Terms and conditions

What you are applying for

You are applying for a business credit card with a credit limit. The card is for an incorporated business, not for personal spending. The limit, if one is offered, is credit that has to be repaid.

The most that can be considered is £250,000. That is a ceiling, not a promise. Cashback of 1% and a £0 annual fee describe the card being applied for. The merchant confirms the actual limit, rate, cashback and fees in the credit agreement. Any figure you see on this website before that agreement is illustrative. It is not a binding offer and it is not a credit agreement.

u3man is not the lender and not the broker

u3man is not a credit lender. u3man is not a credit broker. u3man does not decide whether credit is granted, does not set the credit limit, does not price the card, and does not issue the card.

u3man takes the application, retains the personal and business data you give, and passes that data to a chosen merchant. The merchant is the party that acquires the credit card for the business. Only the merchant can offer the card, and only the merchant’s credit agreement binds the business.

u3man is not Visa, and it is not an FCA-authorised lender.

Credit checks the merchant will run

u3man does not search a credit reference agency. The chosen merchant does, using the details you submit.

• Soft credit check — you, personally. The merchant will carry out a soft credit check using your personal details (name, date of birth, address and the other personal information on the form). A soft check is not normally shown to other lenders and, by itself, should not affect your personal credit score.
• Hard credit check — the business. The merchant will carry out a hard credit check using the business details (legal name, company number and the other business information on the form). A hard check can be seen by other lenders and can affect the business credit file.

By submitting the application you agree that u3man may pass your personal details and the business details to that merchant so those checks, and the credit card application, can be carried out.

Who can apply

The applicant must be at least 18, live in the UK, and be an active director or a shareholder with 25% or more of a UK private limited company, LLP or PLC. The business must have been trading for at least 12 months, with monthly turnover of at least £2,000. Sole traders, ordinary partnerships, charities and personal applicants are not eligible. You confirm that you are allowed to apply for the business and to give its details.

Your application

The information you give must be true. Bank details are collected so the merchant can set up the Direct Debit if a card is opened. u3man emails the enquiry to info@u3man.be and holds it so it can be passed to the merchant and to the other third parties used to obtain the card.

By submitting the application you consent to your personal data and the business data being submitted to the merchant and to those third parties, and to being contacted by them, for the purpose of obtaining the credit card. Contact can be by email, phone or post, about the application and the card. That consent is separate from marketing, which you can opt out of.

Temporary password

u3man generates a temporary password for your account and passes that temporary password to you. You must change it. u3man does not store the new password you set.

You can read how the data is used in the Privacy policy and the GDPR notice. u3man is fully GDPR compliant.

Marketing

u3man reserves the right to send marketing by email, by phone and by post. That includes the email address, mobile number, business landline and postal addresses you give on the application. Marketing may cover the business credit card, related credit products, and other services for the business.

You can opt out at any time by emailing info@u3man.be, or by using the unsubscribe link in a marketing email. Opting out stops marketing. It does not withdraw the application or stop us passing it to the merchant.

Contact

Questions about these terms: info@u3man.be. Questions about a credit agreement, a limit or a credit search result belong to the merchant once the application has been passed to them.