EPL Web Solutions Ltd are committed to Responsible lending
We recognize the importance of protecting your privacy and our policy is designed
to assist you in understanding how we collect, use and safeguard the personal information
you provide to us and to assist you in making informed decisions when using our
site. This policy will be continuously assessed against new technologies, business
practices and our customers' needs.
Fraud Prevention: If false or inaccurate information is provided,
including in relation to a person’s identity and fraud is identified, details
about this information, including customer Personal Data, will be passed to fraud
prevention agencies. Law enforcement agencies may access and use this information.
We and other organisations may also access and use this information to prevent fraud
and money laundering, for example when: checking details on applications for credit
and credit related and other facilities; managing credit and credit related accounts
or other facilities; recovering debt; checking details on proposals and claims for
all types of insurance; and checking details of job applicants and employees. For
further details of the relevant fraud prevention agencies please contact us as described
What Information Do We Collect?
When you visit this web site you may provide us with two types of information: personal
information you knowingly choose to disclose that is collected on an individual
basis and Web site use information collected on an aggregate basis as you and others
browse our Web site.
1. Personal Information You Choose to Provide
2. Registration Information
When you register for any of our products, services or newsletters you will provide
us information about yourself.
3. Email Information
If you choose to correspond with us through email, we may retain the content of
your email messages together with your email address and our responses. We provide
the same protections for these electronic communications that we employ in the maintenance
of information received by mail and telephone.
4. Web Site Use Information
Similar to other commercial Web sites, our Web site utilizes a standard technology
called "cookies" (see explanation below, "What Are Cookies?") and web server log
files to collect information about how our Web site is used. Information gathered
through cookies and Web server logs may include the date and time of visits, the
pages viewed, time spent at our Web site, and the Web sites visited just before
and just after our Web site
How Do We Use the Information That You Provide to Us?
Broadly speaking, we use personal information for purposes of administering our
business activities, providing the products and services you requested, to process
your payment, , to monitor the use of the service, our marketing and promotional
efforts and improve our content and service offerings, and customize our site's
content, layout, services and for other lawful purposes. These uses improve our
site and better tailor it to meet your needs.
Furthermore, such information may be shared with others on an aggregate basis.
Personally identifiable information or business information may be passed to
third party lenders as part of the application process and may be used to carry
out credit and fraud prevention checks with Credit Reference Agencies. It will
not be shared with any other parties, except as required by law.
Occasionally, we may also use the information we collect
to notify you about important changes to our Website, new services, and special
offers we think you will find valuable. You may notify us at any time if you do
not wish to receive these offers by emailing us at the link provided on the newsletter.
Sharing and Selling Information
We do not share, sell, lend or lease any of the personal or financial information
that you choose to provide us (such as personal details or bank information) with
anyone except to the extent it is necessary to process transactions or provide services
that you have requested. We may use statistical and email information for making
lending decisions and servicing our relationship with you, for the purposes of fraud
prevention and debt collection, to understand your financial needs, to conduct our
business and to provide you with better customer services and products from both
EPL Web Solutions Ltd and those of selected third parties, to evaluate the effectiveness
of our marketing of the Website and for statistical analysis.
How Can You Access and Correct Your Information?
You may request access to all your personally identifiable information that we collect
online and maintain in our database by emailing us at the usual address.
What About Legally Compelled Disclosure of Information?
We may disclose information when legally compelled to do so, in other words, when
we, in good faith, believe that the law requires it or for the protection of our
legal rights. We may also disclose account information when we have reason to believe
that disclosing this information is necessary to identify, contact or bring legal
action against someone who may be violating our Terms of Service or to protect the
safety of our users and the Public.
What About Other Web Sites Linked to Our Web Site?
We are not responsible for the practices employed by Web sites linked to or from
our Web site or the information or content contained therein. Often links to other
Web sites are provided solely as pointers to information on topics that may be useful
to the users of our Web site. Please remember that when you use a link to go from
browsing and interaction on any other web site, including web sites, which have
a link on our Website, is subject to that Web site's own rules and policies. Please
read over those rules and policies before proceeding.
By using our Web site you consent to our collection and use of your personal information
policy at any time with or without notice.
Our Commitment to Data Security
Please note that your information will be stored and processed on our computers
in the United States. The laws on holding personal data in the United States may
be less stringent than the laws of your Country of residence or citizenship. To
prevent unauthorized access, maintain data accuracy, and ensure the correct use
of information, we have put in place appropriate physical, electronic, and managerial
procedures to safeguard and secure the information we collect online.
This site allows visitors to unsubscribe so that they will not receive future messages.
After unsubscribing we will discontinue sending the particular messages as soon
as technically feasible.
Surveys & Contests
From time-to-time our site requests information from users via surveys or contests.
