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Terms and Conditions

These terms of use are applicable to the website www.club-together.org (the “Site”), operated by Paymaster (1836) Limited (“Xafinity”). By using this Site you are agreeing to be bound by these terms of use (as amended from time to time) and the uses we make of data relating to you (as described below). If you do not agree to the terms of use then you must not use this Site.


Limits on Use

You may not use this Site, or services offered on or through it, for personal gain and you may not sell or provide to any third party, or otherwise profit from, any of the services or information (nor any modification, adaptation or analysis of them) available on or through this Site.


Limited Licence

You are granted a limited licence to download the materials contained on this Site to a personal computer, and to print a hard copy of the materials contained on this Site, solely for your personal, non-commercial use, provided that all copyright, trade mark and other proprietary notices are left intact. Use of the materials contained on this Site on any other internet site or other media is strictly prohibited. The grant of this limited licence is conditional upon your agreement to and compliance with all of these terms of use.

Software (if any) made available to download from this Site is either owned by or licensed to us. You may only use such software in accordance with the end user licence accompanying that software or, where there is no such licence, you are granted a non-exclusive, non-transferrable licence to use the said software for using this Site in accordance with these terms of use.

All rights of any sort relating in any way to this Site (including, but not limited to, those relating to their content, branding and any services, software and other materials made available on and through them) which are not granted to you in accordance with these terms of use are hereby expressly reserved to us.


Linking to this Site


You may establish a link to the home page of this Site on the condition that you agree to and comply with these terms of use and, in particular, the following:

  1. you must notify us in writing at the address given below (see About Us) at least one week in advance of establishing your link;
  2. unless we confirm otherwise to you in writing, the link must only be to the home page of this Site;
  3. the link(s) to this Site will be one-way (i.e. not reciprocal);
  4. you may not use any of our logos on your site to establish any link(s) without our prior written consent;
  6. you will not feature nor permit to be featured on the linking site(s) any material which is in any way disparaging of this Site or Xafinity or any of the Xafinity group of companies more generally; and
  7. we reserve the right at any time to require you to remove or modify any link(s) and you agree to do so forthwith upon our request.

Please note: By establishing any link(s) to the site you agree to comply with these terms of use.


Links to other Sites


Where this Site contains links to third party sites you should be aware that we may not control sites reached through those links and are not responsible for the content of sites which we do not control. The existence of a link on this Site does not imply any endorsement or approval of any goods, services, opinions or other material(s) of any sort made available on or through sites which we do not control, nor do we take any responsibility for the opinions of third parties (if any) expressed on or through such sites.


Disclaimer and Limitation of Liability

  1. You use this Site at your own risk. This Site, its contents, and any services provided through it are provided “as is” and without any representations or warranties of any kind, whether express or implied, and we disclaim all such representations and warranties so far as permitted by law. We do not warrant that information contained on this Site is accurate or that any services made available through it represents best value, nor do we warrant that this Site or any part of it will always be accessible.
  2. So far as permitted by law, we exclude all liability (whether or not caused by our negligence) for all wasted time, all loss/corruption of data, all loss of profits, opportunities, and goodwill, and for all indirect, consequential and punitive loss or damage(s) arising through use of this Site, the information on it and any services provided through it, even if it was reasonably foreseeable or we have been made aware of the possibility of such loss/damage(s).
  3. Our total aggregate liability in respect of direct loss shall be limited to the maximum of the value of the transaction (if any) in relation to which the claim arises.
  4. Nothing in these terms of use shall limit our liability for loss or damage for death or personal injury caused by our negligence, nor for any fraudulent misrepresentation made by us or those under our control.
  5. If you are using this Site as a consumer then nothing in these terms of use shall in any way limit your statutory rights.

