Terms of Service

Last updated: December 12, 2025

1. Who We Are

On The Go Credit (“we”, “our”, “us”) is operated by [Your Company Name Ltd], registered in England & Wales (No. [XXXXXXX]), registered office [Registered Address]. We are preparing for authorisation by the Financial Conduct Authority (FCA) under the Consumer Credit Act 1974.

2. Our Service

We offer subscription-based credit-builder plans that record payment performance with UK credit reference agencies (CRAs). No loans or cash advances are provided. All activity is limited to virtual credit-builder accounts designed to help you build a positive repayment record.

3. Eligibility

You must be 18 or over, a UK resident, and capable of entering a binding agreement. You agree to provide accurate, complete, and up-to-date information.

4. Fees & Payments

All subscription fees are displayed before checkout. Payments are processed securely via Stripe Payments UK Ltd. Plans renew monthly unless cancelled at least 24 hours before the next billing date. All prices include VAT where applicable.

5. Credit Reporting

With your consent, we may share payment data with Experian, Equifax, and TransUnion. Late or missed payments may affect your credit file. You may withdraw consent at any time in your dashboard.

6. Data Protection

We comply with UK GDPR and the Data Protection Act 2018. For full details, read our Privacy Policy.

7. Liability

We are not responsible for losses arising from service interruptions or events beyond our control. Nothing limits your statutory consumer rights.

8. Complaints

Contact complaints@onthegocredit.co.uk. We acknowledge within 5 business days and aim to resolve within 8 weeks per FCA DISP rules. If unresolved, you may refer to the Financial Ombudsman Service.

9. Governing Law

These Terms are governed by English law. The courts of England and Wales have exclusive jurisdiction.