient income.

Other conditions may apply, and
we cannot guarantee that your application will be accepted.

V12 Finance is a form of credit. It is important that you consider your existing financial commitments, as well as the affordability of your purchase. This way you will avoid late fees and stay on top of your finances

Your loan repayments will be to
V12 Retail Finance and will start approximately 30 days after your goods have
been delivered.

In order to safeguard against
fraudulent applications, we are only able to deliver goods to the address
stated on your finance application.

Fees may be payable to V12
Retail Finance in line with the terms of your credit agreement if you fail to
maintain your repayments. Fees and charges may include late payment fees and
failed direct debit collection fees. Full details of any potential fees and
charges will be set out in the terms of your credit agreement.

During the V12 application
process you will confirm your bank details for your repayments to be collected
via direct debit. You can also make overpayments by contacting V12 directly or
via your V12 self-service portal that you will be sent more information about
via email once you have successfully completed your application.

Credit scoring is the process by
which financial services companies evaluate the credit risk of new applicants.
This technique will be applied to your online finance application. Credit
scoring works by awarding points for each answer given on the application form
such as age, income and occupation, together with information obtained from
credit reference agencies.

This information allows
consistent decisions to be provided, ensuring all applicants are treated
fairly. Credit scoring does not discriminate on the grounds of sex, race,
religion or disability.

The 'rate of interest' is the
cost you will pay each year to borrow money, expressed as a percentage rate. It
does not reflect fees or any other charges. The 'APR' is a broader measure of
the cost of borrowing than the interest rate. The APR reflects the interest
rate, and other charges that you pay to get the loan. The FCA description of
any APR is "APR stands for the Annual Percentage Rate of charge. You can
use it to compare different credit and loan offers. The APR takes into account
not just the interest on the loan but also other charges you have to pay, for
example, any arrangement fee. All lenders have to tell you what their APR is
before you sign an agreement. It will vary from lender to lender.

Applications may not be accepted
for several reasons, including mis-typed information or not meeting the
specified requirements. Please note that other conditions may apply, and we
cannot guarantee that your application will be accepted.

If your application isn't
successful, you can still purchase the item or items you would like in full via
PayPal or with a valid credit or debit card or any of our other payment
methods. If your application is declined, it’s usually for one of the following
reasons:

·       
you do not meet the eligibility criteria;

·       
adverse credit reference agency information;

·       
your credit score;

·       
you are considered to be overcommitted
financially; or

·       
your existing account performance with other
lenders.

If you wish to appeal the
decision made by V12, it’s advised you obtain an up-to-date copy of your credit
report from either of the Credit Reference Agencies listed below before
appealing directly to V12. Due to data protection, all customer appeals must be
emailed to underwriting@v12finance.com and a member of V12’s
Underwriting Team will respond to you accordingly. You can also contact the
Credit Reference Agencies if you think there is a mistake on your credit
report:

·       
Experian

·       
Equifax

·       
TransUnion

Please contact a member of the
V12’s Customer Services Team on 029
2046 8900 or via email on customerservices@v12finance.com who will be able to deal with this request. You can also update
your Direct Debit details via the V12 self-service portal if you have setup an
account.

If you have been approved for
finance, the term cannot be amended but we may be able to amend the loan
amount, however, please note you may not be accepted for a higher amount. You
will need to contact us (your retailer) to amend the loan or the goods or
services you ordered, and you may need to complete a new application for
finance. Please note we cannot guarantee a new credit application will be
approved.

Yes. At V12 we acknowledge that
circumstances change and just because a previous application has been refused,
it does not mean that a further request will automatically be turned down. We
do suggest however, that you leave at least 6 months between applications.

For any questions about your
loan, such as your Direct Debit or updating your personal details, please
contact V12 Retail Finance. Their contact details will be provided throughout
your application and on all the communications you receive about your finance
application.

Please see the returns and
cancellations section of our terms and conditions https://www.time4sleep.co.uk/pages/terms-conditions Some products cannot be cancelled, for example, made-to-order or
bespoke goods, so you should check this before you complete your purchase.

A customer has the right to
cancel at any time from the moment they place their online or mail order, and
up to 14 days from the day they receive the goods. The customer then has a
further 14 days from the date they notify the retailer of their cancellation to
return the goods – There are exemptions to online returns which include tailor
made/personalised goods.

To cancel your finance
agreement, please contact us (your retailer) and arrange to return your
purchase or cancel the services in line with our terms and conditions and your
statutory rights. Once we have confirmed your cancellation, we will advise V12
to cancel your finance agreement and they will refund any deposits or
repayments that have been made where applicable. Your finance agreement can
only be cancelled by V12 if your purchase is cancelled with us.

Please contact us at hello@time4sleep.co.uk or telephone 01484 500560 quoting your name and order number and a
member of our team will contact you.

All you need to do is select the
products you wish to purchase, choose finance as your payment method at
checkout, select your desired finance product, and decide whether to place a
deposit, then check out. Upon checking out, you will be redirected to the V12
platform to complete your finance application via their simple and quick online
form. It's important you use your full name and address details and make sure
everything is spelt correctly. Please note, this is an online-only finance
option, and upon submitting your application, your credit file will be hard
searched.

If your application is accepted
and you have chosen to pay a deposit with your order, you’ll be asked to pay
your deposit through the V12 system and then sign your finance agreement
electronically. Once you have done this, we will be notified that you have
completed your application, and we will process your order for delivery in line
with the delivery timescales you were shown at checkout.

The V12 application form takes
less than 5 minutes to complete, and you will get an instant answer on whether
your finance application has been successful. In some cases, V12 Retail Finance
will need to look at the application in more detail before making their
decision.

If you are not satisfied
with your purchase in line with your statutory rights under the Consumer Rights
Act, you can return it to us up to 30 days after delivery. In these instances,
we will check this against our returns policy which are detailed within
our terms and if your claim is in line with this, we will
notify V12 to reduce your loan amount accordingly. You will receive
confirmation from V12 within 5-10 business days after we received your return
in cases where a full refund is processed

You have the right under section
66A of the Consumer Credit Act 1974 to withdraw from the agreement without
giving any reason before the end of 14 days (beginning with the day after the
day on which agreement is made or, if later, the date on which V12 Retail
Finance tells you that they have signed the agreement). If you wish to withdraw
you must give V12 Retail Finance notice in writing or by telephone on 029 2046 8900 or by emailing customerservices@v12finance.com. You can also find V12’s contact details on your credit agreement.

Please note that if you do give
notice of withdrawal, you must repay the whole of the credit without delay and
in any event by no later than 30 days after giving notice of withdrawal. You
will also have to pay interest accrued from the date the agreement was made
until the date you repay it.