Important - Your Personal Information
Credit decisions and also the prevention of fraud and money laundering.We may use credit reference and fraud prevention agencies to help us make decisions. A short guide to what we do and how both we and credit reference and fraud prevention agencies will use your information is detailed in the section called:
A condensed guide to the use of your personal information by ourselves and at Credit Reference and Fraud Prevention Agencies.
If you would like to read the full details of how your data may be used please visit our website at www.paydaymart.co.uk/data-protection.cfm or eMail us at: info@paydaymart.co.uk
The information we collect is used by us to manage your account and to make collections; it is also used to contact consumers for marketing purposes; it is disclosed by us when legally required to do so at the request of government authorities conducting an investigation; we also use it to verify or enforce compliance with the policies governing our web site and applicable laws or to protect against misuse or unauthorised use of our web site.
By ticking the box below, you are confirming your agreement to proceed and you are accepting that we may each use your information in this way.
By accessing www.Paydaymart.co.uk you agree and accept the following conditions
BACKGROUND:
This agreement applies as between you, the User of this Web Site, www.paydaymart.co.uk, a trading name of Balboa Financial Ltd., the owner(s) of this Web Site. You Your agreement to comply with and be bound by these terms and conditions is deemed to occur upon your first use of the Web Site. If you do not agree to be bound by these terms and conditions, you should stop using the Web Site immediately.
1. Definitions and Interpretation
In this Agreement the following terms shall have the following meanings:
Content |
means any text, graphics, images, audio, video, software, data compilations and any other form of information capable of being stored in a computer that appears on or forms part of this Web Site; |
Balboa Financial Ltd |
Means Balboa Financial Ltd., 3rd floor, 207 Regent Street, London W1B 3HH |
Service |
means collectively any online facilities, tools, services or information that Balboa Financial Ltd makes available through the Web Site either now or in the future; |
System |
means any online communications infrastructure that Balboa Financial Ltd makes available through the Web Site either now or in the future. This includes, but is not limited to, web-based email, message boards, live chat facilities and email links; |
User / Users |
means any third party that accesses the Web Site and is not employed by Balboa Financial Ltd and acting in the course of their employment; and |
Web Site |
means the website that you are currently using (www.Paydaymart.co.uk) and any other domains owned by Balboa Financial Ltd unless expressly excluded by their own terms and conditions. |
2. Intellectual Property
2.1 All Content included on the Web Site, unless uploaded by Users, including, but not limited to, text, graphics, logos, icons, images, sound clips, video clips, data compilations, page layout, underlying code and software is the property of Balboa Financial Ltd , our affiliates or other relevant third parties. By continuing to use the Web Site you acknowledge that such material is protected by applicable United Kingdom and International intellectual property and other relevant laws.
2.2 Subject to sub-clause 2.3 you may not reproduce, copy, distribute, store or in any other fashion re-use material from the Web Site unless otherwise indicated on the Web Site or unless given express written permission to do so by Balboa Financial Ltd .
2.3 Material from the Web Site may NOT be re-used without written permission where any of the exceptions detailed in Chapter III of the Copyright Designs and Patents Act 1988 apply.
2.4 Users of this website need to satisfy themselves as to the accuracy and suitability of any product before entering into a contract. This website is for reference only and does not constitute an offer or personal recommendation of any kind whatsoever. If in doubt, you are strongly recommended to seek advice from a suitably qualified person.
2.5 The information contained in this website is for residents of the United Kingdom and is not to be taken as an offer, accepted or otherwise, for any product mentioned. The information shown is taken from sources believed to be accurate and whilst Balboa Financial Ltd takes reasonable care to ensure the accuracy of published data, this can not be guaranteed. Balboa Financial accepts no responsibility for any direct or consequential loss incurred from the use or reliance on the information published.
2.6 Information provided on this website is believed to be reliable when posted. However, Balboa Financial Ltd cannot guarantee that information will be accurate, complete and current at all times. All information on the website is subject to modification from time to time without notice.
2.7 Payday Mart is a trademark of Balboa Financial Ltd.
3. Links to Other Web Sites
This Web Site may contain links to other sites. Unless expressly stated, these sites are not under the control of Balboa Financial Ltd or that of our affiliates. We assume no responsibility for the content of such web sites and disclaim liability for any and all forms of loss or damage arising out of the use of them. The inclusion of a link to another site on this Web Site does not imply any endorsement of the sites themselves or of those in control of them.
4. Complaints
- Should you wish to make a complaint please contact us via one of the addresses below:
- In Writing:
Balboa Financial Ltd.
Compliance Officer,
3rd floor
207 Regent Street
London W1B 3HH - E-mail: info@paydaymart.co.uk
- Phone: 0844 846 0202 (Call charges may apply – 5p per minute from BT landlines, mobiles and other providers may vary so please check before calling)
- Fax: 0844 443 2627
5. Privacy
Use of the Web Site is also governed by our Privacy Policy which is incorporated into these terms and conditions by this reference. To view the Privacy Policy, please click on the link above.
6. Disclaimers
6.1 Balboa Financial Ltd makes no warranty or representation that the Web Site will meet your requirements, that it will be of satisfactory quality, that it will be fit for a particular purpose, that it will not infringe the rights of third parties, that it will be compatible with all systems, that it will be secure and that all information provided will be accurate. We make no guarantee of any specific results from the use of our Service.
6.2 No part of this Web Site is intended to constitute advice and the Content of this Web Site should not be relied upon when making any decisions or taking any action of any kind.
7. Availability of the Web Site
The Service is provided as is and on an as available basis. We give no warranty that the Service will be free of defects and / or faults. To the maximum extent permitted by the law we provide no warranties (express or implied) of fitness for a particular purpose, accuracy of information, compatibility and satisfactory quality.
Balboa Financial Ltd accepts no liability for any disruption or non-availability of the Web Site resulting from external causes including, but not limited to, ISP equipment failure, host equipment failure, communications network failure, mart failure, natural events, acts of war or legal restrictions and censorship.
8. Limitation of Liability
8.1 To the maximum extent permitted by law, Balboa Financial Ltd accepts no liability for any direct or indirect loss or damage, foreseeable or otherwise, including any indirect, consequential, special or exemplary damages arising from the use of the Web Site or any information contained therein. Users should be aware that they use the Web Site and its Content at their own risk.
8.2 Nothing in these terms and conditions excludes or restricts Balboa Financial Ltd.'s liability for death or personal injury resulting from any negligence or fraud on the part of Balboa Financial Ltd .
8.3 Every effort has been made to ensure that these terms and conditions adhere strictly with the relevant provisions of the Unfair Contract Terms Act 1977. However, in the event that any of these terms are found to be unlawful, invalid or otherwise unenforceable, that term is to be deemed severed from these terms and conditions and shall not affect the validity and enforceability of the remaining terms and conditions. This term shall apply only within jurisdictions where a particular term is illegal.
9. No Waiver
In the event that any party to these Terms and Conditions fails to exercise any right or remedy contained herein, this shall not be construed as a waiver of that right or remedy.
10. Previous Terms and Conditions
In the event of any conflict between these Terms and Conditions and any prior versions thereof, the provisions of these Terms and Conditions shall prevail unless it is expressly stated otherwise.
11. Notices
All notices / communications shall be given to us either by post to our Premises (see address above) or by email to info@paydaymart.co.uk Such notice will be deemed received 3 days after posting if sent by first class post, the day of sending if the email is received in full on a business day and on the next business day if the email is sent on a weekend or public holiday.
12. Indemnity
By using the Site, you agree to defend, indemnify, and hold harmless Balboa Financial Ltd. from and against any and all losses, claims, damages, costs and expenses (including reasonable legal and accounting fees) that Balboa Financial Ltd. may become obligated to pay arising or resulting from your use of the Site, the Content, or your breach of these Terms of Use. Balboa Financial Ltd. reserves the right to assume or participate, at your expense, in the investigation, settlement and defence of any such action or claim.
13. Age
The services and products that Balboa Financial Ltd. provides on its web sites are intended for those who are over 18 years of age only. The information contained on the websites does not amount to any form of invitation to clients who are below the age of 18 to buy any services or products under any circumstances. All transactions concluded through the web site are governed by these Terms & Conditions.
14. Law and Jurisdiction
These terms and conditions and the relationship between you and Balboa Financial Ltd shall be governed by and construed in accordance with the Law of England and Wales and Balboa Financial Ltd and you agree to submit to the exclusive jurisdiction of the Courts of England and Wales.
