Terms of use

1. These terms

1.1. What these terms cover. These are the terms and conditions on which we make funds available to you using our MasterCard virtual card, up to a specified amount, which are free of interest or fees and which are for you to spend with our network of retailers through our website or app (Funds).

1.2. Our MasterCard virtual card. Our MasterCard virtual card is issued by Cashflows Europe Limited (company number 05428358),a company registered in England and Wales whose registered office is atCpc1 Capital Park, Fulbourn, Cambridge, CB21 5XE. Cashflows Europe Limited is authorised in the UK by the Financial Conduct Authority (register reference 900006) under the Electronic Money Regulations 2011 for the issuing of electronic money and the provision of payment services.

1.3. Why you should read them. Please read these terms carefully before you register with us, and each time you make a purchase using Funds. These terms tell you who we are, how we will make Funds available to you, how you and we may change or end the contract (either the contract you entered into by registering with us, or any individual contracts in relation to specific Approved Transactions), what to do if there is a problem and other important information. If you think that there is a mistake in these terms, please contact us to discuss.

1.4 Accepting these terms. You will be required to accept and agree to the then current version of these terms:

(a) When you register with us. These terms will apply to your registration with us and the management of your account outside of each Approved Transaction.

(b) Each time you use Funds for a transaction. Once you have accepted these terms, and once we approve each new proposed transaction (which will then be an Approved Transaction), a new contract will be formed on the then current version of these terms, in respect of each new Approved Transaction.

1.5. We may change these terms. We may change these terms at any time and for any reason in respect of future transactions. The amended terms will be available on our website and app and will be emailed to you, and you will be required to accept them in respect of future transactions. Please note that we will never change the terms without your agreement for an Approved Transaction that has already been processed.

1.6. Cashback Services. If you register for or otherwise use the Cashback Services (as defined in schedule 1), the terms in Schedule 1 will apply to your use of the Cashback Services. In the event of any conflict between Schedule 1 and the rest of these terms, only so far as they relate to the Cashback Services, the terms of Schedule 1 will prevail.

2. Information about us and how to contact us

2.1. Who we are. Zilch Technology Limited (company number 11488502) (weand us) is a company registered in England and Wales and our registered office is at Suite S7 Seven Hills Business Centre Morley, Leeds, United Kingdom, LS27 8AT. We operate the website payzilch.com.

2.2. How to contact us. You can contact our customer service team by emailing us at support@payzilch.comor writing to us at Central Working, Eccleston Yards off, Eccleston Place, London SW1W 9AZ, United Kingdom, or call us on +44 (0) 20 3405 9770

2.3. How we may contact you. If we have to contact you, we will do so by telephone or by writing to you at the email address or postal address you provided to us when you registered with us.

2.4. “Writing” includes emails. When we use the words “writing” or “written” in these terms, this includes emails.

3. Registering with us

3.1. Registering. Please follow the onscreen prompts to register with us. You must provide a continuous payment authority in accordance with clause 5(a)’s part of the registration process You may only use our services once you are registered, and we are under no obligation to accept your application to register. You must be at least 18 years of age to register and use our services.

3.2. Correcting input errors. Our registration process allows you to check and amend any errors before submitting your registration application to us. Please check the application carefully before confirming it. You are responsible for ensuring that your application is complete and accurate.

3.3. Acknowledging receipt of your registration application. After you submit your application, you will receive an email from us acknowledging that we have received it, but please note that this does not mean that you are registered with us. Our acceptance of your application, at our discretion, will take place as described in clause 3.4.

3.4. Accepting your application. Our acceptance of your application takes place when we send a registration email to you and you accept it.At which point, you will be registered with us and will be eligible to make Approved Transactions using Funds in accordance with the then current version of these terms.

3.5. Credit checks. Before we accept your application, we may carry out relevant credit checks with credit reference agencies, and identification verification checks.

3.6. Security of your account. Ensuring the security of your account and login details is your responsibility. Except to the extent that we have not taken reasonable steps to protect against such unauthorised access or use, we will not have any responsibility or liability in the event of unauthorised access or use of your account with us, or use of any Funds through your account.

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