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Borrower

This section provides essential legal documents and terms specifically relevant to our borrowers. Here you will find direct links to your Loan Contract and other crucial agreements that form part of your loan terms. Please review these documents carefully as they outline your rights and obligations as a borrower.

Loan Contract Terms

Proviso End User Terms

Proviso Privacy Policy

Credit Sense End User Terms

Legal

Latest

Loan Contract

Here, you'll find previous versions of our loan agreements, provided for your reference and historical record. Please note that these documents are for informational purposes only and may not reflect the terms of your current or active loan. Always refer to your specific loan agreement for the applicable terms and conditions.

Effective from August 2021 to November 2021

Effective from March 2021 to August 2021

Effective from December 2020 to March 2021

Effective from September 2020 to December 2020

Effective from June 2019 to September 2020

With Payment Protect - Effective from June 2019 to September 2020

Effective from December 2018 to June 2019

Effective from May 2018 to December 2018

Effective from October 2017 to May 2018

Effective from September 2016 to October 2017

Effective from December 2015 to September 2016

Effective from June 2015 to December 2015

Effective from October 2014 to June 2015

Effective from September 2014 to October 2014

Effective from September 2014 to September 2014

General

This section contains our broader legal policies and terms that apply to all users and general interactions with Harmoney. These documents aim to provide transparency regarding our operational procedures and your overall engagement with our services.

Privacy Policy

Customer Service Terms

Marketing Communications

Cancellation

Archived Agreements

Borrower

Payment Protect

Harmoney is no longer offering loans with Payment Protect as of 1 April 2020.


Loans taken out with Payment Protect attached before 1 April 2020 will not be affected.

Effective from December 2018 to June 2019.

Effective from May 2018 to December 2018.

Effective from September 2016 to May 2018

Effective from April 2016 to September 2016

Effective from December 2015 to April 2016

Things You Need to Know

Things you need to know about your Loan Contract and Customer Service Terms.

Effective December 2018

Effective from May 2018 to December 2018

Effective from September 2016 to November 2016

Effective from March 2016 to September 2016

Platform agreement

Here, you'll find a record of the past agreements that set out the terms for using Harmoney's peer-to-peer lending service.

Effective from October 2017 to May 2018

Effective from September 2016 to October 2017

Privacy policy

Browse our collection of past Privacy Policies for historical reference. These documents outline our data practices during specific periods and are not our current Privacy Policy.

Effective from April 2021 to May 2022

Effective from September 2020 to April 2021

Effective from January 2020 to September 2020

Effective from September 2019 to January 2020

Effective from May 2019 to September 2019

Effective from May 2018 to May 2019

Effective from August 2016 to May 2018

Effective from August 2015 to August 2016

Effective from August 2014 to August 2015

Effective from July 2014 to August 2014

Other

This section offers a concise archive of past legal documents and terms for historical reference. Here you'll find previous versions of Customer Service Terms, Website Terms of Use, and our Peer to Peer Lending Archive. These documents provide insight into our evolving legal frameworks over time.

Customer Service Terms - Effective from September 2020 to December 2020

Customer Service Terms - Effective from June 2019 to September 2020

Website Terms of Use - Effective from July 2014

Peer to Peer Lending Archive - Effective from January 2024.

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