1. Introduction

1.1 These terms & conditions set out the terms between you the user and us the website owner.

1.2 Your use of this website and any service contained within constitutes acceptance of these terms & conditions in full.

1.3 You should not use this website if you do not accept these terms & conditions in full.

2. Customer Information

2.1 You should always check that the contact information you provide is correct before creating an account.

2.2 You are responsible for maintaining your own username and password, where required to access your account. You should ensure that you store your username and password securely and that the details required to access your account are not provided to another party.

2.3 You are responsible for your account and the actions taken within it. If you are aware or suspect that your account username and password or other details have become known to a third party, you should inform us immediately.

2.4 Our website is only intended for use by adults.

2.5 We reserve the right to restrict or remove your access to this website where you breach these terms and conditions. Such restriction or removal will take place without recourse or explanation to you where we solely deem it appropriate or necessary.

3. Privacy

We take your privacy seriously. We are registered under and comply with the Data Protection Act 1998. For further details please see our Privacy Policy.

4. Customer Complaints

We endeavour to respond to all complaints or queries within five working days.

5. Events outside our control

We shall not be liable for delay or failure to perform any obligation under these terms & conditions if the delay or failure is caused by any circumstances beyond our reasonable control, including, but not limited to, acts of God, war, civil disorder or industrial dispute.

6. Licence

6.1 We grant you a licence to access the content, information and services contained within our website for personal use only.

6.2 This licence allows you to download and cache (using your browser) individual pages from our website.

6.3 This licence does not allow you to download and modify individual pages or substantial parts of our website nor to make our website available via an intranet, where our website or a substantial part of it is hosted locally on the intranet in question.

6.4 Our website design, layout, content or text cannot be copied, edited or otherwise manipulated without our express prior written permission.

6.5 Our website cannot be placed within the frame-set of another site.

6.6 Third parties are not allowed to “deep link” to pages within our website, without our express prior written permission. All links (unless expressly permitted by us) should be to the main index page of our website. Furthermore, the content of such links, whether graphic or text should not be misleading, false, derogatory or in any other way offensive.

6.7 The restriction on “deep linking” does not apply to affiliate partners or other partners who wish to send users directly to a particular section or page.

7. Copyright

7.1 All content, databases, graphics, buttons, icons, logos, layouts and look & feel are our copyright unless expressly acknowledged as otherwise.

7.2 The data mining, extraction or utilisation of product information from our website is not permitted without our express prior written permission.

8. User Generated Content

8.1 Where the facility exists you may provide reviews or public feedback on the website, also known as user-generated content.

8.2 Where the facility exists such user-generated content can be provided in different formats and mediums; text, audio, video and still photographs.

8.3 As part of providing this content to us you agree to grant us a worldwide, irrevocable, non-exclusive and royalty-free license to use, distribute, edit, translate and repurpose such content, as we require, including sub-licensing to other parties.

8.4 Such content shall not infringe the intellectual property rights of any other party. Furthermore, the content shall not be illegal or capable of breaching the laws of any jurisdiction in which it may be displayed.

8.5 We reserve the right to remove any content, which breaches or risks breaching these terms and conditions.

8.6 However, we shall not assume any responsibility for auditing or monitoring any user-generated content.

8.7 Any complaints about such content by rights holders or any user or visitor to our website should be directed to us using our contact details listed at the end of these terms and conditions.

9. Limitations and Exclusions of Liability

9.1 Where content and information is provided on the website without charge we exclude all liability for such content and information.

9.2 All business losses (including, but not limited to) loss of profits, income, revenue, damage to goodwill, loss of other commercial contracts, other commercial opportunities are all excluded.

9.3 All indirect, consequential or special losses or damage are all excluded.

9.4 All other losses or damages not reasonably foreseeable at the time of the contract between you and us are also excluded.

9.5 All losses relating to the loss or corruption of data, databases, systems, software or hardware are all excluded.

9.6 These terms and conditions do not exclude or limit liability for death or personal injury caused by you or us.

9.7 These terms and conditions do not exclude or limit liability for fraud or fraudulent misrepresentation caused by you or us.

9.8 These terms and conditions do not exclude or limit liability where this conflicts with the applicable law for this jurisdiction.

10. Indemnity

By your use of our website you hereby indemnify us and undertake to keep us indemnified at all times now and in the future against all possible claims relating to any breach of these terms and conditions by you. Such indemnities to include, (but not be limited to) all costs legal and otherwise, all other expenses, damages or settlements arising from your breach of these terms and conditions.

11. Variation

We reserve the right to vary these terms & conditions at any time, without giving notice to you. Such varied terms and conditions shall automatically apply to the use of our website from the date of publication on our website.

12. Assignment

We reserve the right to assign our rights and also our obligations under these terms and conditions, without giving notice to you. This right of assignment shall only apply to us and shall not apply to you in any way.

13. Severability

The foregoing paragraphs, sub-paragraphs and clauses of these terms & conditions shall be read and construed independently of each other. Should any part of this agreement or its paragraphs, sub-paragraphs or clauses be found invalid it shall not affect the remaining paragraphs, sub-paragraphs and clauses.

