The Agreement

By using our website and comparison technology you are agreeing to these terms and conditions so that we can deliver quotations for card processing services from our suppliers. If you do not agree to these terms of use, please do not use our website.

Our service

We provide an online price comparison engine, designed to save you time and money when it comes to reviewing your card processing services. We provide details of products but do not offer advice or make recommendations. We will ask questions to source quotations from suppliers, but you will need to make your own choice about how to proceed. For each quotation we source, we will provide you with an estimate of the monthly cost based solely on the inputs you have provided and rates provided by our suppliers. Our suppliers have contractually agreed with us to honour these rates to you but in the unlikely event that you find otherwise, then please contact us and we will investigate. Because our quotations are estimates based on your inputs then the actual cost may vary if the number or value of card transactions actually processed by you, or the type of card or method of capture, varies from your inputs. Our comparison engine caters for the vast majority of card processing costs that a UK business will incur, however if you have specific requirements, for example chargebacks, refunds or international cards and these are not included in our input form then their cost will not be included in the estimates we provide. Our suppliers’ Terms and Conditions should provide full detail of all charges to which you may be liable.

After completing the input form via our website, you agree that you will receive further emails from us. These emails will ask you to validate your email address and will remind you of expiration of your quotations. Should you select a supplier via our website we will email you to update you on the status of your application.

The company

Cardswitcher.co.uk is the trading name of Beneva Limited which is a limited company registered in England and Wales, registration number 8041050, registered address Beneva Limited, 83 Ducie Street, Manchester, M1 2JQ, United Kingdom. Beneva Limited has no beneficial interest in and is therefore independent from any suppliers who use our website. Our comparison results pages are always ordered according to price (lowest first) and this is never compromised by affiliation with any supplier. Beneva Limited receives commission from any supplier who is selected via our website.

Your responsibilities

You are responsible for the accuracy of information provided to us. If you select a supplier via our website, it is that supplier (and their suppliers and partners) that you will contract with and not Beneva Limited. You are responsible for ensuring you read the supplier’s terms and conditions to check that you understand and agree with them.

As part of their application process our suppliers may conduct a credit search on you or your business. Every credit search performed may affect your credit scoring. If you have any concerns regarding a credit search then you should contact your supplier or email our customer service team at support@cardswitcher.co.uk.

Complaints

If you have a complaint please email us at support@cardswitcher.co.uk and we will investigate immediately.

Our liability

We are not responsible to you for:-
a. any losses you suffer because the information you input to our website is inaccurate or incomplete; or
b. any losses you suffer because our website is not working adequately; or
c. any losses you suffer if the rates at which you contract with a supplier are not the same as those contained within quotes sourced by us; or
d. any losses you suffer because you cannot use our price comparison website at any time; or
e. any losses you suffer through connecting to any linked third party websites or any statements, information, content, products or services that are published on, or may be accessible from, any linked third party website and we do not guarantee that they are free from viruses or anything else that could be infectious or destructive; or
f. any errors or omissions in our website; or
g. any losses you may suffer by relying on any commentary or postings on our website; or
h. any loss or damage caused by 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 website or to your downloading of any material posted on it, or on any website linked to it; or
i. the privacy policies and practices of other linked third party websites, even if you access them using links from our website. Any unauthorised access or loss of personal information that is beyond our control.

Access to our website

We reserve the right to withdraw or amend the service we provide on our website without notice. From time to time, we may restrict access to some parts of our website, or our entire website, to users who have registered with us. We have the right to disable or remove access from any user at any time.

If you are provided with, a user name, 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.

You are responsible for making all arrangements necessary for you to have access to our website. You are also responsible for ensuring that all persons who access our website through your internet connection are aware of these terms, and that they comply with them.

Links to other websites

We provide links to third party websites as part of our service. We accept no liability for any statements, information, content, products or services that are published on, or may be accessible from, these third party websites. We can also give no guarantee they are free from viruses or anything else that could be infectious or destructive.

Commercial use

Please note this website is for non-commercial, business use only (which means for use by a business or for a company to source their own products and services). We reserve the right to take legal action against any person or company who uses our website and/or services for commercial use or in any other unauthorised manner. This includes (but is not limited to) breach of copyright, processing multiple quotes for other customers or companies, and other companies checking their prices against those presented on this website.

Intellectual property

We are the owner or the licensee of all intellectual property rights in our website, and in the material published on it. This includes, but is not limited to, all trademarks, logos, business names, trading names, design rights, database rights, copyright and any other intellectual property rights in our website. The website is protected by copyright laws and treaties around the world. All such rights are reserved save as expressly stated in these terms.

Reliance on information provided

Commentary and other materials posted on our website 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 website, or by anyone who may be informed of any of its contents.

Viruses, hacking and other offences

You must not misuse our website 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 website, the server on which our website is stored or any server, computer or database connected to our website. You must not attack our website via a denial-of-service attack or a distributed denial-of service attack.

Amendments

We reserve the right to amend our terms and conditions at any time. The amended terms will be effective from the date they are posted on our website.

Data protection

We take privacy and security of your personal information entered on our website very seriously. In order to provide our service to you we need to collect and process personal information about your business and disclose that information to a number of third party suppliers. This information is necessary to provide you with the quotations you have requested. We will also be using your data for research and marketing purposes. By using our website you are giving us permission to use your data in this way.

Except as set out in this Privacy Statement, we will not disclose any of your information to other parties without your permission unless we are legally required to do so. By submitting information into our website, you consent to the processing of this data about your business by us and selected third suppliers.  Beneva Limited and other carefully selected third parties may use your information to keep you informed by post, telephone, SMS or email about current and new products and services which may be of interest to you. We may also use the information you supply to keep you informed of current or new products and services, and to perform market research.

If you are not happy for your data to be used in this way, you can unsubscribe to remove your details from our contact list. If you have further queries with regards to your personal data, please feel free to email us on support@cardswitcher.co.uk.

Our use of Cookies

When you use our website, we may store some information on your computer. This information will be in the form of a “Cookie” or similar file and can help us in many ways. This is a common method used by almost every website you visit.

Law

These terms of trading are subject to English law and to the exclusive jurisdiction of the English courts. You acknowledge that by providing data to us, you consent to the processing of your data in accordance with these Terms and Conditions.

Website security

If you use links on our website that lead you to external websites, we will have no control over the way your information will be processed. As other websites may handle your information in a different way, we recommend that you check the privacy policies of each website that you visit.