The Small Print

 

This page details information about the Payday Store Terms & Conditions and Our Privacy Policy.

 

• Terms and Conditions
• Our Privacy Policy

 

Should you need further clarification on any of the points listed below contact account.services@paydaycontact.co.uk

 

Terms & Conditions

1 The Website

1.1 The web site (www.paydaystore.co.uk) is operated by MEM Consumer Finance Ltd (registered number 04786727) whose registered address is MEM Consumer Finance LTD, 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.

8.4 If we transfer your information to a service provider or agent in another country we will make sure that the service provider or agent agrees to apply the same levels of protection as we are required to apply to information held and to use your information only for the purpose of providing the service to us.

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.

 

Our Privacy Policy

1 We may as a result of your interaction with the Website store and process your information on MEM Consumer Finance Limited’s (MEM) computers and in any other way. By "your information" we mean personal and financial information we (a) obtain from you or from third parties, such as credit reference agencies (who may search the Electoral Register), fraud prevention agencies or other organisations when you apply for an account or any other product or service or which you or they give to us at any other time or (b) learn from the way you use and manage your account(s), from your transactions and from the payments made to your account.
We will use your information to manage your account(s), give you statements and provide our services, for research, assessment and analysis (including credit and/or behaviour scoring, market and product analysis) and to develop and improve our services to you and other customers and protect our interests.

2 We, and other carefully selected third parties, will use your information to inform you by post, fax, telephone or other electronic means, about other products and services (including those of others) which we believe may be of interest to you.

3 If you are not eligible for a Pay Day loan at this time, unless you write to the address below, you agree that we may offer you an alternative product (including those of others) and that we may pass your details to another financial services company for them to send you details of their products.

4 If you do not want to receive information about other products and services please contact our Customer Relations Department, MEM Consumer Finance Limited, PO BOX 255, Bicester, Oxon, OX26 4ZY.

5 You can ask us in writing from the same address for a copy of the information we keep about you. A fee will be charged for this service.

6 If you were introduced to us by a third party, we will give them your contact details and sufficient information about you for their accounting and administration purposes.

7 We may give information about you and how you manage your account to the following:

1. People who provide a service to us or are acting as our agents, on the understanding that they will keep the information confidential. If they are located in another country we will make sure that they agree to apply the same levels of protection as we are required to apply to information held in the UK and to use your information only for the purpose of providing the service to us;
2. Anyone to whom we transfer or may transfer our rights and duties under this agreement.
3. We may also give out information about you if we have a duty to do so or if the law allows us to do so.

Otherwise we will keep information about you confidential. Calls between us may be recorded and/or monitored.

8 Credit Reference and Fraud Prevention Agencies

When you apply for a product or service you confirm that all the information you have given is true and complete. When you apply for a product or service you authorise us to check the following records about you and others (see below); a) our own; b) those at credit reference agencies (CRAs). When CRAs receive a search from us they will place a search footprint on your credit file that may be seen by other lenders. They supply to us both public (including the electoral register) and shared credit and fraud prevention information. c) those at fraud prevention agencies (FPAs).

We will make checks such as; assessing this application for credit and we may also make periodic searches at CRAs and FPAs to manage your account with us.

If you tell us that you have a spouse or financial associate, we will link your records together so you must be sure that you have their agreement to disclose information about them. CRAs also link your records together and these links will remain on your and their files until such time as you or your partner successfully files for a disassociation with the CRAs to break that link.

Information on applications will be sent to CRAs and will be recorded by them. Where you borrow from us, we will give details of your accounts and how you manage it/them to CRAs. If you borrow and do not repay in full and on time, CRAs will record the outstanding debt. This information may be supplied to other organisations by CRAs and FPAs to perform similar checks and to trace your whereabouts and recover debts that you owe. Records remain on file for 6 years after they are closed, whether settled by you or defaulted.

If false or inaccurate information is provided and fraud is identified, details will be passed to fraud prevention agencies.

Law enforcement agencies may access and use this information.

We and other organisations may also access and use this information to prevent fraud and money laundering, for example, when:

Checking details on applications for credit and credit related or other facilities

Managing credit and credit related accounts or facilities

Recovering debt

Checking details on proposals and claims for all types of insurance

Checking details of job applicants and employees

We and other organisations may access and use from other countries the information recorded by fraud prevention agencies.

Your data may also be used for other purposes for which you give your specific permission or, in very limited circumstances, when required by law or where permitted under the terms of the Data Protection Act 1998.

9 How to find out more

This is a condensed version and if you would like to read the full details of how your data may be used, or if you want to receive details of the relevant FPAs write to our Customer Relations Department,

MEM Consumer Finance Limited, PO BOX 255, Bicester, Oxon, OX26 4ZY.

You can contact the CRAs currently operating in the UK; the information they hold may not be the same so it is worth contacting them all. They will charge you a small statutory fee.

CallCredit, Consumer Services, PO Box 491, Leeds, LS3 1WZ or call 0870 060 1414 or log on to www.callcredit.co.uk

Equifax PLC, Credit File Advice Centre, PO Box 3001, Bradford, BD1 5US or call 0870 010 0583 or log on to www.myequifax.co.uk

Experian, Consumer Help Service, PO Box 8000, Nottingham NG80 7WF or call 0870 241 6212 or log on to www.experian.co.uk.

10 Use of Cookies

We use cookies to help us analyse traffic on our site and customer behaviour. Cookies may also be used by our partners to understand marketing and traffic patterns. During the course of any visit to Payday UK, the pages you see, along with a cookie, are downloaded to your computer. Any information that is supplied by cookies can help us to provide you with a better service and assists us in analysing the profile of our visitors.

Most web browsers automatically accept cookies, but normally you can alter your browser settings to prevent automatic acceptance, if you prefer. If you opt not to receive our cookies, we cannot guarantee that your experience with our website will be as quick or responsive as if you do receive cookies.

We do not store passwords or any other information about a visitor in a cookie that could identify them, their location, their preferences or their financial activity.

11 How to see your cookie code

Just click on a cookie to open it. You'll see a short string of text and numbers. The numbers are your identification card, which can only be seen by the server that gave you the cookie.