Website Terms and Conditions of Use

Important - Your Personal Information

Credit decisions and also the prevention of fraud and money laundering.
We may use credit reference and fraud prevention agencies to help us make decisions. A short guide to what we do and how both we and credit reference and fraud prevention agencies will use your information is detailed below in the section called: A condensed guide to the use of your personal information by ourselves and at Credit Reference and Fraud Prevention Agencies. 

If you would like to read the full details of how your data may be used please visit idosh.com/data-protection/ or eMail us at: help@idosh.com

The information we collect is used by us to manage your account and to make collections; it is also used to contact consumers for marketing purposes; it is disclosed by us when legally required to do so at the request of government authorities conducting an investigation; we also use it to verify or enforce compliance with the policies governing our web site and applicable laws or to protect against misuse or unauthorised use of our web site.

A condensed guide to the use of your personal information by ourselves and at Credit Reference and Fraud Prevention Agencies

1) When you apply to us to open an account, this organisation will check the following records about you and others (see 2 below)
a) Our own;
b) those at credit reference agencies (CRAs).  When CRAs receive a search from us they will place a search footprint on your credit file that may be seen by other lenders. They supply to us both public (including the electoral register) and shared credit and fraud prevention information.
c) those at fraud prevention agencies (FPAs).

We will make checks such as; assessing this application for credit and verifying identities to prevent and detect crime and money laundering. We may also make periodic searches at CRAs and FPAs to manage your account with us.

2) Information on applications will be sent to CRAs and will be recorded by them. Where you borrow from us, we will give details of your accounts and how you manage it/them to CRAs.  If you borrow and do not repay in full and on time, CRAs will record the outstanding debt. This information may be supplied to other organisations by CRAs and FPAs to perform similar checks and to trace your whereabouts and recover debts that you owe. Records remain on file for 6 years after they are closed, whether settled by you or defaulted.

3) If you give us false or inaccurate information and we suspect or identify fraud we will record this and may also pass this information to FPAs and other organisations involved in crime and fraud prevention.

4) If you have borrowed from us and do not make payments that you owe us, we will trace your whereabouts and recover debts.

5)  We and other organisations may access and use from other countries the information recorded by fraud prevention agencies.

6) Your data may also be used for other purposes for which you give your specific permission or, in very limited circumstances, when required by law or where permitted under the terms of the Data Protection Act 1998.

How to find out more

This is a condensed version and if you would like to read the full details of how your data may be used please visit our website or eMail us at info@idosh.com

You can contact the CRAs currently operating in the UK; the information they hold may not be the same so it is worth contacting them all. They will charge you a small statutory fee.

• CallCredit, Consumer Services Team, PO Box 491, Leeds, LS3 1WZ or call 0870 0601414

• Equifax PLC, Credit File Advice Centre, PO Box 3001, Bradford, BD1 5US or call 0870 010 0583  or log on to www.myequifax.co.uk

• Experian, Consumer Help Service, PO Box 8000, Nottingham NG80 7WF or call 0844 481 8000 or log on to www.experian.co.uk.

• Teletrack UK Limited,  6th Floor (South Tower), 26 Elmfield Road, Bromley, Kent BR1 1WA

Please contact us at iDosh, 28-32 Wellington Road, St Johns Wood, NW8 9SP London if you want to receive details of the relevant fraud prevention agencies.

Information held about you by the Credit Reference Agencies may already be linked to records relating to your partner(s).  For the purposes of this application you and your partner(s) are financially independent and you request that your application be assessed without reference to any “associated” records, although you recognise that this may adversely affect the outcome of your application.  You believe that there is no information relating to your partner(s) that is likely to affect our willingness to offer financial services to you.  You authorise us to check the validity of this declaration with Credit Reference Agencies and if we discover any associated records, which would affect the accuracy of this declaration we may decide not to proceed with the application on this basis.

1 TERMS OF WEBSITE USE

1.1 These terms tell you, the customer ("you", "your") the Terms and Conditions of Use ("Terms of Use") which, together with our Privacy Policy, govern your use of this website www.idosh.com ("our Site"), owned, operated, licensed, and controlled by Cashfoundry Limited referred to herein as “Cashfoundry" and by the words “we”, “us” and “our”).
1.2 Please read these Terms of Use carefully before you start to use our Site.
1.3 By using our Site, you indicate that you accept these Terms of Use and that you agree to abide by them. If you do not agree to these Terms of Use, please refrain from using our Site.

2 INFORMATION ABOUT US

2.1 Our Site is operated by Cashfoundry. We are registered in England and Wales under company number 07551380 and have our registered office 28-32 Wellington Road St Johns Wood NW8 9SP. Our principal place of business is 28-32 Wellington Road St Johns Wood NW8 9SP
2.2 We are regulated by the Office of Fair Trading under the Consumer Credit Act 1974; holding a consumer credit licence number 0644905.
2.3 We are registered with the Information Commissioner's Office in compliance with the Data Protection Act of 1998. Our registration number is Z2784366.
2.4 You can contact us by email at help@idosh.com or by telephone on 0845 124 5357.

