Website Terms of Use

Please Read These Terms and Conditions Carefully Before Using This Website
These Website Terms of Use (the “Terms”) (together with the documents referred to in it) tells you the terms on which you may make use of our website www.joinpenny.com (the “Website”), whether as a guest or as a registered user. Use of our Website includes accessing, browsing, or registering to use our Website.  References to “we”, “our” or “us” in these Terms and elsewhere in this Website means  MyBills Limited, trading as Penny, and “you” or “your” means any end user accessing, registering and/or using our Website.
Please read these Terms carefully before you start to use our Website, as these will apply to your use of our Website. We recommend that you print a copy of this for future reference. By using our Website, you confirm that you accept these Terms and that you agree to comply with them. 
If you do not agree to these Terms, you must not use our Website.

OTHER APPLICABLE TERMS
These Terms refer to the following terms (“Additional Terms”), which also apply to your use of our site:
Our Privacy Policy (http://joinpenn.com/privacy-policy), which sets out the terms on which we process any personal data we collect from you, or that you provide to us. By using our Website, you consent to such processing and you warrant that all data provided by you is accurate. 

INFORMATION ABOUT US
The Website is operated by MyBills Limited.  We are registered in England and Wales under company number 10398637 and have our registered office at Interchange Triangle, Stables Market, Chalk Farm Road, London Nw1 8AB. 
We are a limited company.

CHANGES TO THESE TERMS
We may revise these Terms at any time by amending this page. 
Please check this page from time to time to take notice of any changes we made, as they are binding on you. 

CHANGES TO OUR WEBSITE
We may update our Website from time to time, and may change the content at any time. However, please note that any of the content on our Website may be out of date at any given time, and we are under no obligation to update it. 
We do not guarantee that our Website, or any content on it, will be free from errors or omissions.

ACCESSING OUR WEBSITE
Our Website is made available free of charge. 
We do not guarantee that our Website, or any content on it, will always be available or be uninterrupted. Access to our Website is permitted on a temporary basis. We may suspend, withdraw, discontinue or change all or any part of our Website without notice. We will not be liable to you if for any reason our Website is unavailable at any time or for any period.
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, the Additional Terms and other applicable terms and conditions, and that they comply with them. 

YOUR ACCOUNT
You must complete your answers by providing us with current, complete and accurate information as prompted by the online questions.  You must complete the questions as a personal user of the Website and you must use your own identity.  
Furthermore, you are entirely responsible for any and all activities that occur under your Account. You agree to notify us immediately of any unauthorized use of your Account or any other breach of security. We will not be liable for any loss that you may incur as a result of someone else using your Account or password, either with or without your knowledge. However, you could be held liable for losses incurred by us or another party due to someone else using your Account or password. You may not use anyone else's Account at any time, without the permission of the account holder.
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 reasonable opinion you have failed to comply with any of the provisions of these Terms or the Additional Terms.
If you know or suspect that anyone other than you knows your user identification code or password, you must promptly notify us at hello@joinpenny.com.

NO UNLAWFUL OR PROHIBITED USE
As a condition of your use of the Website, you will not use the Website for any purpose that is unlawful or prohibited by these Terms or the Additional Terms. You may not use the Website in any manner that could damage, disable, overburden, or impair any our server, or the network(s) connected to our server, or interfere with any other party's use and enjoyment of the Website. You may not attempt to gain unauthorized access to the Website, other users’ accounts, computer systems or networks connected to any of our servers or to the Website, through hacking, password mining or any other means. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available through the Website. 
Without prejudice to the right of initiating legal proceedings or reporting the fact to the relevant authorities, in the event that we have reasons to believe that you are making any illegal and/or unauthorised use of the Website, we reserve the right to restrict your access, suspend or cancel your Account, if applicable, without prior notice. Illegal and/or unauthorised use of the Website includes but is not limited to:
• submitting false, inappropriate or inaccurate Account details;
• registering and/or using more than one Account;
• engaging in any illegal and/or fraudulent activity;
• acting in a manner that is detrimental to the conduct of our business or which may result in legal liability for you, us or a third party;
• promoting any illegal activities;
• using any material or information, including images or photographs, which are made available through the Website in any manner that infringes any copyright, trademark, patent, trade secret, or other proprietary right of any party;
• impersonating any person connected to our Website or any service provided on it or otherwise misrepresents your association with any such person;
• promoting illegal or unauthorised copying of another person's intellectual property;
• providing information to circumvent manufacturer-installed copy protect devices;
• providing, creating or disseminating computer viruses, trojan horses, worms, time bombs, cancelbots, corrupted files, or any other similar software or programs that may damage the operation of another's computer or property of another;
• falsifying or deleting any copyright management information, such as author attributions, legal or other proper notices or proprietary designations or labels of the origin or source of software or other material contained in a file that is uploaded;
• restricting or inhibiting any other user from using and enjoying the Website.
• harvesting or otherwise collecting information about others, including e-mail addresses;
• violating any applicable laws or regulations;
• creating a false identity for the purpose of misleading others;
• using, downloading or otherwise copying, or providing (whether or not for a fee) to a person or entity any directory of users of the Website or other user or usage information or any portion thereof.
• violating users’ privacy;
• soliciting passwords or Account details;
• promoting information that you know to be false or misleading; and
• engaging in commercial activities connected to the Website, including but not limited to sales, promotion or marketing of any kind, without our prior written consent.
We reserve the right at all times to disclose any information as we deem necessary to satisfy any applicable law, regulation, legal process or governmental request.

