Terms of use

Last updated: 3 September 2026 · Version: v1.0 · Jurisdiction: United Kingdom · GAIN Credit LLC (trading as Tutu)

To use our service you must be 18 years of age or over and a UK resident.

GAIN Credit LLC (trading as Tutu) ("we", "us", "our") provides access to its website at www.tutu.co.uk ("Website") to users ("you", "your") for their personal use. Please read the following terms of use ("Terms of Use") carefully before using this Website. These terms govern your use of the website – www.tutu.co.uk.

These Terms of Use should be read together with our Privacy Policy. All users of this Website (whether or not you choose to apply for, or use our services) agree that access to and use of this Website, and all communication between us and you, are subject to these Terms of Use. If you access or use our website, or any of the internal or external links to or from our website, you agree to the terms listed on this page. If you do not agree with the Terms of Use or our Privacy Policy, please do not use this website.

1. Access to our Website

We will try to ensure that the Website is available at all times.

However, we reserve the right to withdraw or amend the service we provide without notice for any reason.

We may need to suspend the service to carry out maintenance, or there may be occasions where access to the website is interrupted by circumstances outside of our control.

We are not liable if, for any reason, our Website is unavailable at any time for a period.

2. Use of Website

To use our website, our services, or products, you must be over 18 years of age and a UK resident. Information contained on the Website does not amount to an invitation to customers who are under 18 or who are outside of the UK to buy any services or products. You are prohibited from using this Website to post or transmit any material that is:

  • Inaccurate (where such material states a fact)
  • Unlawful
  • Threatening
  • Libellous
  • Defamatory
  • Obscene
  • Scandalous
  • Offensive
  • Inflammatory
  • Pornographic
  • Discriminatory
  • Profane
  • Liable to incite racial hatred
  • Any material that infringes the rights of any third party (including but not limited to any copyright, trademark, or other proprietary right)
  • Any material that could constitute or encourage unlawful conduct or for which you have not obtained all necessary licences and/or approvals

While we are under no obligation to oversee, monitor or moderate any interactive service we provide on our Website, we may, from time to time, review material transmitted or posted using this Website.

We reserve the right to delete any material that does not comply with these Terms of Use or which we deem inappropriate for any reason, at our sole discretion.

When you access or use our Website, you must not upload or send material that is technically harmful, including (without limitation):

  • Computer Viruses
  • Logic Bombs
  • Trojan Horses
  • Worms
  • Harmful Components
  • Corrupted Data
  • Other Malicious Software
  • Harmful Data

You agree not to misuse the Website (including, without limitation, by hacking).

3. Links

We have no control or endorse any of the websites linked to this Website.

We are not responsible for the content, accuracy, security or reliability of any websites or pages linked to this Website.

If you visit any third-party websites from this Website via links, you are doing so at your own risk.

We are not responsible or liable for any damages that may result from or in connection with such links or websites.

You are not entitled (nor will you assist others) to set up links from other websites to this Website (whether by hypertext linking, deep-linking, framing, toggling or otherwise) without our prior written consent, which we may grant, withhold, and withdraw at our absolute discretion.

4. Ownership of Intellectual Property

Unless otherwise stated, the copyright and other intellectual property rights in the material published on the Website are owned by us or our licensors.

All rights not expressly granted by these Terms of Use are reserved.

You may not copy material from this Website for commercial use, but you may copy material in limited quantities for your personal non-commercial use.

We reserve the right to terminate, at any time, your permission to make personal copies of material from this Website.

Nothing on this Website should be construed as a licence to use any trademarks displayed on this Website.

Your use of such trademarks is strictly prohibited.

5. Disclaimer

Your use of this Website and material from this Website is at your own risk.

We will try to ensure that the information on the Website is correct and up-to-date but we make no guarantees about the accuracy and completeness of the content on the Website.

Commentary and other materials posted on our Website are not intended as advice and should not be relied on.

We therefore disclaim all liability and responsibility arising from any reliance placed on such materials by you or anyone that may be informed of its contents.

This Website and the material provided on it are provided "as is" without any conditions, warranties, or other terms of any kind.

To the extent permitted by law, we, other members of our group of companies and third parties connected to us, provide you with access to this Website on the basis that we exclude all conditions, warranties and other terms which might otherwise be implied by statute, common law, or the law of equity.

6. Liability

You are liable to us for any damage, loss, claim, demand, liability, or expense (including reasonable legal fees) that we may suffer or incur arising out of or in connection with your conduct on the Site and/or your breach of these Terms of Use.

We, other members of our group of companies and third parties connected to us exclude all liability and responsibility for any direct, incidental, consequential, indirect loss or damage incurred by you or any other user arising out of access to, use of, or inability to use of/ any liability for:

  • This Website
  • Any material from this Website
  • Any Websites linked to this Website
  • Any communications sent to us over the internet
  • Loss of income and/or revenue
  • Loss of business
  • Loss of profits or contracts
  • Loss of anticipated savings
  • Loss of data
  • Loss of good will
  • Wasted management or office time
  • Loss or damage due to viruses that may affect your computer equipment
  • Software and/or data
  • Any other loss of any kind, whether caused by tort (including negligence), breach of contract, or otherwise

This does not affect our liability for death or personal injury arising from our negligence (as such term is defined under the Unfair Contract Terms Act 1977), nor our liability for the tort of deceit or misrepresentation as to a fundamental matter, nor any other liability which cannot be excluded or limited under applicable law.

7. Modifications to the Terms of Use

We reserve the right to revise these Terms of Use at any time by amending this page.

You are bound by any changes, deletions, or additions we have made, and you should check this page from time to time to take notice of any such amendments.

Your continued use of the Website, following any changes to these Terms of Use, will mean you accept these changes.

8. Severed Provisions and Waiver

If any provision of these Terms of Use is found to be unlawful, void, or unenforceable, that provision shall be deemed severed from this agreement and shall not affect the validity and enforceability of the remaining provisions.

No failure or delay by us in exercising any right under these Terms and Conditions will operate as a waiver of that right nor will any single or partial exercise by us of any right preclude any further exercise of any right.

9. Jurisdiction and Governing law

These Terms of Use are governed by English law and the English Courts will have exclusive jurisdiction in respect of all disputes arising out of or in connection with these Terms.

10. Contact us

If you have any questions or concerns about the use of your personal information as described above, please contact us.

Tutu is a trading name of GAIN Credit LLC which is a limited liability company registered in State of Delaware, USA under number 4124111 at the registered address: 251 Little Falls Drive, Wilmington, DE 19808, USA.

GAIN Credit LLC is Authorised and Regulated by the Financial Conduct Authority. Our FCA Registration number is 689378.

We are licensed by the Information Commissioner's Office (Registration Number: Z2752028).