About us - Payday Loans by Rainbow

1.Introduction

1.1 PaydayLoansRainbow.com is a website operated by Rainbow (UK) Ltd. Rainbow (UK) Ltd is fully authorised and regulated by the Financial Conduct Authority - FCA Number 674557. Our trading address is Unit 8 Saxon House, Upminster Trading Park, Upminster, Essex, RM14 3PJ. Our other contact details are specified on our website.

1.2 Please read these terms and conditions carefully. They cancel and replace any previous versions. By registering on or using our Service (as defined below) you agree to be bound by these terms and conditions.

2.Definitions

2.1 Capitalised terms have the following meanings in these terms and conditions:

2.1.1 Service means the services offered by means of our website at www.rainbowgrp.co.uk and/or the Rainbow Financial Services group of sites as well as the various Rainbow Financial Services apps and any related software and services.

2.1.2 Supplier means the owner / operator of such a third party website or service.

2.1.3 User means a person who uses our Service (whether or not registered with us).

3.Changes to the terms and conditions

3.1 We may change these terms and conditions by posting the revised version on our website for 21 days before they become effective. Please check our website from time to time. We recommend that you like this page to ensure that you are informed of any changes. You will be bound by the revised agreement if you continue to use our Service following the effective date shown.

4.Use of our Service

4.1 We grant Users a limited personal right to use our Service subject to these terms and conditions.

4.2 You are not eligible for, and must not use or register on, our Service if you are under 18 years of age or you are not resident in the UK (or other relevant country specified by us on our Service).

4.3 You must not supply any personal data of another person (ie information enabling someone to be identified or contacted) via our Service unless that person is 18 years or over and you have obtained that person's explicit written consent;

4.4 Your account on our Service is for your personal use only and is non-transferable. You must not authorise or permit any other person to use your account. You must take reasonable care to protect and keep confidential your password and other account or identity information. You must notify us immediately of any apparent breach of security such as loss, theft, misuse or unauthorised disclosure or use of a password. You are responsible for third parties who use your account or identity (unless and to the extent that we are at fault).

4.5 You must promptly comply with any reasonable request or instruction by us in connection with the Service.

4.6 You must ensure that all information which you provide is accurate and not misleading and that you will update it so that it remains so.

5.Third party websites and services

5.1 We link to a range of third party websites or services which offer payday loans and/or various goods and/or services. We do not ourselves offer loans or other financial services. We do not recommend or endorse or accept responsibility for any Supplier or its website, goods or services. You use them at your own risk. Please check very carefully that they are suitable for your requirements, taking appropriate professional and other advice where appropriate.

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED

IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.

5.2 Any contract for sale or supply of goods or services or other transaction in relation to the third party websites or services is between you and the Supplier. You acknowledge that any legal recourse in connection with such transactions is against the Supplier and not us. Please direct any queries or complaints to the Supplier.

6 Our content

6.1 Any content which we ourselves make available (such as articles on various topics) is intended for very general guidance but we cannot guarantee that it is accurate or up to date. Before acting on such information, you must make your own appropriate enquiries including as to its accuracy and suitability for your purposes and take appropriate professional or other advice. You rely on such information at your own risk.

7.Functioning of our Service

7.1 We cannot guarantee that the website will be uninterrupted or error-free. We accept no legal responsibility for errors or interruptions. We are entitled to suspend the website for repair, maintenance, improvement or other technical reason.

8.Intellectual property rights

8.1 All trade marks, logos, content, layout, graphics, images, photographs, animation, videos, text and software used on the Service are our intellectual property or that of our partners. For the purposes of your personal use only, you may view such material on your screen and print a single copy. You may not otherwise use, sublicense, retrieve, display, modify, copy, print, sell, distribute, download, hire, reverse engineer (unless permitted by applicable law) or create extracts of, or derivative works from, such material without our specific prior written consent.

8.2 You must not reverse-engineer or decompile any of our software in any way (except to the extent allowed by applicable law). You must take reasonable steps to ensure that our software is not disclosed to any third party.

8.3 You acknowledge and agree that any questions, comments, suggestions, ideas, feedback or other information about our Service ("Submissions") which you provide us are non-confidential and shall become our sole property. We shall own exclusive intellectual property rights in, and shall be entitled to the unrestricted use and dissemination of, these Submissions for any purpose, commercial or otherwise, without acknowledgment or compensation to you.

9.Liability etc

9.1 Nothing in this agreement in any way limits or excludes our liability for negligence causing death or personal injury or for fraudulent misrepresentation or for anything which may not legally be excluded or limited.

9.2 You must give us a reasonable opportunity to remedy any matter for which we are potentially liable before you incur any costs remedying the matter yourself.

9.3 Very important: We shall not be liable for any loss or damage caused by us or our employees or agents in circumstances where:

9.3.1 there is no breach of a legal duty of care owed to you by us or by any of our employees or agents;

9.3.2 such loss or damage was not reasonably foreseeable by both parties;

9.3.3 such loss or damage is caused by you, for example by not complying with this agreement; or

9.3.4 such loss or damage relates to a business.

