Emergency Cash Limited

Website Terms and Conditions of Use

1) Terms of website use

1.1 These terms tell you, the customer (“you”, “your”) the Terms and Conditions of Use (“Terms of Use”) which, together with our Privacy Policy , govern your use of this website wizzcash.com (“our Site”), owned, operated, licensed, and controlled by Emergency Cash Limited (“Emergency Cash”, “we”, “us” and “our”).

1.2 Please read these Terms of Use carefully before you start to use our Site.

1.3 By using our Site, you indicate that you accept these Terms of Use and that you agree to abide by them. If you do not agree to these Terms of Use, please refrain from using our Site.

2) Information about us

2.1 Our Site is operated by Emergency Cash. We are registered in England and Wales under company number 07527455 and have our registered office at Emergency Cash Limited, 4th Floor, 7-10 Chandos Street, London, W1G 9DQ, United Kingdom.

2.2 We are authorised and regulated by the Financial Conduct Authority.  Licence number is 673428.

2.3 We are registered with the Information Commissioner’s Office in compliance with the Data Protection Act of 1998. Our registration number is Z2831320.

2.4 You can contact us by email at customer.services@wizzcash.com

3) Accessing our site

3.1 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. We will not be liable if for any reason our Site is unavailable at any time or for any period.

3.2 From time to time, we may restrict access to some parts of our Site, or the entirety of our Site, to users who have registered with us.

3.3 If you are provided with or select a user identification code, PIN, password or any other piece of information as part of our security procedures, you must treat such information as confidential, and you must not disclose it to any third party. We have the right to disable any user identification code, PIN 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 of Use.

3.4 You are responsible for making all arrangements necessary for you to have access to our Site. You are also responsible for the use of our Site by any person using your computer. By accessing our Site any person using your computer agrees to be bound by these Terms of Use. You are responsible for ensuring that all persons who access our Site through your Internet connection and on your computer are aware of these Terms of Use and that they comply with them.

4) Age

4.1 The services and products that we provide on our Site are intended for those over 18 years of age and older only, and information contained on our Site does not amount to an invitation to clients who are under 18 to buy any services or products. All transactions for the supply of services concluded through our Site are governed by the Terms of Use.

5) Intellectual property

5.1 Our Site, the content, any materials downloaded, and all intellectual property pertaining to or contained on our Site (including but not limited to copyrights, patents, database rights, graphics, designs, text, logos, trade dress, trademarks and service marks) are owned by or licensed to us [and/ or third parties] and all right, title and interest therein shall remain the property of Emergency Cash Limited [and/or such third parties] (collectively, the “Content”). All Content is protected by copyright, patent and trademark laws, and various other intellectual property rights and unfair competition laws.

5.2 You are authorised solely to view and retain a copy of the pages of our Site for your own personal, non-commercial use. You may also view and make copies of relevant documents, pages, images or other materials on our Site for the purpose of transacting business with Emergency Cash.

5.3 You agree that you will not duplicate, publish, modify, create derivative works from, participate in the transfer of, post on the World Wide Web, or in any way distribute or exploit our Site, or any portion of our Site for any public or commercial use without our express written consent.

5.4 Additionally, you agree that you will not (i) remove or alter any author, trademark or other proprietary notice or legend displayed on our Site (or printed pages produced from our Site); and (ii) make any other modifications to any documents obtained from our Site other than in connection with completing information required to transact business with Emergency Cash.

6) Site security

6.1 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.

6.2 Such unauthorised use of our Site may give rise to a claim for damages and/or be 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 without further notice.

6.3 We will not be liable for any loss or damage caused by a distributed denial-of-service attack, viruses, trojans, worms, logic bombs 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.

7) Privacy

7.1 Our Privacy Policy applies to use of our Site, and its terms are made a part of these Terms of Use by this reference.

7.2 Additionally, by using our Site, you acknowledge and agree that Internet transmissions are never completely private or secure. You understand that any message or information you send to our Site may be read or intercepted by others, notwithstanding our efforts to protect such transmissions. We are not responsible for any messages which are lost, altered by third parties or intercepted and we 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 by us to you via the Internet.

7.3 Our Site makes use of cookies. Cookies are files which our server uses to identify your computer. Cookies cannot identify which person is using the computer. The cookies we use record which parts of our Site are being visited and for how long.

7.4 The Privacy and Electronic Communications (EC Directive) (Amendment) Regulations 2011 requires that cookies can only be placed on a computer where the user has given their express consent. You can choose to accept or decline cookies when you first access our Site. We require you to indicate your choice via an automated “pop-up” box, which explains the cookies we use and what we use them for. Most web browsers automatically accept cookies, but you can also usually modify your browser setting to decline cookies if you prefer. If you decline to accept our use of cookies or set your web browser to decline their use, you will have only limited functionality in the use of our Site. Our Privacy Policy contains further guidance on our use of cookies.

7.5 Logos, trademarks, images, etc. are the property of Emergency Cash Limited unless otherwise noted and may not be copied, used, linked, disseminated, etc. without Emergency Cash’s prior express written approval. Requests for approval should be directed to customer.services@wizzcash.com

8) Data protection

8.1 As a result of your interaction with our Site, we may collect, hold and process personal information provided by you.

8.2 By using our Site to transmit personal data, you consent to such processing and you warrant that information provided by you is accurate.

8.3 We may hold personal information for various purposes, including making lending decisions, preventing fraud, debt collection, understanding your personal needs, conducting our business, providing you with better products, evaluating the effectiveness of our marketing and for statistical analysis.

