1.Introduction
1.1 MrPayDay.biz
is a website operated by Rainbow (UK) Ltd. Rainbow (UK) Ltd is fully authorised and regulated by the Financial Conduct Authority - FCA Number 674557. Our trading address is Unit 8 Saxon House, Upminster Trading Park, Upminster, Essex, RM14 3PJ. Our other contact details are specified on our website.
1.2 Please read these terms and
conditions carefully. They cancel and replace any previous versions.
By registering on or using our Service (as defined below) you agree
to be bound by these terms and conditions.
2.Definitions
2.1 Capitalised terms have the
following meanings in these terms and conditions:
2.1.1 Service means the
services offered by means of our website at www.rainbowgrp.co.uk
and/or the Rainbow Financial Services group
of sites as well as the various Rainbow Financial
Services apps and any related software and
services.
2.1.2 Supplier means the owner
/ operator of such a third party website or service.
2.1.3 User means a person who
uses our Service (whether or not registered with us).
3.Changes to
the terms and conditions
3.1 We may change these terms
and conditions by posting the revised version on our website for 21
days before they become effective. Please check our website from time
to time. We recommend that you like this page to ensure that you are
informed of any changes. You will be bound by the revised
agreement if you continue to use our Service following the effective
date shown.
4.Use of our
Service
4.1 We grant Users a limited
personal right to use our Service subject to these terms and
conditions.
4.2 You are not eligible for,
and must not use or register on, our Service if you are under 18
years of age or you are not resident in the UK (or other relevant
country specified by us on our Service).
4.3 You must not supply any
personal data of another person (ie information enabling someone to
be identified or contacted) via our Service unless that person is 18
years or over and you have obtained that person's explicit written
consent;
4.4 Your account on our Service
is for your personal use only and is non-transferable. You must not
authorise or permit any other person to use your account. You must
take reasonable care to protect and keep confidential your password
and other account or identity information. You must notify us
immediately of any apparent breach of security such as loss, theft,
misuse or unauthorised disclosure or use of a password. You are
responsible for third parties who use your account or identity
(unless and to the extent that we are at fault).
4.5 You must promptly comply
with any reasonable request or instruction by us in connection with
the Service.
4.6 You must ensure that all
information which you provide is accurate and not misleading and that
you will update it so that it remains so.
5.Third
party websites and services
5.1 We link to a range of third
party websites or services which offer payday loans and/or various
goods and/or services. We do not ourselves offer loans or other
financial services. We do not recommend or endorse or accept
responsibility for any Supplier or its website, goods or services.
You use them at your own risk. Please check very carefully that they
are suitable for your requirements, taking appropriate professional
and other advice where appropriate.
THINK CAREFULLY
BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE
REPOSSESSED
IF YOU DO NOT
KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.
5.2 Any contract for sale or
supply of goods or services or other transaction in relation to the
third party websites or services is between you and the Supplier. You
acknowledge that any legal recourse in connection with such
transactions is against the Supplier and not us. Please direct any
queries or complaints to the Supplier.
6 Our
content
6.1 Any content which we
ourselves make available (such as articles on various topics) is
intended for very general guidance but we cannot guarantee that it is
accurate or up to date. Before acting on such information, you must
make your own appropriate enquiries including as to its accuracy and
suitability for your purposes and take appropriate professional or
other advice. You rely on such information at your own risk.
7.Functioning
of our Service
7.1 We cannot guarantee that
the website will be uninterrupted or error-free. We accept no legal
responsibility for errors or interruptions. We are entitled to
suspend the website for repair, maintenance, improvement or other
technical reason.
8.Intellectual
property rights
8.1 All trade marks, logos,
content, layout, graphics, images, photographs, animation, videos,
text and software used on the Service are our intellectual property
or that of our partners. For the purposes of your personal use only,
you may view such material on your screen and print a single
copy. You may not otherwise use, sublicense, retrieve, display,
modify, copy, print, sell, distribute, download, hire, reverse
engineer (unless permitted by applicable law) or create extracts of,
or derivative works from, such material without our specific prior
written consent.
