Terms of Service

These terms are effective as of the last updated date shown below, and supersede all previous versions.

Date last updated: 01/10/2025

By providing your mobile number and opting in to receive our marketing short message service (SMS) messages, you agree to be bound by these Terms of Service.  

We Intelligent Lending Limited (company registration number 04291279), operating under the trading styles of Ocean, Home & Life, and CredAbility, provide business messaging services through RCS (Rich Communication Services) to communicate with our customers regarding:

  • Promotional messages where we have your explicit consent

When using this service, customers should note the following: 

  • Message and data rates may apply
  • Message frequency varies
  • Click the unsubscribe link in any marketing message to update marketing preferences. 

As a recipient of our messages, you agree to:

  • Provide accurate contact information when requested
  • Respect our customer service representatives when communicating
  • Not attempt to misuse or abuse our messaging system

Your privacy is important to us. Please review our Privacy Policy to understand how we collect and use your information.

You may not use our messaging service to:

  • Send illegal, harmful, or offensive content
  • Violate any applicable laws or regulations
  • Impersonate others or misrepresent your identity

You may opt out of our marketing messaging services at any time by:

If you opt out of marketing messaging services, you will still receive messages related to servicing

We strive to provide reliable messaging services but do not guarantee uninterrupted service. We reserve the right to modify or discontinue our messaging services at any time. 

Our messaging services are provided "as is." We are not liable for any damages arising from your use of our messaging services, except as required by law. This limitation of liability does not affect your statutory rights as a consumer under UK law. 

We may update these Terms of Service from time to time. We will notify users of material changes through our messaging service or website. 

These terms of service are governed by and interpreted in accordance with English law. Any disputes will be subject to the non-exclusive jurisdiction of the courts of England and Wales. 

For questions about these Terms of Service, please contact us at: