Welcome to Paymente, a trading name of ELRB Group Ltd ("Paymente", "we", "us", "our"). These Terms of Service ("Terms") govern your access to and use of our website www.paymente.co.uk and any related consultancy or advisory services we provide.

By using our website or engaging with our services, you agree to comply with and be bound by these Terms. If you do not agree, please do not use our website or services.

ELRB Group Ltd (trading as Paymente)

Registered in England and Wales — Company Number: 16798676

Registered Address:

55 Guylers Hill Drive, Clipstone Village, Mansfield, England, NG21 9RT

Email: info@paymente.co.uk

Website: www.paymente.co.uk

Paymente provides consultancy and advisory services related to payment solutions, merchant accounts, and payment processing efficiency. We may also provide introductions to third-party payment providers and acquirers.

Our website content is for general information and business guidance only. It does not constitute financial, legal, or technical advice. You should seek professional advice before making business decisions based on our content or recommendations.

You agree to use our website only for lawful purposes and in a way that does not infringe the rights of, restrict, or inhibit anyone else's use of the site.

You must not:

• Attempt to gain unauthorised access to the website or our systems.
• Copy, reproduce, or distribute website content without permission.
• Upload or transmit viruses, malware, or harmful code.
• Use our website for fraudulent or misleading activity.

We may suspend or terminate access if we believe you have breached these Terms.

When you engage with Paymente for consultancy services (e.g. payment health checks, reviews, or proposals), a separate agreement or written confirmation may apply.

You agree to:

• Provide accurate, complete, and up-to-date information as requested.
• Acknowledge that all recommendations are based on the information you provide.
• Understand that we act as an independent consultancy and are not responsible for the performance of third-party providers we may recommend.

All content on this website—including text, graphics, logos, and design—is owned or licensed by ELRB Group Ltd unless otherwise stated.

You may view, download, and print content for personal or internal business use only. You must not reproduce, modify, distribute, or exploit any material for commercial purposes without our prior written consent.

Our website may include links to third-party websites or services. These links are provided for your convenience only.

We do not control and are not responsible for the content, security, or privacy practices of such third parties. Accessing linked sites is at your own risk.

While we strive to ensure the accuracy of information on our website and in our consultancy services, Paymente provides all content "as is" without warranties of any kind, either express or implied.

To the maximum extent permitted by law, we exclude all liability for:

• Loss or damage arising from your use or inability to use our website or services.
• Loss of profits, business, or data.
• Errors or omissions in website content.

Nothing in these Terms limits our liability for death or personal injury caused by negligence, fraud, or any other liability which cannot be excluded under UK law.

Your use of our website and services is also governed by our Privacy Policy, which explains how we collect and process personal data.

By using our website, you consent to such processing and warrant that all data you provide is accurate.

Our website uses cookies to improve user experience. By continuing to browse the site, you consent to our use of cookies in accordance with our Cookie Policy.

We reserve the right to suspend or terminate your access to our website or services at any time, without notice, if you breach these Terms or misuse our systems.

We may update these Terms from time to time. Updates will be posted on this page with a new "Last updated" date. Please check this page regularly to ensure you are aware of any changes.

These Terms are governed by and interpreted in accordance with the laws of England and Wales.

Any disputes arising under or in connection with these Terms shall be subject to the exclusive jurisdiction of the courts of England and Wales.

If you have questions about these Terms, please contact us at: info@paymente.co.uk 

Last updated: 28 October 2025

Welcome to Paymente, a trading name of ELRB Group Ltd ("Paymente", "we", "us", "our"). We respect your privacy and are committed to protecting your personal data.

This privacy policy explains how we collect, use, and protect your information when you visit our website www.paymente.co.uk or engage with our consultancy services.

ELRB Group Ltd is the controller responsible for your personal data.

If you have any questions about this privacy policy or our data protection practices, please contact us:

ELRB Group Ltd (trading as Paymente)

Email: info@paymente.co.uk

Registered address:

ELRB Group Ltd

55 Guylers Hill Drive, Clipstone Village, Mansfield, England, NG21 9RT

Company registration number: 16798676

Website: www.paymente.co.uk

You have the right to make a complaint at any time to the Information Commissioner's Office (ICO), the UK regulator for data protection issues (www.ico.org.uk).

We may collect, use, store, and transfer the following types of personal data:

• Identity Data – first name, last name, job title, business name.
• Contact Data – email address, phone number, business address.
• Financial Data – card turnover, payment processing details, and cost information (where voluntarily submitted for consultancy purposes).
• Technical Data – IP address, browser type, device information, and usage data collected through cookies and analytics tools.
• Marketing & Communications Data – your preferences in receiving marketing and communications from us.

We do not collect any special categories of personal data (e.g. race, religion, health) or information about criminal convictions.

We collect data in the following ways:

• When you fill out a form on our website (e.g. "Payments Healthcheck" enquiry form).
• When you contact us directly by email, phone, or social media.
• When you use or browse our website (through cookies or analytics tools such as Google Analytics).
• When you partner with us as a reseller or referral partner.

We use your personal data only when the law allows us to. The most common uses are:

• To respond to your enquiries and provide consultancy services.
• To assess your current card payment setup and provide a tailored proposal.
• To manage our business relationship with you or your company.
• To communicate about updates, offers, or services (where you have consented).
• To maintain our website and improve user experience.

We will only use your personal data for the purposes for which we collected it, unless we reasonably consider another purpose compatible with the original one.

We rely on the following lawful bases under the UK GDPR:

• Consent – when you submit forms or sign up for marketing communications.
• Contract – when processing is necessary to perform a service you have requested.
• Legitimate interests – for website analytics, business improvement, and ensuring service efficiency.
• Legal obligation – where processing is required for compliance with UK law.

We may share your data with:

• Trusted third-party service providers (such as CRM systems, hosting providers, or analytics tools).
• Payment partners or acquirers, where relevant to providing consultancy or quotes.
• Professional advisers (lawyers, accountants, insurers) for legitimate business purposes.

We require all third parties to respect the security of your data and to process it lawfully and confidentially.

Where your data is transferred outside the UK (for example, via cloud services), we ensure that adequate safeguards (such as UK-approved standard contractual clauses) are in place.

We have implemented appropriate security measures to prevent your personal data from being accidentally lost, used, or accessed in an unauthorised way.

Only authorised employees and contractors have access to personal data on a need-to-know basis.

We retain your personal data only for as long as necessary to fulfil the purposes we collected it for, including satisfying legal, accounting, or reporting requirements.

Generally:

• Enquiry data: retained for up to 24 months.
• Client data: retained for up to 7 years after the end of the relationship.

Under the UK GDPR, you have the following rights:

• The right to access your personal data.
• The right to correct inaccuracies.
• The right to request erasure ("right to be forgotten").
• The right to object to processing or withdraw consent.
• The right to data portability.
• The right to complain to the ICO if you believe your data has been misused.

To exercise any of these rights, contact us at info@paymente.co.uk.

Our website uses cookies to improve user experience and website performance. You can control or disable cookies through your browser settings.

For full details, please see our Cookie Policy (if published separately).

We may update this privacy policy from time to time. Any changes will be posted on this page with an updated "Last updated" date.