This website is owned by Cheque Centres Limited trading as “Cheque Centres” (“us”/”we”/”our”).. Furthermore, this website is protected by both copyright and database rights. Your use of this website, including any information you may send to us or submit to the website and/or any services used via this website is subject to the following terms and conditions (“Terms and Conditions”) and your continued use of this website indicates your acceptance of these Terms and Conditions.

Our Privacy Policy forms an integral, part of these Terms and Conditions.

If you have any queries regarding our website or any of the information or materials contained on or in it, please contact us by email at customerservice@chequecentre.co.uk

Product Terms and Conditions

Instore Payday Loan: *Commission applies. Customers must be 18 years and over. Subject to status and verifiable proof of I.D.

I.D. should be one form of photographic and/or contain your original signature plus current proof of address. Terms and conditions apply.

Online Payday Loan: *Not all customers will qualify for a £1,000 loan. Final approved loan amounts are subject to credit underwriting and lending procedures of The Loan Store Limited. First time borrowers can receive a maximum loan amount of £500. **Approximate time to decide on a customer loan will be dependent on receiving all required documents and making the appropriate contact with the customer. Once documents have been received and contact has been made, typical decision time for most customers is approximately 30 minutes or less.† Customer applications must be received and fully approved before 17:00 to have funds deposited in the customers bank account on the same day (depending on payment method chosen) Any applications approved after 17.00 will have funds deposited in the customers bank account the next day, excluding Sunday and is dependent on which payment method has been selected. Charges apply for Faster Payment and CHAPS transfer.payment method

Instore 12 month Short Term Loan: *Commission applies. Customers must be 18 years and over. Subject to status and verifiable proof of I.D.

I.D. should be one form of photographic and/or contain your original signature plus current proof of address. Terms and conditions apply.

Foreign Currency: *Other currencies available, please ask instore for details for rates applicable. Rates may vary from store to store. Terms and conditions apply.

Cheque Cashing: *I.D. should be one form of photographic and/or contain your original signature plus current proof of address. Commission applies. Terms and conditions apply.

Mobile Phones: *Not applicable to online comparison rates. Customers must be 16 years and over and have 2 forms of I.D.

I.D. should be one form of photographic and/or contain your original signature plus current proof of address. Terms and conditions apply.

Pawn or Sell you Gold/Silver: *Not applicable to online comparison rates. Customers must be 18 years and over and have 2 forms of I.D. I.D. should be either one form of photographic and/or contain your original signature plus current proof of address. Goods may be tested for valuation purposes. Original receipt must be provided at time of buying goods back. Your gold will be used as security against your loan. Commission applies. Other Terms and Conditions may apply.

World wide money transfers: *Fees apply. I.D. should be one form of photographic and/or contain your original signature plus current proof of address. Terms and conditions apply.

Disclaimer

The information contained and/or the opinions expressed on this website are provided for general information purposes only and are not intended to be comprehensive, nor specific professional advice. Furthermore, any information provided is for guidance only. It is not intended to replace professional advice. We do not accept any responsibility and/or liability for the implementation of any advice provided. Whilst we endeavour to ensure that the content of our website is accurate and up-to-date, we do not make any representations nor give any warranties of any kind (express or implied) with respect to the contents or operation of this website, and any such representations and warranties are expressly excluded.

Postings and monitoring

You are solely responsible for your postings and online behaviour.

You may not post on or transmit through this website any material which breaches or infringes in any way the rights of others, which is unlawful, threatening, abusive, discriminatory, inflammatory, defamatory, libellous, pornographic, is an invasion of privacy or publicity rights, vulgar, obscene, profane, indecent or otherwise objectionable, which encourages conduct that would constitute a criminal offence, gives rise to civil liability or otherwise breaches any law. You may not undertake any conduct that, in our opinion, restricts or inhibits any other user from using or enjoying this website.

We expressly reserve the right, but not the obligation, to monitor the submissions to this website to determine compliance with these Terms and Conditions and any other operating rules established by us. We shall have the right in our sole discretion to edit, refuse to post or remove any materials submitted to this website particularly when it is in contravention of those rules contained or referred to within these Terms and Conditions. If you become aware of any material submitted to or posted on this website which is in contravention of these Terms and Conditions, then please email customerservice@chequecentre.co.uk

Notwithstanding our right to edit, refuse to post or remove any material submitted to or posted on this website, you shall remain solely responsible for the content of your submission. We reserve the right to take any action that we believes prudent or necessary to minimise or eliminate potential liability. You acknowledge and agree that we shall not assume or have any liability for any action or inaction by us with respect to any conduct, communication, or posting on or through this website.

Liability

This website and the downloads made available on it are made available on the basis that all liability whatsoever for any losses, claims, actions or damage, whether direct or indirect, arising out of or in connection with your use of this website and/or any of the downloads made available on it, or your reliance upon the contents of this website are excluded to the fullest extent permitted by law including but not limited to any liability for 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.

This does not affect our liability for death or personal injury arising from our negligence, nor our liability for fraudulent misrepresentation or misrepresentation as to a fundamental matter, nor any other liability which cannot be excluded or limited under applicable law.

If we discover any typographical, clerical or other error or omission in any page posted on this website then such error shall be subject (as soon as practicable) to correction or deletion (as appropriate) without any liability on our part.

