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[SI] General Terms and Conditions | 1995


Jun 20, 2018

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CUSTOMER SERVICES +44 909 879 0974

The terms and conditions form part of the agreement that is made between the Borrower (You) and us, Sparrow Investments. This Agreement​
is secured by the guarantee and indemnity, provided by the borrower. The loan amount will be paid direct to the borrower's bank​
account — This is to prevent fraud. Upon receipt of the loan amount, the borrower is required to pay back the loan to Sparrow Investments,​
in accordance with any instructions they give. Once your loan has been accepted, this agreement will be legally binding​

We will provide the credit to you by way of Bank Transfer. The Amount of Credit will be transferred to you after we have received the​
signed Electronic agreement from you. This may include carrying out credit checks and verifying your identity and the information​
you've provided in your application​

The Fixed APR (20%) and the total amount payable have been calculated on the assumption that the Agreement remains valid for the​
full term. This interest is then added to your Loan Account on each calendar month, on the payment due date from the date this​
Agreement starts until the full balance owed to us has been recovered. This means that if the Monthly payment is not made on time,​
you will be charged additional arrears interest on any unpaid amounts, which will be calculated at the rate shown in this agreement​

Before the Credit is transferred, you will give us consent to collect your Monthly Payments direct from your bank. This consent enables​
us to use this to collect each full Monthly Payment you owe us until it is paid. Where more than one payment is due, we will exercise​
the rights under the Banking Authority to collect the full arrears outstanding. Legal proceedings may be taken against you which​
could result in the debt being secured against any property you own​

The First Repayment is payable within 31 days of us transferring the credit to you. Each monthly installment is due and payable on the​
same day of each consecutive calendar month​

We may terminate your Loan Agreement and require you to pay all sums payable early, if any of the following happen:​
Your Circumstances change during the length of this Agreement, that may impact your ability to repay the credit owed to us​
Your Circumstances change in a way which affects our decision to lend to you, i.e Breaching international law or involved in crime​
We're required to do this, because of any Legal or Regulatory requirement by a recognised international body​
Without notice, we will exercise our right to collect the full arrears outstanding direct from your Bank Account​

You have the right, at any time to make an over-payment to reduce the money you owe us under this Agreement. If you decide to​
make an over-payment, you must notify us by calling the Early Repayment line above — This is a 24 Hour Service. The amount you​
owe us will be used to reduce the length of this Loan Agreement​

You have the right to withdraw from this Agreement without having to give reason. This right commences on the day on which the​
Agreement is made and continues for 5 days. To withdraw, you must notify us by calling the Withdrawal line above. Once you have​
notified us, you cannot change your mind and the amount payable will be retrieved no later than 2 days of your notice to withdraw​
There is an additional Withdrawal Fee of $100,000,000, which will be recovered with the amount owed to us​

You have the right to Early Settlement, which can be made by contacting us. We will provide you with a Settlement quote​
Your Settlement Quote is valid for 5 days from the date you request it, and will include all interest up to and including the date the​
quotation expires. As you're settling your Agreement early, a fee of $250,000,000 will be recovered with the amount owed to us​

By entering into this Loan Agreement, you agree that your dealings with us before and after you take out this loan will be governed by​
the International Court of Justice, who will have exclusive jurisdiction to settle any disputes or claims arising out of or in connection​
with this Agreement. You consent to us communicating with you and sending you Documents, including statutory notices by SMS,​
Email or Post. You warrant that the information in this Application and contained in this agreement is true and accurate​

During this Agreement, you can request, free of charge, a statement of your Loan Account which shows the due date and the amount of​
all future monthly payments you owe us. This Statement will also show the amount of interest which is due to be charged, and if applicable,​
any other outstanding fees. You can request this by contacting us via Email, only​

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Jun 20, 2018

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CUSTOMER SERVICES +44 909 879 8799

The Delivery Date means the date estimated by the Seller for when Goods are to be delivered
Which shall in any event be within a reasonable time following the date of the Purchase order​
The Contract means any contract between the Seller and the Buyer for the sale and purchase of Goods incorporating these Conditions​
The Price means the price of the Goods, Including VAT (5%) or any analogous sales tax, carriage, freight, postage or insurance costs​
All of which the Buyer will pay in addition, unless otherwise agreed in writing with the Seller​