8.2 You must not
reverse-engineer or decompile any of our software in any way (except
to the extent allowed by applicable law). You must take reasonable
steps to ensure that our software is not disclosed to any third
party.
8.3 You acknowledge and agree
that any questions, comments, suggestions, ideas, feedback or other
information about our Service ("Submissions") which you
provide us are non-confidential and shall become our sole property.
We shall own exclusive intellectual property rights in, and shall be
entitled to the unrestricted use and dissemination of, these
Submissions for any purpose, commercial or otherwise, without
acknowledgment or compensation to you.
9.Liability
etc
9.1 Nothing in this agreement
in any way limits or excludes our liability for negligence causing
death or personal injury or for fraudulent misrepresentation or for
anything which may not legally be excluded or limited.
9.2 You must give us a
reasonable opportunity to remedy any matter for which we are
potentially liable before you incur any costs remedying the matter
yourself.
9.3 Very important: We
shall not be liable for any loss or damage caused by us or our
employees or agents in circumstances where:
9.3.1 there is no breach of a
legal duty of care owed to you by us or by any of our employees or
agents;
9.3.2 such loss or damage was
not reasonably foreseeable by both parties;
9.3.3 such loss or damage is
caused by you, for example by not complying with this agreement; or
9.3.4 such loss or damage
relates to a business.
9.4 Very important:You
will be liable for any reasonably foreseeable loss or damage we
suffer arising from your breach of this agreement or misuse of our
Service (subject of course to our obligation to mitigate any losses).
10.Act of
God
10.1 Neither you nor we are
liable for failure to perform or delay in performing any obligation
(excluding payment) under this agreement if the failure or delay is
caused by any circumstances beyond your or our reasonable control
including third party telecommunication failures.
11.Transfer
11.1 We may transfer all or
part of our rights or duties under this agreement provided we take
reasonable steps to ensure that your rights under this agreement are
not prejudiced. As this agreement is personal to you, you may not
transfer any of your rights or duties under it without our prior
written consent.
12.English
law
12.1 These terms and conditions
shall be governed by English law and any disputes will be decided
only by the courts of the United Kingdom.
13.General
13.1 We may send all notices
under this agreement by email to the most recent email address you
have supplied to us (unless otherwise stated in this agreement).
Headings used in this agreement are for information and not binding.
Any failure by either party to exercise or enforce any right or
provision of this agreement does not mean this is a waiver (ie that
it can't be enforced later). If any part of this agreement is
ineffective or unenforceable for any reason, then it will be replaced
with a provision which as far as possible achieves the same thing and
the rest of the agreement shall continue to apply. A person who is
not a party to this agreement shall have no rights under the
Contracts (Rights of Third Parties) Act 1999 to enforce any term of
this agreement except insofar as expressly stated otherwise.
14.Complaints
14.1 If you have any
complaints, please contact us via the contact details shown on our
website or write to our address shown at the start of these terms and
conditions.
Website
terms and conditions by internet lawyers Adlex solicitors
Version 1.1
PRIVACY POLICY AND COOKIES
INFORMATION
Effective Date:
26th
October 2015
1.Who are
we?
1.1 MrPayDay.biz
is a website operated by Rainbow (UK) Ltd. Rainbow (UK) Ltd is fully authorised and regulated by the Financial Conduct Authority - FCA Number 674557. Our trading address is Unit 8 Saxon House, Upminster Trading Park, Upminster, Essex, RM14 3PJ. Our other contact details are specified on our website.
1.2 We are registered with the
Information Commissioner's Register of Data Controllers under
number Z7036317.
2.What's the
point of this policy?
2.1 The idea is that we tell
you how we deal with your personal data. (This is the technical term
for information about any identified or identifiable living person).
Please read on to find out what kinds of personal data we collect,
how we use and protect it, to whom we disclose it and how you can
access and rectify it.
2.2 Please don't use our
service (our website and apps) unless you are completely happy with
this policy. If you do use our service, we'll assume that you do
accept it.
