Last updated: 21 January 2021
This Agreement is with PayrNet Limited, a company incorporated in England and Wales (company number: 09883437) with its head office at "PayrNet, WeWork, 3 Waterhouse Square, 138 Holborn, London, EC1N 2SW, UK" and registered office at "Kemp House, 152 City Road, London, United Kingdom, EC1V 2NX" (hereinafter referred to in this Agreement as “Payrnet”, “we” “us”).
We are an Electronic Money Institution (“EMI”) and are authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011 (“EMR 2011”) (register reference 900594) for the issuing of electronic money.
Our relationship with Novus World ltd (Novus)
As an EMI, we have appointed Novus as a distributor of certain of our services. A distributor means a person who distributes or redeems electronic money on behalf of an electronic money institution but who does not provide payment services on behalf of the electronic money institution (as distributor is defined in the EMR 2011).
1. OUR TERMS
Interpreting this Agreement.
In order to easily understand the terms of this Agreement, please first refer to clause 3 which, amongst other things, sets out the meaning of capitalised terms used in this Agreement.
Why you should read it?
Please read this Agreement carefully before you agree to it, as its terms apply to the services provided by us. The Agreement explains many of your responsibilities to us and our responsibilities to you, how and when this Agreement can be terminated and the extent of our liability to you. If there are any terms that you do not understand or do not wish to agree to, please contact us. You should only complete the sign‑on procedures and agree to the terms of this Agreement if you agree to be bound by this Agreement.
2. INFORMATION ABOUT US AND HOW TO CONTACT US
Who we are.
Communications between us are to be in English.
How to contact us.
How we may contact you.
Some of the services we provide are subject to the Payment Services Regulations 2017.
“Consumer“ means an individual who, in entering into this Agreement, is acting for a purpose other than a trade, business or profession.
“Electronic Money” means electronically stored monetary value as represented by a claim against us.
“Regulations” means the Payment Services Regulations 2017 (SI 2017 No. 752).
“Safeguarded Account” means the bank account(s) belonging to us, which are separate to our own office bank accounts, into which we will receive money from you, or on your behalf, in return for the issuance of Electronic Money.
“Services” means the e-money account services.
4. TERM AND BECOMING A CLIENT
How can you agree to this Agreement?
When will you become a client of ours?
Our Services do not include the provision of advice.
6. ISSUING ELECTRONIC MONEY TO YOU
7. GENERAL LIMITATION OF LIABILITY
9. ESTABLISHING YOUR IDENTITY
When we may terminate or suspend this Agreement.
When you may terminate this Agreement.
Effect of Termination.
12. HOW WE MAY USE YOUR PERSONAL INFORMATION
How we may use your personal information.
Recording of telephone conversations.
Ensuring this Agreement is legally enforceable.
Even if we delay in enforcing under this Agreement, we can still enforce it later.
What if something unexpected happens?
If a court finds part of this Agreement illegal, the rest will continue in force.
We are not partners and neither of us may act as the other’s agent.
We can make amendments to this Agreement.
What happens if you are jointly a client of ours with another person?
Can you obtain a copy of this Agreement or additional information?
We may transfer this agreement to someone else.
You need our consent to transfer your rights to someone else (except that you can always transfer our guarantee).
Nobody else has any rights under this Agreement.
Which laws apply to this Agreement and where you may bring legal proceedings.
Our site is operated by Novus World Ltd (“Novus”, “we”, “us” or “our). We are incorporated and registered in England and Wales with company number 12558352 and have our registered office is at 71-75 Shelton Street, Covent Garden, London, WC2H 9JQ, England.
To contact us, please write us an email to email@example.com.
The content on our site is provided for general information only. It’s not intended to be taken as advice on which you should make any decisions. If you want advice, you must get it from a professional before doing, or not doing, anything on the basis of the content on our site.
Although we try to make sure the information on our site is current, we make no representations, warranties or guarantees, either express or implied, that the content on our site is accurate, complete or up-to-date.
We may update our site from time to time, and may change its content at any time. However, please note that any of the content on our site may be out of date at any given time, and we’re under no obligation to update it. We do not guarantee that our site, or any content on it, will be free from errors or omissions.
