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Terms and Conditions

Updated 05/12/2018

1. Definitions

1.1. Any reference to ‘Paycare’, ‘we’, ‘our’ or ‘us’ means ‘Paycare’.

1.2. Any reference to the ‘User’, ‘you’ or ‘your’ means the person (including a private individual or corporate entity) who is a specified as the user of the site.

1.3. Any reference to the ‘User ID’ means the user identification provided by us to you to enable you to access the website.

1.4. Any reference to the ‘Information’ means any and all information, available to you, contained on the website.

1.5. Any reference to the ‘Password’ means the single use password provided by Paycare, or any subsequent password chosen by you to enable you to access the website.

1.6. Any reference to the ‘Services’ means the provision of online services including but not limited to access to the Information and any business activities which are conducted electronically, by Paycare.

1.7. Any reference to “Paycare Online” means the online service of Paycare.

2. Residence / Eligibility

2.1. These pages are issued in the United Kingdom (UK) and are intended for the information/use of residents in the UK, in relation to UK products or customers who were resident in the UK when they took out their UK products.

2.2. Paycare does not make any warranties, express or implied; that the Information and the Services or the availability of the same in any particular jurisdiction outside the UK is compliant with applicable local laws or regulations or that the Information can be legitimately used outside the UK.

2.3. You (the User) must satisfy yourself, before using the Services, that you are lawfully entitled to receive the Information and use the Services. Paycare accepts no liability for any costs, losses or damages resulting from or related to the availability of the Information and use of the Services in respect of persons in jurisdictions outside the UK or to persons who are nominees or trustees for citizens, residents or nationals of other countries.

2.4. Neither the Services nor the Information or any part thereof shall be deemed to constitute an offer or solicitation to sell investments in any jurisdiction.

2.5. Paycare reserves the right to refuse any application for the Services without disclosing any reason.

3. Registration / Security Precautions / Operating Rules

3.1. In order to obtain access to all of the services on this website you must register with us. You can register by completing the Paycare Online registration form which will be delivered to Paycare electronically using a secure link.

3.2. Your Password must be between five and fifteen characters long and should not be obvious. You must memorise your login details and must not disclose them to anyone, including a member of Paycare staff. A member of Paycare staff should never ask you to disclose your Password to them. You should not record your Password in such a way that it can be identified with any of your Paycare products or can be understood by anyone else. You should not store your Password on your computer or ask your computer to remember it automatically.

3.3. If you believe that someone else knows your Password, you must change it. You can do this yourself using the online facility. If you fail to do so, we will not be responsible for any person having access to your Information or loss suffered by you.

3.4. Some companies may offer to collect and manage financial account information for you and then display this information in one place such as a single web page, and/or carry out transactions on your behalf using your Email and Password. These services are sometimes known as aggregation services. The company offering such aggregation services may ask you to disclose to them your Email and Password and may ask you to appoint them as your agent for the purposes of providing the aggregation services using your Email and Password.
You must not disclose your Email and Password for Paycare Online to a provider of aggregation services and/or, appoint a third party as your agent to access Paycare Online using your Email and Password.

Paycare has no control over such aggregation services and cannot ensure the accuracy of data displayed or instructions transferred to us by such aggregation services. We cannot ensure the security of data or Email and Password held by the aggregation service.


3.5. You must not access or attempt to access any information other than the information relating to you as a User. It is an offence under section 55 of the Data Protection Act 1998 to access any information by means of the Services other than information relating to you as a User. If we have reason to believe that an attempt has been made to access any information through the Services in breach of Section 55, we may revoke your access in terms of Clause 4.3 below. We may also report our suspicions to the Information Commissioner (the supervisory authority which enforces and oversees the Data Protection Act 1998) and/or the police.

3.6. You must logout of these pages or the site you have accessed and close your web browser when you have finished using the Services. If you do not do this, Information about you may appear on the screen of the computer when it is next used and we cannot be held responsible for any person having access to this Information.

3.7. Promotional Services: The “Recommend a Friend” and “Recommend a Colleague” offers do not apply to company contacts or company paid groups and cannot be combined with any other promotional offer. Vouchers will be issued once the first month’s premium has been received from the recommended friend or colleague.

