Terms and conditions of use of the Close Payment Services internet website

This website is owned and maintained by Close Payment Services. The use of this website is subject to the following terms and conditions that you should read carefully. By using this website you agree to be legally bound by these terms and conditions.



Use of this website

1 The information provided on this website or in any communication containing a link to this site is for personal use and information purposes only and is not intended for distribution to, or use by, any person or entity in any jurisdiction in any country where such distribution or use would be contrary to law or regulation or which would subject any member of Close Payment Services to any registration requirement within such jurisdiction or country. Where any opinions are expressed on this website, they are provided by Close Payment Services for personal use and for information purposes only.

2 Unless otherwise stated, the services and products on this website are intended for use by residents of the United Kingdom and Ireland only, and are not aimed at or intended for use by residents of any other jurisdictions.

3 Where any information on this website constitutes a financial promotion it is issued and approved for publication and distribution in the United Kingdom and Ireland only.

4 This website is designed to be accessed through its principal home pages and such other pages as we may decide. If you access the site through individual pages directly, which are not designed for this purpose, you may not see important information that is relevant to information on this website. You will be referred on certain site pages to read "Terms and Conditions". This will contain important details and relevant legal or regulatory information and should be read in conjunction with the relevant site pages.



Exclusion of liability

5 These 'Exclusion of Liability' provisions should be read carefully as they exclude or limit our legal liability in connection with your use of this website. Nothing in these terms and conditions and in particular within the 'Exclusion of Liability' clauses shall attempt to exclude liability that is not permissible to exclude under applicable law, including without limitation, for death or personal injury, or for fraudulent misrepresentation.

6 Nothing in these terms and conditions shall exclude or limit or restrict our duties and liabilities to you under the Financial Services and Markets Act 2000, or any conduct of business rules which we are bound to comply with.

7 While we have taken all reasonable steps to ensure the accuracy and completeness of the content of the website, we exclude any warranties, undertakings or representations (either express or implied) to the full extent permitted under applicable law, that the website or (including without limitation) all or any part of the content or materials, accuracy, availability or completeness of the content of the website or any part of the content or materials, are appropriate or available for use either in the United Kingdom or in other jurisdictions. If you use this website from other jurisdictions, you are responsible for compliance with applicable local laws.

8 We accept no liability (including without limitation) in either contract, tort, negligence, statutory duty or otherwise (to the maximum extent permitted by applicable law) arising out of the use of or access to this website (which includes without limitation) any errors or omissions contained in this website or if the website is unavailable and we shall not be liable for any direct or indirect:
• economic losses (including without limitation loss of revenues, data, profits, contracts, use, opportunity, business or anticipated savings);
• loss of goodwill or reputation; or
• special, incidental, consequential loss or damage,
suffered or incurred arising out of or in connection with your use of this website and these terms and conditions.

9 Access to and use of this website is at the user's own risk and we do not warrant that the use of this website or any material downloaded from it will not cause damage to any property, or otherwise minimise or eliminate the inherent risks of the internet including but not limited to loss of data, computer virus infection, spyware, malicious software, trojans and worms. Also, we accept no liability in respect of losses or damages arising out of changes made to the content of this website by unauthorised third parties.

10 To provide increased value to users of this website, we may provide links to other websites or resources (that are not part of Close Payment Services) for you to access at your sole discretion. You acknowledge and agree that, as you have chosen to enter the linked website we are not responsible for the availability of such external sites or resources, and that we do not review or endorse and shall not be responsible or liable, directly or indirectly, for (i) the privacy practices of such websites, (ii) the content of such websites, including (without limitation) any advertising, content, products, goods or other materials or services on or available from such websites or resources or (iii) the use that others make of these websites or resources, nor for any damage, loss or offence caused or alleged to be caused by, or in connection with, the use of or reliance on any such advertising, content, products, goods or other materials or services available on such external websites or resources.

11 The above limitation or exclusion may not apply to you to the extent that applicable law may not allow the limitation or exclusion of liability for incidental or consequential damages.



Personal data

12 By agreeing to be bound by these terms and conditions, you are agreeing to be bound by our Privacy Policy.

Privacy
We (Close Payment Services) are committed to protecting your privacy during your visits to the Close Payment Services website and recognise our responsibility to keep the information you provide to us confidential at all times.

