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Consumer Credit Trade Association
Secured Website

Terms and Conditions

1. The Website

1.1 Stop Go Networks Limited ® ("SGNL" "we", "us", "our") operate the Website (Payday Pig ®) .

1.2 The terms and conditions and disclaimers of the applicable agreement govern the use of all our products and services.

1.3 When using this Website, you agree to be bound by the following terms and conditions and disclaimers (the "Terms"). Please read the details set out below before using this Website.

2. No offer

2.1 Neither the opinion nor any information contained in our Website constitutes an offer to sell or solicitation or an offer to buy any financial instruments or any advice or recommendation with respect to such financial instruments.

3. Users

3.1 The Website is currently intended for those who are 18's and over and who access it from within the UK. We cannot guarantee that the Website or the information thereon complies with or is appropriate for use in other places outside the UK. You must be a UK resident.

3.2 You must be over eighteen (18) years of age to register with us. You must ensure that the details provided by you on registration or at any time are correct and complete. You must inform us immediately of any changes to the information that you provided when registering by updating your personal details.

3.3 You are wholly responsible for the use of the Website by any person using your computer and you must ensure that any such person complies with these Terms.

3.4 You will not knowingly transmit any virus or other harmful matter to the Website. You may not use any device or software to attempt to interfere or interfere with the proper working of the Website nor may you attempt to disassemble , de-compile, decipher or reverse engineer any of the software comprising or in any way making up the Website or any part of it.

4. Services

4.1. The Company's services include, but are not limited to, advertising other companies' credit offerings and effecting introductions between potential borrowers and lenders or other credit brokers in respect of secured and unsecured loans (the "Services"). In order to request a consumer credit loan from a selection of lenders, the Company invites you to complete an Application Form and transmits this completed Application Form to lenders and/or third parties (the "Advertising Partners").

4.2. The Company does not guarantee that completing an Application Form will result in you receiving a loan offer. Your request is not an application for credit from a specific lender or lenders but an expression of your interest in such products. Individual lenders may require you to complete their own application process and are solely responsible for deciding whether and on what terms to lend to you. Any examples of loan terms on our website are for illustrative purposes only.

4.3. The Company does not charge you any fees for the provision of the Services. If we provide services other than the Services we shall be entitled to charge a fee for those services. The Company will generally receive a brokerage fee from its Advertising Partners for the provision of the Services.

4.4. The Company is not a party to any contract made between you and the Advertising Partners for loans. All rights and obligations under the terms of the contract for a loan are solely between you and the relevant lender.

5. Disclaimers and Limitation of Liability

5.1 You have sole responsibility for adequate protection and back up of data and/or equipment and for undertaking reasonable and appropriate precautions to scan for computer viruses or other destructive properties. We do not represent or warrant that the Website will be available and meet your requirements, that access will be uninterrupted, that there will be no delays, failures, errors or omissions or loss of transmitted information, that no viruses or other contaminating or destructive properties will be transmitted or that no damage will occur to your computer system.

5.2 We shall not be liable for any losses or damages, whether direct or indirect, consequential or otherwise that you may suffer as a result of your use of the Website, including but not limited to computer service or system failure, access delays or interruption, data non-delivery or mis-delivery, computer viruses or other harmful components, breaches of security or unauthorised use of the system arising from "hacking" or otherwise or your reliance on the information contained on the Website. Information is provided on an "as is", "as available" basis and we do not give or make any warranty or representation of any kind, whether express or implied. The use of the Website and the materials contained in it are entirely at your own risk. We have taken reasonable steps to ensure the accuracy, availability correctness and completeness of the information contained on the Website.

5.3 The information, material and content provided in the pages of the Website may be changed at any time without notice. Changes may be made to the Terms at any time without notice by updating this posting. Any revised term shall take effect as at the date when the change is made to the Website. You agree to review the Terms regularly and your continued access to or use of the Website will mean that you agree to any changes.

5.4 Regarding any third party software that may be used in connection with the Website, we make no representations or warranties regarding the accuracy, functionality or performance.

5.5 Nothing in these Terms or in the pages of the Website shall limit our liability for death or personal injury arising out of our negligence, or for fraud, or for any other liability, which cannot be excluded or limited under applicable law.