3 ACCESSING OUR SITE

3.1 Access to our Site is permitted on a temporary basis, and we reserve the right to withdraw or amend the service we provide on our Site without notice. We will not be liable if for any reason our Site is unavailable at any time or for any period.

3.2 Javascript must be enabled on your computer for you to be able to use our site
3.3 From time to time, we may restrict access to some parts of our Site, or the entirety of our Site, to users who have registered with us.
3.4 If 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, and 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 opinion you have failed to comply with any of the provisions of these Terms of Use.
3.5 You are responsible for making all arrangements necessary for you to have access to our Site. You are also responsible for the use of our Site by any person using your computer. By accessing our Site any person using your computer agrees to be bound by these Terms of Use. You are responsible for ensuring that all persons who access our Site through your Internet connection and on your computer are aware of these Terms of Use and that they comply with them.  If we receive information from your computer that we suspect is sent as a result of any misuse of your computer, or we suspect that the information has otherwise been tampered with, we reserve the right to decline any loan application from your computer.

4 AGE

4.1 The services and products that we provide on our Site are intended for those over 18 years of age only, and information contained on our Site does not amount to an invitation to clients who are under 18 to buy any services or products. All transactions for the supply of services concluded through our Site are governed by the Terms of Use.

5 INTELLECTUAL PROPERTY

5.1 Our Site, the content, any materials downloaded, and all intellectual property pertaining to or contained on our Site (including but not limited to copyrights, patents, database rights, graphics, designs, text, logos, trade dress, trademarks and service marks) are owned by or licensed to us and all right, title and interest therein shall remain the property of Cashfoundry (collectively, the "Content"). All Content is protected by copyright, patent and trademark laws, and various other intellectual property rights and unfair competition laws.
5.2 You are authorised solely to view and retain a copy of the pages of our Site for your own personal, non-commercial use. You may also view and make copies of relevant documents, pages, images or other materials on our Site for the purpose of transacting business with Cashfoundry
5.3 You agree that you will not duplicate, publish, modify, create derivative works from, participate in the transfer of, post on the World Wide Web, or in any way distribute or exploit our Site, or any portion of our Site for any public or commercial use without the our express written consent.
5.4 Additionally, you agree that you will not (i) remove or alter any author, trademark or other proprietary notice or legend displayed on our Site (or printed pages produced from our Site); and (ii) make any other modifications to any documents obtained from our Site other than in connection with completing information required to transact business with Cashfoundry

6 SITE SECURITY

6.1 You must not misuse our Site by knowingly introducing viruses, trojans, worms, logic bombs or other material which 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.
6.2 Such unauthorised use of our Site may give rise to a claim for damages and/or be 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 without further notice.
6.3 We will not be liable for any loss or damage caused by a distributed denial-of-service attack, viruses or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of our Site or to your downloading of any material posted on it, or on any website linked to it.

7 PRIVACY

7.1 Our Privacy Policy applies to use of our Site, and its terms are made a part of these Terms of Use by this reference.
7.2 Additionally, by using our Site, you acknowledge and agree that Internet transmissions are never completely private or secure. You understand that any message or information you send to our Site may be read or intercepted by others, notwithstanding our efforts to protect such transmissions. We are not responsible for any messages which are lost, altered by third parties or intercepted and we 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 by us to you via the Internet.
7.3 Our Site makes use of cookies. Cookies are files which our server uses to identify your computer. Cookies cannot identify which person is using the computer. The cookies we use record which parts of our Site are being visited and for how long.
7.4 The Privacy and Electronic Communications (EC Directive) (Amendment) Regulations 2011 requires that cookies can only be placed on a computer where the user has given their express consent. You can choose to accept or decline cookies when you first access our Site. We require you to indicate your choice via an automated "pop-up" box, which explains the cookies we use and what we use them for. Most web browsers automatically accept cookies, but you can also usually modify your browser setting to decline cookies if you prefer. If you decline to accept our use of cookies or set your web browser to decline their use, you will have only limited functionality in the use of our Site and we may decline any loan application. Our Privacy Policy contains further guidance on our use of cookies.

7.5 For security in order to help detect possible instances of unauthorised transactions and in the prevention of fraud, we also collect information about your computer, including the IP address, operating system and browser type and other identifying information about the computer you use to access our Site.
7.6 Logos, trademarks, images, etc. are the property of Cashfoundry unless otherwise noted and may not be copied, used, linked, disseminated, etc. without Cashfoundry's prior express written approval. Requests for approval should be directed to help@idosh.com or Cashfoundry Limited, Wellington Building, Suite 10/11, Wellington Road, St Johns Wood, London NW8 9SP.

8 DATA PROTECTION

8.1 As a result of your interaction with our Site, we may collect, hold and process personal information provided by you.
8.2 By using our Site to transmit personal data, you consent to such processing and you warrant that information provided by you is accurate.
8.3 We may hold personal information for various purposes, including making lending decisions, preventing fraud, debt collection, understanding your personal needs, conducting our business, providing you with better products, evaluating the effectiveness of our marketing and for statistical analysis.
8.4 Any personal data we process about you will be processed in accordance with our Privacy Policy and by using our Site to transmit personal data you consent to such processing and you warrant that information provided by you is accurate.

