Payday
Loan Terms & Conditions
1. The Website
1.1
This website www.paydayquick.co.uk
is a broker of
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 our 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. Users
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
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
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
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
and copyright
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
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.
Consumer
Credit License
Number: 620894
| Data Protection
Number: Z1292430
