The Style Service Terms and Conditions

1.1 These Terms & Conditions govern the Style Service provided by us and will form the basis of the contract between you and us. Separate terms and conditions apply to your use of our opticians services, please ask N1 EssilorLuxottica store staff for details.

1.2 When you sign-up to the Style Service you will enter into two contracts:

1.2.1 The first is the contract with us for participation in the Style Service and its benefits (in these Terms & Conditions we refer to this as the Plan).

1.2.2 The second is the loan agreement with Adaro for the Credit (in these Terms & Conditions we refer to this as the Adaro Loan Agreement).

1.3 When you submit your Application Form it is a contractual offer that we may, at our discretion, accept. By submitting your Application Form, you confirm that you are at least 18 years old and that the payment details you provide belong to you.

1.4 A credit search will be carried out in store when you sign up to the Style Service, this will assess your creditworthiness for an Adaro Loan Agreement. If you pass this credit search, the first payment for the Outstanding Credit will be taken in store. If you do not pass the credit search you will not be able to sign up to the Style Service.

1.5 Your Plan will not start until you pass the credit search, you sign the Adaro Loan Agreement, your first payment for the Credit has been processed, and we have confirmed your Plan to you by email. The date of our confirmation email will be the “Start Date” of the Plan.

1.6 Please be aware that you will need to return to your local participating N1 EssilorLuxottica store to collect your Glasses at a later date, usually 5 to 10 days after the Start Date.

1.7 At the start of your Plan you will be invited to choose two or three pairs of Glasses.

1.8 It is a condition of your participation in the Style Service that you comply with the terms of each Adaro Loan Agreement that you are party to.

1.9 N1 EssilorLuxottica is an appointed representative of Adaro who are authorised and regulated by the Financial Conduct Authority FRN 924690. The permissions of Adaro as a Principal firm allow N1 EssilorLuxottica to undertake credit broking. N1 EssilorLuxottica, FRN 948304, acts as a credit broker and not a lender.

1.10 We are not authorised by the Financial Conduct Authority to offer consumer credit.

1.11 We will send you emails related to Style Service benefits, Upgrade Period and any other changes to the Style Service whilst your Plan remains active.

2.1 Your Plan will begin on the Start Date and will continue until:

2.1.1 you terminate your Plan (see clause 7 and clause 8 below); or

2.1.2 we terminate your Plan (see clause 9 below).

2.2 Regardless of the status of your Plan, your Adaro Loan Agreements will continue until you have paid off all of your Outstanding Credit on that agreement or the agreement is otherwise terminated in accordance with its terms.

3.1 You will pay for your Glasses in accordance with the applicable Adaro Loan Agreement for those Glasses. Each Adaro Loan Agreement will set out your terms of payment for the Credit, including how much you are required to pay each month and when payment is taken.

3.2 If you have any questions about paying for your Glasses, including if you are struggling with the monthly payments, please contact Adaro by phone 03303240077, by email customerfinance@adaro.net, or by writing to Adaro Optics Ltd, The Willows, Pattenden Lane, Marden, Kent, TN12 9QJ.

4.1 Each year during the Upgrade Period, you will be invited to select a new pair of Glasses from a participating N1 EssilorLuxottica store which you can add into your Plan.

4.2 In order to add a new pair of Glasses into your Plan, one complete pair of Glasses will need to be removed from your Plan and will no longer be eligible for Style Service benefits (including reglazing). You can either keep the Glasses that you remove from the Plan, or you can return them to your local participating N1 EssilorLuxottica store for free. If you return the Glasses to your local participating N1 EssilorLuxottica store, we will recycle the Glasses and we will also make a charitable donation of £10 per returned Glasses to One Sight Foundation (charity number: 1092209; company number: 04426377) whose registered office is at Luxottica UK, Verulam Point, Station Way, St Albans, Hertfordshire AL1 5HE, the Luxottica Group Foundation with the mission to restore and preserve clear vision for adults and children in need who cannot afford basic eye care. You can only return one pair of Glasses to us per Plan during each Upgrade Period.