4. Availability of the Services

4.1. Paycare reserves the right to change the content, presentation, performance, User facilities and availability of any part of the Information and the way in which the Services are provided at any time at our sole discretion and without prior notice.

4.2. We make no warranty or representation that the Services can be accessed at all times during the hours of business stated on the website. The Services may be temporarily unavailable or restricted for administrative or other reasons. We will not be liable for any loss or damage arising out of or in connection with the loss of use of the Services.

4.3. Without prejudice to the foregoing, we reserve the right to revoke your access to the Information without notice if:

4.3.1. We suspect that an unauthorised person is attempting to access the Information, or

4.3.2. For valid operational reasons, we believe it is necessary to do so.

5. Instructions

5.1. When you key in your Policy Number and Password, you are authorising us to carry out all your instructions. You must ensure that all instructions are accurate, as these will be binding.

5.2. If you have not completed your instructions in relation to your transaction and have not received final confirmation of your transaction, your instructions will not be received by us.

6.1. Any software is downloaded at your own risk. Paycare does not warrant the suitability of any such software that is downloaded and accepts no liability for any problems with your computer that may arise as a result. If you are in any doubt as to the suitability of software to be downloaded for your computer, it is recommended that you obtain specialist advice before downloading.

7. Changes to these Terms and Conditions

7.1. We reserve the right to change these terms and conditions without prior notice. We also reserve the right to change access requirements without prior notice where this change reflects best recommended practice.

8. E-mail

8.1. Please note that there is no guarantee that any e-mail sent will be received, or that the contents of any such e-mail will remain private or unaltered during internet transmission. If you have any such concerns, you may prefer to use the telephone, or write instead. We accept no liability for any damages you or others may suffer as a result of the alteration or loss of confidentiality of any such information.

8.2. We reserve the right to monitor the use and content of e-mails which are sent from, and received by, us for the purposes of ensuring compliance with our own e-mail policy, and identifying and taking action against unlawful or improper use of our systems, including, but not limited to, spoofing, the transmission of computer viruses and a denial of service attack.

9. Use of Personal Data

9.1. Information provided to us will be used by us to process your application, verify your identity and set up security procedures to enable you to access your Information and use the Services. We will only use cookies for session management purposes to validate the user and control timeout activity. We will not disclose information about you to any third party without your prior consent, unless we believe it is lawful to do so. We may appoint a third party to process personal information on our behalf. Where this is necessary, we will put in place safeguards such as contract terms to protect your confidentiality.

9.2. You can find a list of our purposes for which we hold personal information and a description of the general categories of parties to whom we may disclose it in the Privacy Notice.

9.3. You have the right under the Data Protection Act 1998 to request a copy of the personal data which we hold about you. We reserve the right to charge an administration fee to provide this data under the Data Protection Act 1998.

10. Termination

10.1. Paycare may revoke the User’s internet registration without notice if:

10.1.1. The User is in breach of any of these terms and conditions, or

10.1.2. The User is, in the reasonable opinion of Paycare, in breach of any generally accepted guidelines on internet usage and etiquette (including, but without prejudice to the foregoing generality, restrictions on pirating or copying software or attempts to violate security).

11. Waiver

11.1. If either party fails to exercise any right or remedy under these terms and conditions, this shall not prevent them from doing so at any time in the future.

12. Notices

12.1. All notices which are required to be given shall be in writing and shall be sent to the address of the recipient set out in the registration form or such other address as the recipient may designate by notice given in accordance with the provisions of this Clause.

12.2. Any such notice shall be delivered personally or by first class post or facsimile transmission and shall be deemed to have been served, if by hand, when delivered, if by first class post, 48 hours after posting and, if by facsimile transmission, at the time the transmission is electronically confirmed.

13. General Disclaimers

13.1. While we have taken all reasonable care to ensure that the Information contained within the pages of the website being registered for is accurate, current and complies with relevant UK legislation and regulations as at the date of issue, errors or omissions may occur due to circumstances outside our control.

This site and these conditions are governed by English law. Any disputes arising from this site shall be resolved by the English courts, unless you can show you accessed the site from Scotland in which case the Scottish courts may be used.

Paycare is a not for profit company limited by guarantee. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority.

Company Registration Number 820791.

Paycare House, George Street, Wolverhampton WV2 4DX.

Tel: 01902 371000.