Severability


If one or more of the provisions of these terms of use are at any time found to be invalid by a court, tribunal or other forum of competent jurisdiction, or otherwise rendered unenforceable, that decision shall not invalidate or void the remainder of these terms of use. These terms of use shall be deemed amended by modifying or severing such provisions as necessary to render them valid, legal and enforceable while preserving their intent, or if that is not possible, by substituting another provision that is valid, legal and enforceable which materially gives effect to their intent. Any invalid or unenforceable provision or provisions shall be severable from these terms of use so that the validity or enforceability of their remaining provisions, or the validity of the provision(s) in question in any other jurisdiction, shall not be affected.


Entire Agreement

These terms of use supersede all prior agreements, arrangements and statements (except for those for which liability is not excluded) between us, and constitutes the entire agreement between us relating to their subject matter.


Change of Terms of Use


We may alter, adapt or otherwise change these terms of use from time to time. Your use of this Site or any service(s) made available on or through them will constitute acceptance of those amended terms of use and you should review them before conducting future transactions or making any further use of these Sites.


About Us

This Site is operated by Paymaster (1836) Limited (company number: 3249700) whose registered address is: Sutherland House, Russell Way, Crawley, West Sussex, RH10 1UH. Our VAT number is GB 858 7667 53.

Our normal hours of business are 9am to 5pm weekdays excluding bank holidays. You can contact us by ringing +44 (0) 1293 560999, by writing to us at Paymaster(1836) Limited, Sutherland House, Russell Way, Crawley, West Sussex, RH10 1UH or by using one of this site’s contact facilities.


Regulatory information

Paymaster (1836) Ltd (trading as Xafinity Paymaster) is authorised and regulated by the FSA to arrange and administer a number of insurance and investment contracts. Our FSA Registration Number is 315407 and you can check this on the FSA’s Register by visiting www.fsa.gov.uk/register or by contacting FSA on 0845 606 1234. We’ve classified all our clients as ‘retail’ clients which means you have the greatest level of protection and care under the regulatory system although not all complaints or compensation claims may be eligible. We only put you in touch with selected investment and insurance providers as we do not offer our own products. We will not, under any circumstances, give advice or make recommendations. If you need advice you should speak to a financial adviser. We occasionally receive fees or commission for arranging for you to access insurance and investment providers and these providers will tell you how much we receive.

We are covered by the Financial Services Compensation Scheme (FSCS) which means that you may be able to claim compensation if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim. Most investment business (eg life assurance and pensions) are covered. The FSCS pays 100% of the first £30,000 invested and 90% of the next £20,000, so the maximum compensation is £48,000. Insurance arranging is covered for 100% of the first £2,000 and 90% of the remainder of the claim with no upper limit. Further information about compensation scheme arrangements is available from the FSCS. The FSCS does not affect any legal right you may have to compensation.

If you have a complaint about us please let us know and we will investigate promptly and aim to resolve it to your satisfaction. We will provide you with a copy of our complaint procedure on request and you can also complain to the Compliance Officer at Paymaster (1836) Ltd, Sutherland House, Russell Way, Crawley, West Sussex, RH10 1UH. You can also refer complaints to the Financial Ombudsman Service at South Quay Plaza, London, E14 9SR (Tel 0845 080 1800). Making a complaint will not affect your rights to take future legal action.


Miscellaneous

These terms of use shall not constitute or be deemed to constitute a partnership, joint venture or contract of employment between us. You may not assign, sub-license, sub-contract or otherwise transfer or deal in any of your rights or obligations under these terms of use without our prior written consent.

Headings in these terms of use are for convenience only and are not to be taken into account when construing these terms of use. All rights reserved. Articles or content of www.club-together.org may not be reproduced without the permission of Club Together and Xafinity Paymaster. All care is taken at time of preparing and publishing content but Club Together and Xafinity Paymaster cannot be held responsible for effects arising from Club Together communications including the magazine or website. Views of the contributors do not necessarily reflect those of Club Together or Xafinity Paymaster.


Governing Law

Use of the site is governed by English law, and you agree to submit any claim or dispute arising in relation to, out of, or in connection with this site (and any use you make of it or the services and/or opportunities offered through it) to the non-exclusive jurisdiction of the English courts.

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