Terms and conditions

TERMS AND CONDITIONS

**London Capital Credit Union** **Effective Date:** **Last Updated:**

1. Introduction

These Terms and Conditions ("Terms") govern your access to and use of the services, website, online platforms, and other services provided by **London Capital Credit Union** ("we", "us", "our", or "the Credit Union").

By accessing our website, becoming a member, applying for or using any of our products or services, you acknowledge that you have read, understood, and agreed to be bound by these Terms and any additional terms applicable to specific products or services.

If you do not agree with these Terms, you should not use our website or services.

2. Membership

Membership of London Capital Credit Union is subject to applicable eligibility requirements and our membership rules.

You may be required to provide accurate and complete information when applying for membership. We reserve the right to verify information supplied by you and to decline or suspend membership where permitted by applicable law.

You are responsible for keeping your personal and membership information accurate and up to date.

Membership does not guarantee approval for any loan, credit facility, savings product, or other financial service.

3. Our Services

Subject to eligibility and applicable requirements, London Capital Credit Union may provide services including:

• Savings and deposit accounts;
• Loans and credit facilities;
• Online and digital account services;
• Payment and transfer services;
• Member support and account management;
• Other financial products and services made available from time to time.

Specific products may be subject to separate terms, conditions, fees, interest rates, eligibility requirements, and application procedures.

Where product-specific terms conflict with these Terms, the product-specific terms will apply to that product or service.

4. Applications and Eligibility

Applications for financial products are subject to our assessment and approval procedures.

We may request information and documentation necessary to verify your identity, assess eligibility, comply with legal requirements, or administer your account.

Submitting an application does not guarantee approval.

We may decline an application where permitted by law and may request additional information before making a decision.

5. Loans and Repayments

Where you obtain a loan or other credit facility from the Credit Union, you agree to make repayments according to the applicable loan agreement.

You are responsible for ensuring that sufficient funds are available for scheduled repayments.

Interest, fees, charges, repayment dates, and other applicable conditions will be specified in the relevant credit agreement or product documentation.

Failure to make repayments when due may result in additional charges, collection activity, reporting to relevant credit-reference agencies where permitted, or other action available under the applicable agreement and law.

6. Savings and Accounts

Savings accounts and other deposit products are subject to their applicable product terms.

Withdrawals, transfers, minimum balances, interest payments, and applicable charges may vary depending on the account or product.

We may impose reasonable restrictions or verification requirements where necessary to protect members, prevent fraud, or comply with legal and regulatory obligations.

7. Online Services

Where online or digital services are provided, you are responsible for maintaining the confidentiality of your login credentials, passwords, security codes, and other authentication information.

You must notify us promptly if you believe that:

• Your account has been accessed without authorization;
• Your login credentials have been compromised;
• You have lost control