1. Overview
These Terms and Conditions (“Terms”) govern access to and use of the Website located at https://qpact.co.uk and any related products, services, content, software, platforms, workflows, verification systems, communications and functionality made available by Persona Finance Ltd trading as QPACT (“QPACT”, “we”, “us” or “our”).
The Services may include, without limitation:
- identity verification related services;
- onboarding and compliance support;
- document collection and processing;
- submission assistance;
- informational resources;
- digital workflows and integrations;
- communications and support services;
- other services made available from time to time.
By accessing or using the Website or Services, users acknowledge and agree to be bound by these Terms together with any policies referenced herein, including the Privacy Policy and Cookie Policy.
If you do not agree to these Terms, you must not use the Website or Services.
QPACT is an independent service provider and is not affiliated with, endorsed by, or acting on behalf of Companies House or the UK Government.
2. Company information
Persona Finance Ltd (trading as QPACT)
Company Number: 12341055
Registered Office:
167-169 Great Portland Street
London, England, W1W 5PF
Contact Email:
3. Definitions
- “Services”
- Means any services, tools, workflows, onboarding systems, verification assistance, information or functionality provided through the Website.
- “Website”
- Means https://qpact.co.uk and all associated pages, content and functionality.
- “User”
- Means any individual or entity accessing or using the Website or Services.
- “Content”
- Means all text, graphics, images, software, documents and other material displayed on the Website.
- “Payment Information”
- Means any information required to process payments for Services.
4. Eligibility
You must be at least 18 years old to use the Services.
By using the Services, you confirm that:
- you are legally capable of entering into binding agreements;
- the information you provide is accurate and complete;
- you will use the Services only for lawful purposes.
5. Access and use of the Website
You may use the Website and Services only in accordance with these Terms and applicable laws.
You agree not to:
- violate any applicable law or regulation;
- impersonate another person or entity;
- misuse the Website or Services;
- interfere with the operation or security of the Website;
- use automated systems or bots to access the Website without permission;
- copy, reproduce or distribute Website content without prior written consent.
We reserve the right to suspend or restrict access to the Website or Services at any time without notice where reasonably necessary.
6. Information and disclaimers
Information provided through the Website is for general informational purposes only and does not constitute legal, financial, compliance or professional advice.
Users should independently verify information before relying on it.
While we aim to keep Website information accurate and up to date, we make no guarantee regarding completeness, accuracy or availability.
7. Third-party service providers
QPACT may use third-party providers, subcontractors, technology partners, verification providers, payment processors, hosting providers and other service providers in connection with the operation of the Website and provision of the Services.
Such third-party providers may assist with:
- identity verification;
- compliance processes;
- payment processing;
- document handling;
- hosting and infrastructure;
- communications;
- analytics and marketing;
- operational support.
By using the Services, users acknowledge and agree that certain information may be processed by such third-party providers in accordance with their applicable terms, privacy policies and operational procedures.
QPACT may modify, replace or discontinue use of third-party providers at any time without notice.
QPACT shall not be liable for interruptions, delays, errors, outages or failures caused by third-party systems, providers or infrastructure outside its reasonable control.
8. Verification, compliance and regulatory services
Certain Services may require identity verification, compliance screening, document review, regulatory checks or additional information requests.
Users agree to provide all information, documentation and cooperation reasonably requested by QPACT or its service providers.
QPACT reserves the right, at its sole discretion, to:
- request additional documentation or information;
- suspend or delay processing;
- reject or refuse Services;
- terminate access to Services;
- report suspicious activity where required by law;
- comply with legal, regulatory or governmental requests.
Verification, compliance and onboarding procedures may include collection or processing of government-issued identification, proof of address, biometric or liveness verification, company-related information and supporting compliance documentation.
Users acknowledge that regulatory requirements may change without notice, verification outcomes may depend on third-party providers and regulatory authorities, QPACT does not control governmental or regulatory decisions, and Services may be unavailable in certain jurisdictions or circumstances.
QPACT reserves the right to refuse or discontinue Services where provision of the Services may violate applicable law, create regulatory risk, expose QPACT to liability, or involve suspected fraud, sanctions risk or unlawful activity.
9. Prices, fees and refunds
All pricing displayed on the Website is provided in good faith and may be updated from time to time without prior notice.
Prices are stated in GBP unless otherwise indicated and may be subject to VAT or other applicable taxes.
By submitting payment for any Service, you agree to pay all applicable charges associated with the requested Service.
QPACT reserves the right to amend pricing, correct pricing errors or inaccuracies, refuse or cancel orders affected by pricing or technical errors, and pass through third-party or governmental fee increases where applicable.
Where an order is cancelled due to pricing or technical error after payment has been received, any amounts paid by the user in respect of the affected Service shall be refunded.
Users are responsible for providing complete, accurate and current billing and payment information.
Refunds
You may request cancellation and a refund before processing of the relevant Service has commenced.
Refunds may be available where:
- the user decides not to proceed with identity verification before verification processing begins;
- QPACT or its verification providers are unable to complete identity verification;
- we are unable to provide the Service for operational or compliance reasons.
Once identity verification or compliance processing has begun, refunds may not be available.
Refund requests should be submitted to support@qpact.co.uk.
We reserve the right to refuse refunds where required information or documents are not provided, verification cannot be completed due to inaccurate or misleading information supplied by the user, or legal or compliance obligations prevent continuation of the Service.
10. Intellectual property
All intellectual property rights in and to the Website, Services and related materials, including trademarks, logos, branding, text, graphics, software, workflows, databases, designs, documentation and Website content, are owned by or licensed to QPACT and/or Persona Finance Ltd unless otherwise stated.
