This Agreement is a legal document, which sets out your rights and obligations, and those of PIRC ("we", "us" or "PIRC"), in relation to this site and the services offered by us through it (the "PIRC Service"). You must take the time to read and understand it before registering for the PIRC Service. By registering, you accept that you are entering into a contract with us on the terms of this Agreement. You should be aware that this Agreement may change from time to time in accordance with Clause 16 below.
People who register for the PIRC Service establish an "Account", and become "Account Holders".
The PIRC Service allows Account Holders to make purchases from Service Providers which may qualify for cashback.
This is how it works. PIRC receives a commission (the "Referral Fee"), payable by a Service Provider, for purchases made by an Account Holder from the Service Provider, once that Service Provider has confirmed the purchase (each a "Qualifying Transaction").
Account Holders who have entered into Qualifying Transactions for which Referral Fees have been received by us will be able to see a positive account balance on their Account (a “Balance”). That Balance will be converted into a payment to you (“Cashback”) or credit for services once a year. To be clear, a Balance does not itself represent a sum of money held by PIRC on an Account Holder’s behalf.
See Clause 4 for more about Cashback.
When we refer to Service Providers, we mean sellers and suppliers of goods or services that agree to enter into Qualifying Transactions and pay us Referral Fees. Our Help Pages and other service documentation available on the PIRC site provide further information about our service; you should consult them concerning queries or issues you may have about the PIRC Service.
You must be at least 16 years of age to obtain an Account and certify that you are a Property Investor, Property Trader, Landlord or Property Developer. We regret our club is exclusive and Tradespersons, Builders, Construction companies are excluded from being able to access PIRC service providers and benefits.
A person may have no more than one Account. You must be a resident of the UK to register for a PIRC Account.
You must register for the PIRC Service using accurate and current information about yourself - including your correct name, address and any other requested details. You should keep this information updated through your Account, along with changes to your property portfolio.
Note that your Cashback Receipt Method may have rules about the maximum or minimum payment that you can receive through that cashback method.
Important: You must ensure that the email address we hold for you is kept up-to-date and that you have full access to it - we will be sending you important messages there. If you change email address, then you must change the address we hold for you on your Account.
After an Account Holder successfully completes a Qualifying Transaction, and once we have received the Referral Fee for that Qualifying Transaction, we pass the related Cashback on to the Account Holder through his/her Cashback Receipt Method annually once received from service providers.
Please note that there are various circumstances in which a transaction with a Service Provider may not constitute a Qualifying Transaction, and Cashback may not result from it. Our Help Pages provide further information about these circumstances.
There are various circumstances in which sums will not appear in an Account Holder’s Balance, and will be forfeited to us, namely:
By uploading or including any material on the PIRC Service, an Account Holder expressly grants:
Therefore, no-one may copy, distribute, show in public or create any derivative work from the PIRC Service, or any of the material which is found on the PIRC Service unless properly licensed to do so by us.
PIRC is not a party to any transactions with Service Providers, and is not the seller or supplier of, and does not endorse, any of the goods or services that they make available. Thus we do not have any of the legal obligations that apply to the sellers of those goods or services.
Accordingly, we have no control over or responsibility for:
To the extent that the law permits, you release us, our agents and employees from all liability arising out of or in connection with any transactions with Service Providers, including (without limitation) all claims and demands relating to transactions (whether completed or uncompleted) with Service Providers, or goods or services offered for sale or supply, or actually sold or supplied, through or in connection with any transactions with Service Providers.
We reserve the right to suspend or terminate any Account Holders access to the PIRC Service, or parts of it, if in our reasonable view the relevant Account Holder or Account appears to be in breach of any provision of this Agreement.
An Account should be used only for purchases on the Account Holder's own behalf, for the pruposes of their property investment business and not on the behalf of, or for the benefit of, any other person(s).
Account Holders must not enter into, or attempt to enter into, any transaction with a Service Provider or to endeavour to gain Cashback (a) by providing personal information of someone else, or a payment method which they are not entitled to use, (b) by deceptively or unfairly exploiting a Service Provider's offering, or (c) in breach of any terms and conditions applied by PIRC or the Service Provider to that transaction.
It is each Account Holder's obligation to ensure that any material posted by him/her or associated with his/her Account:
If anyone contacts us in relation to material or transactions associated with you or your Account, then you agree:
We or our partners may offer new or additional services through the PIRC Service from time to time. Your use of those services may be subject to additional terms and conditions, which you must comply with. Provided that those terms are notified to you on the PIRC Service in an appropriate manner when you agree to take those services, any failure by you to comply with a material provision of the terms governing those services will amount to a breach of this Agreement.
