Website Terms and Conditions

Overview

Please read these Terms and Conditions (the “Terms”) carefully before using the www.cospay.com website (“the Website”) operated by COSPAY LIMITED (“COSPAY”, “us”, “we”, or “our”). These Terms outline the rules and regulations for the use of the Website. These Terms apply to all visitors, users and others who access or use the Website. By accessing or using the Website You agree to be bound by these Terms. Your access to and use of the Website is conditioned on Your acceptance of and compliance with these Terms. If You disagree with any part of the Terms You should not use the Website.

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 https://www.cospay.com/privacy. See further under How we may use your personal information.
  • Our Terms and Conditions https://ib.cospay.com/wallet/terms, which set out our terms of use.
  • Your Account

    In order to use the services offered by COSPAY, You may be required to create an account by registering Your details on our Website (the “Account”). All information You provide during the registration process or any time thereafter must be accurate and truthful. As part of the registration process You will need to accept a separate agreement governing the provision of our services to You (the “Agreement”). The aforementioned Agreement will supplement these Terms. Depending on the type of services you express desire to use, additional terms and conditions may apply. You must ensure that information recorded on Your Account is always accurate and up to date and we shall not be liable for any loss arising out of Your failure to do so. We may ask You at any time to validate the accuracy of Your information or to provide documents or other evidence to support this. We may request information from You or otherwise update inaccurate information You have provided to us and You should provide us with the requested information/documentation within the timeframe reflected in our request. You may only open one Account unless We explicitly approve the opening of additional accounts. Please be advised that if You violate these Terms (or provisions of the Agreement) we are entitled to close, suspend, or limit Your access to Your Account or our services

    Security Obligations

    You are responsible for keeping Your password and Account details safe. You must not disclose Your password or Account details to anyone else. If You think that You have lost Your password or Account details, that they have been stolen, or that someone has been using Your Account without Your permission, You must immediately notify us. You will be held responsible for any losses arising from the disclosure of Your details, in cases where You have not notified COSPAY. You must not allow any unauthorised third parties to use Your Account without our express written authorisation. Failure to comply with this condition will result in the closure of Your Account and will render You liable for any financial losses incurred by COSPAY. We are entitled to suspend Your Account, if we suspect that unauthorised or fraudulent use of Your Account has taken place or have other concerns regarding the security of Your Account. In this case we will notify You by email of the suspension, giving our reasons for it, unless this would reasonably compromise security measures or would otherwise be unlawful. Where we are able to do so, we will endeavour to notify You in advance of the suspension. If this is not possible, we will notify You immediately afterwards. As soon as practicable after the reasons for suspending Your Account cease to exist, we will reactivate Your Account or issue You with a new password. Possible exceptions to this are if we consider You to have been a party to the unauthorised use or to have been grossly negligent with the security of Your Account.

    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

    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 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. You must not misuse our site by knowingly introducing viruses, trojans, worms, logic bombs or other material that is malicious or technologically harmful. 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. We will report any such breach to the relevant law enforcement authorities and we will co-operate 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.

    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 and to request that You remove all links or any particular link to our Website. You agree to immediately remove all links to our Website upon such request.

    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. We have no control over the contents of those sites or resources.

    Governing Law

    These Terms shall be governed and construed in accordance with the laws of England and Wales, without regard to their conflict of law provisions. Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights. If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions of these Terms will remain in effect. These Terms constitute the entire agreement between You and us regarding Your use of our Website.

    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. 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.

    How we may use your personal information

    We will only use your personal information as set out in our https://www.cospay.com/privacy

    Cookies

    We do not use cookies on the Website.

    License

    COSPAY is an E-Money Institution that is licensed and authorized by the Financial Conduct Authority to issue e-money (Reference number 900088). COSPAY is authorised to provide associated e-money account services Unless otherwise stated. COSPAY and/or it’s licensors own the intellectual property rights for all material on the Website. All intellectual property rights are reserved. You may view pages from the Website for Your own personal use subject to restrictions set in these Terms. You must not (without our prior express permission):

  • Republish material from the Website;
  • Sell, rent or sub-license material from the Website;
  • Reproduce, duplicate or copy material from the Website;
  • Redistribute content from the Website (unless content is specifically made for redistribution)
  • No use of Iframes, text or data mining, or web scraping

    Without prior approval and express written permission, You may not create frames around our the Websites or use other techniques that alter in any way the visual presentation or appearance of our Website 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).

    Disclaimer

    To the maximum extent permitted by applicable law, we exclude all representations, warranties and conditions relating to our Website and the use of this Website (including, without limitation, any warranties implied by law in respect of satisfactory quality, fitness for purpose and/or the use of reasonable care and skill). This Website is provided “as is” without any representations or warranties, express or implied. COSPAY makes no representations or warranties in relation to the Website or the information and materials provided on this Website. Whilst COSPAY will try to ensure that the Website is of highest standard, we do not warrant that this Website will be constantly available, or available at all or the information on this Website is complete, true, accurate or non-misleading. We shall not be liable for any disruption or impairment of our services or for disruptions or impairments of intermediary services on which we rely for the performance of our obligations, provided that such disruption or impairment is due to abnormal and unforeseeable circumstances beyond our reasonable control or the control of the intermediary affected. In no event COSPAY will be liable for any damages, including, but not limited to direct or indirect damages arising from or in connection with the use of the Website. Nothing on this website constitutes, or is meant to constitute, advice of any kind. We shall not be liable for any indirect or consequential losses including but not limited to loss of profit, loss of business and loss of reputation. We shall not be liable for any losses arising from our compliance with legal and regulatory requirements. Nothing in this disclaimer will:

  • limit or exclude our or Your liability for fraud or fraudulent misrepresentation;
  • limit any of our or Your liabilities in any way that is not permitted under applicable law;
  • or exclude any of our or Your liabilities that may not be excluded under applicable law .
  • The limitations and exclusions of liability set out in this Section and elsewhere in this disclaimer:
  • are subject to the preceding paragraph;
  • and govern all liabilities arising under the disclaimer or in relation to the subject matter of this disclaimer, including liabilities arising in contract, in tort (including negligence) and for breach of statutory duty.
  • Indemnity

    You hereby indemnify and undertake to keep COSPAY indemnified against any losses, damages, costs, liabilities and expenses (including without limitation legal expenses and any amounts paid by COSPAY to a third party in settlement of a claim or dispute on the advice of COSPAYS’s legal advisers) incurred or suffered by COSPAY and arising out of any breach by You of any provision of these Terms, or arising out of any claim that You have breached any provision of these Terms. You remain liable under these Terms in respect of all charges and other amounts incurred through the use of Your Account at any time, irrespective of termination, suspension or closure.

    Changes

    We reserve the right, at our sole discretion, to modify or replace these Terms at any time. We will post these changes on the Website. It is your sole responsibility to periodically check the Term for any changes. By continuing to access or use our Website after those changes have been made, you agree to be bound by the revised Terms. If you do not agree to the new Terms, please stop using the Website.

    Contact Information

    If You have any queries regarding any of our Terms or services, please do not hesitate to contact us at [email protected]