On the 18th of December, we changed our name to EP Financial Solutions. To find out more, click here

Terms and Conditions

Terms and Conditions for use of this website

These terms and conditions are here to help you, please read them carefully. Combined with our privacy policy, these govern the actions with you in regard to use of this website whose address is contactus.MyEPFS.com

By accessing and using this website you indicate that you accept these terms and conditions of use. If there are any items that you require further information on or you have any questions please contact our offices. If you do not accept these terms of use then please do not continue to access this website.

These terms and conditions and those of our Privacy Policy may change from time to time. We will do this by updating them on this website. Please check both of these documents from time to time when you access this website to ensure you are aware of the latest terms and are happy with any changes.

These Terms and Conditions are effective from 01/06/2016

We would recommend that you keep a copy of these terms of use for your future reference.

About us

This website is owned and operated by Everyday People Financial Solutions Limited, a company registered in Scotland. Our registered office is 24 George Square, Glasgow G2 1EG . Registered company number SC223606. We are authorised and regulated by the Financial Conduct Authority for accounts formed under the Consumer Credit Act 1974 (amended 2006) registration number 708669 and registered with the Information Commissioner’s Office for the purposes of Data Protection under reference Z9810407.

Your use of this website

This website is only intended for use by individuals who Everyday People Financial Solutions Limited has contacted in regards to an account with us.

To access this website you will need to confirm your identity. This will ensure that we only disclose sensitive or personal data to the correct person. In order to confirm identity we will ask you a minimum of three questions, which must be answered correctly before proceeding. If you believe that information of a personal nature may mean that others can access this website posing as you then you should contact us immediately. Please contact us stating your name and address and any reference number you have received from us. If you are concerned about any other potential breach of security you should also contact us using the information below;

Data Protection Officer
24 George Square
G2 1EG
Email: dataprotection@myepfs.com

We will not be responsible to you if there is unauthorised access using your personal details to confirm your identity or unauthorised activity on this website as a result of your personal details becoming known by someone else, unless this is due to our negligence.

This website allows you to make payments by debit or credit card. When you submit your payment details on this website you will receive on-screen confirmation of whether or not your payment has been accepted and a printable version and email confirmation once the transaction has been completed successfully.

We recommend that you keep a note of the transaction numbers given for all payments processed using this website and check the total payment amounts against your bank or card statement. Payments made to us via this site will show as paid to EP Financial Solutions on your bank or card statement.

You must take care not to do anything that could harm this website or the computer systems which host this website.

Our Liability to You

These terms of use do not exclude or limit our liability (if any) to you for:

We are not responsible to you for any losses which you may incur which were not a foreseeable or obvious consequence of us breaching these terms of use - for example, if you and we could not have anticipated those losses before or when you access this website or it was not obvious that those losses would result.

While we try to ensure that this website is functioning correctly this may not always be achievable. We cannot guarantee that this website will be available all the time or at any specific time, for example where we need to undertake maintenance of the site.

In particular, we do not accept liability for loss where you are unable to access this website, including but not limited to your inability to obtain information, manage your account or contact us via this website. In the event that you are unable to access this website you can contact us by telephone, post or email to carry out these tasks.

We work to ensure that this website is free from computer viruses and other harmful computer programs. However we cannot guarantee this due to the nature of the Internet. You are advised to use appropriate firewall and anti-virus software to safeguard your computer when using this website.

We do not guarantee that this website will be compatible with all or any hardware and software which you may use.

We are not responsible to you for losses which you suffer due to any event beyond our reasonable control.

Our liability to you shall not in any circumstances include any business losses that you may incur, including but not limited to lost business data, lost profits or business interruption.

Information on this Site

Except in respect of information specifically disclosed to you after your identity has been successfully confirmed:

If there are any errors or omissions in the information we make available to you on this website we will only be liable to you for losses you suffer as a result if the relevant errors or omissions are due to our negligence.

Our liability to you as explained above remains unaffected by this.

Our Intellectual Property Rights

This website and all the materials contained on it are protected by intellectual property rights, including copyright, and either belong to us or are licensed to us to use. Materials include, but are not limited to, the design, layout, look, appearance, graphics, text and documents on this website.

You may not copy, redistribute, republish or otherwise make the materials on this website available to anyone else without our written permission. We do not give you permission to do anything with this website except to browse its contents and use any facilities we make available to you.

You may print or download materials from this website provided that:

Linking to the websites

Wherever possible we do endeavour to provide links which we believe are of potential interest and benefit to you. These links to other websites are not within our control. It is your responsibility to check the terms of use and privacy policy on any other website which you visit the same as you have done with this website.

If you make a contract with a third party who is named or referred to on this website, this is entirely at your sole risk and it is your responsibility to ensure that you are comfortable with the terms of that contract and to take legal advice if necessary.

Ending Your Use of this Website

You are free to stop using this website and the facilities on it at any time.

We may withdraw your permission to access this website or use any facilities available on this website if you fail to comply with these terms of use.

Other Information

We may modify this website at any time, for instance to comply with changes in the law or to add new features. We will try as far as possible to ensure that any modifications do not reduce the quality of this website. Any new features will fall within the terms and conditions as outlined here or as amended from time to time.

We reserve the right to withdraw, suspend or discontinue any functionality or feature on this website at any time.

These terms of use and all communications between us will be conducted in the English language.

Your use of this website and any dispute arising out of such use of the website is subject to the laws of England and Wales, Northern Ireland, Republic of Ireland, and Scotland.

Our Registered Office Address for correspondence:

For the United Kingdom;
Everyday People Financial Solutions Limited
24 George Square
G2 1EG

With effect from 18th December, Arvato Financial Solutions changed to EP Financial Solutions.

Why did we change our name?
What customers should know?
Who are Everyday People?