Terms & Conditions
These are the terms and conditions (“Terms”) governing your use of all the AC4S websites, apps and services as described on this website and at wwwDOTiou-exchangeDOTcom (“Site”), (collectively, the “Services”) and your access to the Sites. This Site and the Services are operated by or on behalf of AC4S (“AC4S”, “iOU eXchange”, “we” or “us”). The user of the Service is referred to as “You” in these Terms.
Use of Service or Site
The Services are currently intended for access and use by UK residents only, although we understand that non UK residents may access the Site, however we do not provide our service to other countries yet. By using the Services or accessing the Site, you accept that you are bound by the current Terms (including any additional guidelines and terms and conditions applicable to the Services which may be posted by us or our affiliate businesses from time to time) at the time of your use of the Services or access to the Site. You may also be contracting directly with a third party service provider (“Provider”) that provides a particular service forming part of the Services. Your access to and use of that Provider’s service may be subject to separate terms and conditions of the Provider, in addition to these Terms (to the extent they are applicable). These Terms apply to all of our Services and your agreement with us will start as soon as you complete our registration process and confirm that you have read and accepted these Terms; or use the Site or any Services that do not require registration, whichever is earlier. If you are registering as a corporate entity, you represent that you have the authority to bind that entity to this agreement. We may modify these Terms from time to time without notice to you. In the event we change these Terms, we will post these changes on this page. We encourage you to review this page regularly to ensure that you are aware of our current Terms.
3rd Party Analytics and/or Website Performance Monitoring
We use 3rd Party company analytical and monitoring services provided through respective websites, to provide indisputable benchmarking for the fair determination of achievement levels that we offer our business customers. These include but are not limited to’Google’, ‘Pingdom.com’, and ‘GTMetrics’.
Registration and Login Information
You agree to provide accurate, true, current and complete information when registering for the Services. You will be issued with a password to access and use the Services and any pages of the Site for which registration is required, upon successful completion of the registration process. You are responsible for maintaining the confidentiality and security of the username, password (collectively, “Login Information”), and for all activities that occur as a result of access to the Services using your Login Information. A breach of these Terms by anyone to whom you disclose your Login Information will be treated as a breach by you. You agree to notify us immediately of any unauthorised use of your Login Information or any other security breach, failure or error that comes to your attention. We reserve the right to your Login Information at any time in our sole and absolute discretion. We will notify you of any such changes by using the contact details that you have provided to us. If we consider in our sole and absolute discretion that the user name selected by you is, we reserve the right to reject and prevent your use of such user name at any time with or without notice to you. You agree to notify us immediately of any changes to or mistakes in your registration details by updating them using the [“Account” / “Profile”] option. Certain account update functions are not available to employees of corporate customers.
Consent to Processing of Personal Data
iOU eXchange services are FREE of charge to consumers (not requiring a business profile) sometimes referred to as ‘subscribers’. For additional subscribed Services that are chargeable, you agree to pay us for the Services at the rates and charges listed on this website or at https://.iou-exchange.co.uk/service-pricing [The rates and charges shall include Value Added Tax and any other applicable tax at prevailing rates from time to time.] All amounts payable by you shall be paid in full in pounds sterling without any deductions or set-offs. We may change the rates and charges for the Services [and offer special promotions or promote events and activities] from time to time without providing advance notice. You must make such payment as and when required by us in accordance with these Terms currently payment within 30 days of receipt of an invoice for chargeable Services. If you do not do so, we reserve the right to terminate your access to the Services immediately following any missed, rejected or refused payment. If payment is not paid on time, or your payment is rejected or refused, the amount owing will be treated as overdue and we will be entitled immediately to cease or suspend the provision of all or the relevant part of the Services to you until payment is received or until you have sufficient credit in your account. You will need to provide all communications equipment necessary to access or use the Site or the Services and be liable for payment for local call or Internet access charges to which you may be subject. If your equipment does not support relevant technology, you may not be able to use the Services.
