These terms and conditions (the "Terms") govern your access to and use of the website located at www.payg8.com (the "Website") and any consultancy, introduction, or programme management services provided by PAYG8 Ltd ("PAYG8", "we", "us" or "our").
PAYG8 Ltd is a company registered in England and Wales under company number 16514809, with its registered office at 51 Moorgate, London, EC2R 6BH, United Kingdom. You can contact us at cs@payg8.com.
By accessing the Website, submitting an enquiry, or engaging us for consultancy or introduction services, you confirm that you have read, understood, and agreed to be bound by these Terms. If you do not agree, you must not use the Website or our services.
PAYG8 is an independent financial consultancy. We do not hold client funds, we do not operate payment accounts, and we do not provide regulated payment, electronic money, or foreign exchange services in our own name.
Where we describe banking, multi-currency IBAN, foreign exchange, or payment services on the Website or in our communications, those services are provided by our regulated partners under their own terms and conditions and under their own regulatory authorisations. In particular:
If you proceed to open an account or use any payment, e-money, or FX service through one of our partners, your contractual relationship in respect of those services is with that partner. You should read and accept that partner's terms and conditions, fee schedule, and privacy notice before using their services. PAYG8 is not a party to that contract and is not liable for the performance of services delivered by any partner.
Nothing on the Website constitutes investment advice, tax advice, legal advice, or a personal recommendation. Information is provided for general information purposes only. You should obtain independent professional advice before making any financial decision.
The Website and our services are intended for use by businesses and individuals aged 18 or over. By using the Website or engaging us, you represent that:
Subject to these Terms and any separate engagement letter or service agreement signed between us, PAYG8 may provide some or all of the following:
The exact scope of services, deliverables, fees (if any), and timeframes will be set out in a separate written engagement or, where applicable, governed by the terms of the partner whose services are being arranged.
Before any introduction is completed or any partner account is opened, you (and any beneficial owner, director, or authorised representative, where applicable) will be required to complete identity verification, know-your-customer ("KYC"), know-your-business ("KYB"), and source-of-funds or source-of-wealth checks. These checks may be conducted by us, by a partner, or by a third-party verification provider acting on our or a partner's behalf.
You agree to:
We reserve the right to decline an introduction, suspend our services, or terminate our engagement (and to notify the relevant partner accordingly) where we have reasonable concerns about financial-crime risk, sanctions exposure, or the accuracy of information provided. We may be legally obliged to make a report to the National Crime Agency or another competent authority and, where this applies, we may be prohibited by law from disclosing that fact to you.
You may use the Website only for lawful purposes. You must not:
We may suspend or terminate your access to the Website at any time without notice if we reasonably believe you have breached these Terms.
All intellectual property rights in the Website and its content (including text, graphics, logos, the "PAYG8" name and brand, design, layout, and software) are owned by PAYG8 or our licensors. You are granted a limited, non-exclusive, non-transferable, revocable licence to access and view the Website for your personal or internal business purposes. You may not copy, reproduce, republish, modify, distribute, or commercially exploit any content from the Website without our prior written consent.
The Website may contain links to third-party websites or resources, and may describe services provided by third parties. Such links and descriptions are provided for your convenience only. We do not control, endorse, or accept responsibility for the content, products, or services of any third party. Your use of any third-party website or service is at your own risk and subject to that third party's terms.
The Website and its content are provided on an "as is" and "as available" basis. To the fullest extent permitted by applicable law, we exclude all conditions, warranties, representations, and other terms which might otherwise be implied by statute, common law, or the law of equity.
We do not warrant that the Website will be uninterrupted, error-free, secure, or free from viruses or other harmful components, or that any information on the Website is accurate, complete, or up-to-date.
Nothing in these Terms shall limit or exclude our liability for: (a) death or personal injury caused by our negligence; (b) fraud or fraudulent misrepresentation; or (c) any other liability that cannot be limited or excluded by applicable law.
Subject to the paragraph above, and to the fullest extent permitted by law:
You agree to indemnify and hold us harmless from and against any losses, damages, costs, and expenses (including reasonable legal fees) arising out of or in connection with: (a) your breach of these Terms; (b) your misuse of the Website; (c) your breach of any applicable law or regulation; or (d) any inaccurate or misleading information you provide to us or to any partner.
Each party shall keep confidential any non-public information disclosed by the other in connection with our services and shall use such information only for the purposes of these Terms. This obligation does not apply to information that is or becomes publicly available without breach, was already lawfully known, is independently developed, or is required to be disclosed by law, regulation, or a competent authority.
If you have a complaint about the Website or our consultancy services, please contact us in the first instance at cs@payg8.com. We will acknowledge your complaint promptly and aim to provide a substantive response within 15 business days.
Complaints relating to a regulated payment, e-money, or FX service should be raised with the partner that provides that service, in accordance with their complaints procedure. Where the partner is FCA-authorised, you may also have the right to refer an unresolved complaint to the Financial Ombudsman Service.
Either party may terminate the consultancy or introduction relationship at any time on written notice. We may terminate or suspend your access to the Website and our services with immediate effect if: (a) you breach these Terms; (b) we are required to do so by law or by a competent authority; or (c) we have reasonable grounds to suspect financial-crime, sanctions, or fraud risk. Termination does not affect any rights or obligations that have accrued prior to termination, including any continuing obligations of confidentiality, indemnity, or limitation of liability.
We may update these Terms from time to time. The "Last updated" date at the top of this page shows when they were last revised. Continued use of the Website after changes are posted constitutes your acceptance of the updated Terms.
If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions shall continue in full force. Our failure to enforce any provision is not a waiver of that provision. You may not assign or transfer your rights or obligations under these Terms without our prior written consent. These Terms do not create any partnership, joint venture, or agency relationship between us.
These Terms and any dispute or claim (including non-contractual disputes or claims) arising out of or in connection with them shall be governed by and construed in accordance with the laws of England and Wales. The courts of England and Wales shall have exclusive jurisdiction to settle any such dispute or claim.