Terms Of Use

Website disclaimer

The information contained in this website is for general information purposes only. The information is provided by Adaro Direct/Adaro Optics and while we endeavour to keep the information up to date and correct, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability or availability with respect to the website or the information, products, services, or related graphics contained on the website for any purpose. Any reliance you place on such information is therefore strictly at your own risk.

In no event will we be liable for any loss or damage including without limitation, indirect or consequential loss or damage, or any loss or damage whatsoever arising from loss of data or profits arising out of, or in connection with, the use of this website.

Through this website you are able to link to other websites which are not under the control of Adaro Direct/Adaro Optics. We have no control over the nature, content and availability of those sites. The inclusion of any links does not necessarily imply a recommendation or endorse the views expressed within them.

Every effort is made to keep the website up and running smoothly. However, Adaro Direct/Adaro Optics takes no responsibility for, and will not be liable for, the website being temporarily unavailable due to technical issues beyond our control.

Website usage terms and conditions

By using this website you are agreeing to comply with and be bound by the following terms and conditions of use, which together with our privacy policy govern Adaro Direct/Adaro Optics relationship with you in relation to this website. If you disagree with any part of these terms and conditions, please do not use our website. The term ‘Adaro Direct’, ‘Adaro Optics’, 'Adaro’, ‘us’ or ‘we’ refers to the owner of the website whose registered office is Adaro Direct, The Willows Business Park, Pattenden Lane, Marden, Kent TN12 9QJ. The term ‘you’ refers to the user or viewer of our website. The use of this website is subject to the following terms of use:

• The content of the pages of this website is for your general information and use only. It is subject to change without notice.
• This website uses cookies to monitor browsing preferences. If you do allow cookies to be used, no personal information will be stored by us for use by third parties.
• Neither we nor any third parties provide any warranty or guarantee as to the accuracy, timeliness, performance, completeness or suitability of the information and materials found or offered on this website for any particular purpose. You acknowledge that such information and materials may contain inaccuracies or errors and we expressly exclude liability for any such inaccuracies or errors to the fullest extent permitted by law.
• Your use of any information or materials on this website is entirely at your own risk, for which we shall not be liable. It shall be your own responsibility to ensure that any products, services or information available through this website meet your specific requirements.
• This website contains material which is owned by or licensed to us. This material includes, but is not limited to, the design, layout, look, appearance and graphics. Reproduction is prohibited other than in accordance with the copyright notice, which forms part of these terms and conditions.
• All trademarks reproduced in this website, which are not the property of, or licensed to the operator, are acknowledged on the website.
• Unauthorised use of this website may give rise to a claim for damages and/or be a criminal offence.
• From time to time, this website may also include links to other websites. These links are provided for your convenience to provide further information. They do not signify that we endorse the website(s). We have no responsibility for the content of the linked website(s).
• Your use of this website and any dispute arising out of such use of the website is subject to the laws of England, Northern Ireland, Scotland and Wales.

Copyright notice

This website and its content is copyright of Adaro Direct/Adaro Optics 2012. All rights reserved. Any redistribution or reproduction of part or all of the contents in any form is prohibited other than the following:

• you may print or download to a local hard disk extracts for your personal and non-commercial use only
• you may copy the content to individual third parties for their personal use, but only if you acknowledge the website as the source of the material

You may not, except with our express written permission, distribute or commercially exploit the content. Nor may you transmit it or store it in any other website or other form of electronic retrieval system.

Company details

Adaro Optics Ltd is registered in England, company registration number: 05887690.

Registered office and address for all communication is:
Adaro Optics Ltd, The Willows, Pattenden Lane, Marden, TN12 9QJ

Status Disclosure Statement

Finance and Insurance services

1. The Financial Conduct Authority (FCA)
   The FCA is the independent watchdog that regulates financial services. Use this information to decide if our services are right for you.
2. Whose products do we offer?
   Adaro Optics Ltd are a lender. We also act as a Credit Broker. We can provide information on the following:
   Consumer Credit
   Occasionally, we may need to use the services of a credit broker. We will advise you of this if applicable.
3. Which service will we provide you with?
   We will provide you with information to assist with your funding decision on:
   Consumer Credit Agreements – Consumer Credit
4. What will you have to pay us for our services?
   Our loan products are all completely interest free with no upfront administration fees. The only time you may have to pay us more than you borrowed is in the event of default where we reserve the right to levy administration fees, court costs and interest on your outstanding balance.
5. Who regulates us?
   Adaro Optics Ltdis authorised and regulated by the Financial Conduct Authority for Consumer Credit activities, our Firm Reference Number (FRN) is 924690. Our FCA permitted business is arranging and/or providing consume credit.
   You can check this on the FCA Register by visiting www.fca.org.uk
6. What to do if you have a complaint.
   We hope that you are happy with Adaro Optics Ltd loan products, but if you have any comments or concerns, we would welcome your feedback.
   If you or the Bill Payer have any questions about repaying your loan, including if you or the Bill Payer are struggling with the monthly payments under any Adaro Loan Agreements, please contact Adaro by phone 03303240077, by email customerfinance@adaro.net , or by writing to Adaro Optics Ltd, The Willows, Pattenden Lane, Marden, Kent, TN12 9QJ.
   If you're dissatisfied with the Adaro loan process or experience and wish to make a compliant, full details on the Adaro complaints process can be found here
   If you cannot settle your complaint with us you may be entitled to refer it to the Financial Ombudsman Service.

* Calls to 0330 are included in any applicable call packages from landlines and in talktime and bundled minutes from mobiles, otherwise standard landline rates apply. Charges will apply to calls from outside the UK. Calls may be monitored or recorded in order to maintain high levels of security and quality of service.

Registered office and address for all communication is:
Adaro Optics Ltd, The Willows, Pattenden Lane, Marden, TN12 9QJ