Terms
& Conditions
1.
The Website
1.1
The web site (www.comparing-payday-loans.co.uk)
is a broker 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 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.
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