4.3 An Adaro Loan Agreement Plan will be repayable over a 24 or 36 month period (depending on your selection of two or three pairs of Glasses). However, if you choose to continue your Plan and enjoy its benefits by selecting a new pair of Glasses during the Upgrade Period, you will be required to enter into a new Adaro Loan Agreement for the new Credit for those new Glasses (together with your outstanding Credit balance) for an additional 24 or 36 months. In order to enter into a new Adaro Loan Agreement, you will need to successfully pass a new credit search and submit a new Adaro Loan Agreement application.

4.4 Subject to these Terms & Conditions, the new pair of Glasses that you purchase during the Upgrade Period as part of your Plan will qualify for the N1 EssilorLuxottica Quality Promise and the other benefits of the Style Service listed in clause 6, including free reglazes. The pair of Glasses that you remove from the Plan will no longer qualify for these benefits (for example, you will not be able to reglaze the pair of Glasses that you remove).

4.5 Please be aware that removing a pair of Glasses from the Plan during the Upgrade Period does not remove your obligation to pay Adaro for the Glasses under the applicable Adaro Loan Agreement. Any amounts outstanding for the Glasses will continue to be payable, and must be paid, by you in full.

4.6 If you do not select a new pair of qualifying Glasses from a participating N1 EssilorLuxottica store during the Upgrade Period, your Plan will end (subject to clause 9) on expiry of the Plan Term. You will be sent a breakdown of the Outstanding Credit by Adaro and the option to either continue your monthly payments until the end of your Adaro Loan Agreement(s) or to pay off the Outstanding Credit in one single payment in accordance with the applicable Adaro Loan Agreement(s).

5.1 You may take out one child or junior Plan for each child/junior in your family unit; one Plan will allow you to purchase two or three pairs of children’s Glasses for one child/junior through the Style Service. You may apply a valid NHS voucher towards the purchase. You do not need an adult Plan in order to have a child or junior Plan. You can take out a child or junior Plan for a child/junior in your family unit at any time by contacting your local participating N1 EssilorLuxottica store.

5.2 If you take out a child or junior Plan you will be required to enter into a new Adaro Loan Agreement for the new Credit. In order to enter into a new Adaro Loan Agreement, you will need to successfully pass a new credit search and submit a new Adaro Loan Agreement application.

5.3 An Adaro Loan Agreement for a child or junior Plan will be repayable over a 24 month period for 2 pairs or 36 months for 3 pairs. However, each time you select a new pair of Glasses in accordance with clause 5, you will enter into a new Adaro Loan Agreement for the new Credit on that new pair of Glasses (together with your outstanding Credit balance) for an additional 12 months.

5.4 Each year of a child or junior Plan you will be invited to select for the child/junior a new pair of Glasses during the Upgrade Period. Please see clause 4 above for further details.

5.5 Please be aware that lens upgrades are available for children/juniors for an additional charge that can be added to the balance of the outstanding credit as part of the Style Service agreement. Upgrades can only be applied at the start of a Plan or during the Upgrade Period.

6.1 With an active Plan you will have access to a number of amazing benefits. We’ve listed some of them below, but for full details please speak to a member of staff at your local participating N1 EssilorLuxottica store.

Quality Promise: At N1 EssilorLuxottica, we are here to make your journey stylish and of unbeatable quality. That is why we are proud to give you our Quality Promise. For full details of the benefits you receive as part of our Quality Promise please visit the N1 EssilorLuxottica website or ask in store.

Free routine eye tests: Once every year you are entitled to a free routine eye test in your local participating N1 EssilorLuxottica store during the applicable Upgrade Period.

Free reglaze: After you upgrade your Glasses in accordance with clause 4, you are entitled to reglaze the Glasses that remain in your Plan once a year during the applicable Upgrade Period if, during your most recent eye test, your prescription has changed significantly. Whether a change is to be deemed significant will be determined by the staff at your local participating N1 EssilorLuxottica store and will include changes such as:

Spheres: a total change in one or both eyes individually of over 0.50 diopters.

Cylinders: a total change in one or both eyes individually of over 0.50 diopters.Changes in cylinders axes as follows: - 0.25 diopters: a change of over 30 degrees in one or both eyes individually

- 0.50 diopters: a change of over 20 degrees in one or both eyes individually

- 0.75 – 1.75 diopters: a change of over 10 degrees in one or both eyes individually

- 2.00 diopters and above: a change of over 5 degrees in one or both eyes individually; or

The reglaze will be to the prescription of your most recent eye test and to the same lens design and specification as the current lenses. If your Optometrist recommends a switch to Varifocal lenses the reglaze will be to a Varifocal lens of the same quality as the current lens.

