TERMS and CONDITIONS OF MEMBERSHIP

THIS PAGE SETS OUT THE ENROLMENT TERMS AND CONDITIONS UNDER WHICH WE SUPPLY SERVICES TO MEMBERS OF THE MEMBERSHIP SCHEME.

You should read these terms and conditions carefully

The terms 'We', 'Our', 'Us', in these terms and conditions refer to PowerMoney , the provider of the Membership only.

1. Members

1.1 If you enrol in the Membership you will become a 'Member'.

1.2 A Member must reside in the United Kingdom.

1.3 Any information supplied to 'Us' by a person becoming a Member will be relied upon by 'Us' as true and accurate and upon which we are entitled to rely.

2. Members Benefits

2.1 Members are entitled to access benefits on certain products and services offered by third parties. Benefits are set out on the Scheme website.

2.2 Any products or services purchased must be purchased directly from the product or service providers. We do not supply, offer or charge for products or services (other than the Membership service which provides access to the portal.)

Credit Reporting Services

2.3 Members are entitled to access the credit service supplied by Quickcreditscore.co.uk provided that:

2.3.1 the Member accepts the Credit Service Provider's own user agreement before first use of the Credit Reporting Service and that user agreement forms a contract between the Member and the Credit Service Provider;

2.3.2 the Credit Service Provider is able to properly validate the identity and address details of the Member, which validation is at the absolute sole discretion of the Credit Service Provider;

2.3.3 the Credit Service Provider accepts the Member as a person eligible to receive the Credit Reporting Service, which is at the absolute and sole discretion of the Credit Service Provider;

2.3.4 the Member must register on the Credit Service Provider's website; and

2.3.5 comply at all times with the Credit Service Provider's own user agreement. Breach of the Credit Service Provider's own user agreement may terminate entitlement to receive the Credit Reporting Service.

2.4 Members should note that the terms of the Credit Service Provider's own user agreement may allow the Credit Service Provider to suspend or terminate the Credit Reporting Service under the circumstances listed in the Credit Service Provider's own user agreement.

2.5 Any financial or other product provider's details We provide through Your membership decides whether to approve any loan or finance applications, how much to lend or finance, at what interest rate, on which terms and on what evidence of ability to repay. Where We give examples they are only illustrations. We do not warrant that examples are the actual rates and amounts as lenders decide whether to give approval for any loan and on what terms according to Your specific circumstances and can vary them at their own will. Neither the information, nor any opinion contained in Our Website constitutes an offer to sell or solicitation or an offer to buy any financial instruments or any advice or recommendation with respect to such financial instruments. You agree that We may retain any fee from any third party made to Us in the provision of the Services.

3. Acceptance of the Terms and Conditions

3.1 You, as a Member, or proposed Member, indicate acceptance of these Terms and Conditions of Membership and Agreement to pay the relevant charges by clicking the box next to the terms and conditions on the Membership payment page or by otherwise using the Membership website. Once this button is clicked there is a legally binding contract between the Member and 'Us' in the terms and conditions of this Agreement.

3.2 Membership starts from the time we notify you of your Log-in details.

3.3 Membership lasts for a period of 30 days from inception or until cancelled as detailed in paragraph 7, whichever is the sooner.

4. Terms of membership

4.1 Membership is personal to the person accepting these terms.

4.2 Membership is non-transferable.

4.3 Membership cannot be used by persons other than the Member.

4.4 You shall ensure that no other persons have access to your Member details.

4.5 Other persons in the same household are not entitled to access the Membership, the Benefits or the Credit Reporting Service using the identity of the Member and the Member shall assume responsibility for this.

4.6 Benefits from, access to, and information from, the Credit Reporting Service are not for resale.

4.7 A Member must promptly notify us on becoming aware of any unauthorised use, loss or theft of the Membership number.

5. Membership Fees

5.1 A one off Joining fee of currently no more than £69.95, is payable in all cases. On submission of your membership application you will be automatically charged by a direct charge to the debit/credit card you provided and authorised on application.

6. Termination or Cancellation of Membership

6.1 A Member may terminate or cancel their membership within 14 days of inception by:

6.1.1 Requesting cancellation in writing to the following address: PowerMoney, 1 Liverpool Street, London, EC2M 7QD

6.2 We reserve the right to terminate or cancel this Agreement at any time.

6.3 Entitlement to access, make use of or benefit from, the Membership including the Credit Reporting Service shall cease.

6.4 With regard to payments set up by Credit or Debit Card, if Your payment declines we will attempt to take the payment from the card until we are notified that You wish us to cancel such attempts. Written confirmation may be required.

7. Obligations

7.1 We will at all times carry out our obligations under this Agreement with reasonable care and skill.

7.2 The Benefits and the Credit Reporting Service have been designed for Members in the United Kingdom only.

7.3 We are constantly seeking new benefits for Members from providers. Accordingly, the Benefits and the particular services offered within the Credit Reporting Service are continually changing and we do not and cannot represent or warrant that any particular Benefits or elements of the Credit Reporting Service will be available at any particular time. We reserve the right to eliminate, add, change and substitute Benefits and/or elements of the Credit Reporting Service from time to time without notice to any or all Members.

7.4 A Member agrees that we are not responsible or liable for any Benefits provided by providers or for the Credit Reporting Service provided by the Credit Service Provider and, if a Member has any claims relating:

7.4.1 to Benefits, the Member will make a claim against the relevant provider providing (or purporting to provide) the relevant Benefit; and

7.4.2 to the Credit Reporting Service, the Member will make a claim against the Credit Service Provider providing (or purporting to provide) the relevant Credit Reporting Service.