8.4 Any personal data we process about you will be processed in accordance with our Privacy Policy and by using our Site to transmit personal data you consent to such processing and you warrant that information provided by you is accurate.

8.5 Loan applicants who begin an application, but do not complete it may be contacted in the future by wizzcash.com. The nature of any future communications may include an opportunity to complete an existing application or with regard to further wizzcash.com services.

8.6 As part of the application process, we carry out a number of checks to ensure the integrity of the applicant’s details. One of these checks is a debit card pre-authorisation which will put a hold on £1 in the account. This is just temporarily and we will never collect this amount. The amount will be released by the bank within 72 hours although some banks may take longer.

8.7 One of our underwriters may get in touch with you at your place of work in order  to confirm your employment or we may  request  proof of  current employment. Should we need to contact you about an open loan and we are unable to contact you via the personal contact details you have provided, we may try and contact you at your place of work.

9) Disclaimers

9.1 We do not promise that our Site or any content, document or feature of our Site will be error-free or uninterrupted, or that any defects will be corrected or that your use of our Site will provide specific results.

9.2 The material on our Site could include technical inaccuracies or typographical errors. Our Site and its content are delivered on an “as-is” and “as-available” basis. All information provided on our Site is subject to change without notice. We cannot ensure that any files, documents or other data you download from our Site will be free of viruses or contamination or destructive features.

9.3 We disclaim all warranties, express or implied, including any warranties of accuracy, non-infringement, merchantability and fitness for a particular purpose.

9.4 Commentary and other materials posted on our site are not intended to amount to advice on which reliance should be placed. We therefore disclaim all liability and responsibility arising from any reliance placed on such materials by any visitor to our site, or by anyone who may be informed of any of its contents.

9.5 We disclaim any and all liability for the acts, omissions and conduct of any third parties in connection with or related to your use of our Site. You assume total responsibility for your use of our Site and any linked sites.

10) Our liability

10.1 The material displayed on our Site is provided without any guarantees, conditions or warranties as to its accuracy. To the extent permitted by law, we and third parties connected to us hereby expressly exclude:

10.1.1 All conditions, warranties and other terms which might otherwise be implied by statute, common law or the law of equity.

10.1.2 10.1.2 Any liability for any direct, indirect or consequential loss or damage incurred by any user in connection with our Site or in connection with the use, inability to use, or results of the use of our Site, any websites linked to it and any materials posted on it, including:

(i) loss of income or revenue;

(ii) loss of business;

(iii) loss of profits or contracts;

(iv) loss of anticipated savings;

(v) loss of data;

(vi) loss of goodwill;

(vii) wasted management or office time; and

(viii) 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.

10.2 This does not affect our liability for death or personal injury arising from our negligence, or our liability for fraudulent misrepresentation or misrepresentation as to a fundamental matter, or any other liability which cannot be excluded or limited under applicable law.

11) Indemnity

11.1 By using our Site, you agree to defend, indemnify, and hold harmless Emergency Cash Limited from and against any and all losses, claims, damages, costs and expenses (including reasonable legal and accounting fees) that Emergency Cash Limited may become obliged to pay, arising or resulting from your use of our Site, the Content, or your breach of these Terms of Use. Emergency Cash Limited reserves the right to assume or participate, at your expense, in the investigation, settlement and defence of any such action or claim.

12) Linking to and from our site

12.1 Our Site may contain links to websites maintained by third parties. Emergency Cash Limited is not responsible for the content, availability 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.

12.2 Please note that other websites and web pages linked to on our Site may be governed by separate terms and conditions, including privacy policies. You should refer to the applicable terms and conditions of those websites and web pages before using them and you should direct any questions or comments about the linked website to the appropriate website provider.

12.3 You may link to our home page, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it, but you must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part where none exists] or [You are not permitted (and nor are you permitted to assist others) to set up links from your own website (by whatever means) without prior written consent, which we may grant or withhold at our absolute discretion. You must not establish a link from any website that is not owned by you.

12.4 [Our Site must not be framed on any other site, nor may you create a link to any part of our Site other than the home page. We reserve the right to withdraw linking permission without notice.]

12.5 If you wish to make any use of material on our Site other than that set out above, please address your request to customer.services@wizzcash.com

13) Law and jurisdiction

13.1 Your use of our Site and these Terms of Use 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 of Use.

13.2 However, we retain the right to bring proceedings against you for breach of these Terms of Use in your country of residence or other relevant country.

14) Miscellaneous

14.1 Any failure by Emergency Cash Limited to exercise any rights or enforce any of these Terms of Use shall not constitute a waiver of such rights or terms.

14.2 If any provision of these Terms of Use or their application in a particular circumstance is held to be invalid or unenforceable to any extent, the remainder of these Terms of Use, or the application of such provision in other circumstances, shall not be affected thereby, and each provision hereof shall be valid and enforced to the fullest extent permitted by law.

14.3 These Terms of Use constitute the entire agreement between you and Emergency Cash Limited with regard to your use of our Site, and any and all other written or oral agreements or understandings previously existing between you and Emergency Cash Limited with respect to such use are hereby superseded and cancelled.

15) Complaints

15.1 Should you wish to make a complaint about material which appears on our Site, please contact customer.services@wizzcash.com or Emergency Cash Limited, 4th Floor, 7-10 Chandos Street, London, W1G 9DQ, United Kingdom.