Your Rights

We take your privacy seriously.

We take your rights very seriously - whether that's simply about you using this website, to your rights to privacy and what we will and won't do with any information we may hold about you, as well as the security and standards of conduct you'd expect from us.

Please find more information about your rights here:

1. Using this website

2. Privacy

3. Security

4. Accessibility

5. Professional conduct


1. USING THIS WEB SITE

These terms of use govern our relationship with you in relation to this website. If you have any questions about them or do not wish to accept them, please contact info@paymentsplace.com before using this website. Using or accessing this website indicates your acceptance of these terms and conditions. If you do not accept these terms and conditions, please do not continue to use this website.

1.1 About us

We are Payments Place, a trading name of TDX Group Limited a company incorporated in England and Wales with company number 05059906, with its registered office at Capital House, 25 Chapel Street, London, United Kingdom NW1 5DS. You can contact us by email at info@paymentsplace.com

1.2 Your use of this website and our intellectual property rights

We have made this website available to you for your use. We may modify, withdraw or deny access to this website at any time. Some areas of this website may only be accessed by individuals who Payments Place has contacted in connection with payment of a debt. If this applies to you, in order to access these areas and manage your account you will be required to enter certain validation details. You are entirely responsible for maintaining the confidentiality of your validation details. You agree to notify us immediately if you believe that there has been any unauthorised use of your validation details or any other breach of security. We will not be responsible to you if there is unauthorised access to your account and/or unauthorised activity on the website as a result of your validation details becoming compromised, unless this is due to our negligence.

This website and all the materials contained in it are protected by intellectual property rights and either belong to us or are licensed to us to use. Materials include, but are not limited to, the design, layout, look, appearance, graphics and documents on the website, as well as other content such as articles, stories and other text. You may not copy, redistribute, republish or otherwise make the materials on this website available to anyone else without our written permission. We do not give you permission to do anything with this website except to browse its contents and use any facilities expressly offered to you.

You may print or download materials from this website provided that:

  • No materials are modified in any way
  • No graphics are used separately from accompanying text
  • Our copyright and trade mark notices appear in all copies and you acknowledge this website as the source of the material
  • The person to whom you providing these materials are made aware of these restrictions

1.3 Our liability to you

These terms and conditions do not exclude our liability (if any) to you for:

  • Personal injury or death resulting from our negligence
  • Fraud
  • Any matter which it would be illegal for us to exclude or to attempt to exclude our liability

We do not guarantee that this website will be compatible with all or any hardware and software which you may use. We do not guarantee that this website will be available all of the time or at any specific time. We reserve the right to withdraw or modify this website at any time. We do not accept liability for any charges, interest or other costs whatsoever which you may incur in connection with a debt as a result of you having been unable for any reason to access this website, including but not limited to your inability to obtain information, manage your account or contact us via this website.

We are only liable to you for losses which you suffer as a direct result of a breach of these terms and conditions by us. We are not responsible to you for any losses which you may incur which were not a foreseeable or obvious consequence of us breaching these terms and conditions - for example, if you and we could not have anticipated those losses before or when you access this website or it was not obvious that those losses would result. Our liability to you shall not in any circumstances include any business losses that you may incur, including but not limited to lost data, lost profits or business interruption.

1.4 Information on this website

Except in respect of information specifically relating to your outstanding balance:

  • The information contained on this website is given for general information and interest purposes only
  • Whilst we try and ensure the information contained on the website is accurate and up to date, we cannot be responsible for any inaccuracies in the information
  • As a result, you should not rely on this information, and we recommend that you take further advice or seek further guidance before taking any action based on the information contained on this website

Our liability to you as explained above remains unaffected by this.

1.5 Linking

From time to time we may link to other websites which are not within our control. We are not responsible for the content of these websites in any way and do not endorse them. It is your responsibility to check the terms and conditions and privacy policy on any other website which you visit.