Change your Plan: If you have an adult Plan, you can increase your Plan from 2 pairs to 3 pairs of Glasses. You can make this change within 30 days of the Start Date, and you can also make this change within 30 days of the date that you extend your Plan during the Upgrade Period. Please note that in order to add an additional pair of Glasses you will be required to enter into a new Adaro Loan Agreement for the new Glasses and the new Credit. In order to enter into a new Adaro Loan Agreement, you will need to successfully pass a new credit search and submit a new Adaro Loan Agreement application.

Reduced cost replacements: If within 9 months from the date of adding a new pair of Glasses to your collection you lose a pair of Glasses, we will supply you with a like-for-like replacement provided that you pay to us 50% of the original retail price (prior to any Style Service discount) of the broken or lost Glasses. We will only provide a reduced cost replacement in accordance with this clause once a year.If within 9 months from the date of adding a new pair of glasses to your collection you damage a pair of Glasses, we will replace it with a like-for-like replacement for free. We will only provide a free replacement for damage in accordance with this clause once a year.

Offers: Adult plan members will have access to a number of offers including:• 30% off of all accessories for Glasses and 30% off plano (non-prescription) sunglasses;

• 30% off of the Glasses you choose at the start of your Plan in accordance with clause 1.7. This will only apply where the Glasses you select are a complete pair with prescription lenses; and

• In accordance with clause 4.2, if when adding a new pair of Glasses into your Plan, you return a pair of Glasses to your local participating N1 EssilorLuxottica store for recycling, you will receive 30% off of your new pair of Glasses.Please note that each of the above offers cannot be used in conjunction with any other offer and are not available on child or junior plans.

6.2 You are only entitled to these benefits whilst you have a valid Plan in place, including that you must extend your Plan by adding an additional pair of Glasses during each Upgrade Period in accordance with clause 4. Any Glasses removed (or to be removed) from your Plan during the Upgrade Period will not qualify for these benefits.

7.1 We hope that you will be delighted with your Glasses and the Style Service. But if you no longer want to participate you can cancel your Plan, and your Adaro Loan Agreement(s), within 30 days of the Start Date.

7.2 In order to cancel, you must contact your local participating N1 EssilorLuxottica store and return the Glasses purchased through the Plan to the store within 30 days of the Start Date. Glasses must be in an unworn (other than in-store fitting), saleable, condition and you must return them to the store with your receipt. We reserve the right to charge you for any damage to the Glasses from your use of them or handling of them in a way that would not be permitted in store. This may result in a charge to you for the full value of the damaged or mishandled Glasses.

7.3 If you change your mind and cancel within 30 days of the Start Date, any refund due to you will be made in accordance with your Adaro Loan Agreement, usually within 14 days of your cancellation to the payment method originally used by you.

8.1 You can cancel your Plan and pay off your Adaro Loan Agreement(s) at any time outside of the first 30 days by:

8.1.1 contacting your local participating N1 EssilorLuxottica store; or

8.1.2 not extending your Plan during the Upgrade Period in accordance with clause 4.

8.2 When you cancel your Plan or choose to pay off each of your Adaro Loan Agreements, you will be sent a breakdown of Outstanding Credit on each of your Adaro Loan Agreements and the option to either continue your monthly payments until the end of your Adaro Loan Agreement(s) or to pay off the Outstanding Credit in one single payment.

8.3 If you choose to pay off your Outstanding Credit in one single payment your Plan will terminate automatically once payment is received in full. If you choose to continue to pay off your Outstanding Credit in monthly payments, subject to clause 9, your Plan will continue until the end of the Plan Term when it shall end automatically.

8.4 For further details about repaying your Adaro Loan Agreement(s) please contact Adaro using the details in clause 12.3.

9.1 We can cancel your Plan in the following circumstances:

9.1.1 if you do not comply with these Terms & Conditions;

9.1.2 if you do not comply with any or all of your Adaro Loan Agreements;

9.1.3 if you fail to make any monthly payments when they are due;

9.1.4 if you do not extend your Plan by adding an additional pair of Glasses to your Plan during the Upgrade Period in accordance with clause 4.

