Please read all these terms and conditions.

As we can accept your order and make a legally enforceable agreement without further reference to you, you must read these terms and conditions to make sure that they contain all that you want and nothing that you are not happy with. If you are not sure about anything, just phone us on 0151 958 03999.

Application

1. These Terms and Conditions will apply to the purchase of the services and goods by you (the Customer or you).
2. We are Pareto Money Limited a company registered in England and Wales under number 11009167 whose registered office is at Suite 42, 3a Bridgewater Street, Liverpool, Merseyside, L1 0AR with email address enquiries@paretomoney.com; telephone number (0151 958 03999) (the Supplier or us or we).
3. These are the terms on which we sell all Services to you. By ordering any of the Services, you agree to be bound by these Terms and Conditions.

Interpretation

4. Consumer means an individual acting for purposes which are wholly or mainly outside his or her trade, business, craft or profession;
5. Contract means the legally-binding agreement between you and us for the supply of the Services;
6. Delivery Location means the Supplier's premises or other location where the Services are to be supplied, as set out in the Order;
7. Goods means any goods that we supply to you with the Services, of the number and description as set out in the Order;
8. Order means the Customer's order for the Services from the Supplier as set out in the Customer's order or in the Customer's written acceptance of the Supplier's quotation;
9. Services means the services, including any Goods, of the number and description set out in the Order.

Services

10. The description of the Services are as set out in our website, catalogues, brochures or other form of advertisement. Any description is for illustrative purposes only and there may be small discrepancies in size or colour of any Goods supplied.
11. In the case of Services made to your special requirements, it is your responsibility to ensure that any information or specification you provide is accurate.
12. All Services are subject to availability.
13. We can make changes to the Services which are necessary to comply with any applicable law or safety requirement. We will notify you of these changes.

Customer responsibilities

14. You must co-operate with us in all matters relating to the Services, provide us and our authorised employees and representatives with access to all information required to perform the Services (unless otherwise agreed). This information includes access to, or supplying us with credit reports and bank statements, proof of income and a copy of your photographic identification.
15. Failure to comply with the above entitles us to suspend performance of the Services until you remedy it or if you fail to remedy it following our request, we can terminate the agreement with immediate effect on written notice to you.

Basis of Sale

16. The description of the Services on our website, catalogues, brochures or other form of advertisement does not constitute an agreement offer to sell the Services or Goods.
17. When a particular debt solution has been initially suggested, we can reject it for any reason, although we will tell you the reason without delay.

Fees and Payment

22. The fees (Fees) for the Services, or any other charges that are set out in our agreement with the service provider. Prices for Services may be calculated on a fixed fee or on a standard rate basis. Fees are paid by the third parties that we refer our customers to, and by the customer directly.
23. Payment for Services must be made within 14 days of invoice. The company that we refer our customers to must pay by the agreed method. Your service will not be affected by the third party should they fail to pay us.

Delivery

24. We will deliver your information to the end provider within the agreed period so that they can contact you at your preferred time to finalise the particular debt solutions process.
25. By consenting to share your information with us to assist in commencing with a particular debt solution, you agree to allow us to share the relevant information with the specified third party solution administrator, for the purpose administering the debt solution only.

Withdrawal and cancellation

36. You can withdraw from the solution by telling us or the solution provider before the agreement is made, if you simply wish to change your mind and without giving us a reason, and without incurring any liability.
37. You can cancel the agreement except for any requests which are made to your special requirements by telling us no later than 14 calendar days from the day the agreement was entered into. If you simply wish to change your mind and without giving us a reason, and without liability, except in that case that you have made special requests that have incurred a cost, please let us know in writing with 14 calendar days of returning your agreement with the solutions provider.

Duration, termination and suspension

44. The service continues as long as it takes us to perform our duties and obtain the required information from you to make a thorough assessment before relaying this information to the debt solutions service provider.
45. Either you or we may terminate the agreement or suspend the Services at any time by a written or verbal notice of termination or suspension to the other if that other:
1. commits a serious breach, or series of breaches resulting in a serious breach, of the agreement and the breach either cannot be fixed or is not fixed within 30 days of the written notice; or
2. is subject to any step towards its bankruptcy or liquidation.
46. On termination of the agreement for any reason, any of our respective remaining rights and liabilities will not be affected.

Privacy

47. Your privacy is critical to us. We respect your privacy and comply with the General Data Protection Regulation with regard to your personal information.
48. These Terms and Conditions should be read alongside, and are in addition to our policies, including our privacy policy and cookies policy which can be found The data protection policy can be found on our website www.paretomoney.com.
49. For the purposes of these Terms and Conditions:
1. 'Data Protection Laws' means any applicable law relating to the processing of Personal Data, including, but not limited to the GDPR.
2. 'GDPR' means the UK General Data Protection Regulation.
3. 'Data Controller', 'Personal Data' and 'Processing' shall have the same meaning as in the GDPR.
50. We are a Data Controller of the Personal Data we Process in providing the Services and Goods to you.
51. Where you supply Personal Data to us so we can provide Services to you, and we Process that Personal Data in the course of providing the Services and Goods to you, we will comply with our obligations imposed by the Data Protection Laws:
1. before or at the time of collecting Personal Data, we will identify the purposes for which information is being collected;
2. we will only Process Personal Data for the purposes identified;
3. we will respect your rights in relation to your Personal Data; and
4. we will implement technical and organisational measures to ensure your Personal Data is secure.
52. For any enquiries or complaints regarding data privacy, you can e-mail: enquiries@paretomoney.com.

Circumstances beyond the control of either party

54. In the event of any failure by a party because of something beyond its reasonable control:
1. the party will advise the other party as soon as reasonably practicable; and
2. the party's obligations will be suspended so far as is reasonable, provided that that party will act reasonably, and the party will not be liable for any failure which it could not reasonably avoid, but this will not affect the Customer's above rights relating to delivery and the right to cancel below.

Excluding liability

55. We do not exclude liability for: (i) any fraudulent act or omission; or (ii) death or personal injury caused by negligence or breach of the Supplier's other legal obligations. Subject to this, we are not liable for (i) loss which was not reasonably foreseeable to both parties at the time when the agreement was made, or (ii) loss (eg loss of profit) to your business, trade, craft or profession which would not be suffered by a Consumer - because we believe you are not buying the Services and Goods wholly or mainly for your business, trade, craft or profession.

Governing law, jurisdiction and complaints

56. The agreement is governed by the law of England and Wales.
57. Disputes can be submitted to the jurisdiction of the courts of England and Wales or, where the Customer lives in Scotland or Northern Ireland, in the courts of Scotland or Northern Ireland respectively.
58. We try to avoid any dispute, so we deal with complaints as follows: If a dispute occurs, you should always contact the company first to try to resolve it. Where a complaint has been raised, we will endeavor to respond as quickly as possible, but always within 28 days.