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 website is currently intended for those who access it from within the UK and who are 18 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.  If, after reading our terms and conditions, you do not agree with the content then we request that you do not use our service. If you do use our website then you will be accepting our terms and conditions and agree to abide by them, in addition to this you will also be agreeing to use the service provided for lawful purposes.

1. ABOUT US

PAYDAYLOANSRUS.CO.UK is a website operated by West Parkside Ltd. Our registered office in the U.K. is located at United House, North Road, London N7 9DP. We are regulated by the Office of Fair Trading under the Consumer Credit Act 1974; holding a consumer credit licence number 0638586. We are registered with the Information Commissioner’s Office in compliance with the Data Protection Act of 1998. Our registration number is Z2369330. Read our Privacy Policy here. PAYDAYLOANSRUS.CO.UK offers a service online to its customers, if you wish for us to provide you with our service then you will be entering into an agreement with us. Once the agreement has been entered into you will in turn be accepting our terms and conditions which relate to your agreement and also agreeing to abide by them. In turn we also acknowledge our own obligations to this agreement, by means of providing the service you require, this means ‘we’ PAYDAYLOANSRUS.CO.UK will provide the service to you the customer. As we will be providing a service to our customer we therefore have no obligation to another party, only our customer. Please also be aware that if a client uses our services on behalf of a third party our obligation will still be with you being our customer furthermore the terms and conditions will also relate to you our customer and not with any other third parties.

2. LIMITATION OF SERVICE

PAYDAYLOANSRUS.CO.UK is an internet matching service with affiliate sites. We match prospective borrowers with leading loan providers in the UK. We promote various financial services and products for UK residents over 18. As a condition of extending credit, some lenders you may be matched with may run a credit check from a major credit reporting bureau. PAYDAYLOANSRUS.CO.UK is a payday loan broker, not an underwriter or a lender, and cannot guarantee that your payday loan request will be approved by third party lenders or brokers we work with. Your payday loan application will be sent to third party lenders and brokers, for them to make a decision. Upon acceptance, please ensure that you read carefully their Terms and Conditions and make sure you agree to their conditions before using their services. West Parkside Ltd does not offer loans targeted specifically at sub-prime borrowers – if you had credit problems in the recent past, such as: late payments, defaults, County Court Judgements etc, you may find it difficult to qualify for a loan. The lending decision rests solely with the panel of lenders we work with, some are more sympathetic than others – to find out if you qualify, simply complete the application. We cannot and do not guarantee that every application will be accepted. PAYDAYLOANSRUS.CO.UK is not a lender and therefore will not provide finance directly to customers; we are a finance broker, we will find lenders and providers of financial services for you. Any examples of amounts available to borrow, terms (repayment periods) or rates stated on our website are purely given as a representative example relating to the product. These representative examples are stated to give our customers an understanding of the products available. Representative examples are not given as a figure of what our customers will actually be offered by the lender/finance provider, therefore cannot be given as a guarantee nor can they be used as any kind of warranty. As we do not provide the loan or financial service directly we are unable to control the representative rate examples contained on our website. Please also be aware that the decision to offer any payday loan or financial service is made by the lender or finance provider and PAYDAYLOANSRUS.CO.UK has no control over the decision making. The lender/finance provider will conduct an assessment on each customer before any decision or offer is made; this will include a full assessment of a customer’s credit history past and present.

3. CREDIT AND REFERENCING CHECKS

PAYDAYLOANSRUS.CO.UK will not carry out any credit checks or referencing on any customer upon registering to our services, however the finance providers/lenders may use credit scoring facilities and credit referencing agencies to determine how eligible the customer is when making an assessment on the customer. Credit checks and credit reference agencies can also help prevent fraudulent applications so we ask clients to agree to using data provided for the purpose of preventing fraud and ensuring the client’s identity is as claimed. Information provided by the client must always be true and accurate as misleading information will be regarded as a breach of our terms and is likely to breach any agreement the client has entered into with the lenders and financiers we work alongside. Furthermore, misleading information may also result in the instigation of criminal procedures against the client. If the client has authorised any third parties to access the service on behalf of the client instructions issued by authorised 3rd parties will be contractually binding on the client on whose behalf the third party is acting. Should the client choose to make a joint application for a loan or finance via our website each party will be dealt with as a client acting with the consent of the other and if correspondence is entered into with one party of the joint application it shall be assumed that the communication is with both parties.

4. USING THE WEBSITE

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. West Parkside Ltd does not promise that the site or any content, document or feature of the site will be error-free or uninterrupted, or that any defects will be corrected or that your use of the site will provide specific results. The material on the site could include technical inaccuracies or typographical errors. The site and its content are delivered on an “as-is” and “as-available” basis. All information provided on the site is subject to change without notice. West Parkside Ltd cannot ensure that any files, documents or other data you download from the site will be free of viruses or contamination or destructive features. West Parkside Ltd disclaims all warranties, express or implied, including any warranties of accuracy, non-infringement, merchantability and fitness for a particular purpose. West Parkside Ltd disclaims any and all liability for the acts, omissions and conduct of any third parties in connection with or related to your use of the site. You assume total responsibility for your use of the site and any linked sites.

