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Terms & Conditions



Who are we?

This Site is owned and operated by PayTech Umbrella Limited, a limited company registered in England under company number 15211075 whose registered address is The Long Barn, Down Farm, Cobham Park Road, Cobham, Surrey, United Kingdom, KT11 3NE.

Our director is Matthew Brittain who can be contacted by email at, by telephone on 01932 544 134, or by post at the address set out above.


The provisions of the current and in effect Terms and Conditions shall prevail over any and all previous versions unless it is expressly stated otherwise by us in writing.

What do these Terms and Conditions do?

These Terms and Conditions and any other documents referred to in them, together set out the terms of (“we/us/our”) and you and govern your use of this site, (“This Site”).

When do they apply?

These Terms and Conditions apply when you use This Site and your agreement to comply with these Terms and Conditions is indicated by your use of This Site. If you do not agree to these Terms and Conditions, you must stop using This Site immediately.

Access to Our Site

Access to This Site is free of charge and is provided on an “as is” and an “as available” basis and any part of or all of which we may, at any time, discontinue or suspend. It is your responsibility to make necessary arrangements to access This Site and we do not guarantee that access to it will always be available or continuous.

Will there be any changes made to these Terms and Conditions?

This Site, or any part of it, may, at any time, be updated and modified. We may also, at any time, alter these Terms and Conditions. As your use of This Site indicates your acceptance of these Terms and Conditions, any changes made will apply to your use of This Site when you use it after alterations have been put into operation. In the event of a conflict between the current and any previous version of these Terms and Conditions, unless otherwise specifically stated in writing otherwise, the current version of these Terms and Conditions shall prevail.


Do these Terms and Conditions apply to all users?

This Site is intended for users in the UK only and we do not warrant or represent that This Site or any and all text, images, audio, video, scripts, code, software, databases, and any other form of information capable of being stored on a computer that appears on, or forms part of, This Site (“Content”) are available in or suitable for use in locations outside of the UK.

How are you able to use This Site and the Content of it?

Unless otherwise stated in writing by us, all intellectual property rights (including in the UK and international laws and treaties), in these Terms and Conditions and any Content included on This Site belongs to us or has been licensed by us. You are permitted to access, view and use This Site using any web browsing capability, to download all or any part of it for caching purposes for personal use. You may also print one copy of an extract of any page from it for personal use only. You are not permitted to modify any copy taken or to download extracts or to use separately from accompanying text, or any Content downloaded from This Site. Our status as owner and author of the Content of This Site must be acknowledged, always. You are not permitted to use any Content from This Site for commercial purposes unless you are licensed to do so, in advance, by us.

Can you link to This Site?

You are not permitted to link to any page of This Site, embed This Site on another website and/or use any logos or trademarks displayed on This Site, without our express, prior, written permission. Any links to This Site must not attempt to damage, actually damage or take advantage of our reputation and must be fair and lawful.

Where there is none, you must not link to This Site in any way that suggests any association with us or any endorsement or approval from us.

Do we link to other websites?

We may include links to other websites on This Site and if we do, the link is for information purposes only and should not be taken as an endorsement of any kind of that website or any party involved with to it. Unless expressly stated, we do not control such websites and accept no responsibility for the content of them.

What don’t we do?

We make reasonable efforts to ensure that the Content on This Site is complete, accurate, and up to date, but make no warranties, representations, or guarantees (express or implied) that this will always be the case. Nothing on This Site constitutes professional advice on which you should rely. This Site is provided for general information purposes only.

We exclude all implied representations, warranties, conditions, and other terms that may apply to This Site and Content if you are a business user.

What is our liability?

In relation to fraud or fraudulent misrepresentation, death or personal injury resulting from negligence, or for any other forms of liability which cannot be lawfully excluded or restricted, nothing in these Terms and Conditions shall exclude or restrict our liability.

To the fullest extent permissible by law, if you are using This Site in the course of business or for commercial purposes, we do not accept any liability for any loss or damage, in contract, tort (including negligence), for breach of statutory duty, or otherwise, arising out of or in connection with the use of (or inability to use) This Site or the use of or reliance upon any Content included on This Site and we accept no liability for loss of profit, sales, business, or revenue; loss of business opportunity, goodwill, or reputation; loss of anticipated savings; business interruption; or for any indirect or consequential loss or damage. If you are a consumer, you agree that we shall have no liability to you for any business losses as set out above.

If digital content from This Site damages other digital content or a device belonging to you and you are a consumer, where our failure to use reasonable skill and care causes that damage, we will either repair the damage or compensate you. In the event that the damage caused could have been avoided by following our advice or instructions to install a free patch or update, it resulted from your failure to follow instructions or the minimum system requirements provided by us for the relevant digital content were not met, the right to compensation will be lost.

How do we deal with viruses, malware, and security?

To protect This Site, we exercise reasonable skill and care to ensure that it is secure and free from viruses and malware. However, we cannot and do not guarantee that this is the case. As a result, the protection, of your hardware, software, data, and other material from viruses, malware, and other internet security risks is your responsibility.

You must not deliberately introduce viruses or other malware, or any other material which is malicious or technologically harmful either to or via This Site or attempt to gain unauthorised access to any part of it, the server on which it is stored, or any other server, computer, or database connected to This Site.

You must not attack This Site by means of a denial of service attack, a distributed denial of service attack, or by any other means. Any breach of these provisions will result in your right to use This Site ceasing immediately and may result in you committing a criminal offence and will be reported to law enforcement authorities and your identity revealed to them.

How should you use This Site?

We require you to only use This Site in a lawful manner complying with all laws and regulations that apply and not for any unlawful or fraudulent purpose.

This Site must not be used by you to knowingly send, upload, or in any other way transmit data that contains any form of virus, malware or code designed to adversely affect computer hardware, software, or data of any kind.

If you fail to comply with these requirements, you will be in breach of these Terms and Conditions and we may take any lawful action against you that we deem reasonable which may include, but is not limited to, a written warning, legal proceedings and/or disclosure of information to law enforcement agencies.

We exclude any and all liability arising out of any actions that we may take in response to your breach.

How will we use your personal information?

We will use your personal information in accordance with our Website Privacy Policy and our Cookie Policy.

How will we communicate with you?

From time to time, if we have your email address, we may send you notices by email detailing such things as changes to This Site or these Terms and Conditions. You will only receive marketing emails if you have provided your consent to receive them and you may opt-out at any time as all marketing emails will include a link to do so. Please note that you may continue to receive marketing emails in the period it takes for your withdrawal of consent to take effect which could be up to a period of two working days from the date of withdrawal.

You can contact us using the details in the ‘Who are we?’ section above if you have any questions or complaints regarding our communication with you.

What law and jurisdiction governs these Terms and Conditions?

These Terms and Conditions, and our relationship, contractual or otherwise, shall be governed by, and construed in accordance with, English law.

If you are a consumer, nothing takes away from or reduces your legal rights as a consumer and any dispute, controversy, proceedings, or claim between you and us relating to these Terms and Conditions or to our relationship, contractual or otherwise, shall be subject to the jurisdiction of the courts of England, Wales, Scotland, or Northern Ireland, as determined by your residency.

If you are a business user, any dispute, controversy,  proceedings, or claim between you and us relating to these Terms and Conditions or our relationship, contractual or otherwise, shall be subject to the exclusive jurisdiction of the courts of England and Wales.

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