1.6 Contracting online

Nothing on this website is intended to be nor should be construed as an offer to enter into a contractual relationship with you or anyone else, except for these terms and conditions which govern the relationship between us in relation to your use of the website and our privacy policy which governs our use of your personal information. If you make a contract with a third party who is named or referred to on this website, this is entirely at your sole risk and it is your responsibility to ensure that you are comfortable with the terms of that contract and to take legal advice if necessary.

1.7 Governing Law and Jurisdiction

The formation, existence, construction, performance, validity and all aspects whatsoever of these terms and conditions or of any term of these terms and conditions will be governed by the law of England and Wales. The English and Welsh courts will have exclusive jurisdiction to settle any disputes which may arise out of or in connection with these terms and conditions or use of the website.

1.8 Date of this statement

This term of use statement was last updated 26th October 2011. We may change these terms and conditions at any time by updating this page.

2. PRIVACY

General

We care about providing you with tools and information to manage and protect your online privacy. We have developed this privacy policy to inform you about what information this web site collects, who may receive that information, what we may do with the information, how long we keep it and when we might contact you. While we have made every attempt to make this policy as clear as possible, if you have any further questions about it, all communication needs to be in writing and sent to the address below. Our use of your data complies at all times with the Data Protection Act (1998).

2.1 What information will Payments Place collect about me?

When you register or log-in to the Payments Place website, we may ask for personal information about you. This can consist of information such as your name, email address, postal address, telephone or mobile number. By entering your details in the fields requested, you enable Payments Place to provide you with the services you select.

Payments Place also uses cookies and collects IP addresses (an IP address is a number that can uniquely identify a specific computer or other network device on the internet). We use analysis software to look at IP addresses and cookies for the purpose of enhancing your user experience. This information is not used to develop a personal profile of you and the log files are regularly archived and purged. We also use your IP address to determine whether you are accessing the services from the UK or not. If not, we may re-direct you to an international version of Payments Place. We may use analytic software (e.g. Google Analytics software) which reports web site trends, but does not identify individual visitors.

2.2 How will Payments Place use the information they collect about me?

Payments Place will use your personal information for a number of purposes including the following:

  • We may process the data you have given us or that we collect from your usage of your Payments Place in order to contact you with relevant messages from Payments Place
  • IP addresses are used to identify the location of users, the number of visits from different countries and also to block disruptive use
  • To analyse and improve the services offered on Payments Place, for example to provide you with the most user-friendly navigation experience

2.3 When will Payments Place contact me?

Payments Place may contact you:

  • In relation to the functioning of any service you have signed up for in order to ensure that Payments Place can deliver the services to you
  • To invite you to participate in surveys about Payments Place services (participation is always voluntary)
  • For marketing purposes, but only where you have agreed to this

Online pages will give you detailed information about how Payments Place will contact you in relation to specific services.

2.4 Will I be contacted for marketing purposes?

If you have agreed to this, Payments Place may contact you from time to time for marketing purposes, or promote new services to you.

2.5 Will Payments Place share my personal information with anyone else?

In order to provide the services in which you have subscribed, the information that you provide may be shared with your creditor, or the organisation for whom they are acting. Your personal details shall not be disclosed or sold to other parties outside of this relationship. We shall disclose information to authorised personnel strictly on a need to know basis to ensure compliance with this agreement.

In addition, we may disclose your personal information:

  • To relevant credit reference agencies, as governed by the Consumer Credit Act 1974
  • To the extent that we are required to do so by law
  • In connection with any legal proceedings or prospective legal proceedings
  • In order to establish, exercise or defend our legal rights (including providing information to others for the purposes of fraud prevention and reducing credit risk)
  • To the purchaser (or prospective purchaser) of any business or asset which we are (or are contemplating) selling
  • To any person who we reasonably believe may apply to a court or other competent authority for disclosure of that personal information where, in our reasonable opinion, such court or authority would be reasonably likely to order disclosure of that personal information.

2.6 How long will Payments Place keep my personal information?

We will hold your personal information on our systems for as long as is necessary for the relevant service.

2.7 Date of this statement

This Privacy statement was last updated 26th October 2011. We may change these terms and conditions at any time by updating this page.

3. SECURITY

Our top priority to ensure your financial and personal information is kept secure at all times.

3.1 Payment transaction security

Payments Place does not retain cardholder information. Payments Place uses Sage Pay, a leading online payment gateway. All transaction information passed to Sage Pay's systems is encrypted using 128-bit SSL certificates. No cardholder information is ever passed unencrypted.

3.2 Encryption and Data Storage

Once on our systems, information we hold about you is secured using recognised encryption standards, making them all but impossible to extract. The data we hold is extremely secure and we are regularly audited by the banks and banking authorities to ensure it remains so.

3.3 System security

Payments Place uses Sage Pay as its payment processor. Sage Pay's systems are scanned quarterly by Trustwave which are an independent Qualified Security Assessor (QSA) and an Approved Scanning Vendor (ASV) for the payment card brands. Sage pay is also audited annually under the Payment Card Industry Data Security Standards (PCI DSS) and is a fully approved Level 1 payment services provider, which is the highest level of compliance. We are also active members of the PCI Security Standards Council (SSC) that defines card industry global regulation.

3.4 Our internal security

No one can enter or leave the building without a valid security pass. All employees at Payments Place are Criminal Records Bureau (CRB) checked prior to employment and no unauthorised individual is able to access transaction information or personal data.

3.5 Disaster recovery

Payments Place operates a full disaster recovery and business continuation policy.

4. ACCESSIBILITY STATEMENT

Payments Place is committed to providing an online service that is accessible to the widest possible audience, regardless of technology or ability. We aim to use language and terms which are easy to read and understand and we also try to ensure all the links on the website are up-to-date.

We are actively working to increase the accessibility and usability of our website and in doing so adhere to many of the available standards and guidelines. We strive to conform to level Double-A of the World Wide Web Consortium (W3C) Web Content Accessibility Guidelines 2.0. These guidelines explain how to make web content more accessible for people with disabilities and conformance with these guidelines will help make the web more user friendly for all people.

This site has been built using code compliant with W3C standards for HTML and CSS. The site displays correctly in current browsers and using standards compliant HTML/CSS code means any future browsers will also display it correctly.

Whilst Payments Place strive to adhere to the accepted guidelines and standards for accessibility and usability, it is not always possible to do so in all areas of the website. We are continually seeking out solutions that will bring all areas of the site up to the same level of overall web accessibility. In the meantime should you experience any difficulty in accessing the Payments Place website, please don't hesitate to contact us at info@paymentsplace.com.

For more information on help with seeing websites, including adjusting your screen size or the speed/size or your mouse pointer, you can find help at the BBC My Web My Way website

5. PROFESSIONAL CONDUCT

Payments Place is committed to conducting business in an honest and ethical manner. In particular, we do not tolerate bribery and corruption and we are committed to acting professionally, fairly and with integrity in all our business dealings and relationships wherever we operate. We are committed to implementing and enforcing effective systems and processes to counter bribery and corruption.

As a UK company, TDX Group Limited is bound by the laws of the UK, including the Bribery Act 2010, in respect of our conduct both at home and abroad. In addition, we will uphold all laws relevant to countering bribery and corruption in all the jurisdictions in which we operate.

As well as ensuring our own conduct is appropriate, we have also put in place procedures to prevent bribery being committed on our behalf by any associated persons, i.e. anyone that performs services for or on our behalf, such as our people, and in some cases, subsidiaries and third parties we work with such as resellers, referrers and business partners. This is the standard of behaviour customers, suppliers and partners can expect from us and that we expect from them.

Many of the organisations using Payments Place are debt collection agencies and are bound by the codes and standards of the Credit Services Association (CSA).