Terms
And Conditions
1.
The Website
-
1.1
The web site
www.payday-advance-now.co.uk
is a broker
providing
a
service
by
MEM Consumer
Finance Ltd
(registered
number 04786727)
whose registered
address is
Witan Gate
House,
500-600 Witan
Gate West,
Milton Keynes,
Buckinghamshire
MK9 1SH ("MEM" "we", "us", "our").
1.2
Please read
the details
set out below
carefully
before using
this Website.
By accessing
this Website,
you agree
to be bound
by the following
terms and
conditions
and disclaimers
(the "Terms").
1.3
All the products
and services
are subject
to the terms
and conditions
and disclaimers
of the applicable
agreement governing
their use.
2.
No offer -
2.1
Neither the
information,
nor any opinion
contained in
our Website
constitutes
an offer to
sell or solicitation
or an offer
to buy any financial
instruments
or any advice
or recommendation
with respect
to such financial
instruments.
3.
User info -
3.1
You are wholly
responsible
for the use
of the Website
by any person
using your computer
and you must
ensure that
any such person
complies with
these Terms.
3.2
The Website
is currently
intended for
those who access
it from within
England and
Wales and who
are 18's and
over. Because
of this we cannot
guarantee that
the Website
or the information
thereon complies
with or is appropriate
for use in other
places.
3.3
To register
with us you
must be over
eighteen (18)
years of age.
You must ensure
that the details
provided by
you on registration
or at any time
are correct
and complete.
You must inform
us immediately
of any changes
to the information
that you provided
when registering
by updating
your personal
details.
3.4
You will not
knowingly transmit
any virus or
other harmful
matter to the
Website. You
may not use
any device,
software or
routine to interfere
or attempt to
interfere with
the proper working
of the Website
nor may you
attempt to decipher,
de-compile,
disassemble
or reverse engineer
any of the software
comprising or
in any way making
up the Website
or any part
of it.
4.
Disclaimers
and Limitation
of Liability
info -
4.1
Whilst we
have taken
reasonable
steps to
ensure the
accuracy,
currency,
availability
correctness
and completeness
of the information
contained
on the Website,
information
is provided
on an "as
is", "as
available" basis
and we do not
give or make
any warranty
or representation
of any kind,
whether express
or implied.
The use of the
Website and
the materials
contained in
it are entirely
at your own
risk. We shall
not be liable
for any losses
or damages,
whether direct
or indirect,
consequential
or otherwise
that you may
suffer as a
result of your
use of the Website,
including but
not limited
to computer
service or system
failure, access
delays or interruption,
data non-delivery
or mis-delivery,
computer viruses
or other harmful
components,
breaches of
security or
unauthorised
use of the system
arising from "hacking" or
otherwise or
your reliance
on the information
contained on
the Website.
4.2
We do not represent
or warrant that
the Website
will be available
and meet your
requirements,
that access
will be uninterrupted,
that there will
be no delays,
failures, errors
or omissions
or loss of transmitted
information,
that no viruses
or other contaminating
or destructive
properties will
be transmitted
or that no damage
will occur to
your computer
system. You
have sole responsibility
for adequate
protection and
back up of data
and/or equipment
and for undertaking
reasonable and
appropriate
precautions
to scan for
computer viruses
or other destructive
properties.
4.3
We make no representations
or warranties
regarding the
accuracy, functionality
or performance
of any third
party software
that may be
used in connection
with the Website.
4.4
Nothing in these
Terms or in
the pages of
the Website
shall limit
our liability
for death or
personal injury
arising out
of our negligence,
or for fraud,
or for any other
liability, which
cannot be excluded
or limited under
applicable law.
4.5
The information,
material and
content provided
in the pages
of the Website
may be changed
at any time
without notice.
Changes may
be made to the
Terms at any
time without
notice by updating
this posting.
Any revised
term shall take
effect as at
the date when
the change is
made to the
Website. You
agree to review
the Terms regularly
and your continued
access to or
use of the Website
will mean that
you agree to
any changes.
5.
Third party
Websites info
-
5.1
Links contained
in the Website
might lead to
other websites
not under our
control, and
we accept no
liability for
the content
or availability
of any linked
site which is
not operated
by us or any
link contained
in a linked
site not operated
by us. Links
on the Website
are provided
to you only
as a convenience
and the inclusion
of any link
does not imply
reliability
and we do not
necessarily
endorse any
pages linked
to the Website.
