Last Updated: 23/07/2024
To use our service you must be 18 years of age or over and a UK resident
GAIN Credit LLC (trading as Drafty) (“we”, “us” “our”) provides access to its website at www.drafty.co.uk (“Website”) to users (“you”, “your”) for their personal use.
Please read the following terms of use (“Terms of Use”) carefully before using this Website. These terms govern your use of the website – www.drafty.co.uk
All users of this Website (whether or not you choose to apply for, or use our services) agree that access to and use of this Website, and all communication between us and you, are subject to these Terms of Use.
If you access or use our website, or any of the internal or external links to or from our website, you agree to the terms listed on this page.
If you do not agree with the Terms of Use or our Privacy Policy, please do not use this website.
We will try to ensure that the Website is available at all times.
However, we reserve the right to withdraw or amend the service we provide without notice for any reason.
We may need to suspend the service to carry out maintenance, or there may be occasions where access to the website is interrupted by circumstances outside of our control.
We are not liable if, for any reason, our Website is unavailable at any time for a period.
To use our website, our services, or products, you must be over 18 years of age and a UK resident.
Information contained on the Website does not amount to an invitation to customers who are under 18 or who are outside of the UK to buy any services or products.
You are prohibited from using this Website to post or transmit any material that is:
While we are under no obligation to oversee, monitor or moderate any interactive service we provide on our Website, we may, from time to time, review material transmitted or posted using this Website.
We reserve the right to delete any material that does not comply with these Terms of Use or which we deem inappropriate for any reason, at our sole discretion.
When you access or use our Website, you must not upload or send material that is technically harmful, including (without limitation):
You agree not to misuse the Website (including, without limitation, by hacking).
All comments submitted by you to be posted on Drafty’s blog are subject to our prior approval. You acknowledge and agree that all comments or other material posted on Drafty’s blog will be considered non-confidential and non-proprietary and will become and remain our exclusive property, even if the provisions of these Terms of Use are later modified or terminated.
You agree that Drafty and its designees will be free to copy, disclose, distribute, incorporate and otherwise use or delete such material and all data, images, sounds, text, and other things embodied therein for any and all commercial or non-commercial purposes. We also have the right to disclose your identity to any third party who is claiming that any material posted or uploaded by you to our Website constitutes a breach of their intellectual property rights, or of their rights to privacy. We will not be responsible, or liable to any third party, for the content or accuracy of any materials posted by you or any other user of the Website.
We have no control or endorse any of the websites linked to this Website.
We are not responsible for the content, accuracy, security or reliability of any websites or pages linked to this Website.
If you visit any third-party websites from this Website via links, you are doing so at your own risk.
We are not responsible or liable for any damages that may result from or in connection with such links or websites.
You are not entitled (nor will you assist others) to set up links from other websites to this Website (whether by hypertext linking, deep-linking, framing, toggling or otherwise) without our prior written consent, which we may grant, withhold, and withdraw at our absolute discretion.
Unless otherwise stated, the copyright and other intellectual property rights in the material published on the Website are owned by us or our licensors.
All rights not expressly granted by these Terms of Use are reserved.
You may not copy material from this Website for commercial use, but you may copy material in limited quantities for your personal non-commercial use.
We reserve the right to terminate, at any time, your permission to make personal copies of material from this Website.
Nothing on this Website should be construed as a licence to use any trademarks displayed on this Website.
Your use of such trademarks is strictly prohibited.
Your use of this Website and material from this Website is at your own risk.
We will try to ensure that the information on the Website is correct and up-to-date but we make no guarantees about the accuracy and completeness of the content on the Website.
Commentary and other materials posted on our Website are not intended as advice and should not be relied on.
We therefore disclaim all liability and responsibility arising from any reliance placed on such materials by you or anyone that may be informed of its contents.
This Website and the material provided on it are provided “as is” without any conditions, warranties, or other terms of any kind.
To the extent permitted by law, we, other members of our group of companies and third parties connected to us, provide you with access to this Website on the basis that we exclude all conditions, warranties and other terms which might otherwise be implied by statute, common law, or the law of equity.
You are liable to us for any damage, loss, claim, demand, liability, or expense (including reasonable legal fees) that we may suffer or incur arising out of or in connection with your conduct on the Site and/or your breach of these Terms of Use.
We, other members of our group of companies and third parties connected to us exclude all liability and responsibility for any direct, incidental, consequential, indirect loss or damage incurred by you or any other user arising out of access to, use of, or inability to use of/ any liability for:
This does not affect our liability for death or personal injury arising from our negligence (as such term is defined under the Unfair Contract Terms Act 1977), nor our liability for the tort of deceit or misrepresentation as to a fundamental matter, nor any other liability which cannot be excluded or limited under applicable law.
We reserve the right to revise these Terms of Use at any time by amending this page.
You are bound by any changes, deletions, or additions we have made, and you should check this page from time to time to take notice of any such amendments.
Your continued use of the Website, following any changes to these Terms of Use, will mean you accept these changes.
If any provision of these Terms of Use is found to be unlawful, void, or unenforceable, that provision shall be deemed severed from this agreement and shall not affect the validity and enforceability of the remaining provisions.
No failure or delay by us in exercising any right under these Terms and Conditions will operate as a waiver of that right nor will any single or partial exercise by us of any right preclude any further exercise of any right.
These Terms of Use are governed by English law and the English Courts will have exclusive jurisdiction in respect of all disputes arising out of or in connection with these Terms.
If you have any questions or concerns about the use of your personal information as described above, please contact us
Drafty is a trading name of GAIN Credit LLC which is a limited liability company registered in State of Delaware, USA under number 4124111 at the registered address: 251 Little Falls Drive, Wilmington, DE 19808, USA.
GAIN Credit LLC is Authorised and Regulated by the Financial Conduct Authority. Our FCA Registration number is 689378.
We are licensed by the Information Commissioner’s Office (Registration Number: Z2752028).
Drafty is an FCA-authorised provider of a Revolving Line of Credit with a credit limit of up to £3000, available to borrow as and when you need it (subject to affordability checks). You only pay interest on what you draw/use.
Representative Example: Assumed credit limit: £1200. Representative 96.2% APR (variable). Annual interest rate 69.4% (variable).
There is no set minimum or maximum repayment term, so long as the minimum monthly repayment sum is met, however, you may repay back early without any fees and save on interest.