Website Terms of Use

These Terms of Use ("Terms") govern your use of this website ("Website"). By accessing or using this Website, you agree to be bound by these Terms. If you do not agree to these Terms, you must not use the Website.

About us

This Website is operated by Step Exchange Ltd ("StepEx", "we", "us", or "our").

StepEx Exchange Ltd is a company registered in England and Wales. StepEx Lender Ltd is wholly owned by Step Exchange Ltd and is authorised and regulated by the Financial Conduct Authority (FCA) for consumer credit activities.

Further regulatory information is available on our Regulatory & Compliance page.

Purpose of the Website

The Website is provided for general informational purposes only.

It is intended to:

• explain how StepEx operates;
• provide information to education providers and students;
• host insights, research, and explanatory content.

Nothing on this Website constitutes:

• financial advice;
• Some pages may constitute financial promotions approved by StepEx Lender Ltd.
• Nothing on this website is personalised financial advice;
• an offer or invitation to enter into a finance agreement.

Any finance offered by StepEx is subject to eligibility and affordability assessments and is available only through our application portal.

Eligibility and access

You may use the Website only for lawful purposes.

You must not use the Website:

• in any way that breaches applicable law or regulation;
• to transmit or upload harmful, unlawful, or misleading content;
• to interfere with the security or operation of the Website.

We may suspend or restrict access to the Website at any time without notice if we reasonably believe these Terms have been breached.

No reliance on information

The content on this Website is provided for general information only and is not intended to be relied upon.

While we take reasonable care to ensure information is accurate and up to date, we do not guarantee that:

• content is complete, accurate, or current; or
• the Website will be available at all times.

You acknowledge that any reliance on information obtained through the Website is at your own risk.

If there is a conflict between information found on this website and information in a contract you have with us you must rely on the information in the contract.

Finance applications

Where the Website refers to finance or payment options:

• Finance is provided by StepEx, not by education providers.
• Applications for finance are made directly with StepEx.
• Approval is not guaranteed and depends on eligibility and affordability assessments.
• Full terms and disclosures are provided before any finance agreement is entered into.

The Website itself does not constitute an application for finance unless expressly stated.

Intellectual property

All content on the Website, including text, graphics, logos, documents, and design, is owned by or licensed to StepEx and is protected by intellectual property laws.

You may:

• view and print pages for your personal or internal business use.

You must not:

• copy, reproduce, modify, distribute, or exploit Website content for commercial purposes without our prior written consent.

Links to third-party websites

The Website may contain links to third-party websites or resources.

These links are provided for convenience only. We have no control over the content or availability of third-party sites and accept no responsibility for them.

The inclusion of a link does not imply endorsement.

Limitation of liability

To the extent permitted by law, StepEx excludes all liability for any loss or damage arising out of or in connection with your use of the Website, including (without limitation):

• loss of profits, revenue, or business;
• loss of data;
• indirect or consequential loss.

Nothing in these Terms limits or excludes liability for:

• death or personal injury caused by negligence;
• fraud or fraudulent misrepresentation;
• any liability that cannot be excluded under applicable law.

Data protection

Your use of the Website is subject to our Privacy Policy, which explains how we collect and process personal data.

By using the Website, you acknowledge that your personal data will be handled in accordance with that policy.

Changes to these Terms

We may update these Terms from time to time.

Any changes will take effect when published on this page. Your continued use of the Website after changes are published constitutes acceptance of the updated Terms.

Governing law and jurisdiction

These Terms are governed by the laws of England and Wales.

The courts of England and Wales shall have exclusive jurisdiction to resolve any disputes arising in connection with these Terms or your use of the Website.