Terms Of Use

What’s in these terms?

These terms tell you the rules for using our website bopay.co.uk (our site).
Click on the links below to go straight to more information on each area:

Who we are and how to contact us

bopay.co.uk is a site operated by Essential Finance Management Ltd t/a bopay (“We”). We are registered in England and Wales under company number 13041228 and have our registered office at Ollerbarrow House 209-211 Ashley Road, Hale, Altrincham, England, WA15 9SQ. Our main trading address is Ollerbarrow House 209-211 Ashley Road, Hale, Altrincham, England, WA15 9SQ. Our VAT number is 439 1096 85.
We are regulated by The Financial Conduct Authority under FRN 966198.
We are a limited company.
To contact us, please email [email protected] or telephone our customer service line on 0161 676 7924 (Standard geographic rates apply).

By using our site you accept these terms

By using our site, you confirm that you accept these terms of use and that you agree to comply with them.
If you do not agree to these terms, you must not use our site.
We recommend that you print a copy of these terms for future reference.

There are other terms that may apply to you

These terms of use refer to the following additional terms, which also apply to your use of our site:

– Our Privacy Policy.
– Our Acceptable Use Policy, which sets out the permitted uses and prohibited uses of our site.
– When using our site, you must comply with this Acceptable Use Policy.
– Our Cookie Policy, which sets out information about the cookies on our site.

We may make changes to these terms We amend these terms from time to time.
Every time you wish to use our site, please check these terms to ensure you understand the terms that apply at that time. These terms were most recently updated on 21st October 2023.
We may make changes to our site.
We may update and change our site from time to time to reflect changes to our products, our users’ needs or our business priorities. We will try to give you reasonable notice of any major changes.

What we do

We are an online lender providing a line of credit through a mobile app.

We may make changes to these terms

We amend these terms from time to time. Every time you wish to use our site, please check these terms to ensure you understand the terms that apply at that time. These terms were most recently updated on 8 November 2023.

Access to our website

You will be able to access parts of the Website without having to register any details with us. However, from time-to-time certain areas of this Website may be accessible only if you are a registered user.

You are responsible for making all arrangements necessary for you to have access to our Website. You are also responsible for ensuring that all persons who access our Website through your internet connection are aware of these terms, and that they comply with them.

We make reasonable efforts to ensure that this Website is available to view and use 24 hours a day throughout each year however, this is not guaranteed. The Website may be temporarily unavailable at any time because of server or systems failure or other technical issues; reasons that are beyond our control; required updating, maintenance or repair.

Where possible we will try to give you advance warning of maintenance issues but shall not be obliged to do so.

We may make changes to our site

We may update and change our site from time to time to reflect changes to our products, our users’ needs or our business priorities. We will try to give you reasonable notice of any major changes.

We may suspend or withdraw our site

Our site is made available free of charge.

We do not guarantee that our site, or any content on it, will always be available or be uninterrupted. We may suspend or withdraw or restrict the availability of all or any part of our site for business and operational reasons. We will try to give you reasonable notice of any suspension or withdrawal.

You are also responsible for ensuring that all persons who access our site through your internet connection are aware of these terms of use and other applicable terms and conditions, and that they comply with them.

We reserve the right to terminate or suspend your access to the Website immediately and without notice to you if:

– You breach the terms of these terms and conditions (repeatedly or otherwise).

– You are impersonating any other person or entity.

– When requested by us to do so, you fail to provide us within a reasonable time with sufficient information to enable us to determine the accuracy and validity of any information supplied by you, or your identity.

– We suspect you have engaged, or about to engage, or have in anyway been involved, in fraudulent or illegal activity on the Website.

We may transfer this agreement to someone else

We may transfer our rights and obligations under these terms to another organisation. We will always tell you in writing if this happens and we will ensure that the transfer will not affect your rights under the contract.

Our site is only for users in the United Kingdom

Our site is directed to people residing in the United Kingdom. We do not represent that content available on or through our site is appropriate for use or available in other locations.

You must keep your account details safe

– If you choose, or you are provided with, a user identification code, password or any other piece of information as part of our security procedures, you must treat such information as confidential. You must not disclose it to any third party.
– We have the right to disable any user identification code or password, whether chosen by you or allocated by us, at any time, if in our reasonable opinion you have failed to comply with any of the provisions of these terms of use.
– If you know or suspect that anyone other than you knows your user identification code or password, you must promptly notify us at [email protected].