If you registered for the Services as a consumer, you have the right to cancel at any time and your account will be erased from our database. If you registered or subscribed as a Business or Organisation, this agreement can be cancelled simply by ceasing payments and sending a written notice of cancellation via:
• Email: supportATiou-exchange.com
• Post: Attn: Data Controller, AC4S @ City House, Manchester, M1 2JQ
Businesses that take up digital services with iOU eXchange accept these basic terms and conditions and understand that any fees relating to service suspension of termination must be paid in full before website reinstatements or transfers are completed. Unless otherwise notified to you at the time of your subscription to or registration for the Services, the Services are provided by iOU eXchange.
Intellectual Property Rights
The intellectual property rights in all names, logos and marks appearing on the Site or any content contained in or accessible via the Site or the Services are owned by us or have been licensed to us for use, except as otherwise noted. The use or misuse of trademarks or any copyright or patented protected material without our prior written consent is strictly prohibited. You may download information from the Site for the sole purpose of signing up for the Services. However, you may not modify, copy, reproduce, republish, upload, post, transmit or distribute, by any means or in any manner, any material or information on or downloaded from the Site including but not limited to text, graphics, video, messages, code or software without our prior written consent. All rights are expressly reserved.
Third Party Content, Site or Network
We make no representations whatsoever about any other web sites which you may access through the Site or which may link to the Site. You acknowledge that we have no control over the content or availability of such third party web site. We accept no responsibility for the content, or the transmission or communication sent over third party networks, or your use of any third party web site, and shall not be liable for any loss or damage resulting from your use of the Internet, third party web sites, content, or network accessed via the Site or the Services.
Unless otherwise specified the materials published on the Site are presented solely for your private, personal and non-commercial use. All materials and information on the Site and the Services are provided on an “as is” basis. We make no warranties, express or implied, with respect to the Services or any content whatsoever (including without limitation regarding their satisfactory quality, fitness for a particular purpose, reliability, accuracy, completeness, security or that they are free from error), to the extent permitted by applicable law. We do not and cannot guarantee or warrant that the Services will operate continuously or without interruptions and we accept no liability for its unavailability. The Services are provided to you through a variety of telecommunications systems and we are unable to guarantee error-free use or transmission of, or access to, any part of the Services. We use our reasonable endeavours to ensure that the information within the Services is accurate at the time of its inclusion, but we accept no liability for any losses that you may suffer as a result of your access to the Services or any action you take based on the information you obtain via the Services. You are responsible for ensuring that your computer system or communication device meets all relevant technical specifications necessary to use the Site and the Services. We cannot and do not guarantee or warrant that any material available for downloading from the Site will be free from infection, viruses or other code that has contaminating or destructive properties. You are responsible for implementing sufficient procedures and virus checks (including antivirus and other security checks) to satisfy your particular requirements for the accuracy of data input and output.
Service and Site Use Restrictions
You must not attempt to interfere with the proper operation of the Services or the Site and you must not attempt to circumvent security, tamper with, hack into, or otherwise disrupt any computer system, server, web site, router or any other internet connected device. You are prohibited from posting or transmitting to or from the Site or via the Services any material:
• that is obscene, threatening, defamatory, offensive, pornographic, derogatory, abusive, liable to incite racial hatred, discriminatory, menacing, scandalous, inflammatory, blasphemous, in breach of confidence, in breach of privacy or which may cause annoyance or inconvenience;
• for which you have not obtained all necessary licences and/or approvals;
• which constitutes or encourages conduct that would be considered a criminal offence, give rise to civil liability, or otherwise be contrary to the law of or infringe the rights of any third party, in the UK or any other country in the world; or
• which is technically harmful (including, without limitation, computer viruses, logic bombs, Trojan horses, worms, harmful components, corrupted data or other malicious software or harmful data).