Access

We do not warrant that use of this website and/or any downloads from this website will be uninterrupted and error free.

Access to our site is permitted on a temporary basis, and we reserve the right to withdraw or amend the service we provide on our site without notice (see below). We will not be liable if for any reason our site is unavailable at any time or for any period.

From time to time, we may restrict access to some parts of our site, or our entire site, to users who have registered with us.

You are responsible for making all arrangements necessary for you to have access to our site. You are also responsible for ensuring that all persons who access our site through your internet connection are aware of these terms, and that they comply with them.

Passwords

Where you are provided with a user name, password or any other piece of information as part of our security procedures for use of this website, this is provided on a confidential basis and must not be used by and/or disclosed or provided to any third party. We have the right to disable any user name or password, whether chosen by you or allocated by us, at any time, if in our opinion you have failed to comply with any of the provisions of these Terms and Conditions.

Enforcement

We shall not be obliged to enforce these Terms and Conditions against any third party nor take any action against any third party for breach of these Terms and Conditions. Furthermore, we shall have no liability to you for any breach of these Terms and Conditions by any third party.

Changes to these Terms and Conditions

We reserve the right to make changes to this website and these Terms and Conditions at any time without notice and it is your responsibility to revisit this page from time to time to re-read this notice as the changes will be binding on you. Any revised terms shall take effect as at the date of their posting on this website. Some of the provisions contained in these Terms and Conditions may also be superseded by provisions or notices published elsewhere on our website.

Law and disputes

The content of this website and any dispute arising out of use of this website (including any non-contractual dispute), are governed by Scottish law and shall be subject to the non-exclusive jurisdiction of the Scottish Courts.

Copyright & Trademarks

No material protected by copyright, trade mark or other proprietary rights shall be uploaded, posted, submitted or otherwise made available on this website without the express permission (and agreement to the terms hereof) of the owner of the copyright, trade mark or other proprietary right and the burden of determining that any material is not protected by such rights rests with you. You shall be solely liable and hereby undertake to indemnify us and our officers , employees, agents, representatives and contractors for any damages resulting from any infringement of copyrights, proprietary rights, or any other harm resulting from any uploading, posting or submission.

You may download, temporarily store, and use the information contained in or on one or more pages from this website for your own personal use and research. However, save where the same cannot be prohibited by law, you may not adapt, modify, copy, merge, translate, decompile, disassemble, permanently store (save in respect of any wallpapers and/or screensavers downloadable from this website), republish, retransmit, redistribute or otherwise make such information or pages available to any other party or available on any website, online service or bulletin board of your own or of any other party or make the same available in hard copy or on any other medium without our express prior written consent.

All designs, texts, graphics, codes and the selection or arrangement of them are the copyright or database rights of ours and/or are utilised by us under appropriate licences.

All trade marks, brand names and business names or logos contained in this website are proprietary to us and/or are utilised under appropriate licences.

You hereby grant to us a worldwide, royalty free, perpetual, irrevocable, non-exclusive right and licence to use, reproduce, modify, adapt, publish, translate, distribute and display any text and/or other materials posted on or submitted to this website by you, in whole or in part. You warrant that you have the right to grant such a licence and will at your own cost do all you reasonably can to give the title you purport to give us under it, and that such a right and licence shall be free from all charges, encumbrances and adverse rights.

You hereby waive and/or agree to procure the waiver of any and all moral rights (as set out at Chapter IV of Part I of the Copyright, Designs and Patents Act 1998) in and in relation to any text or submission which you may make to this website save that we reserve the right to identify you as the author of any submission which is published in whole or in part on this website.

Downloads

Any licences granted in respect of downloads, including but not limited to those in respect of webpages, shall, unless terminated early for breach, continue until such time as you cease to use the relevant download and/or until such time as all intellectual property rights of Cheque Centre in the same expire, whichever is the earlier. All licences granted shall terminate automatically if you breach any of the terms of the licence including any provision of these Terms and Conditions. Upon termination of the licence (save where such termination arises as a result of the expiration of the intellectual property rights of ours) you shall destroy and erase all copies of the downloads under your control and stored on any medium. Use of downloads is subject always to the full provisions of these Terms and Conditions.

Linking Policy

Whilst we retain the right to establish any hypertext links (being the means by which you can skip from one website to another or from one page to another within the same site) between our website and any third party website at our discretion, you agree that you will not create any hypertexts links or deep links (a deep link being a hypertext link which enables a user to enter a website whilst bypassing a home page) between this site and any third party site without our express written consent.

If you choose to use a hypertext link contained within this website then you may leave our website. Once you have left our website, whether or not you have realised that you have left, we are no longer responsible in any way for the material on the other website that you enter. In addition, hypertext links are included in order to provide further information and are not intended to signify that we endorse or approves of such website and/or its content. We exclude to the fullest extent permitted by law all liability that may arise in connection with or as a result of such external website material causing any damage, cost, injury or financial loss of any kind.

Contacting Us

If you have any questions or comments about these Terms and Conditions or any other aspect of this website, please contact:

Customer Services Department
Cheque Centres
The Forum
Bankhead Crossway North
Edinburgh
EH11 4BP

Tel: 0800 24 30 28
Email:customerservice@chequecentre.co.uk

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