9 DISCLAIMERS

9.1 We do not promise that our Site or any content, document or feature of our Site will be error-free or uninterrupted, or that any defects will be corrected or that your use of our Site will provide specific results.
9.2 The material on our Site could include technical inaccuracies or typographical errors. Our Site and its content are delivered on an "as-is" and "as-available" basis. All information provided on our Site is subject to change without notice.  We cannot ensure that any files, documents or other data you download from our Site will be free of viruses or contamination or destructive features.
9.3 We disclaim all warranties, express or implied, including any warranties of accuracy, non-infringement, merchantability and fitness for a particular purpose.
9.4 Commentary and other materials posted on our site are not intended to amount to advice on which reliance should be placed. We therefore disclaim all liability and responsibility arising from any reliance placed on such materials by any visitor to our site, or by anyone who may be informed of any of its contents.
9.5 We disclaim any and all liability for the acts, omissions and conduct of any third parties in connection with or related to your use of our Site. You assume total responsibility for your use of our Site and any linked sites.

10 OUR LIABILITY

10.1 The material displayed on our Site is provided without any guarantees, conditions or warranties as to its accuracy. To the extent permitted by law, we, other members of our group of companies and third parties connected to us hereby expressly exclude:
10.1.1 All conditions, warranties and other terms which might otherwise be implied by statute, common law or the law of equity.
10.1.2 Any liability for any direct, indirect or consequential loss or damage incurred by any user in connection with our Site or in connection with the use, inability to use, or results of the use of our Site, any websites linked to it and any materials posted on it, including:
(i) loss of income or revenue;
(ii) loss of business;
(iii) loss of profits or contracts;
(iv) loss of anticipated savings;
(v) loss of data;
(vi) loss of goodwill;
(vii) wasted management or office time; and
(viii) whether caused by tort (including negligence), breach of contract or otherwise, even if foreseeable, provided that this condition shall not prevent claims for loss of or damage to your tangible property or any other claims for direct financial loss that are not excluded by any of the categories set out above.
10.2 This does not affect our liability for death or personal injury arising from our negligence, or our liability for fraudulent misrepresentation or misrepresentation as to a fundamental matter, or any other liability which cannot be excluded or limited under applicable law.

11 INDEMNITY

11.1 By using our Site, you agree to defend, indemnify, and hold harmless Cashfoundry from and against any and all losses, claims, damages, costs and expenses (including reasonable legal and accounting fees) that Cashfoundry may become obliged to pay, arising or resulting from your use of our Site, the Content, or your breach of these Terms of Use. Cashfoundry reserves the right to assume or participate, at your expense, in the investigation, settlement and defence of any such action or claim.

12 LINKING TO AND FROM OUR SITE

12.1 Our Site may contain links to websites maintained by third parties. Cashfoundry is not responsible for the content, availability or privacy policies of those sites, and the existence of such links should not be considered an endorsement or recommendation of those sites or of any product or service offered on those sites or of any party that is associated with those sites.
12.2 Please note that other websites and web pages linked to our Site may be governed by separate terms and conditions, including privacy policies. You should refer to the applicable terms and conditions of those websites and web pages before using them and you should direct any questions or comments about the linked website to the appropriate website provider.
12.3 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, but 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
12.4 You must not establish a link from any website that is not owned by you.
12.5 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.
12.6 If you wish to make any use of material on our Site other than that set out above, please address your request to help@idosh.com or Cashfoundry Limited, 28-32 Wellington Road, St Johns Wood, London NW8 9SP.

13 LAW AND JURISDICTION

13.1 Your use of our Site and these Terms of Use are governed by the Laws of England and Wales whose courts have exclusive jurisdiction of any disputes that may arise under or in connection with the Terms of Use.
13.2 However, we retain the right to bring proceedings against you for breach of these Terms of Use in your country of residence or other relevant country.

14 MISCELLANEOUS

14.1 Any failure by Cashfoundry to exercise any rights or enforce any of these Terms of Use shall not constitute a waiver of such rights or terms.
14.2 If any provision of these Terms of Use or their application in a particular circumstance is held to be invalid or unenforceable to any extent, the remainder of these Terms of Use, or the application of such provision in other circumstances, shall not be affected thereby, and each provision hereof shall be valid and enforced to the fullest extent permitted by law.
14.3 These Terms of Use constitute the entire agreement between you and Cashfoundry with regard to your use of our Site, and any and all other written or oral agreements or understandings previously existing between you and Cashfoundry with respect to such use are hereby superseded and cancelled.

15 COMPLAINTS

15.1 Should you wish to make a complaint about material which appears on our Site, please contact help@idosh.com or Cashfoundry Limited, 28-32 Wellington Road, St Johns Wood, London NW8 9SP.