1.
The site and terms
and conditions
for payday
loans
cash and what we
offer you.
1.1
The web site www.payday-lender.co.uk
is a third party
broker
of
MEM
Consumer Finance
Ltd ( there registered
number is 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
info set out below
before
using this site
and what we do.
By accessing this
Website, you agree
to be bound by
the following terms
and conditions
and disclaimers
(the "Terms").
Se below.
1.3
All our products
and what we do
are
subject
to the terms and
conditions and
disclaimers of the
applicable agreement
governing their
use.
2.
No offer info
2.1
Neither the info
,
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 & 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 info
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
info 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 info
contained on the
Website, info
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
info 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
info, 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 info,
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 Web
sites
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 and 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
also 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, info
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 info
or when you use
our products and
services. You may
not republish, retransmit,
redistribute or
otherwise make such
info 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 info
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 info
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
info held
by them about you
to us so that we
may do the same.
We will not disclose
any such info
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
When you
submit an
online
form via this
web
site here, you
agree
that MEM Consumer
Finance
Limited
can
contact you
sometimes
by
normal mail, fax
machine,
phone calls
or
by other
means,
to tell
you about other
items,
offered
by ourselves
or
other
carefully
selected
companies,
that
we believe
would
be of interest
to
you. We may
also
pass your
info
to
third party
financial services
companies
for
the
purpose
of them
telling
you about
their
services
or products.
8.3
All info
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
info 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 too.
Always
lend responsibly.
