Detailed below are the terms & conditions that we, Fast payday loans adhere to, it provides information regarding the services that we provide our users with. Please read the terms and conditions before applying for a payday loan to ensure that you agree with how the company operates.
If for any reason you do not agree with the below points, please do not use Fast payday loans.
By using the website you are agreeing that you accept the terms and conditions and agree to comply with them, also you will also be agreeing that you will use the services provided for lawful purposes.
About Us
Fast Payday loans is a trading company registered at Unit 6, Sharp project, Manchester, M405bj
Licensing & Regulation
Our consumer credit license number is , we are regulated by the Office of Fair Trading under the Consumer Credit Act 1974.
Services provided
Fast Payday Loans offer online services to our customers, upon using our services you are entering into an agreement between you, the customer and Fast Payday Loans
Upon entering into the agreement you are accepting and agreeing to abide by the full terms and conditions of the site.We also acknowledge our own obligations in this agreement, meaning that fastpaydayloansreview.com will provide users with services.
As we are providing our customers with a service we have no obligations to other parties, only our customer. Please note that if a customer uses our services on behalf of a third party our obligation will still be with you. Further to this, the terms and conditions of the site will still relate to the customer and not with the third party.
Limitations
Fast payday loans are not a lender and do not provide customers directly with payday loans, our service involves finding you, the lender with providers of financial services.
All examples of rates, amounts available to borrow or repayment methods are given as an example relating to the product. This information is stated to give customers an overview of the product offering. As we do not provide the loan directly we are unable to guarantee the products offered by any financial providers, nor do we have any control over the decisions made by them.
Credit Checks
Fast Payday loans do not carry out credit checks on any of the customers applying through the website, however checks will be carried out by the finance providers/lenders. These credit checks are carried out to determine if the customer is eligible for a payday loan as well as to prevent fraudulent activity and verify the customer’s identity.
Information given by the client must always be 100% accurate. Misleading or inaccurate information will be considered a breach of the terms and conditions of the website. Purposely misleading a financial organisation is a criminal offence and will be reported to the appropriate authorities.
In the event that a client authorises a third party to use the website on their behalf, the instructions from the authorised 3rd party will be considered contractually binding on the clients behalf.
In the event that a joint application is made, each party will be dealt with as a client acting with the consent of the other.
Information about you
When using the website, you agree that the information provided by yourself is accurate.
Communication
Unless the customer states otherwise we will contact you via means of telephone, SMS, post and email to provide information and alerts relating to our services and our associate companies.
Customer access
Fast Payday Loans reserve the right to amend or fully remove services that we provide without notifying customers. We cannot be held liable when our website is unavailable.
Responbsibility lies with our customers, they are to ensure that parties with access to the website abide to our full terms and conditions.
There is times when we update or change content on the website, at this time access to the site may be limited. Further to this, there may be points where content is out of date, we cannot be held responsible for this.
Restricted access
There may be occasions where customers experience restricted access to the website, this may be to the entire site or just to specific areas.
Usernames & passwords supplied by the website must be kept strictly confidential and should not be given or disclosed to anyone but yourself. If we have reasons to believe that these conditions have been breached then we reserve the right to disable usernames & passwords.
Intellectual property rights
The material and copyright on this website is owned by Fast Payday Loans and thus is protected by the copyright laws of the UK. This means that though customers are entitled to copy content for their personal use, they may not republish, store or reproduce any content from the site. This includes and is not limited to electronic reproduction without the written consent of us.
External links
External links on our website which relate to 3rd parties are provided for your information only. We do not accept any liability or responsibility for losses or damage incurred from visiting them.
Liability
Any liability for direct, indirect or consequential loss or damage incurred by any user in connection with our website or in connection with the use, inability to use, or result of the use of our website, any websites linked to it and any materials posted on it, including, without limitation any liability for loss of income or revenue, loss of business, loss of profits, or contracts, loss of anticipated savings, loss of data, loss of goodwill, wasted management or office time, and for any other loss or damage of any kind, however arising and whether caused by tort (including negligence) breach of contract or otherwise, even if foreseeable, provided that this condition shall not prevent claims for loss of or damage to your tangible property or any other claims for direct financial loss that are not excluded by any of the categories set out above.
The above does not affect our liability for personal injuries or death arising from our negligence, nor our liability for fraudulent misrepresentation or mispresentation.
Exclusions
The obligations and responsibilities of any breach of contract of or 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 maybe connected to the customer. As a customer of the website, you will take full responsibility for any loss and/or damage incurred by the provision of misleading or incorrect information to us from the customer. In the event that the above does occur and results in a loss, there will be no liability held against us If this is the result of something beyond our control, which includes changes in the law or regulations which have affected 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.
Viruses, hacking etc
You may not knowingly misuse the website by purposely exploiting the website via viruses, SQL attacks or any other malicious type of attack which is technologically harmful. You must not attempt to gain unauthorised access to our website, or the server where the site is hosted. You must not attack the website via any form of Denial or service attack.
Anyone found to be breaching this provision will be committing a criminal offence under the computer misuse act 1990 and will result in us reporting the information to relevant authorities. We will fully co operate with authorities, disclosing any information that we hold on you and your right to use the website will cease with immediate effect.
We cannot be held liable for any loss or damage caused by any malicious technological attack that may infect your computer, data or other material due to your use of the website, or from downloading any materials posted on it.
Laws applicable
The terms and conditions and any dispute which may arise shall be governed in accordance with the laws of England, Wales or Scotland depending on where you live.
We retain the right to bring proceedings against you for any breach of the terms and conditions in accordance with the laws of the country in which you reside.
Changes to our Terms and Conditions
In the event that we make any changes to the terms and conditions of the website, we will do this by posting them online. It is the customers responsibility to keep checking the page to ensure that they are fully updated on any changes.
If you choose to continue using the website after changes have been made, you will be accepting and agreeing to comply with our terms and conditions.
Further to the above, some provisions from within the terms and conditions may also be superseded by notices that have been published elsewhere on the website.
Governing language
The governing language of this agreement and any communication between the customer and us will be in English.
Complaints
We strive to give our customers the best level of customer services, however in the event that you do not feel you have been offered a good experience and thus you feel you would like to make a complaint, please send your comments in writing to:
The compliance manager,
Fast Payday Loans
Unit 6,
Sharp project,
Manchester,
M405bj
Or fill in the contact form.
We aim to follow up complaints within 8 weeks of receiving your letter.