3.Might the
policy change?
3.1 It may well do. If so, we
will post a revised version on our website. You should check it on
our site from time to time. We'll assume you agree to the revised
policy if you use the service after the effective date shown at the
top of the revised policy.
4.What
personal or other data do we collect?
4.1 We collect and store the
information which you give us via forms on our site - such as your
name, address, email address, phone number and so on - or when
communicating with us by email or in some other way.
4.2 We may receive and store
certain information automatically when you interact with us. Examples
include the internet protocol (IP) address used to connect your
computer to the internet, connection information such as browser type
and version, your operating system and platform, a unique reference
number linked to the data you enter on our system, login details, the
full URL clickstream to, through and from our site (including date
and time), cookie number, activity on our website including the pages
you visited and searches you made.
5.What about
cookies?
5.1 We use cookies (or may do
so in future). A cookie is a small file of letters and numbers that
we put on your computer if you agree. Our site's functionality
will be limited if you do not agree.
5.2 Cookies are widely used to
make websites work, or work more efficiently, as well as to provide
information to the site owner or others. Session cookies are
temporary cookies that remain in the cookie file of your browser
until you leave the site. Persistent cookies stay in the cookie file
of your browser for longer (though how long will depend on the
lifetime of the specific cookie). For further information on cookies,
visit www.allaboutcookies.org..
5.3 We use cookies for the
following purposes:
a) Analytical
cookies: These persistent cookies are used to
recognize and count the number of visitors as well as providing other
information about the visit such as duration, route through the site
and what sites the visitor came from. This information helps us to
improve the way our site works, for example by making sure users find
what they need easily. These cookies are provided by Google but we
may use other providers also. Google requires us to tell you the
following: This website uses Google Analytics, a web
analytics service provided by Google, Inc. (Google). Google
Analytics uses cookies, which are text files placed on your computer,
to help the website analyze how users use the site. The information
generated by the cookie about your use of the website (including your
IP address) will be transmitted to and stored by Google on servers in
the United States. Google will use this information for the purpose
of evaluating your use of the website, compiling reports on website
activity for website operators and providing other services relating
to website activity and internet usage. Google may also transfer
this information to third parties where required to do so by law, or
where such third parties process the information on Google's behalf.
Google will not associate your IP address with any other data held by
Google. You may refuse the use of cookies by selecting the
appropriate settings on your browser. However please note that if you
do this you may not be able to use the full functionality of this
website. By using this website, you consent to the processing of
data about you by Google in the manner and for the purposes set out
above. Click here for
information about privacy at Google.
b) Third party
advertising cookies: As do many other sites, we use
third party advertisers and/or internet advertising companies working
for them to fill ad space on our site. These third parties may use
persistent cookies and other similar technologies (known as action
tags, single pixel gifs and web beacons) to assess information about
your visits to this and other sites. This is so they can track
the effectiveness of their campaigns (including whether these
advertisements are clicked on or viewed by users and later purchases
by such users), avoid showing you the same advertisement repeatedly
and display advertisements on this and other sites tailored to your
preferences. We don't have any access to or control over these third
party technologies. If you would like more information about these
practices and to know your choices about not having this information
used by certain of these companies, please click here. [link
to: www.youronlinechoices.com]. Please contact the third
parties directly for more information about their privacy practices.
5.4 Please contact us by
the means shown on our website if you wish to withdraw any consent
which you have given to the use of cookies. Note that this may impact
on the functionality of our site.
6.How do we
use your personal data?
6.1 We or one of our third
parties may use your personal data to provide our services eg send
service messages.
6.2 We or one of our third
parties may use your personal data to carry out identity checks or
for our own credit scoring.
6.3 We or one of our third
parties use your personal data to help us communicate with you
effectively should you try to contact us via our site including
verification of any claims you may make.
6.4 We or one of our third
parties may telephone you to check some points regarding your
application or to remind you about an upcoming renewal. We may
monitor or record any telephone calls with you for customer service
and administration purposes.