Nothing in these Terms grants users any ownership rights in the Website or Services.
Users are granted a limited, revocable, non-exclusive and non-transferable right to access and use the Website solely for lawful personal or internal business purposes in accordance with these Terms.
Users must not without prior written consent reproduce, distribute, modify, reverse engineer, commercially exploit, republish or create derivative works from any part of the Website, Services or related materials.
QPACT reserves all rights not expressly granted under these Terms.
11. Website availability
The Website and Services are provided on an “as is” and “as available” basis.
We do not guarantee uninterrupted availability or error-free operation.
We are not responsible for failures caused by internet outages, hosting failures, third-party service interruptions, maintenance or events outside our reasonable control.
12. User conduct and communications
Users must not:
- submit unlawful, abusive, defamatory, threatening or misleading content;
- use the Website to distribute spam, unsolicited communications or malicious material;
- attempt to gain unauthorised access to systems or data;
- interfere with the operation or security of the Website;
- impersonate QPACT, Persona Finance Ltd, Companies House or any other person or entity.
We reserve the right to monitor communications submitted through the Website where reasonably necessary for operational, security, compliance or legal purposes.
We may suspend or terminate access to the Services where we reasonably believe a user has breached these Terms or applicable law.
13. External links
The Website may contain links to external websites or services operated by third parties.
Such links are provided for convenience and informational purposes only.
QPACT does not control and is not responsible for third-party content, external policies, third-party security practices or availability of external services.
Accessing third-party websites is done at the user’s own risk.
14. Disclaimers, indemnity and limitation of liability
The Website and Services are provided on an “as is” and “as available” basis.
To the fullest extent permitted by law, QPACT disclaims all warranties, representations and conditions, whether express or implied, including merchantability, fitness for a particular purpose, non-infringement, uninterrupted availability and accuracy of information.
QPACT does not warrant or guarantee that the Website or Services will always be available, uninterrupted, timely or error-free; that defects or errors will be corrected; that the Website or Services will be free from viruses or harmful components; that identity verification will be successfully completed; that Companies House will accept or approve any application or submission; or that users will obtain any specific outcome, result or regulatory status.
Users acknowledge that identity verification outcomes may depend on third-party providers, Companies House requirements and information supplied by the user, and that Services may be delayed, restricted or refused for legal, compliance, fraud prevention or operational reasons.
Indemnity
You agree to indemnify and hold harmless QPACT, Persona Finance Ltd, its directors, officers, employees, contractors and affiliates from and against any claims, liabilities, damages, losses, costs and expenses arising from your misuse of the Website or Services, your breach of these Terms, inaccurate or fraudulent information supplied by you, or your violation of applicable laws or third-party rights.
Limitation of liability
To the fullest extent permitted by applicable law, QPACT, Persona Finance Ltd and their respective directors, officers, employees, contractors, affiliates and service providers shall not be liable for indirect, consequential, incidental, special or punitive damages, loss of profits, loss of revenue, loss of business, loss of anticipated savings, loss of opportunity, loss of goodwill or loss of data.
Nothing in these Terms excludes or limits liability for death or personal injury caused by negligence, fraud or fraudulent misrepresentation, or any liability that cannot lawfully be excluded or limited.
To the extent permitted by law, QPACT’s total aggregate liability arising in connection with the Services shall not exceed the total amount paid by the user to QPACT for the specific Service giving rise to the claim.
16. Notices and communications
All notices and communications relating to the Services should be sent to support@qpact.co.uk.
We may contact users by email regarding identity verification, compliance matters, support requests, payment issues and service updates.
Where permitted by law, users may also receive information regarding additional services offered by QPACT or Persona Finance Ltd.
Marketing communications will only be sent where permitted by law or where consent has been provided. Users may unsubscribe from marketing communications at any time.
17. Complaints
Complaints should be submitted to support@qpact.co.uk.
Please include your full name, relevant order details and details of the complaint.
We aim to respond within a reasonable timeframe.
18. General terms
Force majeure
QPACT shall not be liable for delays, interruptions or failures resulting from events beyond our reasonable control, including internet or telecommunications failures, cyberattacks, third-party provider outages, industrial disputes, natural disasters, acts of government or regulatory changes.
Assignment
QPACT may assign or transfer its rights and obligations under these Terms without restriction. Users may not assign their rights or obligations without prior written consent.
Severability
If any provision of these Terms is found to be unlawful, invalid or unenforceable, the remaining provisions shall remain in full force and effect.
Waiver
Failure by QPACT to enforce any right or provision under these Terms shall not constitute a waiver of such right or provision.
Entire agreement
These Terms together with the Privacy Policy and Cookie Policy constitute the entire agreement between the user and QPACT regarding use of the Website and Services and supersede all prior agreements, understandings or representations.
Miscellaneous
Nothing in these Terms shall create or be deemed to create a partnership, joint venture, agency relationship or employment relationship between the user and QPACT.
Headings are included for convenience only and shall not affect interpretation. These Terms shall be interpreted fairly and not strictly against either party by reason of authorship.
Electronic acceptance of these Terms shall have the same force and effect as a signed written agreement.
Changes to these Terms
We may update these Terms from time to time. Updated versions will be published on the Website. Continued use of the Website or Services following updates constitutes acceptance of the revised Terms.
19. Law and jurisdiction
These Terms are governed by the laws of England and Wales.
Any disputes arising in connection with these Terms shall be subject to the exclusive jurisdiction of the courts of England and Wales.