Terms & Conditions

Sunny Day Cash Terms and Conditions

The use of the terms we/us/our or www.sunnydaycash.com within this Terms and Conditions means GoodPal Financial Ltd trading as www.sunnydaycash.com. The term “you” refers to you as a user to one or more of the Online Services linked to or affiliated with this Terms and Conditions.

www.sunnydaycash.com is committed to identifying and explaining any terms or conditions that may apply to you. We encourage you to read this document and to call or email us with any enquiries or concerns. By using any of our online services, you accept these Terms.

Www.sunnydaycash.com reserves the right to modify this Terms and Conditions for legal, regulatory or security reasons at any time. Any changes, modifications, additions or deletions shall become effective immediately upon posting and any contract. By agreeing to these Terms, you acknowledge and accept that it is solely your responsibility to monitor and review the status of these Terms periodically, and to be aware of such changes, modifications, additions and/or deletions. If you continue to use the Online Services associated with this Terms and Conditions following any changes made to these terms, we will understand that to be your acceptance of and consent to the changes.

Your Account

When using our website and service for the first time, the email provided by you may be stored to create your username. We may contact you through this email and use it to send important documents and information.

Becoming a www.sunnydaycash.com (SDC) applicant may require some personally identifiable information such as your name, gender, age, phone number, email address, delivery address and some payment details which will only be used with your consent and for services that are only necessary for you to fulfil what you want to do on our website. This will enable us to identify you as a recurring customer each time you return. www.sunnydaycash.com treats our customers with a lot of protection and security and will not give out any personally identifiable information it receives without first getting consent from you, the customer.

You are responsible for maintaining and securing your password and user name, if applicable, and understand that it is not within our power or our responsibility to ensure that the identity of the person controlling your account is you. By agreeing to these terms you agree that the website will not be liable for any losses suffered by you where your password or user name is used by someone else unless it is due to our negligence. If you suspect your details have been leaked or is being used by someone other than yourself, please don’t hesitate to contact us immediately by emailing us on customerservice@sunnydaycash.com.

Pricing, Fees and Repayment

www.sunnydaycash.com accepts payment for our services via debit and credit card or Direct Debit. Payment will be debited from your account at the date stated in your contract.

By agreeing to these Terms, you confirm that the credit/debit card and Direct Debit information provided belongs to you and is accurate. All credit/debit card information is subject to validation checks and authorisation by the card issuer. Fraudulent use of credit cards may be reported to the relevant authorities. If the issuer of your card refuses your payment then we will not accept the payment and your order will be cancelled. We will not be responsible for any delay or non-delivery and we are not obliged to inform you of the reason for the refusal. We are not responsible for your card issuer or bank charging you as a result of our processing of your credit/debit card payment in accordance with your order.

When using our service, you will receive a breakdown of fees and repayments. If we purchase a product from you then you will be requested to pay for administration and valuation fees which will vary depending on the total monetary value of the products. On products worth up to £300, there will be a total administration & valuation fee of £27.50. On products worth up to £600, there will be a total administration & valuation fee of £55.00. On products worth up to £900, there will be a total administration & valuation fee of £82.50. To illustrate how this would look in your contractual agreement, if we were to valuate and purchase products/goods at a value of £600, you would pay (1) amount of £55.00, along with a further (11) amounts of £55.00 until the £600 interest-free amount is fully paid off and the ownership of the products/goods returns to you from us; in total, you will have received £600 and repaid a total of £655.00 over a 12-month period.

In the case of missed payments, we will send notification emails to the email account provided by yourself requesting payment. If missed payments persist and an agreement between us and you cannot be made, we may be required to seek legal action which could result in getting the pending funds settled in a Small Claims Court.

Your use of the Website

By agreeing with these Terms and Conditions you are confirming that all details submitted by you to us are true, accurate and up to date in all respects at all times.

You agree that in using the Website you will not: (i) use the Website in any way that causes, or is likely to cause the site or access to the site to be interrupted, damaged, or impaired in any way; (ii) use the Website for any purpose that could damage the name of Www.sunnydaycash.com or GoodPal Cash Financial Ltd or any goodwill attached to the Website; (iii) use the Website for criminal, fraudulent or illegal activity or in any manner which would cause harm or distress to any third party; (iv) access or attempt to access the accounts of other users or attempt to penetrate the Website security measures; nor (v) use the Website for any purpose other than your personal use.

We reserve the right to suspend, restrict or terminate your access to the Website at any time without notice if we have reasonable grounds to believe that you have breached any of these restrictions or if we suspect fraudulent account activity or behaviour. This shall not limit our right to take any other action against you that we consider appropriate.

Our Legal obligations and our Limitation on Liability

We accept liability for death or personal injury caused by our negligence or that of our employees. We do not seek to exclude liability for fraudulent misrepresentation by us or our employees or agents.

You have certain rights under the law. These include that any products supplied by us will be of satisfactory quality and fit for their intended purpose. Nothing in these Terms is intended to affect these statutory rights. For more information about Your statutory rights contact Your local Citizens Advice Bureau or Trading Standards Office.

If we breach these Terms we shall only be liable for losses which are a reasonably foreseeable consequence of such a breach, up to a maximum of the purchase price of your order. Losses are foreseeable where they could be contemplated by you and us at the time of entering into this agreement.

With current technology it is not possible to develop and operate computer programs (software) and data processing systems (hardware) entirely without error, or to rule out any unpredictable events in connection with the internet. We provide no guarantee for the constant and uninterrupted availability of the Website.

We are not responsible for:

•losses not caused by our breach;

•indirect losses which are a side effect of the main loss or damage and which are not reasonably foreseeable by you and us at the time of entering into this agreement, for example loss of profits or loss of opportunity;

•failure to provide the Website or to meet any of our obligations under this agreement where such failure is due to Events Beyond Our Control.

•”Events Beyond Our Control” means any cause beyond our reasonable control which prevents us from providing the Website or fulfilling any of our other obligations under this agreement and includes but is not limited to fire, flood, storm, riot, civil disturbance, war, nuclear accident, terrorist activity and acts of God.

Deals and Promotional Offers

All of our deals and promotional offers are subject to the Terms & Conditions associated with them.

The Terms & Conditions for each deal or promotional offer may differ from the Terms & Conditions

for Www.sunnydaycash.com and will be listed below. If there is nothing written below then we currently

have no deals in place.

Copyright and Other Intellectual Property Rights

Your use of the Website grants no rights to you in relation to copyright, design rights, trade marks or other of our intellectual property rights (or the intellectual property rights of third parties).

We provide the Website to you solely for  your personal, non-commercial use. You may electronically copy and print only those areas of the Website which are required in the process of using the Website as a shopping resource. The content of the Website may not be used for any other purpose without our express written permission.

General

We will do our best to resolve any disputes over these Terms. If you wish to take court proceedings against us you must do so within the United Kingdom. Relevant United Kingdom law will apply.

If any of these Terms are found to be invalid by any court or regulator, the other Terms shall continue to apply.

Please let us know if you have any questions or complaints regarding the Website. You can contact us by emailing customerservice@sunnydaycash.com or writing to us at the following address: 188 Liscard Road, Wallasey CH44 5TN, GB.