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These terms and conditions set out the basis on which you can use our website and place orders for items from Next Directory.By ordering goods from Next Directory you are deemed to have understood and accepted these terms.Next Retail Limited is authorised and regulated by the Financial Conduct Authority for consumer credit. When you apply for credit we will make searches about you at credit reference agencies who will supply us with credit information, as well as information from the Electoral Register.The agencies will record a search which can be seen by you, Next and other lenders on your credit file, whether or not credit is granted.The Terms and Conditions governing your use of a Next Credit Account will be set out in the credit agreement.Next reserves the right to alter or amend credit charges, to withdraw credit, to accept or reject orders, to refuse applications, or with two months prior notice to close an account.When you apply for a Next Credit Account and your application is accepted, a Next Credit Account will be opened for you.

These searches will not be available to other lenders for credit assessment purposes.However, strict rules regarding the confidentiality and security of your information are in place to safeguard it.A Next Credit Account allows you to spread the cost of purchases (subject to status and approval 22.9% APR variable representative).Credit searches and other information which is provided to us and/or the credit references agencies, about you and those with whom you are linked financially, may be used by Next and other companies if credit decisions are made about you or other members of your household.This information may also be used for debt tracing and the prevention of money laundering as well as the management of your nextpay account.Any remaining order value will be charged to your credit account.