9.2 To cancel your Plan, we will contact you using the details you have provided to us for the Style Service.

9.3 If your Plan is cancelled by us, you will automatically lose access to the benefits offered as part of this Plan. Your Adaro Loan Agreement(s) will continue until you have paid off all Outstanding Credit in accordance with the applicable Adaro Loan Agreement terms. You will be sent a breakdown of the Outstanding Credit on each of your Adaro Loan Agreements and details of how you can repay the Outstanding Credit.

10.1 We are under a legal duty to supply goods that conform to our contract with you.

10.2 We will be responsible to you for losses that are foreseeable, or damage that you may suffer as a result of us being in breach of the Plan, or as a result of our negligence. Loss or damage is “foreseeable” only if it is an obvious consequence of our breach or negligence, or if it is contemplated by you and by us at the time when the Plan is formed. We will not be liable to you for loss or damage that is not foreseeable.

10.3 We will not be responsible for any failure or delay in performing our obligations under this Plan where the failure or delay results from any cause that is beyond our reasonable control.

10.4 Nothing in these Terms & Conditions or the Plan seeks to exclude or limit our liability for death or personal injury caused by our negligence (including that of our employees, agents or sub-contractors); for fraud or fraudulent misrepresentation; for anything that cannot be limited or excluded by law.

10.5 Nothing in these Terms & Conditions or the Plan seeks to exclude or limit our liability with respect to your legal rights as a consumer. For more information about your legal rights and what remedies you may have if something goes wrong, please contact us using the details below. Alternatively, you could contact your local Citizens Advice Bureau or Trading Standards Office.

11.1 We are a data controller of all personal data that you provide to us in connection with the Plan. For further information about our processing of your personal data, please read our Privacy Policy.

12.1 We hope that you are happy with the Style Service, but if you have any comments or concerns, we would welcome your feedback.

12.2 You may contact us either in person at your local participating N1 EssilorLuxottica store or by emailing us info@davidclulow.com or by writing to us at N1 EssilorLuxottica Style Service, Verulam Point, Station Way, St Albans, Hertfordshire AL1 5HE.

12.3 If you have any questions about paying for your Glasses, including if you are struggling with the monthly payments under any of your Adaro Loan Agreements, please contact Adaro by phone 03303240077, by email customerfinance@adaro.net, or by writing to Adaro Optics Ltd, The Willows, Pattenden Lane, Marden, Kent, TN12 9QJ.

13.1 We may transfer or assign our obligations and rights under these Terms & Conditions (and under the Plan) to a third party (e.g., if we sell our business). If this occurs, you will be informed by us in writing. Your rights under these Terms & Conditions will not be affected and our obligations under the Plan will be transferred to the third party who will remain bound by them.

13.2 You may not transfer or assign your obligations and rights under these Terms & Conditions or under the Plan without our written consent.

13.3 The Plan is between you and us. With the exception of Adaro, it is not intended to benefit any other person or third party in any way and no such person or party will be entitled to enforce any provision of these Terms & Conditions.

13.4 If any of the provisions of these Terms & Conditions are found to be unlawful, invalid or otherwise unenforceable by any court or other authority, those provision(s) shall be deemed severed from the remainder of these Terms & Conditions. The remainder of these Terms & Conditions shall be valid and enforceable.

13.5 No failure or delay by us in exercising any of our rights under these Terms & Conditions means that we have waived that right, and no waiver by us of a breach of any provision of these Terms & Conditions means that we will waive any subsequent breach of the same or any other provision.

14.1 These Terms & Conditions, the Plan, and the relationship between you and us (whether contractual or otherwise) shall be governed by and construed in accordance with the law of England & Wales.

14.2 As a consumer, you will benefit from any mandatory provisions of the law in your country of residence. Nothing in clause 14.1 takes away or reduces your rights as a consumer to rely on those provisions.

14.3 Any dispute, proceedings or claim between you and us relating to these Terms & Conditions, the Plan, or the relationship between you and us (whether contractual or otherwise) shall be subject to the jurisdiction of the courts of England, Wales, Scotland, or Northern Ireland, as determined by your residency.

The Terms & Conditions were last updated in December 2022.