Terms of website use
1.
Terms of website use
1.1. This page (together with the
documents referred to on it) represents the Terms and Conditions of Use
("Terms of Use") on which you may make use of our websites (the "Sites") which is owned,
operated, licensed, and controlled by AllPaydayLenders
The term "You" refers to the users and viewers of our Sites.
1.2. Please read these Terms of Use
carefully before using our Sites.
1.3. By using our Sites, you
indicate that you accept these Terms of Use and that you agree to be bound by
them. If you do not agree to these Terms of Use, please do not use our Sites.
2.
Information about us
2.1. The Company is a service
business carrying out the business of credit brokerage in the United Kingdom.
The Company does not make loans or credit decisions.
2.3. We are registered with the
Information Commissioner's Office in compliance with the Data Protection Act of
1998.
3.
Services
3.1. The Company's services include,
but are not limited to, advertising other companies' credit offerings and
effecting introductions between potential borrowers and lenders or other credit
brokers in respect of secured and unsecured loans (the "Services").
In order to request a consumer credit loan from a selection of lenders, the
Company invites you to complete an Application Form and transmits this
completed Application Form to lenders and/or third parties (the
"Advertising Partners").
3.2. The Company does not guarantee
that completing an Application Form will result in you receiving a loan offer.
Your request is not an application for credit from a specific lender or lenders
but an expression of your interest in such products. Individual lenders may
require you to complete their own application process and are solely
responsible for deciding whether and on what terms to lend to you. Any examples
of loan terms on our website are for illustrative purposes only.
3.3. The Company does not charge you
any fees for the provision of the Services. If we provide services other than
the Services we shall be entitled to charge a fee for those services. The
Company will generally receive a brokerage fee from its Advertising Partners
for the provision of the Services.
3.4. The Company is not a party to
any contract made between you and the Advertising Partners for loans. All
rights and obligations under the terms of the contract for a loan are solely
between you and the relevant lender.
4.
Credit checks on completion of an application form
4.1. By completing the Application
Form you authorise the Company to transmit your Application Form to our
Advertising Partners.
4.2. By submitting an Application
Form you authorise our Advertising Partners to take all such steps as are
deemed necessary to independently verify any and all information contained in
your Application Form and check your credit worthiness. You understand that
these checks may include contacting Credit Reference Agencies (CRAs), fraud and
money laundering preventing agencies and the electoral register as well as
providing them with information about you.
4.3. By submitting the Application
Form you acknowledge that we will acquire and transfer your personal data to
our Advertising Partners for the provision of the Services and you consent to
our acquisition, control and processing/transfer of your personal data in
accordance with the terms of our Privacy Policy (see also section 8 below
'Privacy').
4.4. We do not act on behalf of the
Advertising Partners or represent them.
5.
Accessing our site
5.1. Access to our Sites is
permitted on a temporary basis, and we reserve the right to withdraw or amend
the service we provide on our Sites without notice (see below). We will not be
liable if for any reason our Sites is unavailable at any time or for any
period.
5.2. From time to time, we may
restrict access to some parts of our Sites, or the entirety of our Sites, to
users who have registered with us.
5.3. If you choose, or you are
provided with, a user identification code, password or any other piece of
information as part of our security procedures, you must treat such information
as confidential, and you must not disclose it to any third party. We have the
right to disable any user identification code or password, whether chosen by
you or allocated by us, at any time, if in our opinion you have failed to
comply with any of the provisions of these Terms of Use.
5.4. You are responsible for making
all arrangements necessary for you to have access to our Sites. You are also
responsible for ensuring that all persons who access our Sites through your
internet connection are aware of these terms, and that they comply with them.
6.
Intellectual Property
6.1. Our Sites, the content, any
materials downloaded, and all intellectual property pertaining to or contained
on our Sites (including but not limited to copyrights, patents, database
rights, graphics, designs, text, logos, trade dress, trademarks and service
marks, (collectively "the Content") are owned by the Company or other
third parties and all rights, title and interest therein shall remain the
property of the Company and/or such third parties. All Content is protected by
copyright, patent and trademark laws, and various other intellectual property
rights and unfair competition laws.