14. Waiver

Failure by us to enforce any accrued rights under these terms & conditions is not to be taken as or deemed to be a waiver of those rights by us unless we acknowledge the waiver in writing.

15. Third Parties

These terms and conditions are between you and us. They do not apply to, or benefit any third party and are not reliant on any third party.

16. Entire Terms & Conditions

These terms & conditions set out the entire agreement and understanding between you and us.

17. Your Statutory Rights

Where acting as a consumer your statutory rights are unaffected.

18. Finance

To find out more about finance please click here.

19. Jurisdiction

These terms & conditions shall be interpreted, construed and enforced in accordance with English law and shall be subject to the exclusive jurisdiction of the English Courts.

 

Our contact details are as follows:

Smmmile Newcastle
95-97 Grainger Street
Newcastle Upon Tyne
NE1 5AE

0191 691 3000

 

19. Financial Disclosure 

i)

Smmmile Glasgow Ltd, 1/1 46 Gordon Street, Glasgow, G1 3PU. Telephone 01413250000. Smmmile Glasgow Limited is an appointed representative of SRKP Limited trading as Smmmile Glasgow Ltd is a credit broker not a lender and is authorised and regulated by the Financial Conduct Authority 948744. Registered in England & Wales 15900903. Registered Address: 3 Wellington Place, Leeds, LS1 4AP.

ii)

Smmmile Newcastle Ltd, 95-97 Grainger Street, Newcastle upon Tyne, NE1 5AE. Telephone 01916913000. Smmmile Newcastle Limited is an appointed representative of SRKP Limited trading as Smmmile Newcastle Ltd is a credit broker not a lender and is authorised and regulated by the Financial Conduct Authority 948744. Registered in England & Wales 14230137. Registered Address: 3 Wellington Place, Leeds, LS1 4AP. 

iii)

Smmmile Leeds Ltd, 1st Floor, Equity House, The Bourse, Boar Lane, Leeds, LS1 5EN. Telephone 01134800000. Smmmile Leeds Limited is an appointed representative of SRKP Limited trading as Smmmile Leeds Ltd is a credit broker not a lender and is authorised and regulated by the Financial Conduct Authority 948744. Registered in England & Wales 14229298. Registered Address: 3 Wellington Place, Leeds, LS1 4AP.

iv)

Smmmile Nottingham Ltd, The Court, 15a St Petersgate, Nottinghamshire, NG1 2JP. Telephone 01156488888. Smmmile Nottingham Limited trading as Smmmile Nottingham Ltd is a credit broker not a lender. Registered in England & Wales 16591469. Registered Address: 3 Wellington Place, Leeds, LS1 4AP.

v)

Smmmile Bristol Ltd, 1-4 The Arcade, Bristol, Somerset, BS1 3JA. Telephone 01174620100. Smmmile Bristol Ltd is an appointed representative of SRKP Limited trading as Smmmile Bristol Ltd is a credit broker not a lender and is authorised and regulated by the Financial Conduct Authority 948744. Registered in England & Wales 14229054. Registered Address: 3 Wellington Place, Leeds, LS1 4AP. 

Where required by law, loans will be regulated by the Financial Conduct Authority and the Consumer Credit Act 1974.

Medenta Finance Limited, authorised and regulated by the Financial Conduct Authority No: 715523. Registered in Scotland, No: SC276679. Registered address: 50 Lothian Road, Festival Square, Edinburgh, EH3 9WJ. Tel: 01691

684175. Medenta act as a credit broker, not a lender and will introduce practices to V12 Retail Finance Limited for which Medenta will receive an introduction commission from Secure Trust Bank plc, V12 Retail Finance Limited’s parent company.

V12 Retail Finance Limited is authorised and regulated by the Financial Conduct Authority. Registration number:679653. Registered office: Yorke House, Arleston Way, Solihull, B90 4LH. Correspondence address: 25-26 Neptune Court, Vanguard Way, Cardiff, CF24 5PJ. V12 Retail Finance Limited act as a credit broker, not a lender, and only offers credit products from Secure Trust Bank PLC for which they will receive a commission, the amount will vary depending on the amount of credit taken out but will not vary depending on the product chosen. Secure Trust Bank PLC trading as V12 Retail Finance is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Registration number: 204550. Registered office: Yorke House, Arleston Way, Solihull, B90 4LH.

Terms and conditions apply. Written quotations are available on request from Secure Trust Bank PLC. Credit facilities are subject to status and affordability checks and only available to UK residents over the age of 18. Secure Trust Bank PLC reserves the right to decline any application. APR and repayment details are correct at time of publish. Not all products offered by Secure Trust Bank PLC are regulated by the Financial Conduct Authority.

Telephone calls are recorded for training and compliance purposes.

 

If you have any questions relating to our Terms and Conditions please email us at admin@smmmile.store

This policy was last updated on Thursday 9th October 2025.