6.5 If you have agreed on our
site, we or one of our third parties may use your personal data to
send you texts, emails (or other communications) with details of our
or third party goods or services which may be of interest to you
including information about special offers or promotions.
6.6 We or one of our third
parties may use IP addresses or personal data to recognize you when
you visit or return to our site so we can track anonymised traffic
and usage patterns, to prevent or detect fraud or abuses or to help
us improve our site.
6.7 We or one of our
third parties retain personal data in order to comply with legal
obligations, enforce our terms and conditions, prevent fraud, collect
any fees owed, resolve disputes, troubleshoot problems, assist with
any investigations and take other actions as permitted by law.
6.8 We or one of our third
parties may access, remove, alter or store or otherwise use any
personal data if we think you have or may have breached our terms and
conditions or to enforce our rights or protect the public or where if
we are required to do so by law or appropriate authority.
7.How do we
protect personal data?
7.1 Security is a high
priority. We take appropriate precautions to protect personal data
from loss, misuse, unauthorised access or disclosure, alteration or
destruction using the same safeguards as we use for our own
proprietary information.
7.2 Don't forget that email and
other electronic communications are not secure if they haven't been
encrypted. Your communications may pass through servers in a number
of countries before they reach us. So we don't accept responsibility
for any unauthorised access to or loss of personal data that stems
from a cause beyond our control. Nor can we be held responsible for
the actions or omissions of other users or third parties who may
misuse your personal data which they collect from the site.
8.To whom do
we disclose personal data?
8.1 Where you complete a form
on our site enquiring about loans or other financial services, we
supply your information to third party financial services providers
to enable them to provide estimates, quotes or information about
their services. Those providers may contact (including by telephone /
email) for such purposes.
8.2 We may allow access to your
personal data by third parties who supply us with a service - for the
purpose of their service only and in accordance with our
instructions. Examples include website hosts and businesses
which assist us in undertaking communications or monitoring our site.
8.3 We or third party financial
service providers may supply your personal data to relevant credit
reference and fraud prevention agencies, who may themselves keep a
record of that information and who may make it available to third
parties.
8.4 We may disclose personal
data so far as reasonably necessary:
a) if we think you have or may
have breached our terms and conditions or to enforce our rights or
protect the public or where we have reasonable grounds for believing
that a criminal act has been committed or if we are required to do so
by law or appropriate authority; or
b) in the case of an actual or
proposed (including negotiations for a) sale or merger or business
combination involving all or the relevant part of our business.
8.5 We may share your
information with any other companies within our group for the
purposes stated in this privacy policy.
8.6 We may store or transfer
personal data outside the European Economic Area for the purposes
stated in this policy.
8.7 Except as otherwise
specifically included in this policy, this document addresses only
the use and disclosure of information we collect from you. If you
disclose your information to third parties, whether they are other
users of our site or other websites, different rules may apply to
their use or disclosure of your information.
9. How
can you access and rectify personal data?
9.1 You can access and rectify
your personal data by contacting us by the means shown on our
website. We may charge an administration fee in line with data
protection laws.
9.2 For information about your
rights under UK data protection laws, see the website of the UK
Information Commissioner
Website
privacy policy by internet lawyers Adlex solicitors
Notices
May 2013 - Could applicants be
aware that Rainbow Loans would never e-mail or telephone asking for
your card details to take payments up front for loan
applications.
It appears that another company has been
fraudulently using our Company name, this had been reported to
Action fraud 0300 123 2040 who are now looking into this matter.
Anyone who is contacted should call Action Fraud immediately and
lodge a complaint
We will transfer and/or
store information outside the EEA, in the US, however it is worth
noting that our US recipient is signed up the US Department of
Commerce Safe Harbor Scheme. This scheme is recognised by the
European Commission as providing adequate protection for the of the
rights of individuals in connection with the transfer of their
personal data to signatories of the scheme in the USA. The ICO
recognise this scheme here:
https://ico.org.uk/for-organisations/guide-to-data-protection/principle-8-international/
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