Service Suspension and Termination
We may suspend or terminate all or any part of the Services you use, without giving you notice:
• if we believe that you are or may be in breach of these Terms;
• in order to carry out repair or maintenance work;
• in order to update the contents of the Site or improve the functionality of the Services from time to time;
• if a complaint has been made against you and the complaint is being investigated;
• if we believe that information has been provided to us without the knowledge of the person named, or that a registration for the Services is unauthorized or contains false details;
• if you do anything that we think may adversely affect or damage our business interests; or
• to comply with a legal requirement, a court order, or a request by government or law enforcement authorities.
As stated above, any business that takes up digital services with iOU eXchange accept these terms and conditions and understand that any fees relating to service suspension of termination must be paid in full before website reinstatements or transfers are completed.
We reserve the right to withdraw or change all or any part of the Services we offer at any time for any reason without giving advance notice. You may terminate the Services by giving us notice at any time via:
• Email: supportATiou-exchange.co.uk
• Post: AC4S Customer Services @ City House, 83 Ducie Street, Manchester, M1 2JQ
Suspension, withdrawal, modification or termination of the Services will not affect the accrued rights and liabilities of either you or us. In particular, any such occurrence will not affect your obligation to pay for Services used by you or any third party (whether or not charges relate to Services to be provided before or after such occurrence and whether or not the charges are owed or payable to us or to our Providers).
Limitation of Liability
We accept no liability for any loss of data, profit, revenue or business (whether direct or indirect) or any indirect, special or consequential damages or losses, whether such losses or damages arise in contract, negligence or tort, and however caused even if foreseeable, including without limitation to any losses in relation to:
• your use of or inability to use our Services;
• any loss of your data or material resulting from delays, service interruptions or a failure, suspension or withdrawal of all or part of the Services at any time;
• the deletion with or without notice or cause of any of your information stored on the Services; or
• the removal from the Services of any material sent or posted by you on or via the Services or the blocking or suspension of your access to the Services or any part of it in accordance with these Terms.
If we are liable to you for any reason or you are dissatisfied with any part of the Services or with any of these Terms, your sole and exclusive remedy is to discontinue using the Service concerned and/or to seek a pro-rata refund for the cost of the Service that has caused dissatisfaction. You will not be entitled to a refund where we have suspended or terminated your access to the Service as a result of your breach of these Terms. Nothing in these Terms excludes or limits our liability for death or personal injury to the extent it arises from our negligence. The limitations and exclusions in these Terms do not affect your non-excludable statutory rights and only apply to the extent permitted by applicable law.
You agree to indemnify and hold us and our Providers harmless from and against all losses, costs, proceedings, damages, expenses (including all legal costs and expenses) or liabilities howsoever incurred by us or our Providers as a result of any claim by a third party resulting from your use of the Site or the Services (or use of the Services by anyone who accesses the Services via your Login Information) in breach of these Terms.
You agree to provide us and our Providers with full authority, and at your sole expense, all reasonable assistance necessary to defend, compromise or settle any claim that we or Providers receive.
We may assign, transfer, novate or subcontract any or all of our rights and obligations under these Terms without notice to you. You may not assign on in any way transfer your rights and obligations under these Terms. The Contracts (Rights of Third Parties) Act 1999 does not apply to the agreement between you and us formed by these Terms and any applicable additional terms and conditions. If any part of these Terms is determined to be legally invalid, unlawful or unenforceable to any extent, the invalid or unenforceable provision will be deemed severed from the remaining provisions which shall continue to be valid to the fullest extent permitted by law. These Terms shall be governed and construed in accordance with English law and you and we both consent to the exclusive jurisdiction of the English Court.
If you have questions or concerns regarding these Terms, you may contact us via:
• Email: supportATiou-exchange.com
• Post: AC4S @ City House, Manchester, M1 2JQ
Unfortunately we do not offer a telephone number which will definitely be answered, however please feel free to text/sms +447583003300 anytime if you prefer not to use our ‘Callback Request’ Service.