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Terms & Conditions

We are devoted to protect the privacy of the people who visit our website; this document explains how your personal information we gather will be treated.

1. Introduction
The terms and conditions administrate how you use our website; by means of you using our website you accept these terms and conditions fully. If you oppose to any part of these terms and condition, you are obligated to not use our website.

2. Licence to use website
Unless assured, we or our licensors own all the material rights within and on the website. Areas of discussion to the licence is below are reserved. We allow you to view, download or print pages or documents out from the website to store for your own personal use. Below and elsewhere in the terms and conditions are restrictions which are set out which you must not: republish material from this website; sell, rent or sub-license material which come from this website; show any material from the website within the public; duplicate, copy or otherwise exploit material on our website for any commercial purpose; wither modify or otherwise alter any material on the website; or redistribute any of the material from this website.

3. Use of our website
You must not use our website in any way that causes, or may cause, damage to the website or impairment of the availability or accessibility of the website; or in any way which is unlawful, illegal, fraudulent or harmful, or in connection with any unlawful, illegal, fraudulent or harmful purpose or activity. You must not use our website to copy, store, host, transmit, send, use, publish or distribute any material which consists of (or is linked to) any spyware, computer virus, Trojan horse, worm, keystroke logger, rootkit or other malicious computer software. You must not conduct any systematic or automated data collection activities (including without limitation scraping, data mining, data extraction and data harvesting) on or in relation to our website without our express written consent. You must not use our website to transmit or send unsolicited commercial communications.

4. Restricted access
Restriction applies to certain areas of our website. We have the right to limit and control areas of our website or even the entire website within our discretion. If we allow you to access the restricted parts of our website we will provide you with a user and password which you must be kept private to you self only. We can disable your access to the restricted sections on our website at any time in our own discretion without you being aware or giving any justification.

5. User generated content
In these terms and conditions, you agree to allow us global, binding, all access, royalty-free licence to use, duplicate, adjust, publish, interpret and dispense your ‘user content’ within prospect and existing media which includes images, audio-visual, audio and video material also including no restriction of text. You also give us the rights to sub-licence and carry an act of infringement on these rights. You are not allowed legal rights to infringe any third party’s or your user content must not be or contain any criminal or illegal content and must not be capable of giving rise to legal action whether against you or us or a third party (in each case under any applicable law). You must not submit any user materials to the website which is or has ever been the subject of any threatened or actual legal proceedings or other similar complaint. We reserve the right to remover or edit any content and materials which have been submitted or published on our website or stored on our servers. Notwithstanding our rights under these terms and conditions in relation to user content, we do not undertake to monitor the submission of such content to, or the publication of such content on, our website.

6. Limited warranties
Whilst we endeavour to ensure that the information on this website (excluding user content) is correct, we do not warrant its completeness or accuracy; nor do we commit to ensuring that the website remains available or that the material on the website is kept up-to-date. To the maximum extent permitted by applicable law we exclude all representations, warranties and conditions relating to this website and the use of this website (including, without limitation, any warranties implied by law of satisfactory quality, fitness for purpose and/or the use of reasonable care and skill).

7. Limitations of liability
There is nothing on the website or within these terms and conditions which will neither bound nor prohibits our liability for death, fraud, personal injury caused by our carelessness or any other liability which cannot be excluded or restricted under appropriate law. Subject to this, our legal responsibility to you in relation to the use of our website or under or in association with this agreement, whether in contract, tort (including negligence) or otherwise, will be limited as follows: to the extent that the website and the information and services on the website are provided free-of-charge, we will not be liable for any loss or damage of any nature; we will not be liable for any loss of profit, income, revenue, anticipated savings, contracts, business, goodwill, reputation, data, or information; we will not be responsible for any damages or loss that takes place in any event or events which is outside of our rational control; our maximum legal responsibility in relation to any occurrence or sequence of events will be limited to £1.00 (GBP)

8. Indemnity
You hereby indemnify us and undertake to keep us indemnified against any losses, damages, costs, liabilities and expenses (including, without limitation, legal expenses and any amounts paid by us to a third party in settlement of a claim or dispute on the advice of our legal advisers) incurred or suffered by us arising out of any breach by you of any provision of this agreement.

9. Breaches of these terms and conditions
Without prejudice to our other rights under these terms and conditions, if you breach these terms and conditions in any way, we may take such action as we deem appropriate to deal with the breach, including suspending your access to the website, prohibiting you from accessing the website, blocking computers using your IP address from accessing the website, contacting your internet service provider to request that they block your access to the website and/or bringing court proceedings against you.

10. Variation
We may revise these terms of agreement from time-to-time. Revised terms of agreement will apply to the use of our website from the date of the publication of the revised terms of agreement on our website. Please check this page regularly to ensure you are familiar with the current version.

11. Assignment
We may transfer, sub-contract or otherwise deal with our rights and/or obligations under these terms of agreement/conditions/use without notifying you or obtaining your consent. You may not transfer, sub-contract or otherwise deal with your rights and/or obligations under these terms of agreement/conditions/use.

12. Severability
If a provision of these terms and conditions is determined by any court or other competent authority to be unlawful and/or unenforceable, the other provisions will continue in effect. If any unlawful and/or unenforceable provision would be lawful or enforceable if part of it were deleted, that part will be deemed to be deleted, and the rest of the provision will continue in effect.

13. Exclusion of third party rights
These terms and conditions are for the benefit of you and us, and are not intended to benefit any third party or be enforceable by any third party. The exercise of our and your rights in relation to these terms and conditions is not subject to the consent of any third party.

14. Entire agreement
These terms and conditions, together with our privacy policy, constitute the entire agreement between you and us in relation to your use of our website, and supersede all previous agreements in respect of your use of this website.

15. Law and juristiction
These terms and conditions will be overseen and interpreted in unity with English law, and any disagreement relating to these terms and conditions will be questioned to the special authority of the magistrates of England and Wales.

16. Our details
The full name of our company is Peng Payments Ltd. Our registered address is: Unit 2, York House, Langston Road, Loughton, IG10 3TQ.We are registered in England under registration number: 10740568. You can contact us by email to or call us on 03335 002 233.

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