Our site is made available to you free of charge. We don’t guarantee that it, or any content on it, will always be available or uninterrupted. Your access to our site is permitted on a temporary basis. We can suspend, withdraw, discontinue or change all or any part of our site without notice. We are not liable to you if, for any reason, our site is unavailable at any time or for any period.
Our site is directed to people residing in the United Kingdom. We don’t claim that content available on, or through, our site is appropriate or available in other locations. We may limit the availability of our site or any of its services or products to any person or geographic area at any time. If you choose to access our site from outside the United Kingdom, you do so at your own risk.
We’re the owner or the licensee of all intellectual property rights contained on our site and in the material published on it. Those works are protected by laws and treaties around the world, including in relation to copyright and trademarks. All such rights are reserved.
You may print off one copy, and may download extracts, of any page(s) from our site for your personal use and you may draw the attention of others to content posted on our site.
You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text.
Our status (and that of any identified contributors) as the authors of content on our site must always be acknowledged.
You must not use any part of the content on our site for commercial purposes without obtaining a licence to do so from us.
To the extent permitted by law, we exclude all conditions, warranties, representations or other terms which may apply to our site or any content on it – expressed or implied.
We are not liable to any user for any loss or damage, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, even if foreseeable, in connection with any of the following (including but not limited to):
Use of, or inability to use, our site; or
Use of or reliance on any content displayed on our site.
Please note that we only provide our site for domestic and private use. You agree not to use our site for any commercial or business purposes and we have no liability to you for any loss of profit, loss of business, business interruption, or loss of business opportunity if you do.
We will not be liable for any loss or damage caused by a virus, distributed denial-of-service attack, or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of our site or to you downloading of any content on it, or on any website linked to it.
Our site sometimes contains links to other sites and resources provided by third parties. These links are provided for your information only. We have no control over the contents of those sites or resources. We assume no responsibility for the content of websites linked on our site. Such links should not be interpreted as endorsement by us of those linked websites. We will not be liable for any loss or damage that may arise from your use of them.
We do not guarantee that our site will be secure or free from bugs or malware. It’s up to you to configure your information technology, computer programmes and platform to access our site, and you should use your own virus protection software.
You must not misuse our site by knowingly introducing trojans, worms, logic bombs, any other malware (including viruses) or other material which is malicious or technologically harmful or detrimental, in any way to us, or any third party. You must not attempt to gain unauthorised access to our site, the server on which our site is stored, or any server, computer or database connected to our site. You must not attack our site via a denial-of-service attack or a distributed denial-of service attack. By breaching this provision, you would commit a criminal offence under the Computer Misuse Act 1990 and possibly other laws. We will report any such breach to the relevant law enforcement authorities and we will cooperate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use our site will cease immediately.
Novus is our UK registered trade mark in certain categories. You are not permitted to use it without our approval.
Novus World Ltd (“Novus”, “we”, “us” or “our”) are committed to protecting and respecting your privacy.
Please read the following carefully to understand our views and practices regarding your personal data and how we will treat it.
For the purpose of the EU General Data Protection Regulation 2016/679 (GDPR), the controller of your data is Novus World Ltd, a company registered in England and Wales under company number 12558352 whose registered office is at 71-75 Shelton Street, Covent Garden, London, WC2H 9JQ, England.
All your data will be held and used in accordance with the GDPR and any relevant national laws which implement the GDPR and any legislation that replaces it in whole or in part including the Data Protection Act 2018.
We may collect and process the following data about you:
Information you give us.
The information you give us may include your name; address; e-mail address; phone number; billing information, IBAN details and your payment card information personal identification (such as passports, driving licenses and other information required for us to carry out client background checks); date of birth; country of residence; your status as either a student or a professional; photographs; organisation details (if relevant); or other personally identifiable information in documents that you send us.
Information we collect about you.
Information we receive from other sources.
We use information held about you in the following ways:
Information you give to us.
Information we collect about you.
Information we receive from other sources.
We may combine this information with information you give to us and information we collect about you. We may us this information and the combined information for the purposes set out above (depending on the types of information we receive).
Where we receive personally identifiable information about you from our clients in the course of us providing legal services to our clients, we will only use it to the extent necessary for us to fulfil these legal services.
In accordance with GDPR, the main grounds that we rely upon in order to process your information are as follows:
Necessary for entering into or performing a contract.
Necessary for compliance with a legal obligation.