9.4 Very important:You will be liable for any reasonably foreseeable loss or damage we suffer arising from your breach of this agreement or misuse of our Service (subject of course to our obligation to mitigate any losses).

10.Act of God

10.1 Neither you nor we are liable for failure to perform or delay in performing any obligation (excluding payment) under this agreement if the failure or delay is caused by any circumstances beyond your or our reasonable control including third party telecommunication failures.

11.Transfer

11.1 We may transfer all or part of our rights or duties under this agreement provided we take reasonable steps to ensure that your rights under this agreement are not prejudiced. As this agreement is personal to you, you may not transfer any of your rights or duties under it without our prior written consent.

12.English law

12.1 These terms and conditions shall be governed by English law and any disputes will be decided only by the courts of the United Kingdom.

13.General

13.1 We may send all notices under this agreement by email to the most recent email address you have supplied to us (unless otherwise stated in this agreement). Headings used in this agreement are for information and not binding. Any failure by either party to exercise or enforce any right or provision of this agreement does not mean this is a waiver (ie that it can't be enforced later). If any part of this agreement is ineffective or unenforceable for any reason, then it will be replaced with a provision which as far as possible achieves the same thing and the rest of the agreement shall continue to apply. A person who is not a party to this agreement shall have no rights under the Contracts (Rights of Third Parties) Act 1999 to enforce any term of this agreement except insofar as expressly stated otherwise.

14.Complaints

14.1 If you have any complaints, please contact us via the contact details shown on our website or write to our address shown at the start of these terms and conditions.

Website terms and conditions by internet lawyers Adlex solicitors

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PRIVACY POLICY AND COOKIES INFORMATION

Effective Date: 26^th October 2015

1.Who are we?

1.2 We are registered with the Information Commissioner's Register of Data Controllers under number Z7036317.

2.What's the point of this policy?

2.1 The idea is that we tell you how we deal with your personal data. (This is the technical term for information about any identified or identifiable living person). Please read on to find out what kinds of personal data we collect, how we use and protect it, to whom we disclose it and how you can access and rectify it.

2.2 Please don't use our service (our website and apps) unless you are completely happy with this policy. If you do use our service, we'll assume that you do accept it.

3.Might the policy change?

3.1 It may well do. If so, we will post a revised version on our website. You should check it on our site from time to time. We'll assume you agree to the revised policy if you use the service after the effective date shown at the top of the revised policy.

4.What personal or other data do we collect?

4.1 We collect and store the information which you give us via forms on our site - such as your name, address, email address, phone number and so on - or when communicating with us by email or in some other way.

4.2 We may receive and store certain information automatically when you interact with us. Examples include the internet protocol (IP) address used to connect your computer to the internet, connection information such as browser type and version, your operating system and platform, a unique reference number linked to the data you enter on our system, login details, the full URL clickstream to, through and from our site (including date and time), cookie number, activity on our website including the pages you visited and searches you made.

5.What about cookies?

5.1 We use cookies (or may do so in future). A cookie is a small file of letters and numbers that we put on your computer if you agree. Our site's functionality will be limited if you do not agree.

5.2 Cookies are widely used to make websites work, or work more efficiently, as well as to provide information to the site owner or others. Session cookies are temporary cookies that remain in the cookie file of your browser until you leave the site. Persistent cookies stay in the cookie file of your browser for longer (though how long will depend on the lifetime of the specific cookie). For further information on cookies, visit www.allaboutcookies.org..

5.3 We use cookies for the following purposes:

a) Analytical cookies: These persistent cookies are used to recognize and count the number of visitors as well as providing other information about the visit such as duration, route through the site and what sites the visitor came from. This information helps us to improve the way our site works, for example by making sure users find what they need easily. These cookies are provided by Google but we may use other providers also. Google requires us to tell you the following: This website uses Google Analytics, a web analytics service provided by Google, Inc. (Google). Google Analytics uses cookies, which are text files placed on your computer, to help the website analyze how users use the site. The information generated by the cookie about your use of the website (including your IP address) will be transmitted to and stored by Google on servers in the United States. Google will use this information for the purpose of evaluating your use of the website, compiling reports on website activity for website operators and providing other services relating to website activity and internet usage. Google may also transfer this information to third parties where required to do so by law, or where such third parties process the information on Google's behalf. Google will not associate your IP address with any other data held by Google. You may refuse the use of cookies by selecting the appropriate settings on your browser. However please note that if you do this you may not be able to use the full functionality of this website. By using this website, you consent to the processing of data about you by Google in the manner and for the purposes set out above. Click here for information about privacy at Google.

b) Third party advertising cookies: As do many other sites, we use third party advertisers and/or internet advertising companies working for them to fill ad space on our site. These third parties may use persistent cookies and other similar technologies (known as action tags, single pixel gifs and web beacons) to assess information about your visits to this and other sites. This is so they can track the effectiveness of their campaigns (including whether these advertisements are clicked on or viewed by users and later purchases by such users), avoid showing you the same advertisement repeatedly and display advertisements on this and other sites tailored to your preferences. We don't have any access to or control over these third party technologies. If you would like more information about these practices and to know your choices about not having this information used by certain of these companies, please click here. [link to: www.youronlinechoices.com]. Please contact the third parties directly for more information about their privacy practices.