6.2. Logos, trademarks, images, etc.
are the property of the Company unless otherwise noted and may not be copied,
used, linked, disseminated, etc. without the Company 's prior express written
approval. Requests for approval should be directed to allpaydaylenders@gmail.com
6.3. You are authorised solely to
view and retain a copy of the pages of our Sites for your own personal,
non-commercial use. You may also view and make copies of relevant documents, pages,
images or other materials on our Sites for the purpose of transacting business
with the Company.
6.4. You agree that you will not
duplicate, publish, modify, create derivative works from, participate in the
transfer of, post on the World Wide Web, or in any way distribute or exploit
our Sites, or any portion of our Sites for any public or commercial use without
the express written consent of the Company.
6.5. Additionally, you agree that
you will not (i) remove or alter any author, trademark or other proprietary
notice or legend displayed on our Sites (or printed pages produced from our
Sites); and (ii) make any other modifications to any documents obtained from
our Sites other than in connection with completing information required to
transact business with the Company.
7.
Site Security
7.1. You must not misuse our Sites
by knowingly introducing viruses, trojans, worms, logic bombs or other material
which is malicious or technologically harmful. You must not attempt to gain
unauthorised access to our Sites, the server on which our Sites is stored or
any server, computer or database connected to our Sites. You must not attack
our Sites via a denial-of-service attack or a distributed denial-of service
attack.
7.2. By breaching this provision,
you would commit a criminal offence under the Computer Misuse Act 1990. We will
report any such breach to the relevant law enforcement authorities and we will
co-operate with those authorities by disclosing your identity to them. In the
event of such a breach, your right to use our Sites will cease immediately.
7.3. We will not be liable for any
loss or damage caused by a distributed denial-of-service attack, viruses or
other technologically harmful material that may infect your computer equipment,
computer programs, data or other proprietary material due to your use of our
Sites or to your downloading of any material posted on it, or on any website
linked to it.
8.
Privacy
8.1. The Company 's Privacy Policy
applies to use of our Sites, and its terms are made a part of these Terms of
Use by this reference.
8.2. Any personal data we process
about you will be processed in accordance with our PrivacyPolicy and by using
our Sites to transmit personal data you consent to such processing and you
warrant that information provided by you is accurate. Please note that we may
transfer your personal data to lenders outside of the European Economic Area,
subject to us always meeting the legal requires for such transfer as set out in
the Eighth Data Protection Principle of the Data Protection Act 1998.
8.3. Additionally, by using our
Sites, you acknowledge and agree that Internet transmissions are never
completely private or secure. You understand that any message or information you
send to our Sites may be read or intercepted by others, notwithstanding the
Company 's efforts to protect such transmissions.
9.
Disclaimers
9.1. The Company does not promise
that our Sites or any content, document or feature of our Sites will be error-free
or uninterrupted, or that any defects will be corrected or that your use of our
Sites will provide specific results.
9.2. The material on our Sites could
include technical inaccuracies or typographical errors. Our Sites and their
content are delivered on an "as-is" and "as-available"
basis. All information provided on our Sites is subject to change without
notice. The Company cannot ensure that any files, documents or other data you
download from our Sites will be free of viruses or contamination or destructive
features.
9.3. The Company disclaims all
warranties, express or implied, including any warranties of accuracy,
non-infringement, merchantability and fitness for a particular purpose.
9.4. The Company does not guarantee
that submission of an Application Form will result in you receiving an offer of
a loan.
9.5. The Company disclaims any and
all liability for the acts, omissions and conduct of any third parties in
connection with or related to your use of our Sites. You assume total
responsibility for your use of our Sites and any linked sites.
10.
Our Liability
10.1. The material displayed on our
Sites is provided without any guarantees, conditions or warranties as to its
accuracy. To the extent permitted by law, we, other members of our group of companies
and third parties connected to us hereby expressly exclude:
10.1.1. all conditions, warranties and
other terms which might otherwise be implied by statute, common law or the law
of equity; and
10.1.2. any liability for any direct,
indirect or consequential loss or damage incurred by any user in connection
with our Sites or in connection with the use, inability to use, or results of
the use of our Sites, any websites linked to it and any materials posted on it,
including:
(i) loss of income or revenue;
(ii) loss of business;
(iii) loss of profits or contracts;
(iv) loss of anticipated savings;
(v) loss of data;
(vi) loss of goodwill;
(vii) wasted management or office
time; and
(viii) whether caused by tort
(including negligence), breach of contract or otherwise, even if foreseeable,
provided that this condition shall not prevent claims for loss of or damage to
your tangible property or any other claims for direct financial loss that are
not excluded by any of the categories set out above.
10.2. This does not affect our
liability for death or personal injury arising from our negligence, nor our
liability for fraudulent misrepresentation or misrepresentation as to a
fundamental matter, nor any other liability which cannot be excluded or limited
under applicable law.
11.
Indemnity
11.1. By using our Sites, you agree
to defend, indemnify, and hold harmless the Company from and against any and
all losses, claims, damages, costs and expenses (including reasonable legal and
accounting fees) that the Company may become obligated to pay arising or
resulting from your use of our Sites, the Content, or your breach of these
Terms of Use. The Company reserves the right to assume or participate, at your
expense, in the investigation, settlement and defence of any such action or
claim.
12.
Linking to and from our sites
12.1. Our Sites may contain links to
sites maintained by third parties. The Company is not responsible for the
content or privacy policies of those sites, and the existence of such links
should not be considered an endorsement or recommendation of those sites or of
any product or service offered on those sites or of any party that is
associated with those sites.
12.2. Please note that other websites
and web pages linked to our Sites may be governed by separate terms and
conditions, including privacy policies. Please refer to the applicable terms
and conditions, including privacy policies of those websites and webpages when
visiting them.
12.3. You may link to our home page,
provided you do so in a way that is fair and legal and does not damage our
reputation or take advantage of it, but you must not establish a link in such a
way as to suggest any form of association, approval or endorsement on our part
where none exists.
12.4. You must not establish a link
from any website that is not owned by you.
12.5. We reserve the right to
withdraw this permission without notice. Our Sites must not be framed on any
other site, nor may you create a link to any part of our Sites other than the
home page.
12.6. If you wish to make any use of
material on our Sites other than that set out above, please address your
request to allpaydaylenders@gmail.com
13.
Age
13.1. The services and products that
we provide on our Sites are intended for those over 18 years of age only, and
information contained on our Sites does not amount to an invitation to clients
who are under 18 to buy any services or products. All transactions for the
supply of services concluded through our Sites are governed by the Terms of
Use.
14.
Law and jurisdiction
14.1. Your use of our Sites and these
Terms of Use are governed by the Laws of England and Wales whose courts have
exclusive jurisdiction of any disputes that may arise under or in connection
with the Terms of Use.
14.2. However, we retain the right to
bring proceedings against you for breach of these Terms of Use in your country
of residence or other relevant country.
15.
Miscellaneous
15.1. Any failure by the Company to
exercise any rights or enforce any of these Terms of Use shall not constitute a
waiver of such rights or terms.
15.2. If any provision of these Terms
of Use or their application in a particular circumstance is held to be invalid
or unenforceable to any extent, the remainder of these Terms of Use, or the
application of such provision in other circumstances, shall not be affected
thereby, and each provision hereof shall be valid and enforced to the fullest extent
permitted by law.
15.3. These Terms of Use constitute
the entire agreement between you and the Company with regard to your use of our
Sites, and any and all other written or oral agreements or understandings
previously existing between you and the Company with respect to use of our
Sites are hereby superseded and cancelled.
16.
Your complaints
16.1. If you have a complaint, please
contact us at allpaydaylenders@gmail.com. We will
investigate your complaint. We will attempt to both resolve your complaint
through investigation and to respond to you with the outcome.
16.2. If you are not happy with our
final response, you have the right to have your complaint dealt with by the
Financial Ombudsman Service ("FOS"). To do so, you should contact FOS
within 6 months of our final response to your complaint. You may write to FOS
at the following address: The Financial Ombudsman Service, Exchange Service,
London, E14 9SR.
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