Necessary for the purposes of legitimate interests.
We may share your personal information with any member of our group from time to time, which means our subsidiaries, our ultimate holding company and its subsidiaries, as defined in section 1159 of the UK Companies Act 2006.
We may share your information with selected third parties including:
To the extent that any of your data is provided to third parties outside the EEA, or accessed by third parties from outside the EEA, we will ensure that appropriate safeguards are in place in accordance with the GDPR (such as the European Commission’s standard contractual clauses.
Unfortunately, the transmission of information via the internet is not completely secure. Although we will do our best to protect your personal data, we cannot guarantee the security of your data transmitted to our site; any transmission is at your own risk. Once we have received your information, we will use strict procedures and security features to try to prevent unauthorised access.
We will only retain your information for as long as necessary to fulfil the purposes we collected it for, including for the purposes of satisfying any legal, accounting or reporting requirements. The criteria that we use to determine retention periods will be determined by the nature of the data and the purposes for which it is kept, the sensitivity of the data and the potential risk of harm from unauthorised use or disclosure.
You have certain rights in relation to the personal data that we hold about you. Details of these rights and how to exercise them are set out below. Please note we will require evidence of your identity before we are able to respond to your request.
In such circumstances, you can ask us to transmit that information to you or directly to a third party organisation.
While we are happy for such requests to be made, we are not able to guarantee technical compatibility with a third party organisation’s systems. We are also unable to comply with requests that relate to personal information of others without their consent.
You can exercise any of these rights at any time by contacting us using the details in the ‘Contact’ section below.
Our site may, from time to time, contain links to and from the websites of our partner networks, advertisers and affiliate such as Stripe or our Facebook, Twitter, Instagram, LinkedIn or other social media pages. If you follow a link to any of these websites, please note that these websites have their own privacy policies and that we do not accept any responsibility or liability for these policies. Please check these policies before you submit any personal data to these websites.
In the limited circumstances where you may have provided your consent to the collection, processing and transfer of your information for a specific purpose, you have the right to withdraw your consent for that specific processing at any time. You can do this by contacting us using the details in the ‘Contact’ section below.
Once we have received notification that you have withdrawn your consent, we will no longer process your information for the purpose or purposes you originally agreed to, unless we have another legitimate basis for doing so in law.
If you are unhappy about our use of your information, you can contact us using the details in the Contact section below. You are also entitled to lodge a complaint with the UK Information Commissioner’s Office using any of the below contact methods:
Telephone: 0303 123 11113
Post: Information Commissioner’s Office
If you live or work outside of the UK or you have a complaint concerning our activities outside of the UK, you may prefer to lodge a complaint with a different supervisory authority. A list of relevant authorities in the EEA can be accessed here.
If you have any questions about how we collect, store or use your information, please contact us at firstname.lastname@example.org.
Cookies set by us are called “first party cookies”. Cookies set by parties other than us are called “third party cookies”. Third party cookies enable third party features or functionality to be provided on or through the website (e.g. advertising, interactive content and analytics). The parties that set these third party cookies can recognize your computer both when it visits the website in question and also when it visits certain other websites.
We use first party and third party cookies for several reasons. Some cookies are required for technical reasons in order for our site to operate, and we refer to these as “essential” or “strictly necessary” cookies. Other cookies also enable us to track and target the interests of our users to enhance the user experience on our site. Third parties serve cookies through our site for advertising, analytics and other purposes. This is described in more detail below.
The specific types of first and third party cookies served through our site and the purposes they perform are described below:
Cookies are not the only way to recognize or track visitors to a website. We may use other, similar technologies from time to time, like web beacons (sometimes called “tracking pixels” or “clear gifs”). These are tiny graphics files that contain a unique identifier that enable us to recognize when someone has visited our site or opened an e-mail that we have sent them. This allows us, for example, to monitor the traffic patterns of users within our site, to deliver or communicate with cookies, to understand whether you have come to our site from an online advertisement displayed on a third-party website, to improve site performance, and to measure the success of e-mail marketing campaigns. In many instances, these technologies are reliant on cookies to function properly, and so declining cookies will impair their functioning.
You have the right to decide whether to accept or reject cookies. You can prevent the setting of cookies by adjusting the settings on your browser (see your browser Help for how to do this). Be aware that disabling cookies will affect the functionality of this and many other websites that you visit. Disabling cookies will usually result in also disabling certain functionality and features of our site. Therefore it is recommended that you do not disable cookies.