How you may use material on our site

– We are the owner of all intellectual property rights in our site, and in the material published on it.
– Those works are protected by copyright laws and treaties around the world. 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 within your organisation 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 (except where the content is user-generated).
– You must not use any part of the content on our site for commercial purposes without obtaining a licence to do so from us or our licensors.
If you print off, copy, download, share or repost any part of our site in breach of these terms of use, your right to use our site will cease immediately and you must, at our option, return or destroy any copies of the materials you have made.

– You may not otherwise reproduce, modify, copy, or distribute or use for commercial purposes any of the materials or content on the Website.
– You acknowledge that any other use of the material and content of this Website is strictly prohibited and you agree not to (and agree not to assist or facilitate any third party to) copy, reproduce, transmit, publish, display, distribute, commercially exploit, or create derivative works from such material and content.

No licence is granted to you to use any of our trademarks or those of our affiliated companies.

No text or data mining, or web scraping

You shall not conduct, facilitate, authorise or permit any text or data mining or web scraping in relation to our site or any services provided via, or in relation to, our site. This includes using (or permitting, authorising or attempting the use of):
– Any “robot”, “bot”, “spider”, “scraper” or other automated device, program, tool, algorithm, code, process or methodology to access, obtain, copy, monitor or republish any portion of the site or any data, content, information or services accessed via the same.
– Any automated analytical technique aimed at analysing text and data in digital form to generate information which includes but is not limited to patterns, trends and correlations.
– The provisions in this clause should be treated as an express reservation of our rights in this regard, including for the purposes of Article 4(3) of Digital Copyright Directive ((EU) 2019/790).

This clause shall not apply insofar as (but only to the extent that) we are unable to exclude or limit text or data mining or web scraping activity by contract under the laws which are applicable to us.
This site, its content and any services provided in relation to the same is only targeted to, and intended for use by, individuals located in The United Kingdom . By continuing to access, view or make use of this site and any related content and services, you hereby warrant and represent to us that you are located in a Permitted Territory. If you are not located in a Permitted Territory, you must immediately discontinue use of this Website and any related content and services.

Do not rely on information on this site

The content on our site is provided for general information only. It is not intended to amount to advice on which you should rely. You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of the content on our site.
Although we make reasonable efforts to update the information on our site, we make no representations, warranties or guarantees, whether expressed or implied, that the content on our site is accurate, complete or up to date.

We are not responsible for websites we link to

Where our site contains links to other sites and resources provided by third parties, these links are provided for your information only. Such links should not be interpreted as approval by us of those linked websites or information you may obtain from them.

User-generated content is not approved by us

This website may include information and materials uploaded by other users of the site, including to social media pages, video-sharing sites, bulletin boards and chat rooms. This information and these materials have not been verified or approved by us. The views expressed by other users on our site do not represent our views or values.

How to complain about or report content

If you become aware of any material that could comprise or be connected to child sexual abuse or exploitation or
that could comprise terrorist content or be connected to terrorism, please contact us immediately at [email protected].
If you wish to complain about any other content, please contact us at [email protected].

Our responsibility for loss or damage suffered by you

Whether you are a consumer or a business user:

We do not exclude or limit in any way our liability to you where it would be unlawful to do so. This includes liability for death or personal injury caused by our negligence or the negligence of our employees, agents or subcontractors and for fraud or fraudulent misrepresentation.

If you are a business user:

We exclude all implied conditions, warranties, representations or other terms that may apply to our site or any content on it.
We will not be liable to you for any loss or damage, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, even if foreseeable, arising under or in connection with:

– use of, or inability to use, our site; or
– use of or reliance on any content displayed on our site.
– In particular, we will not be liable for:
– loss of profits, sales, business, or revenue;
– business interruption;
– loss of anticipated savings;
– loss of business opportunity, goodwill or reputation; or
– any indirect or consequential loss or damage.

You may not use the website for any of the following purposes;

– 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 defective digital content that we have supplied damages a device or digital content belonging to you and this is caused by our failure to use reasonable care and skill, we will either repair the damage or pay you compensation.  However, we will not be liable for damage that you could have avoided by following our advice to apply an update offered to you free of charge or for damage that was caused by you failing to correctly follow installation instructions or to have in place the minimum system requirements advised by us.