Accordingly,
you should read
the terms and
conditions of
those websites
before using
them and direct
any questions
or comments
about the linked
website's contents
to the relevant
website provider.
5.2
You are not
entitled
(nor will
you assist
others) to
set up links
from your
own websites
to the Website
(whether
by hypertext
linking, deep-linking,
framing,
toggling or
otherwise)
without our
prior written
consent,
which we may
grant or withhold
at our absolute
discretion.
You are also
not entitled
to direct
link (also
known as "Hot
Link")
any images
or content without
our prior written
authorisation.
6.
Internet e-mail
info -
6.1
Messages sent
over the Internet
cannot be guaranteed
to be completely
secure as they
are subject
to possible
interception
or loss or possible
alteration.
We are not responsible
for any message
lost, intercepted
or altered by
third parties
and will not
be liable to
you or anyone
else for any
damages or otherwise
in connection
with any message
sent by you
to us or any
message sent
by us to you
over the Internet.
6.2
The Website
makes use of
cookies. Cookies
are files that
identify your
computer to
our server.
Cookies in themselves
do not identify
the individual
user, just the
computer used.
Many sites do
this whenever
a user visits
their site in
order to track
traffic flows.
Cookies themselves
only record
those areas
of the site
that have been
visited by the
computer and
for how long.
You may prevent
the use of cookies
by configuring
your web browser
accordingly,
but please note
that this may
hinder some
of the Website
functionality.
7.
Trade marks
& copyright
info
-
7.1
All copyright,
trade marks
and all other
intellectual
property rights
in the Website
and its content
(including without
limitation the
pages screens,
information
and material)
included in
the Website
and all software
and source codes
connected with
the Website
is owned by
or licensed
to MEM Consumer
Finance Ltd
unless otherwise
noted.
7.2
Our logos and
all brands and
products referred
to or detailed
in the Website
are the trademarks
of, or licensed
to, MEM Consumer
Finance Ltd.
No rights are
granted in respect
of any of the
above trademarks.
If you are in
doubt whether
an item is our
trademark or
that of any
MEM Consumer
Finance Ltd
business, please
contact us for
clarification.
7.3
You may imprint,
copy, download
or temporarily
store extracts
from our Website
for your personal
information
or when you
use our products
and services.
You may not
republish, retransmit,
redistribute
or otherwise
make such information
or pages available
to any other
party or available
on any website,
on-line service
or bulletin
board of your
own or of any
other party
or make the
same available
in hard copy
or on any other
media without
our express
prior written
consent.
8.
Data protection
info -
8.1
We may as a
result of your
interaction
with the Website
hold and process
personal information
obtained about
you when you
access the Website
and use it for
making lending
decisions and
servicing our
relationship
with you, for
the purposes
of fraud prevention
and debt collection,
to understand
your financial
needs, to conduct
our business
and to provide
you with better
customer services
and products
from both MEM
Consumer Finance
Ltd and those
of selected
third parties,
to evaluate
the effectiveness
of our marketing
of the Website
and for statistical
analysis. We
may pass this
information
to other members
of MEM Consumer
Finance Ltd
or agents, as
permitted by
law so that
they may do
the same and
they may pass
information
held by them
about you to
us so that we
may do the same.
We will not
disclose any
such information
outside of MEM
Consumer Finance
Ltd except for
fraud prevention
purposes and/or
if required/obliged
by law or Governmental
or judicial
bodies or agencies
or to our regulators
under proper
authority, or
under a strict
code of secrecy
to sub-contractors
or persons acting
as our agents
or where we
have your consent
or have previously
informed you.
8.2
By submitting
an application
form through
this site, you
agree that MEM
Consumer Finance
Limited can
contact you
from time to
time by post,
fax, telephone
or other electronic
means, to tell
you about other
products and
services, offered
by ourselves
or other carefully
selected companies,
that we believe
would be of
interest to
you. We may
also pass your
information
to third party
financial services
companies for
the purpose
of them telling
you about their
services or
products.
8.3
All information
submitted in
this form is
held safely
and securely
by MEM Consumer
Finance Limited
in accordance
with the Data
Protection Act
1998. We require
all parties
to whom we may
pass your information
to treat it
with the same
degree of confidentiality.
9.
Governing law
-
9.1
The Terms are
governed by
and interpreted
in accordance
with the laws
of England and
Wales and the
courts of the
above jurisdiction
will have non-exclusive
jurisdiction
in respect of
any dispute,
which may arise.
Payday
Advance Now
Date Protection
Act 1998 Policy
Number: Z1292430