5.4 Please contact us by the means shown on our website if you wish to withdraw any consent which you have given to the use of cookies. Note that this may impact on the functionality of our site.

6.How do we use your personal data?

6.1 We or one of our third parties may use your personal data to provide our services eg send service messages.

6.2 We or one of our third parties may use your personal data to carry out identity checks or for our own credit scoring.

6.3 We or one of our third parties use your personal data to help us communicate with you effectively should you try to contact us via our site including verification of any claims you may make.

6.4 We or one of our third parties may telephone you to check some points regarding your application or to remind you about an upcoming renewal. We may monitor or record any telephone calls with you for customer service and administration purposes.

6.5 If you have agreed on our site, we or one of our third parties may use your personal data to send you texts, emails (or other communications) with details of our or third party goods or services which may be of interest to you including information about special offers or promotions.

6.6 We or one of our third parties may use IP addresses or personal data to recognize you when you visit or return to our site so we can track anonymised traffic and usage patterns, to prevent or detect fraud or abuses or to help us improve our site.

6.7 We or one of our third parties retain personal data in order to comply with legal obligations, enforce our terms and conditions, prevent fraud, collect any fees owed, resolve disputes, troubleshoot problems, assist with any investigations and take other actions as permitted by law.

6.8 We or one of our third parties may access, remove, alter or store or otherwise use any personal data if we think you have or may have breached our terms and conditions or to enforce our rights or protect the public or where if we are required to do so by law or appropriate authority.

7.How do we protect personal data?

7.1 Security is a high priority. We take appropriate precautions to protect personal data from loss, misuse, unauthorised access or disclosure, alteration or destruction using the same safeguards as we use for our own proprietary information.

7.2 Don't forget that email and other electronic communications are not secure if they haven't been encrypted. Your communications may pass through servers in a number of countries before they reach us. So we don't accept responsibility for any unauthorised access to or loss of personal data that stems from a cause beyond our control. Nor can we be held responsible for the actions or omissions of other users or third parties who may misuse your personal data which they collect from the site.

8.To whom do we disclose personal data?

8.1 Where you complete a form on our site enquiring about loans or other financial services, we supply your information to third party financial services providers to enable them to provide estimates, quotes or information about their services. Those providers may contact (including by telephone / email) for such purposes.

8.2 We may allow access to your personal data by third parties who supply us with a service - for the purpose of their service only and in accordance with our instructions. Examples include website hosts and businesses which assist us in undertaking communications or monitoring our site.

8.3 We or third party financial service providers may supply your personal data to relevant credit reference and fraud prevention agencies, who may themselves keep a record of that information and who may make it available to third parties.

8.4 We may disclose personal data so far as reasonably necessary:

a) if we think you have or may have breached our terms and conditions or to enforce our rights or protect the public or where we have reasonable grounds for believing that a criminal act has been committed or if we are required to do so by law or appropriate authority; or

b) in the case of an actual or proposed (including negotiations for a) sale or merger or business combination involving all or the relevant part of our business.

8.5 We may share your information with any other companies within our group for the purposes stated in this privacy policy.

8.6 We may store or transfer personal data outside the European Economic Area for the purposes stated in this policy.

8.7 Except as otherwise specifically included in this policy, this document addresses only the use and disclosure of information we collect from you. If you disclose your information to third parties, whether they are other users of our site or other websites, different rules may apply to their use or disclosure of your information.

9. How can you access and rectify personal data?

9.1 You can access and rectify your personal data by contacting us by the means shown on our website. We may charge an administration fee in line with data protection laws.

9.2 For information about your rights under UK data protection laws, see the website of the UK Information Commissioner

Website privacy policy by internet lawyers Adlex solicitors

Notices

May 2013 - Could applicants be aware that Rainbow Loans would never e-mail or telephone asking for your card details to take payments up front for loan applications.
It appears that another company has been fraudulently using our Company name, this had been reported to Action fraud 0300 123 2040 who are now looking into this matter. Anyone who is contacted should call Action Fraud immediately and lodge a complaint

We will transfer and/or store information outside the EEA, in the US, however it is worth noting that our US recipient is signed up the US Department of Commerce Safe Harbor Scheme. This scheme is recognised by the European Commission as providing adequate protection for the of the rights of individuals in connection with the transfer of their personal data to signatories of the scheme in the USA. The ICO recognise this scheme here: https://ico.org.uk/for-organisations/guide-to-data-protection/principle-8-international/

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Who we are