Security of your online information
Our website is a general access site with only the Collections Client Maintenance login requiring a high level of security. We utilise a range of security measures for the Collections Client Maintenance system, including encryption technology that ensures your data remains inaccessible to unauthorised people. Collections Client Maintenance users need to go through additional layers of security to access this online facility.

For more details on our security and privacy statements, please email marketing@closepf.com for these details.



Copyright

13 © 2006 Close Payment Services. All rights, save as expressly granted, are reserved. Reproduction in any form of any part of the contents of this website without our prior written consent is prohibited unless for personal use only.



Advice

14 The contents of this website do not purport to provide any financial, investment or professional advice and nothing on the pages of this website shall be deemed to constitute financial, investment or other professional advice in any way. In particular, you may wish to obtain advice from a qualified expert before making any investment decision.



Changes to this website

15 The contents of this website, including these terms and conditions of use, are subject to change by us without notification. Additionally Close Payment Services shall not be obliged to remove any outdated information from the website or to expressly mark it as being outdated.



Telephone calls

16 Calls may be recorded.



Internet communications

17 In order to maintain the security of its systems, protect its staff and detect fraud and other crimes, Close Payment Services reserves the right to monitor all internet communications, including web and email traffic, into and out of its domain. Monitoring includes (without limitation) checks for viruses and other malignant code, criminal activity, and use or content that is unauthorised or unlawful or material that may cause offence in any way.



Regulatory information

18 Close Payment Services is a trading style of Close Brothers Limited - a subsidiary of Close Brothers Group plc. Close Brothers Limited, registered address 10 Crown Place, London EC2A 4FT, is registered at Companies House Number 195626 and is authorised and regulated by the Financial Services Authority (no. 124750). The FSA's Register can be accessed at www.fsa.gov.uk/pages/register. Close Payment Services (a trading style of Close Brothers Limited) is Registered under the Consumer Credit Act 1974 (no. 008075).

19 Close Brothers Limited is a member of the Financial Services Compensation Scheme ("FSCS"). The Scheme can pay compensation to customers if a regulated firm is unable to pay claims against it, usually if the firm stops trading or is insolvent. Compensation limits apply depending on the type of claim.

20 FSCS can be contacted by telephone on 020 7892 7300 or by writing to FSCS, 7th Floor, Lloyds Chambers, 1 Portsoken Street, London, E1 8BN.

21 If you are not satisfied with the products or services offered by Close Payment Services and need to raise a complaint you can do so by writing to us at Close Payment Services, 21st Floor, Tolworth Tower, Tolworth, Surrey, KT6 7EL, alternatively you can call us on 0870 990 7967 or fax 0870 243 0029. Close Payment Services adheres to the Financial Services Authority Complaints Procedure. As such we will acknowledge all complaints within 5 business days of receipt. We will then issue a full response within 2 weeks, where we can not issue a full response we will issue a holding letter as acknowledgment that your complaint is being investigated. This will be followed through with a full response letter within 4 weeks.

If you are still not satisfied after following Close Payment Services procedures, you can contact The Financial Ombudsman Service and ask the Ombudsman to review the complaint. You can write to them at: Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR or telephone 020 7964 1000.



General information

Enforceability
22 In the event that any provision of these terms and conditions of use of this website is held unenforceable, it will not affect the validity and enforceability of the remaining provisions.

Governing law
23 The terms and conditions of use of this website are governed by the laws of England and any dispute regarding this website shall be subject to the exclusive jurisdiction of the courts of England and Wales.



Disability discrimination act

24 We are committed to eliminate on the grounds of disability any discrimination in the work place and making all reasonable and practical adjustments to meet the needs of staff, prospective staff, customers and prospective customers equally.

Our HIP Funding Agreement froms can be provided on Audio and in Braille. To request these or to seek assistance on any other matters pertaining to the Disability Discrimination Act please contact our Marketing Department at marketing@closepf.com or 020 8786 2401.

 

 
 
 
Use of this website
Exclusion of liability
Personal data
Copyright
Advice
Changes to this website
Telephone calls
Internet communications
Regulatory information
General information
Disability discrimination act
 
       
 
© Copyright 2006, Close Payment Services / Legal Information