You can learn how to manage cookies on your web browser by following the Browser Cookies Guide.
Used to detect and store the language settings of browsers.
Stripe is used to making credit card payments. Stripe_mid is used to remember who you are and to enable the website to process payments without storing any credit card information on its own servers.
The purpose of G_Authuser_H is to authenticate users, prevent fraudulent use of login credentials, protect user data from unauthorized parties, as well as remember your preferences and other information, such as your preferred language.
Sf-id is a session cookie to record encrypted authentication information for the duration of a specific session.
The cookie does not store other confidential user and session information, but instead implements more advanced security methods based on dynamic data and encoded session IDs.
G_ENABLED_IDPS remembers that you have visited a website and helps to improve the content you see. It also enables sharing content via social networks.
Novus Giveaway Prize Official Rules
The prize draw is free to enter and no purchase is necessary. A purchase will not increase your chances of winning.
The prize draw is open to all UK residents aged 18 years or over, except employees of the Promoter, their families, agents or any third party directly associated with the administration of the prize draw. Any effort by an entrant to misrepresent himself or herself through the use of aliases [or creating duplicate accounts on Social Media] will disqualify that entrant. Entrants who disregard these Official Rules are not eligible to participate or win. The Promoter’s determination of eligibility, in its sole discretion, shall be final.
How to Enter.
To participate in the Novus Gift Card Prize Draw (the "Promotion") for a chance to win a prize, eligible persons may receive an entry by:
Going to https://www.surveymonkey.co.uk/r/KM35DLK, (the “Promotion Site”) and completing the survey. Answers to all the questions must be provided to qualify.
Eligible persons who complete the Registration ("Participants") may submit one entry only at the Promotion Site from 9:00 AM BST on 30/03/2021 until 11:59 PM BST on 02/04/2021 (the "Entry Period"). Entries received after this time will not be valid. Promoter may reject any entry it believes is the result of fraud or was submitted in violation of the official rules. Promoter is not responsible for lost, late, damaged, mutilated, illegible, incomplete entries.
The Promoter accepts no responsibility for entries not successfully completed due to a technical fault, technical malfunction, computer hardware or software failure, satellite, network or server failure of any kind.
Conditions of Participation.
The odds of being selected are dependent on the number of entries received. At the end of the Promotion Period, the Promoter will randomly select 5 winners. The randomly drawn winners will each receive a gift card valued at £25. The Promoter reserves the right to replace the prize with an alternative prize of equal or higher value if circumstances beyond the Promoter’s control makes it necessary to do so. The prize for the winner is non-exchangeable, non-transferable and no cash alternative is offered. The decision of the Promoter regarding any aspect of the prize draw is final and binding and no correspondence will be entered about it.
Prize Winner Notification.
The winner will be notified by email or such other means of communication made available by the Participant in their Registration (using the details provided at entry) within 10 days of the drawing and the winner must provide a postal address or other contact means to claim their prize. Promoter may require the prize winners to provide it with a publicity release (except where prohibited), liability waiver and/or documentation to prove eligibility to participate in this Promotion prior to the delivery of any prize . If a winner does not respond to the Promoter within seven (7) days of being notified by the Promoter or is found to be ineligible or fails to execute documentation required by the Promoter, then the winner’s prize will be forfeited and the Promoter will be entitled to select another winner in accordance with the process described above. The Promoter does not accept any responsibility if you are not able to take up the prize.
Announcement of Winners.
The winner’s name and county can be obtained by sending a stamped addressed envelope to NOVUS ADDRESS OR an email to email@example.com within fifteen (15) days after the date of the closing date of the prize draw.
Limitation of Liability.
If we fail to comply with these Official Rules, we are responsible for loss or damage you suffer that is a foreseeable result of our breaking these Official Rules or our failure to use reasonable care and skill, but we are not responsible for any loss or damage that is not foreseeable. Loss or damage is foreseeable if either it is obvious that it will happen, or if, at the time the contract is made, both we and you knew it might happen. We are not responsible for any loss or damage you suffer which is a result of you breaking these Official Rules.
The limits on our liability to you under these Official Rules do not apply if you suffer loss as a result of: