How to use this website

These terms and conditions are important and apply to your use of this website. Please read through them carefully.

In these terms and conditions website users are referred to as “you” and “your”. Advanced Payment Solutions Limited (“APS”) is referred to as “we” or “us”. The term “parties” will be used to refer to both you and us together. The “Site” means this website.

By accessing any part of the Site you agree to be bound by these terms and conditions and our security and privacy policy. If you don’t agree with any part of them then you should stop using the Site immediately.

We reserve the right to amend the contents of the Site, these terms and conditions or our security and privacy policy from time to time. Any changes will be posted on the Site. Please check these terms and conditions and security and privacy policy regularly to see any changes that we make.

Accessibility

We have made reasonable efforts to ensure that the Site is accessible from a wide range of computers and browsers. However, we can’t absolutely guarantee that you’ll be able to access the Site if you change the hardware/software you’re using and we don’t accept liability if you’re unable to do so.

We may suspend access to the Site without notice for any reason, for example, to carry out maintenance and update information on it.

Accuracy of information

We do our best to ensure that the information provided on this Site is up-to-date and accurate. However, as some of the information on this Site is provided by third parties we can’t guarantee this. We use reasonable endeavours to correct any errors or omissions as soon as practicable after being notified of them. If you intend to rely upon any information presented on this Site, you’re responsible for checking its validity and accuracy and for ensuring that it meets your specific requirements.

To the extent permitted by the applicable law, we disclaim all warranties and representations (whether express or implied) as to the accuracy of any information contained in the Site.

Links to other sites

We’re not responsible for the content, security or performance of any other web sites to which this Site has links and we don’t endorse any products or services advertised on them. Once you leave our Site, you’ll no longer be covered by our terms and conditions or privacy and security policies.

Data Protection

Please see our Privacy policy

Termination

We may stop you using this Site if you don’t comply with these terms and conditions or if we have reasonable grounds to suspect that you’re using the Site for any improper purpose, including (but not limited to) fraudulent, abusive or illegal activity. All disclaimers, indemnities and exclusions in these terms and conditions shall survive termination of the agreement between us for any reason.

Intellectual Property

The copyright or other intellectual property rights in the content and layout of this Site together with the text, software (including source code), data, sound, music, graphics, animations, logos and video clips belong to APS or the providers of such information. All rights are reserved. None of this material may be reproduced, used or redistributed without our written permission. However, you may download and print product information for your own personal use. If you print any content, information, data, text or forms, you mustn’t alter, amend, copy or make any derivative works from it.

Cashplus, Creditbuilder, iAdvance and Debit Protect are trademarks of APS. Other product and company names mentioned on this Site may be the trade mark of their respective owners.

Liability

In no event shall we be liable for any indirect or consequential loss or damage including (without limitation) loss of profit, loss of revenue, loss of anticipated savings, loss of business and/or goods, loss of goodwill, loss of use and/or opportunity, loss and/or corruption of data and/or other information, downtime and/or the cost of obtaining substitute products or services whether in contract, tort or otherwise arising out of or in connection with this agreement or use of the Site save where such liability can’t be excluded by law.

We do our best to ensure that this Site is free from viruses, bugs or other software or programs that may damage the operation of your computer. However, we don’t give any warranty to you that this is the case. We don’t accept any liability for any damage or loss of operation to your computer that arises from such virus, bug or other software or program.

Jurisdiction

The products or services on this Site are intended for residents in the United Kingdom over the age of 18 and our terms and conditions are drafted accordingly. The parties agree that English law will apply to these terms and conditions and that any disputes will be subject to the jurisdiction of the English Courts.

Your liability

You agree to reimburse us in full if we suffer any loss or damage or incur any costs because you use this Site for illegal, immoral or improper purposes.

General

If any of the clauses of these terms and conditions is found to be unlawful, invalid or unenforceable, that provision shall be deemed to be deleted and the validity and enforce-ability of the remaining provisions of these terms and conditions shall not be affected. We reserve the right to transfer our rights, duties and responsibilities set out in these terms and conditions to another party.

Terms and Conditions apply, including applicants being resident in the UK & aged 18+ and, if relevant, businesses being based in the UK. For full website terms including information on Cashplus, Mastercard and use of Trademarks, please see our full legal disclosures. Credit facilities are provided by Advanced Payment Solutions Ltd (APS) and are subject to the AFL Cashplus e-money account being in good standing and applicants aged 18+. APS is authorised and regulated by the Financial Conduct Authority for consumer credit activities (Registration No. 671140). ♦Calls to 03 numbers cost no more than a national rate call to a 01 or 02 number and will count towards inclusive minutes in the same way as 01 and 02 calls. Calls may be recorded.