– You must bear the risk associated with the use of the internet. In particular, we will not be liable for any damage or loss caused by a distributed denial-of-service attack, any viruses trojans, worms, logic bombs, keystroke loggers, spyware, adware or other material which is malicious or technologically harmful that may infect your computer, peripheral computer equipment, computer programs, data or other proprietary material as a result of your use of the Website or you downloading any material posted or sold on the Website or from any website linked to it.

– We reserve the right to disclose such information to law enforcement authorities as we reasonably feel is necessary should you breach this agreement.

You may not use the website for any of the following purposes;

– Disseminating any unlawful, harassing, libellous, abusive, threatening, harmful, vulgar, obscene, or otherwise objectionable material.

– Transmitting material that encourages conduct that constitutes a criminal offence, results in civil liability or otherwise.

– Breaching any applicable local, national, or international laws, regulations, or code of practice.

– Gaining unauthorised access to other computer systems.

– Interfering with any other person’s use or enjoyment of the Website.

– Breaching any laws concerning the use of public telecommunications networks.

– Interfering with, disrupting or damaging networks or websites connected to the Website.

– Utilisation of data mining, robots or similar data gathering and extraction tools to extract (whether once or many times) for re-utilisation of any substantial parts of the Website.

– To transmit, or procure the sending of, any unsolicited or unauthorised advertising or promotional material or any other form of similar solicitation.

– To create and/or publish your own database that features all or substantial parts of the Website.

– Making, transmitting, or storing electronic copies of materials protected by copyright without the prior permission of the owner.

In addition, you must not;

– Knowingly introduce viruses, trojans, worms, logic bombs, keystroke loggers, spyware, adware, or other material which is malicious or technologically harmful to the Website.

– Attempt to gain unauthorised access to the Website, the server on which the Website is stored, or any server, computer or database connected to it.

– Attack the Website via a denial-of-service attack or a distributed denial-of service attack.

– Damage or disrupt any part of the Website, any equipment or network on which the Website is stored, or any software used for the provision of the Website.

– A breach of this clause may be a criminal offence under the Computer Misuse Act 1990. We may report any such breach to the relevant law enforcement authorities and disclose your identity to them. In the event of such a breach, your right to use the Website will cease immediately.

How we may use your personal information

We will only use your personal information as set out in our Privacy Policy.

We are not responsible for viruses and you must not introduce them

We do not guarantee that our site will be secure or free from bugs or viruses.
You are responsible for configuring your information technology, computer programmes and platform to access our site. You should use your own virus protection software.

Rules about linking to our site

– You may link to our home page, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it.
– You must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part where none exists.
– You must not establish a link to our site in any website that is not owned by you.
– Our site must not be framed on any other site, nor may you create a link to any part of our site other than the home page.
– We reserve the right to withdraw linking permission without notice.
– The website in which you are linking must comply in all respects with the content standards set out in our Acceptable Use Policy.
– If you wish to link to or make any use of content on our site other than that set out above, please contact [email protected].

Which country’s laws apply to any disputes?

If you are a consumer, please note that these terms of use, their subject matter and their formation, are governed by English law. You and we both agree that the courts of England and Wales will have exclusive jurisdiction except that if you are a resident of Northern Ireland you may also bring proceedings in Northern Ireland, and if you are a resident of Scotland, you may also bring proceedings in Scotland.
If you are a business, these terms of use, their subject matter and their formation (and any non-contractual disputes or claims) are governed by English law. We both agree to the exclusive jurisdiction of the courts of England and Wales.

Our trademarks are registered

bopay is a UK registered trade mark of Essential Finance Management Ltd. You are not permitted to use them without our approval, unless they are part of material you are using as permitted under How you may use material on our site .

Policies, procedures, measures and tools

Information on all restrictions imposed on the use of the service in policies, procedures, measures and by the use of content moderation tools, including algorithmic decision-making and human review, and rules of procedure of the service’s internal complaint handling system. host service provider’s policy for addressing the dissemination of terrorist content, including, where appropriate, a meaningful explanation of the functioning of specific measures, including, where applicable, the use of automated tools.

Mobile Application Supported Versions

Our bopay mobile app is supported on the following versions;

– Apple iOS; v13 and above.
– Android; v9 and above.

If you are unable to access our mobile apps on supported Apple or Android devices, you may sign-in and manage your account at https://bopay.co.uk/sign-in.