Terms and conditions
As follows below are important points which you need to know about the service we provide. We request that you read the following terms and conditions prior to using us to ensure you are satisfied with the service we can offer you. If, after reading our terms and conditions, you do not agree with the content then we request that you do not use our service. If you do use our website then you will be accepting our terms and conditions and agree to abide by them, in addition to this you will also be agreeing to use the service provided for lawful purposes.
1. Terms of Website Use
Paydayloansnow.co.uk is a registered Trading Name of Soiza Internet Marketers Limited, which is an Introducer Appointed Representative of Quint Group Limited and is entered on the Financial Services Register under the reference number: 748266. Quint Group Limited is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register under reference number: 669450. Soiza Internet Marketers Limited is registered in England and Wales (Company number 09861376), Registered Address; Unit 15, Nottingham South and Wilford Industrial Estate, Nottingham, NG11 7EP., UK. Licenced by the Information Commissioners Office, (registration number ZA182667).
(referred to herein as the “Company???, “we???, “us??? and “our???). The term “You” refers to the users and viewers of our Sites.
2. 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.
2.2. We are registered with the Information Commissioner’s Office in compliance with the Data Protection Act of 1998.
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.
4.4. 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.
5.4. 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 email@example.com or Payday Loans Now, Unit 15, Nottingham South and Wilford Industrial Estate, Nottingham, NG11 7EP.
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.
8.3. 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.
8.4. PASSING YOUR INFORMATION TO THIRD PARTIES The data we collect using your browsing pattern may be sold (or otherwise passed on) to our clients and carefully selected third parties. However we do not disclose individual information to them, but only aggregated and generalised information. By applying for a payday loan you agree that selected 3rd parties may contact you via electronic means with new relevent products and services offers. Third parties include (but not limited to) Black and White Accident Management Ltd. We may pass your details onto 3rd parties for marketing of products and services that they feel may be of interest to you. The following sectors are the industry types you can expect to receive 3rd party products, information, services or special offers from – Automotive, Broadband, Call Centre, Charity, Competition Sites, Debt, Education, Entertainment\Gaming\Leisure, Fashion, Finance, FMCG, Freebie Sites, Gambling, Gardening, Government, Health & Beauty, Home & Lifestyle, Mobility, Home Improvement, Household, IT/Technical, Insurance (Life, Home, Automotive, General, Private Medical, Travel), Legal Services, Lottery, Mail Order, Market Research, Music, Pension, Pharmaceutical, PPI, Premium Rate, Publishing/Media, Retail, Sport, Telecoms, Toiletries/Cosmetics, Travel, Utilities. We may also supply your data to these sectors via agencies/brokers.
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;
(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.
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 firstname.lastname@example.org or Payday Loans Now, 724A Dunraven Place, Bridgend, CF31 1JD
14. Law and Jurisdiction
16. Your Complaints
16.1. If you have a complaint, please contact us at email@example.com or Customer Services Team, Payday Loans Now, 24A Dunraven Place, Bridgend, CF31 1JD. 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 Tower, London, E14 9SR.
0800 023 4 567 – calls to this number are now free on mobile phones and landlines
0300 123 9 123 – calls to this number cost no more than calls to 01 and 02 numbers
European Online Dispute Resolution Platform:
In relation to your complaint you can also request a review from the European Online Dispute Resolution platform: http://ec.europa.eu/consumers/odr/