These terms and conditions are important, please read them carefully before agreeing to them.
They exist to protect both you and us.
If you do not understand anything in these terms and conditions then please feel free to ask us by contacting [email protected]
If you do not agree with any of the terms and conditions then please do not use our Website.
By using our Website you are fully agreeing to these terms and conditions.
vivapaydayloans.com.au is a free credit broker and not a lender.
1. Acceptance of terms
By using the Website you are fully accepting the terms, conditions and disclaimers contained in this notice. If you do not accept these Terms and Conditions you must immediately stop using the Website. Your access to and use of the Website is subject to agreement of these Terms and Conditions. You will not use the Website for any purpose that is unlawful or prohibited by these Terms and Conditions.
2. Changes to Website
We reserve the right to:
- Change these Terms and Conditions at any time without prior notice, and your continued use of the Website following any changes shall be deemed to be your agreement of any changes.
- Change or remove (temporarily or permanently) the Website or any part of it without prior notice and you confirm that we shall not be liable to you for any such change or removal
3. Our service
3.1. Credit Broker (Credit Intermediary / Loan Finder)
vivapaydayloans.com.au is a Credit Broker and we will not provide finance directly to you.
Our service is to help find you a suitable loan solution as per your request and upon completion of your application form, we will introduce you to (Loan Providers and Credit Brokers (“Our Panel”) who may be able to assist with your application for finance.
3.2. Loan Provider or Credit Broker’s Landing Page
If a Loan Provider or Credit Broker accepts your application you will be forwarded to a page on the Loan Provider or Credit Broker’s Website that they have requested we direct you to.
3.3. Alternative Loan Offer
If a Loan Provider or Credit Broker is unable to find the exact amount and/or term that you have requested, Our Panel may offer you an alternative amount and/or term. There is no obligation to accept the alternative offer if it doesn’t meet your needs.
3.4. Your Personal Information
As part of our Loan Finder service, upon submission of your loan application request, we shall:
- Send your loan application to Our Panel containing your personal data in order to match you with a suitable Loan Provider
- Automatically contact you by Email or SMS with your loan application and account information so you have record of your application
- Provide you with other finance options available to you in Our Panel by Email or SMS so that you can compare multiple quotes
- Loan Providers or Credit Brokers may contact you via telephone, email, SMS, and automated voice messaging regarding your recent loan application
If you would prefer us to stop sending you communication about other finance options, you can request this to cease at anytime by:
- Clicking the stop link in our communication
- Contacting us on [email protected]
- Going to st0p.uk
It is important for you to understand that after you opt-out, if in the future you request a loan, we will still automatically contact you by Email or SMS with your application details so that you have record of it.
We will never use your personal information to share with any other third party without your express opt-in consent, and we will never contact you regarding unrelated products or offers which do not directly relate to the Loan Finder service you have requested information from. Each communication will clearly detail who it came from and how you can stop further messages.
3.5. Alternative Lending Solutions
If you are declined by the Loan Providers in Our Panel, you may be referred to an alternative lending solution such as a Credit Report Provider or a Debt Solution Provider.
3.6. Free Service
We charge no fees for our service. If a Partner accepts your application, we shall receive commission from our Partner.
3.7. Third Party Fees
Some third party partners in Our Panel charge a fee for their services, such as credit report providers. Please read their refund policy and terms and conditions carefully before signing up. If you require a refund or wish to dispute the fee, you must contact the provider directly. We accept no liability or costs if you are charged by a third pary We referred you to.
3.8. Rates and Repayments
Any examples of amounts available to borrow, terms (repayment periods) or rates stated on our Websites, or the Partner Websites are purely given as an example relating to the product. These examples are stated to provide you with an understanding of the products available.
As We do not provide the loan or financial service directly to You We are unable to control the examples contained on the Website.
3.9. Credit Check
The Partner will carry out some checks on you before any decision or offer is made; this may include carrying out a full credit check on both your current and previous history. If a full credit check is made, it will leave a hard footprint and will impact your credit score.
Please also be aware that as we are not a lender, we have no control over any of the decision making in relation to your application.
3.11. Account and Password
Some of our Websites may ask you to input a password to create an account with our Website. If you do so, we will store your personal information and allow you to log back in and re-apply for a loan. You can update the personal data we hold about you at anytime in your account area. You can close your account at anytime by contacting us.
We cannot guarantee that the Partner will approve your application for finance. This could be due to a number of reasons such as technology problem issues or because information provided during the application is incorrect. We will not be liable for any loss that you may incur by using this site unless we have not acted in accordance with these Terms and Conditions, been negligent or otherwise required by UK law. In the event that You do not use this Website in accordance with these terms and conditions or we are made aware that you are using this form fraudulently, We, reserve the right to claim from you any reasonable costs that we may incur in taking action to stop you using the form and recover any monies owed as a result of Your activities.
5. Links to third party Websites
The Website may include links to third party Websites which are controlled and maintained by others. Any link to other Websites available is not an endorsement of such Websites and you acknowledge and agree that we are not responsible for the content or availability of any such sites.
6. Intellectual property rights
In using the Website you agree that you will access the content solely for your personal, non-business related use. None of the content may be downloaded, copied, reproduced, transmitted, stored, sold or distributed without the prior written consent of the site owner. This excludes the downloading, copying and/or printing of pages of the Website for personal, non-business related home use only.
All intellectual property rights, personal data, copyright or trademarks used in the Website and its content including without limitation the design, text, graphics and all software and source codes connected with the Website are owned by Marketplace Finance PTY Ltd, a company registered in Australia.
If you wish to opt-out of our placing cookies on your computer, please adjust your internet browser’s settings to restrict cookies as detailed in your internet browser’s help menu. You may also wish to delete cookies which have already been placed. For instructions on how to do this, please consult your internet browser’s help menu.
You agree to indemnify and hold us and our employees and agents innocent from and against all liabilities, legal costs, losses and other expenses in relation to any claims or actions brought against us arising out of any breach by you of these Terms and Conditions or other liabilities arising out of your use of this Website.
If any of these Terms and Conditions should be determined to be invalid, illegal or unenforceable for any reason by any court or competent jurisdiction then such Term or Condition shall be severed and the remaining Terms and Conditions shall survive and remain in full force and effect and continue to be binding and enforceable.
10. Governing law
These Terms and Conditions shall be governed by and construed in accordance with the law of Australia, and, England and Wales, and you hereby submit to the exclusive jurisdiction of the England and Wales courts.
11. Information about us
vivapaydayloans.com.au is a trading name of Marketplace Finance Pty Ltd with ACN 608 607 227 and ACL 487316.
Last updated: 19/09/2020