Don't worry, GDPR is really
easy to get to grips with.
We'll keep things simple and explain to you what you should know...
All businesses in the UK who process personal data have to comply with the General Data Protection Regulation (GDPR for short). You may have heard of GDPR and we want to explain how this applies to you and your relationship with Littlewoods.
At its heart, GDPR wants to better reflect the modern world we live in and make sure our personal information is kept safe and secure by businesses that use it. It's a good thing for all of us.
What is personal data?
Personal data is any information which relates to you. From your name and address to unique account numbers, any information that can identify you can be classed as personal.
This information is used by a vast array of organisations from your employer storing your personal details at work, to how your favourite shop targets you with their promotional offers.
Under GDPR, businesses are required to take greater care over your personal information and how it's used.
What does GDPR say?
GDPR aims to put you in further control of your information. You now have additional rights & this includes the right to access the information
companies hold so you can understand what companies know about you. More information can be found in our privacy notice at the bottom of this page.
We keep your data safe
so there won't be any
Our commitment to keeping your information private and safe hasn't changed! Trust has always been of great importance to us and will continue to be.
We continue to review how we work and will always have your interests at heart.
Our privacy notice reflects our open and honest approach to how we collect and use your information.
Above all we want to be clear on our ongoing promise to keep your information safe.
In summary this policy explains how:
- We will be open about what data we collect
- We will be open about how we use it
- We will demonstrate to you how we take your privacy very seriously
Making our shopping
experience unique to you!
We want to provide you with the best possible shopping experience and using some of your information helps us to do that. By using your information, we can carefully select products and services that we think may be of interest to you rather than just send out lots of updates.
If you are a customer or signed up to hear from us, then we may communicate things like promotions, discounts, new product launches or sale previews to you via email or text. Here's a quick example of how this works.
Last Christmas we were able to help thousands of our customers buy a leading Xbox bundle at the cheapest price on the market.
We were able to identify a group of customers who we knew were interested in buying an Xbox. Using this information we were able to contact those people with the best bundle at the best price using emails to communicate our offer.
Our customers secured the best product at the best price. We made it easy for our customers to find the right product and were effective in our marketing. It’s a win win.
View our full privacy noticeFind out here
Delay Payments for 12 months with Buy Now Pay Later when you spend £50 or more
Interest is calculated and compounded daily at a typical rate of 44.9% per annum for the delayed payment period and repayment period and is charged to your account at date of order as a lump sum.
Remember, avoid paying all interest by paying the cash price before the end of the delayed payment period. This can be done in one full payment or multiple partial payments.
What is Buy Now Pay Later?
Buy Now Pay Later is an interest bearing option that allows you to delay payments on your purchases for up to 12 months. The delayed payment period starts from the date of order (including pre-ordered items and those not ready for immediate dispatch).
You can choose:
A delayed payment period of 12 months and then a repayment period of 104 weeks when you spend £50 or more.
A delayed payment period of 12 months and then a repayment period of 156 weeks when you spend £99 or more.
How interest is calculated?
Interest will be charged for the delayed payment period and the chosen repayment period.
Interest is calculated and compounded daily at a typical rate of 44.9% per annum for the delayed payment period and repayment period and is charged to your account at date of order as a lump sum. This calculation factors in the planned payments that are requested during the repayment period. Your interest rate is personal to you and will be detailed in checkout.
How to avoid paying interest?
You can avoid paying all interest for both periods by paying the cash price before the end of the delayed payment period. This can be done in one full payment or multiple partial payments.
Making partial payments may result in a portion of the lump sum of compound interest being refunded at the end of the delayed payment period.
Remember if you choose not to pay the full cash price before the end of the delayed payment period any outstanding balance plus the lump sum of compound interest applied at the date of order will become payable.
How do I make a Buy Now Pay Later payment?
To make a full or partial payment simply log into My Account, choose "Make a payment", select "Pay Buy Now Pay Later" and allocate your payment to the specific item(s) you wish to pay off. Alternatively, you can call us.
What happens after the delayed payment period?
If you have not made any payments towards your Buy Now Pay Later, the outstanding balance plus the lump sum of compound interest will be payable across your chosen repayment period. This will now be included in your account minimum payment request each month.
If you have made partial payments, but not cleared the full cash price before the end of the delayed payment period, the outstanding balance plus a reduced lump sum of compound interest will become payable. The repayment amount agreed for the repayment period will remain the same, meaning the repayment period may be shorter than originally agreed.
If you have paid the cash price in full before the end of the delayed payment period, you will not pay any interest.
What is excluded from Buy Now Pay Later?
The costs for delivery, installation services and any warranty and insurance products cannot be placed on Buy Now Pay Later. Buy Now Pay Later availability is subject to your credit and account status.
Do I still have to pay my minimum payment?
Yes, allocating payments to Buy Now Pay Later will not cover the minimum payment for your Littlewoods account. If you have a non-Buy Now Pay Later balance on your Littlewoods account, you will still need to make at least your minimum payment as shown on your statement.