We reserve the right to withdraw, modify or suspend aspects of the PIRC Service, or the entirety of it, where we have legal, security, technical or commercial reasons to do so. We will endeavour to give you 30 days advance notice before taking such action, except where it is necessary to take earlier action for security reasons or because of technical difficulties which adversely affect the PIRC Service. There may also be times when the PIRC Service becomes inaccessible as a result of technical difficulties experienced by PIRC or on the Internet; we will, however, use reasonable skill and care to overcome these difficulties where they are within our control. Please note, however, that we cannot guarantee continuous access to the PIRC Service or any of the content that appears on it.
Nevertheless, we will strive to ensure that any periods of planned unavailability, which you will be informed of when you access the PIRC Service at the relevant time, are kept to a minimum.
For security or other reasons, we may require you to change password or other information which facilitates access to the PIRC Service; however, we will never ask you for your password via email, telephone, or any other means other than through the www.PIRC.com website. You are solely responsible for maintaining the confidentiality of your password and any additional identifying information.
You agree upon demand to indemnify PIRC against and to be wholly responsible for all liabilities, claims and expenses that may arise out of or in connection with (a) any breach of this Agreement by you or through your Account, or (b) any transaction with a Service Provider.
We reserve the right to assign this Agreement, and to assign or subcontract any or all of our rights and obligations under this Agreement, but will not do so in such a way as to reduce any guarantees you are given under this Agreement. You may not without the written consent of PIRC assign or dispose of this Agreement, nor subcontract any of your rights and obligations under it.
This Agreement is intended to contain your entire agreement with us relating to the PIRC Service; we believe it to be fair and reasonable. It replaces all earlier agreements and understandings with you relating to the PIRC Service, except for any fraud or fraudulent representation by either of us.
We reserve the right to change this Agreement from time to time, and post the new version on the PIRC Service. When we do so, we will post the new version of the Agreement on the PIRC Service, and the new version of these terms and conditions will take effect, and will govern the PIRC Service and your relationship with us:
In the event that any term of this Agreement is held to be invalid or unenforceable, the remainder of this Agreement shall remain valid and enforceable. You and PIRC are independent contractors, and no agency, partnership, joint venture or employee-employer relationship is intended or created by this Agreement. Our failure to act with respect to a breach by you or others does not waive our right to act with respect to subsequent or similar breaches.
This Agreement, and our relationship with you and each Account Holder, is governed by the laws of England.
You and we each submit to the non-exclusive jurisdiction of the English courts in relation to disputes arising in connection with this Agreement and any hearing will be held at a court in Northamptonshire.
We don't separately file the individual Agreements entered into by Account Holders when they register for the PIRC Service. You can access it at www.PIRC-Card.co.uk Please make a durable copy of this Agreement by printing and/or saving a downloaded copy on your own computer. It is offered in English only.
We are Property Investor Reward Club Limited, and our address for correspondence and queries is PIRC-Card.co.uk, PO Box 500, Northampton, NN3 3WQ. We are a company registered in England and Wales under registration no. 10336593. Please note that all communications (including formal notices) under this Agreement are to be sent and received by email. For this purpose, your notices should be sent via our Contact Form, and we will send our notices to you at the email address you notify to use when you register as an Account Holder, as changed subsequently in your Account details.
The FCA is the independent watchdog that regulates financial services. It requires us to give you this information. Use this information to decide if the services are right for you.
We provide quote indications from a panel of insurers and brokers as shown in the member’s area. The number of providers considered will be reflected in the quotation results where the quote indications are listed, when you will be able to see who the quote indications are from. You can then access those firms directly for a full quote from their web site(s).
PIRC provides you with a quote system. We are not an insurance or financial broker and do not sell insurance to you directly. We allow you to use our systems free of charge to compare quotes from a number of insurers and you will then transfer to their website to buy the policy.
Where PIRC promotes a cashback offer for a particular product, the promotion relates specifically to the cashback arrangement and should not be seen as an endorsement or recommendation of the individual insurance product being promoted.
We will not provide you with any advice on any product or quotation provided and you will need to make your own decision regarding its suitability for you in your individual circumstances.
We normally receive a Referral Fee from the insurer with whom you place your business and do not charge you a fee.
Our aim is to provide a first class service, however, if you wish to register a complaint about our insurance service, please contact us:
PO Box 500
info @ PIRC-card.co.uk