INTELLECTUAL PROPERTY RIGHTS
We are the owner or the licensee of all intellectual property rights in our site, including the domain name www.joinpenny.com and software, and in the material published on it, such as text and images. Those works are protected by copyright laws and treaties and any other law protecting intellectual property rights and all similar or equivalent rights or forms of protection around the world. All such rights are reserved. 
You may not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell any information, software, products or services obtained from the Website.
You may print off one copy, and may download extracts, of any page(s) from our Website for your personal use and you may draw the attention of others within your organisation to content posted on our site. 
You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text. 
Our status (and that of any identified contributors) as the authors of content on our Website must always be acknowledged. 
You must not use any part of the content on our Website for commercial purposes without obtaining a licence to do so from us or our licensors.
If you print off, copy or download any part of our Website in breach of these terms of use, your right to use our Website will cease immediately and you must, at our option, return or destroy any copies of the materials you have made.

DOCUMENTS AVAILABLE ON THE WEBSITE AND NO RELIANCE ON INFORMATION
The content on our Website is provided for general information only. It is not intended to amount to advice on which you should rely.  
Elements of the Website are protected by intellectual property rights, passing off, and other laws and may not be copied or imitated in whole or in part. No logo, graphic, sound or image from the Website may be copied or retransmitted unless expressly permitted by us.    
Although we make reasonable efforts to update the information on our Website, we make no representations, warranties or guarantees, whether express or implied, that the Documents, related graphics or any other information contained in the Website is accurate, complete, up-to-date or suitable. All such information is provided "as is" without warranty of any kind. In no event shall we be liable for any loss or damage, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, even if foreseeable, loss of profits, sales, business, or revenue, business interruption, loss of anticipated savings, loss of business opportunity, goodwill or reputation, or any indirect or consequential loss or damage arising under or in connection with use or performance of the Documents, related graphics or any other information available on the Website. 
The Documents, related graphics or other information published on the Website could include technical inaccuracies or typographical errors. Changes are periodically added to the information herein. We and/or our respective suppliers may make improvements and/or changes on the Website at any time.

LIMITATION OF OUR LIABILITY
Nothing in these Terms excludes or limits our liability for death or personal injury arising from our negligence, or our fraud or fraudulent misrepresentation, or any other liability that cannot be excluded or limited by English law.
To the extent permitted by law, we exclude all conditions, warranties, representations or other terms which may apply to our Website or any content on it, whether express or implied. 
We will not be liable to any user for any loss or damage, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, even if foreseeable, arising under or in connection with:
• use of, or inability to use, our site;
• loss of anticipated savings; or
• use of or reliance on any content displayed on our site. 
Please note that we only provide our Website for domestic and private use. You agree not to use our Website for any commercial or business purposes, and we have no liability to you for any loss of profit, loss of business, business interruption, or loss of business opportunity.
We will not be liable for any loss or damage caused by a virus, distributed denial-of-service attack, 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 content on it, or on any website linked to it.
We assume no responsibility for the content of websites linked on our site. Such links should not be interpreted as endorsement by us of those linked websites. We will not be liable for any loss or damage that may arise from your use of them.

VIRUSES
You acknowledge that the Website, like other internet applications, may be subject to attacks from third parties that may harm you, such as dissemination of computer viruses, spams, and attempts to gain unauthorised access to our systems (“Attacks”).  Although we implement security measures designed to protect our systems from Attacks, we do not guarantee the prevention or detection of Attacks to the Services.
You are responsible for configuring your information technology, computer programmes and platform in order to access our Website. You should use your own virus protection software.
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 site, the server on which our Website is stored or any server, computer or database connected to our site. You must not attack our Website 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 Website will cease immediately.

LINKING TO OUR SITE
You may link to our Website, 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 Website in any website that is not owned by you. 
Our Website must not be framed on any other site, nor may you create a link to any part of our Website other than the home page. 
We reserve the right to withdraw linking permission without notice. 
If you wish to make any use of content on our Website other than that set out above, please contact us by email at hello@joinpenny.com.

THIRD PARTY LINKS AND RESOURCES IN OUR SITE
Where our Website contains links to other sites and resources provided by third parties, these links are provided for your information only. 
We have no control over the contents of those sites or resources. 

APPLICABLE LAW
These terms of use, its subject matter and its formation (and any non-contractual disputes or claims), are governed by English law. 
You and we both agree to that the courts of England and Wales will have non-exclusive jurisdiction to settle any dispute or claim that arises out of or in connection with terms of use (including any non-contractual disputes or claims). 

CONTACT US
To contact us, please email us at hello@joinpenny.com. 
Thank you for visiting our site.

COPYRIGHT NOTICE
© 2016 MyBills Limited. All rights reserved