7.5 Please note that any special offer offered by a provider through whom you may have enrolled as a Member is the responsibility of that provider, not 'Us'.

7.6 Other than as expressly set out in these Terms and Conditions of Membership, we make and give no conditions, warranties or other terms, express or implied (including the conditions or warranties as to satisfactory quality, fitness for purpose) with respect to any Benefits, to the Credit Reporting Service or in respect of any information provided to a Member.

7.7 We assume no responsibility for the payment of or contribution to any use or sales tax on the Benefits (or the Credit Reporting Service) which may be imposed by taxing authorities, and such taxes, to the extent imposed, shall remain a Member's sole responsibility or that of the provider of the Benefits or the Credit Reporting Service, as the case may be.

8. Liability

8.1 This paragraph prevails over all other paragraphs and sets forth our Liability, and your sole and exclusive remedies in respect of:

a) the performance, non-performance, purported performance or delay in performance of the contract between 'Us' and the Member; or

b) otherwise in relation to the contract between us and the Member or the entering into or performance of the contract between us and the Member; or

c) a Member's use of or participation in the Scheme or any Benefits or the Credit Reporting Service.

8.2 We do not exclude or limit our Liability for things we are not allowed to by law.

8.3 We do not accept and we exclude any Liability for Breach of Duty other than any such liability arising under the terms of the contract between the Member and us or under these terms and conditions.

8.4 We shall have no Liability for: i) loss of revenue; ii) loss of actual or anticipated profits; iii) loss of contracts; iv) loss of the use of money; v) loss of anticipated savings; vi) loss of business; vii) loss of opportunity; viii) loss of goodwill; ix) loss of reputation; x) loss of, damage to or corruption of data; or xi) any indirect or consequential loss; and such Liability is excluded whether it is foreseeable, known, foreseen or otherwise. For the avoidance of doubt, sections (i) to (x) inclusive of the foregoing paragraph are excluded whether such losses are direct, indirect, consequential or otherwise.

8.5 In this paragraph, "Breach of Duty" means the breach of any; (i) obligation arising from the express or implied terms of a contract to take reasonable care or exercise reasonable skill in the performance of the contract or (ii) common law duty to take reasonable care or exercise reasonable skill and "Liability" means liability in or for breach of contract, Breach of Duty, misrepresentation, restitution or any other cause of action whatsoever relating to or arising under or in connection with the contract between Member and us (or the use of the Scheme website), including, without limitation, liability expressly provided for or arising by reason of the invalidity or unenforceability of any provision of these terms and conditions or the contract between the Member and us (and for the purposes of this definition, all references to the "contract between the Member and us" shall be deemed to include any collateral contract).

9. Personal Data & Privacy Policy

9.1 We have taken all steps to ensure security of Your private information and to prevent unauthorised access to ensure only the appropriate use of information, and maintain the accuracy of Your data by putting in place all the appropriate physical, electronic and management protocol to safeguard the information We collect. As the Internet is not a secure medium of communication, we cannot guarantee the security of any information You input on this Website or send to Us via the Internet. We are not, and will not be, responsible for any damages You or others may suffer as a result of the loss of confidentiality of any such information.

9.2 Messages sent over the Internet cannot be guaranteed to be completely secure as they are subject to possible interception or loss or possible alteration. We are not responsible for any message lost, intercepted or altered by third parties and 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 any message sent by Us to You via any means.

10. Trade Marks, logos and names

10.1 We are the operator of the Membership and responsible for the production of the Membership website. All trade marks, product or service names and company names or logos on that website and on hard copy Membership materials are the property of their respective owners. We do not give permission in respect of the use of any such trade marks, brand names, product or service names or titles or copyrights and such use may constitute an infringement of the owners' rights.

11. Unenforceability

11.1 If any part of these Membership Terms and Conditions or the contract between the Member and us is unenforceable (including any provision in which we exclude or limit our liability) the enforceability of any other part will not be affected.

12. Agreement

12.1 These Membership Terms and Conditions, together with our Privacy Policy, set out the whole of our Agreement relating to the Membership. Nothing said by any sales person on our behalf should be understood as a variation of these Membership Terms and Conditions or as an authorised representation about the nature or quality of the Membership. We shall have no liability for any representation being untrue or misleading.

12.2 We make no representations or warranties about the accuracy, completeness or suitability for any purpose of the information, products, services and related graphics published on the website or in other hard copy materials.

13. Waivers

13.1 Any failure by us to enforce or to exercise at any time or for any period of time any term of, or any right under, this Agreement does not constitute, and shall not be construed as, a waiver of that term or right and shall in no way affect our right later to enforce or to exercise it.

14. Web Links

14.1 The provision by of a link to another Website does not constitute any authorisation to the user to access material held at that location, nor is it evidence of any endorsement by us of the material held there, or an endorsement of us by the third party host site or linked third party. We accept no responsibility or liability for the privacy of Your personal information on such Websites, as these are beyond Our control. We will accept no responsibility or liability in respect of any materials on any Website that is not under our control.

14.2 This Website has been extensively tested and should work properly at all times. However, if You experience a problem at any time, please return to the homepage and try again. If the problem persists You can contact Us by following the link on the 'Contact Us' page.

15. How to contact 'Us'

15.1 PowerMoney, 1 Liverpool Street, London, EC2M 7QD

15.2 We will attend to all Customer Service requests within a maximum of 48 hours

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