Participation in these surveys or contests is completely voluntary and the user
therefore has a choice whether or not to disclose this information. Information
requested may include contact information (such as name and shipping address), and
demographic information (such as zip code, age level). Contact information will
be used to notify the winners and award prizes. Survey information will be used
for purposes of monitoring or improving the use and satisfaction of this site.
A Special Note About Children
Children are not eligible to use our services unsupervised and we ask that children
(under the age of 14) do not submit any personal information to us. If you are a
minor, you can use this service only in conjunction with permission and guidance
from your parents or guardians.
Acquisition or Changes in Ownership
In the event that the web site (or a substantial portion of its assets) is acquired,
your information would be considered part of those assets, and may be part of those
assets that are transferred.
We will post any changes here, so be sure to check back periodically. However, please
Terms & Conditions
• The web site (www.txt2payday.com) is operated by EPL Web Solutions Ltd (registered
number 7505998) whose registered address is 145 - 157 St John St, EC1V 4PW, London
("EPL" "we", "us", "our").
• Please read the details set out below carefully before using this Website.
By accessing this Website, you agree to be bound by the following terms and conditions
and disclaimers (the "Terms").
• All our products and services are subject to the terms and conditions
and disclaimers of the applicable agreement governing their use.
• The Terms and Conditions of the lender that accepts the application
may be different from those advertised on this site – we only
display typical information.
• The fact that someone, after completing an application, is transferred
to a particular lender DOES NOT constitute endorsement of that lender/broker, DOES
NOT constitutes a recommendation, and we provide our service on a NON-ADVISED basis.
We direct your application to the lender based on the client’s answers to
some questions, giving applicants information about a specific payday loan lender/broker
so that applicants can make their own choices.
• The Site may contain links to sites maintained by third parties. EPL Web Solutions Ltd is not responsible for the content or privacy policies of those sites, and the
existence of such links should not be considered an endorsement or recommendation
of those sites or of any product or service offered on those sites or of any party
that is associated with those sites.
• Please note that other web sites and web pages linked to the Site may
be governed by separate terms and conditions, including privacy policies. Please
refer to the applicable terms and conditions of those web sites and web pages when
• 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 are wholly responsible for the use of the Website by any person
using your computer and you must ensure that any such person complies with these
• The Website is currently intended for those who access it from within
the United Kingdom and who are 18's and over. Because of this we cannot guarantee
that the Website or the information thereon complies with or is appropriate for
use in other places.
• To register with us you must be over eighteen (18) years of age. You
must ensure that the details provided by you on registration or at any time are
correct and complete. You must inform us immediately of any changes to the information
that you provided when registering by updating your personal details.
• You will not knowingly transmit any virus or other harmful matter to
the Website. You may not use any device, software or routine to interfere or attempt
to interfere with the proper working of the Website nor may you attempt to decipher,
de-compile, disassemble or reverse engineer any of the software comprising or in
any way making up the Website or any part of it.
Disclaimers and Limitation of Liability
• Whilst we have taken reasonable steps to ensure the accuracy, currency,
availability correctness and completeness of the information contained on the Website,
information is provided on an "as is", "as available" basis and we do not give or
make any warranty or representation of any kind, whether express or implied. The
use of the Website and the materials contained in it are entirely at your own risk.
We shall not be liable for any losses or damages, whether direct or indirect, consequential
or otherwise that you may suffer as a result of your use of the Website, including
but not limited to computer service or system failure, access delays or interruption,
data non-delivery or miss-delivery, computer viruses or other harmful components,
breaches of security or unauthorized use of the system arising from "hacking" or
otherwise or your reliance on the information contained on the Website.
• We do not represent or warrant that the Website will be available and
meet your requirements, that access will be uninterrupted, that there will be no
delays, failures, errors or omissions or loss of transmitted information, that no
viruses or other contaminating or destructive properties will be transmitted or
that no damage will occur to your computer system. You have sole responsibility
for adequate protection and back up of data and/or equipment and for undertaking
reasonable and appropriate precautions to scan for computer viruses or other destructive
• We make no representations or warranties regarding the accuracy, functionality
or performance of any third party software that may be used in connection with the
• Nothing in these Terms or in the pages of the Website shall limit our
liability for death or personal injury arising out of our negligence, or for fraud,
or for any other liability, which cannot be excluded or limited under applicable
• The information, material and content provided in the pages of the Website
may be changed at any time without notice. Changes may be made to the Terms at any
time without notice by updating this posting. Any revised term shall take effect
as at the date when the change is made to the Website. You agree to review the Terms
regularly and your continued access to or use of the Website will mean that you
agree to any changes.
Third party Websites
• Links contained in the Website might lead to other websites not under
our control, and we accept no liability for the content or availability of any linked
site which is not operated by us or any link contained in a linked site not operated
by us. Links on the Website are provided to you only as a convenience and the inclusion
of any link does not imply reliability and we do not necessarily endorse any pages
linked to the Website. Accordingly, you should read the terms and conditions of
those websites before using them and direct any questions or comments about the
linked website's contents to the relevant website provider.
• You are not entitled (nor will you assist others) to set up links from
your own websites to the Website (whether by hypertext linking, deep-linking, framing,
toggling or otherwise) without our prior written consent, which we may grant or
withhold at our absolute discretion. You are also not entitled to direct link (also
known as "Hot Link") any images or content without our prior written authorization.
• 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 over the Internet.
computer to our server. Cookies in themselves do not identify the individual user,just
the computer used. Many sites do this whenever a user visits their site in order
to track traffic flows. Cookies themselves only record those areas of the site that
by configuring your web browser accordingly, but please note that this may hinder
some of the Website functionality.
Trademarks and copyright
• All copyright, trademarks and all other intellectual property rights
in the Website and its content (including without limitation the pages screens,
information and material) included in the Website and all software and source codes
connected with the Website is owned by or licensed to EPL Web Solutions Ltd unless otherwise
• Our logos and all brands and products referred to or detailed in the
Website are the trademarks of, or licensed to, EPL Web Solutions Ltd. No rights are granted
in respect of any of the above trademarks. If you are in doubt whether an item is
our trademark or that of any EPL Web Solutions Ltd business, please contact us for clarification.
• You may imprint, copy, download or temporarily store extracts from our
Website for your personal information or when you use our products and services.
You may not republish, retransmit, redistribute or otherwise make such information
or pages available to any other party or available on any website, on-line service
or bulletin board of your own or of any other party or make the same available in
hard copy or on any other media without our express prior written consent.
• We may also sell your data (or otherwise pass it on) to selected third
parties who may use it to contact you by post, telephone, email, SMS or other reasonable
method in relation to offers they feel might interest you, whether or not we enter
into an agreement with you. In addition, we may disclose your personal information
to a third party:
• In the event we sell or buy any business or assets (in which case we
may disclose your personal data to the prospective seller or buyer of such a business
• If our business or substantially all of its assets are acquired by a
third party (in which case personal data held about customers will be one of the
• If we have a duty to disclose your personal data in order to comply
with a legal request, or in order to enforce any of our terms and conditions
• Because we work with some carefully selected partners outside of the
UK - in order to offer you our loans service - we may also need to transfer your
personal information abroad, to countries whose data protection laws are less strict
than in the UK. If and whenever this is the case, we will ensure the information
is held securely to standards as least as good as those in the UK and is only used
for the purposes set out in this policy.
• Under the Data Protection Act 1998, you have a right to access certain
personal records we, credit reference agencies and fraud prevention agencies hold
about you. This is called a ‘subject access request’, which you can
make by writing to firstname.lastname@example.org. A fee may be payable, but we will
not charge you until we have told you how much the fee is and what it is for, and
you have told us you still want to proceed.
• We may as a result of your interaction with the Website hold and process
personal information obtained about you when you access the Website and use it for
making lending decisions and servicing our relationship with you, for the purposes
of fraud prevention and debt collection, to understand your financial needs, to
conduct our business and to provide you with better customer services and products
from both EPL Web Solutions Ltd and those of selected third parties, to evaluate the effectiveness
of our marketing of the Website and for statistical analysis. We may pass this information
to other members of EPL Web Solutions Ltd or agents, as permitted by law so that they may
do the same and they may pass information held by them about you to us so that we
may do the same. We will not disclose any such information outside of EPL Web Solutions Ltd except for fraud prevention purposes and/or if required/obliged by law or Governmental
or judicial bodies or agencies or to our regulators under proper authority, or under
a strict code of secrecy to sub-contractors or persons acting as our agents or where
we have your consent or have previously informed you.
• As a condition of credit the files of a credit reference agency may
be checked against your application.
• By submitting an application form through this site, you agree that
EPL Web Solutions Ltd can contact you from time to time by post, fax, telephone or other
electronic means, to tell you about other products and services, offered by ourselves
or other carefully selected companies, that we believe would be of interest to you.
We may also pass your information to third party financial services companies for
the purpose of them telling you about their services or products.
• All information submitted in this form is held safely and securely by
EPL Web Solutions Ltd
in accordance with the Data Protection Act 1998. We require all parties
to whom we may pass your information to treat it with the same degree of confidentiality.
• If we transfer your information to a service provider or agent in another
country we will make sure that the service provider or agent agrees to apply the
same levels of protection as we are required to apply to information held and to
use your information only for the purpose of providing the service to us.
• The Terms are governed by and interpreted in accordance with the laws
of England and Wales and the courts of the above jurisdiction will have non-exclusive
jurisdiction in respect of any dispute, which may arise.