Please visit https://app.tabeo.co.uk/login to log in and view your loan agreement. Over time, Tabeo has updated its templates for loan agreements in line with changing regulations.

Customers can easily verify the regulatory status of their loan agreement. SDC UK offered its customers two options for SmilePay: regulated (tri-party, 24 / 26 months, 9.9% APR) and unregulated (bilateral, 12 months, 0% APR).

Customers who entered into a loan agreement with Healthcare Finance Ltd (“Lender”) to pay for the aligners from SDC may qualify for recourse under section 75 of the Consumer Credit Act 1974. This means that rights granted by SDC UK under the sale may also be a liability of the Lender. According to the regulated loan agreement, Customers with a regulated loan do not have the right to seek redress from Tabeo, but they may have a right to sue the Credit Intermediary (SDC UK).

Customers who entered into a loan agreement over 12 months whereby SmileDirectClub UK Ltd acts as “Lender” to pay for the aligners are not covered by the Consumer Credit Act 1974. The customers with such unregulated loan agreements may have a Right of Redress when goods are not supplied, or only in part. However, the customers only have the right to sue SDC UK (but not, for the avoidance of doubt, Tabeo).

It is important to note that definitions for “Part 1 - Key Loan Terms” and “Part 2 - Loan Conditions” differ.

If any customers have any questions about the loan, they can contact Tabeo on customers@tabeo.co.uk.