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Website Terms and Conditions of Use


Alternative Payments Limited (“Alternative Payments”) has its own specific sets of terms and conditions which govern its relationships with Participating Merchants and Voucher Holders respectively. The term “Participating Merchant” where used in this document means a Participating Merchant within the meaning of Alternative Payments’ Participating Merchant Agreement; the term “Voucher Holder” where used in this document means a Voucher Holder within the meaning of Alternative Payments’ Credit Voucher Terms of Sale.

The terms and conditions contained in this document are the terms and conditions under which Alternative Payments’ website (incorporating the CreditVouchers.com platform) (this website) may be used by users of, and visitors to, the website including, among others, Participating Merchants and Voucher Holders. To the extent to which a party is a Participating Merchant or Voucher Holder or has some other contractual relationship with Alternative Payments, the terms and conditions of this document shall supplement any other terms applicable to that relationship.


Information and Accuracy

While Alternative Payments attempts to convey accurate and current information about this website, the information provided may contain typographical or technical errors. All information is provided “as is” with no guarantee of completeness, accuracy, or the result obtained from the use of this information, and with warranty of any kind, expressed or implied. Users are advised to confirm the accuracy of any information presented on this website before trusting it in any way.


Products and services

Alternative Payments products and services may be changed or updated without prior notice.


Liability

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 in any jurisdiction where we provide our services. If you use this website from other jurisdictions, you are responsible for compliance with applicable local laws.

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;
  • 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.

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 or by either authorised or unauthorised third parties.

To provide increased value to users of this website, we may provide links to other websites or resources (that are not part of Alternative Payments) 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 do not review or endorse and shall not be responsible or liable, directly or indirectly, for

  • the privacy practices of such websites
  • the content of such websites, including (without limitation) any advertising, content, products, goods or other materials or services
  • 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.

E-mail and attachments

The e-mail and attachments that we send contain confidential information addressed to a specific recipient(s), which is private and protected by law. If you are not an addressee, any disclosure, copying, distribution or use is strictly prohibited and you are requested to advise us immediately of the information you have received.

We take reasonable precautions to ensure our e-mails are virus free. Automatic scanning of all inbound and outbound e-mail is employed to prevent any infected e-mails crossing our Virus Scan Gateway. However, we cannot accept responsibility for any virus transmitted by us and recommend that you subject our e-mails to your own virus checking procedures.


Complaints & Disputes

In the event of a dispute between the parties concerning an agreement each of the parties shall in the first instance, bring the dispute at the earliest opportunity to the attention of a Director or similar officer.


Rejection of an application or other type of business

Alternative Payments has the right to refuse the business of any potential or current customers for moral, ethical or any other reason(s). Even if the information they have supplied is true and complete. We retain this right if we feel that the customer and/or the formation they have supplied is not what it appears. All rejections are sent via e-mail once an assessment has been completed.


Declaration

During our assessment of any application by a party to become a Participating Merchant, we may use the services of credit reference agencies to confirm your home address and calculate your personal credit score.

Information held by the credit reference agencies is used by us and others to help verify the identity of existing and potential customers and to assess their ability to meet financial commitments. This enables accounts to be opened more quickly and reduces the need to obtain third-party references.

To enable us to form an accurate view of the existing financial commitments of existing and potential customers, credit reference agencies may link the records of “financial associates” (such as spouses, family members, or co-habitees) who have entered into joint financial obligations. Once linked, this association means that each of the records will be taken into account in all future applications for credit by either financial associate and will continue until one of them successfully files a “disassociation” with the credit reference agencies by establishing that this financial link no longer exists. Information held about you by the credit reference agencies may already be linked to records relating to one or more of your “financial associates”. If so, for the purposes of any application to us for services you may be treated as financially linked and if so your application will be assessed with reference to any associated records. Further details about “financial association”, “disassociation”, and credit reference agencies are available by contacting the credit reference agencies directly.

We may make periodic searches of our records, credit reference agencies, and fraud prevention agencies to manage your account, and to take decisions regarding your account and the terms under which we have opened it, including whether or not to confirm or extend your account.

You have the right of access to your personal records held by credit reference and fraud prevention agencies. We will supply the names and addresses of the agencies we use upon request.

By submitting the application documents you confirm that you have read the foregoing and agree to us obtaining the aforementioned information during our assessment of your application for payment processing services.


Reporting illegal or offensive content

Alternative Payments reserves the right, but does not bear the responsibility, to prohibit, delete or report any conduct, communication or content which we in its sole discretion determines to be unlawful, potentially harmful to others or may expose Alternative Payments to harm or liability. By content, we mean the text, software, communications, images, sounds and other information provided online, hosted or transmitted in connection with or as a result of the services provided to you. You agree that all claims, disputes or wrongdoing, which result from, or which are related in any way to, the content of information that you transmit, re-transmit, host or receive through the services are your sole and exclusive responsibility.

As part of the application process and during the entire time you use our services, we monitor the conduct of our merchants and customers and any content distributed, hosted or posted through our services. You may not transmit, distribute, host or store material, or participate in any conduct that may violate any applicable Isle of Man, foreign or international local, state, federal or national law or regulation. This includes, without limitation:

  • any unauthorised use of material protected by patent, copyright, trademark or other intellectual property right;
  • material that is defamatory, obscene, constitutes an illegal threat or harassment, violates export control laws, or is used to commit fraud or any other activity that is prohibited by criminal or civil law;
  • material that exploits children under the age of 18;
  • material that provides, sells or offers to sell the following: controlled substances, illegal drugs and drug contraband, alcohol, weapons, pirated materials, programs to attack others, illegal goods or services, instructions on making, assembling or obtaining illegal goods or weapons, information used to break, copyright, violate the trademark of or to destroy others’ property or information used to illegally harm any people or animals;
  • material that takes part in, or allows any third party to take part in, the following: reverse engineering, reverse compiling or otherwise deriving the underlying source code, structure or sequence of the technology, altering copyright notices and attributes (unless you have written permission by the legal owner); or material or conduct which we believe to be unlawful, offensive or harmful.

Any merchants, including any applications we receive, that violate the above may be reported to the relevant governing bodies.


Releasing information to prevent or detect crime (section 25) Data Protection Act

Please be aware that there is an exemption in the Data Protection Act 2002 that allows us to give out personal information for the purposes of fighting and preventing crime.


General

We will do our best to resolve any disputes about these terms and conditions by negotiation with you. If you wish to bring a legal claim against us, you must do so within the Isle of Man, and the courts of the Isle of Man shall have the exclusive jurisdiction for such claim. These terms and conditions shall be governed by and construed in accordance with the laws of the Isle of Man.


Contact

For any queries relating to these Website Terms and Conditions please e-mail us at compliance@creditvouchers.com. For other ways to get in touch, please see our website at www.CreditVouchers.com.

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