5. LINKS TO OTHER WEBSITES

The site may contain links to sites maintained by third parties. West Parkside Ltd is not responsible for the content or privacy policies of those sites, and the existence of such links should not be considered an endorsement or recommendation of those sites or of any product or service offered on those sites or of any party that is associated with those sites. The fact that, after completing the online application on our website, you are shown a website of another payday lender or broker DOES NOT constitute endorsement or recommendation. Any service we provide is only on non-advised basis. 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. You agree that you will use your own judgment and decide whether a particular lender or broker is suitable for you. You agree that you will carefully examine all Terms and Conditions of the lenders or brokers we may inform you about, as they may differ from our Terms and Conditions. This is including, but not limited to: total cost of credit offered to you, repayment terms, penalties for breaching the loan agreements, monthly membership fees that may be charged by some brokers, their own privacy policies etc. We are not, and we do not even attempt, recommending that you use any particular lender or broker. However, based on your answers to some questions on the application, we are presenting you with an information so that you can make your own choice. If you are in doubt, seek an independent financial advice. 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. Please note that other web sites and web pages linked to the Site may be governed by separate terms and conditions, including privacy policies. Please refer to the applicable terms and conditions of those web sites and web pages when visiting them.

6. COMMUNICATION

By completing the application on the Site you agree that you may receive follow-up contact and offers from third party companies and, while we only work with selected partners, we are not responsible for the services or representations of third parties. 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.

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 us and those of selected third parties, increase the effectiveness of our marketing efforts and for statistical analysis. We may pass this information to selected partners, 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. Other than that, we will not disclose any such information outside of our company 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.

Under the Data Protection Act 1998, you have a right to access certain personal records we, credit reference agencies and fraud prevention agencies hold about you. This is called a ‘subject access request’, which you can make by writing to info@paydayloansrus.co.uk. A fee may be payable, but we will not charge you until we have told you how much the fee is and what it is for, and you have told us you still want to proceed.

7. LIABILITY

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 unauthorized use of the system arising from “hacking” or otherwise or your reliance on the information contained on the website. 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. 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. 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.

8. EXCLUSIONS

The obligations and responsibilities of any breach of contract by us does not extend beyond the agreement with our customer and does not include any obligation to a counterparty, intermediary, bank or to any other third parties that may be connected to the customer. The customer will take full responsibility for any loss and or damage incurred by the supply of incorrect or misleading information to us by the customer. Should the above occur and a loss arises due to us then there will be no liability held against us if this is caused by something beyond our reasonable control, including changes in the law or regulations affecting our normal operations. Apart from provisions expressly covering associate companies, nothing in these terms is enforceable by anyone who is not a party to them.

9. CHANGES TO TERMS AND CONDITIONS

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.

10. INTELLECTUAL PROPERTY RIGHTS

We are the owner or the licensee of all intellectual property rights in our site, and in the material published on it.  Those works are protected by copyright laws and treaties around the world.  All such rights are reserved. You may print off one copy, and may download extracts, of any page(s) from our site for your personal reference and you may draw the attention of others within your organisation to material posted on our site.  You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text. Our status (and that of any identified contributors) as the authors of material on our site must always be acknowledged. You must not use any part of the materials on our site for commercial purposes without obtaining a licence to do so from us or our licensors. If you print off, copy or download any part of our site in breach of these terms of use, your right to use our site will cease immediately and you must, at our option, return or destroy any copies of the materials you have made.

11. VIRUSES, HACKING AND OTHER OFFENCES

You must not misuse our site by knowingly introducing viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not attempt to gain unauthorised access to our site, the server on which our site is stored or any server, computer or database connected to our site. You must not attack our site via a denial-of-service attack or a distributed denial-of service attack. By breaching this provision, you would commit a criminal offence under the Computer Misuse Act 1990. We will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use our site will cease immediately. We will not be liable for any loss or damage caused by a distributed denial-of-service attack, viruses or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of our site or to your downloading of any material posted on it, or on any website linked to it.

12. APPLICABLE LAWS AND GOVERNING LANGUAGE

Your use of the site and these Terms and Conditions are governed by the Laws of England and Wales whose courts have exclusive jurisdiction of any disputes that may arise under or in connection with the Terms and Conditions. However, we retain the right to bring proceedings against you for breach of these Terms and Conditions in your country of residence or other relevant country. For your convenience, parts of the website may be translated into another language, but English shall remain the main language of the website, as we are governed by the Laws of England and Wales.

13. HOW TO MAKE A COMPLAINT

West Parkside Ltd will always aim to offer every customer the best experience possible. However, if you do feel that we have not offered you a good service and you feel you would like to make a complaint about the service, then please send your comments to;

Compliance Manager

West Parkside Ltd

Unit 1.08 United House

North Road

London N7 9DP

Or alternatively please email: info@westparkside.co.uk

We aim to follow up on your complaint within 8 weeks of receipt of your letter to us. However, should you feel dissatisfied with our response to you following your letter, you can then refer your complaint to:

The Financial Ombudsman Service
South Quay Plaza
183 Marsh Wall
London
E14 9SR