6. Third party Websites

6.1 You are not entitled (nor will you assist others) to set up links from your own websites to the Website (whether by hypertext linking, deep-linking, framing, toggling or otherwise) without our prior written consent, which we may grant or withhold at our absolute discretion. You are also not entitled to direct link (also known as "Hot Link") any images or content without our prior written authorisation.

6.2 Links on the Website are provided to you only as a convenience and the inclusion of any link does not imply reliability and we do not necessarily endorse any pages linked to the Website. Accordingly, you should read the terms and conditions of those websites before using them and direct any questions or comments about the linked website's contents to the relevant website provider. Links contained in the Website might lead to other websites not under our control, and we accept no liability for the content or availability of any linked site which is not operated by us or any link contained in a linked site not operated by us.

7. Internet and Marketing

7.1 Cookies are files that identify your computer to our server. Cookies in themselves do not identify the individual user, just the computer used. Many sites do this whenever a user visits their site in order to track traffic flows. The Website makes use of cookies. Cookies themselves only record those areas of the site that have been visited by the computer and for how long. You may prevent the use of cookies by configuring your web browser accordingly, but please note that this may hinder some of the Website functionality.

7.2 Messages sent over the Internet cannot be guaranteed to be completely secure as they are subject to possible interception or loss or possible alteration. We are not responsible for any message lost, intercepted or altered by third parties and will not be liable to you or anyone else for any damages or otherwise in connection with any message sent by you to us or any message sent by us to you over the Internet.

7.3 SGNL uses individual information to provide promotional offers by post, email, SMS and telephone to individuals. Promotional offers include third party marketing messages as well as advertising from partners and affiliates of SGNL. SGNL may maintain separate marketing lists for different purposes. If recipients wish to end their marketing subscription from a particular list and/or to unsubscribe from all SGNL marketing lists, they need to follow the instructions at the end of each marketing message to unsubscribe.

7.4 The SGNL unsubscribe process impacts only the future delivery of electronic mailings disseminated by SGNL on its own behalf. You may still receive electronic mailings sent on behalf of Third Parties and your personal information may still be shared with Third Parties for use in offline marketing and data appends, including marketing appends.

7.5 You should also note that unsubscribing from SGNL electronic mailings will not automatically unsubscribe the subscriber's information from any Third Party business associates and licensees of the data. Since Third Party associates and licensee partners maintain separate databases from SGNL, and you will need to unsubscribe from each source individually, if desired. This allows you the freedom to pick and choose which subscriptions to maintain and which to discontinue.

8. Trade marks and copyright

8.1 You may temporarily store extracts, imprint, copy or download from our Website for your personal information or when you use our products and services. You may not republish, retransmit, redistribute or otherwise make such information or pages available to any other party or available on any website, on-line service or bulletin board of your own or of any other party or make the same available in hard copy or on any other media without our express prior written consent.

8.2 All copyright, trade marks and all other intellectual property rights in the Website and its content (including without limitation the pages screens, information and material) included in the Website and all software and source codes connected with the Website is owned by or licensed to SGNL unless otherwise noted.

8.3 No rights are granted in respect of any of the above trademarks. Our brands, products and logos and all referred to or detailed in the Website are the trademarks of, or licensed to, SGNL.

9. Data protection

9.1 We may, as a result of your interaction with the Website, hold and process personal and visitor information in accordance with our Privacy Policy.

9.2 We may collect details of your use and visits to our website including, but not limited to, traffic data, location data, key strokes, weblogs and other communication data. Some of the data we use will be collected using cookies in accordance with our Privacy Policy.

10. Governing law

10.1 The Terms are governed by and interpreted in accordance with the laws of England and Wales and the courts of the above jurisdiction will have non-exclusive jurisdiction in respect of any dispute, which may arise.

Representative Example: Amount of credit £200 borrowed for 28 days. Total amount payable £240.20, Interest: £40.20. Interest rate: 262% per annum fixed*. Representative 1261% APR

Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk.

If you are thinking of consolidating existing borrowing, you should be aware that you may be extending the terms of the debt and increasing the total amount you repay.