Each Purchase Order shall be deemed to be an offer to buy the Goods according to the Price, subject to these Conditions​
These Conditions shall apply to all Contracts for the sale of Goods by the Seller to the Buyer in any jurisdiction, to the exclusion of all others​
No order for Goods placed by the Buyer shall be deemed accepted by the Seller until the Seller accepts the Payment due​
Any quotation is given by the Seller on the basis that no Contract shall exist until acceptance of an order for Goods is made​
Any such quotation is valid for 5 days only from its date, or until any earlier withdrawal in writing by the Seller​

Returns are only accepted within 10 Days of the date of purchase. To be eligible, the Goods must be in the same condition that​
the Buyer receives it. All Returns must include any Accessories, and Documentation that was shipped with the Goods. The Buyer is​
responsible for paying the Return Shipping Charge $100,000,000 that is not related to a defective product. Sale items cannot be refunded​

Payment of the Price, Plus VAT and other applicable costs shall be due within 5 days of the date of receipt of the invoice​
The Seller reserves the right to suspend delivery of any order of Goods to any Buyer who is in default of the Seller's payment terms​
Interest on overdue invoices shall accrue from the date when Payment was due to the date of actual Payment at a rate of 5% Per annum​

Photographs, specifications or drawings of the Goods issued by Seller in any Catalogue or Website are for illustrative purposes only​
The Seller reserves the right to make any changes to the Specification of Goods, which are required to confirm with any Statutory or​
Regulatory requirement, and which do not materially affect their quality or performance​
If any Purchase Order is cancelled, the Seller reserves the right to make a charge for work already carried out​

Title to the Goods shall not pass to the Buyer until the Seller has been paid in full in cash or in cleared funds for the Goods​
Until ownership of the Goods has passed to the Buyer, the Buyer shall:​
Store the Goods separately from all other goods, in such a way as they remain identifiable as the Seller's property​
Not destroy, deface or obscure any identifying mark or packaging on or relating to the Goods​
Maintain the Goods in satisfactory condition​
The Buyer's right to possession of Goods shall terminate automatically and immediately if the Buyer ceases to trade, becomes insolvent or​
unable to pay its debts, or shall enter into liquidation whether voluntarily or compulsorily​

Neither Party shall be liable for any delay or failure to perform any of its obligations, if the delay or failure results from events​
or circumstances outside its reasonable control, including but not limited to Strikes, Lock outs, Accidents, War, Flooding,​
Fires, Explosions or unavailability of Raw Materials and the party shall be entitled to a reasonable extension​

These Conditions shall be governed by and construed in accordance with the International Law, and parties hereby submit​
to the exclusive jurisdiction of the International Courts of Justice​

The Seller warrants that on delivery, and for a period of 12 Months the Goods shall confirm in all Material Respects​
with their Description and Specifications, and be free from all Defects in material and Workmanship​
Subject to the Buyer giving notice in writing to the Seller during the Warranty Period within a reasonable time of discovery​
And the Supplier is given a reasonable opportunity of examining such Goods, and the Buyer returns such Goods to the place of business​
at their own cost. The Seller shall, at it's option, repair or replace the Defective Goods​

The Goods acquired are solely for the Buyer intending to use them and will not Resell, Transfer, Exchange, Disassemble or otherwise Auction​
the Goods without obtaining written consent by the Seller, which consent may be granted or withheld in its sole discretion​
All Proprietary information of the Seller, including but not limited to Specifications, Samples, Designs, Plans, Documents and Data​
related to the Goods or Business in connection with the Agreement is confidential and may not be disclosed or copied​

Sparrow Safeguarding will keep Client Records in an Encrypted Database, for an indefinite period​
Sensitive information may be accessed by a Third Party, only when there is a "Lawful basis" to do so​

It is the responsibility of the Buyer to ascertain and obey all applicable Local, State, and International Laws in regards​
to the possession and use of any Goods purchased from Sparrow Safeguarding. All Products are sold under the condition that we, the Seller​
shall not be liable in any action or injury occasioned during the Transportation, Handling, Storage or use of the Goods.​
By placing an order, the Buyer represent the Goods ordered will be used in a manner that is legal. The Seller will not be held liable​
for the misuse of any Goods sold​

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