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Terms & conditions


By browsing and using this website you agree to comply with and be bound by the following terms and conditions of use, which together with our privacy policy govern PayPlan’s relationship with you in relation to this website. If you disagree with these Terms and Conditions of Use or any part of these Terms and Conditions of Use, please do not access or use this site.

The term “PayPlan” or “us” or “we” refers to the owner of the website. The term “you” refers to the user or viewer of our website.

The PayPlan website is owned and operated by Totemic Limited (referred to in the remainder of these Terms as PayPlan) whose registered address is: Kempton House, Dysart Road, PO BOX 9562, Grantham Lincolnshire NG31 0EA

Totemic’s Registered Company Number in England & Wales is 02789854

The aim of this website is to provide accurate information and give you access to the information, advice and services that PayPlan provides.

The use of this website is subject to the following terms of use:

PayPlan grants visitors to this website a license to use it in the following ways:

  • You may view, download specific documents made available for downloading by the website’s owner and print pages from the Website for your own personal (non-commercial) use, subject to the restrictions set elsewhere in these Terms of Use.

The licence to use this site can be terminated at any time without notice.

You must NOT use our website in the following ways:

  • Any way that causes, or could cause damage to the website or disable the availability and accessibility of the website, or in any other way which is unlawful, fraudulent, illegal or harmful.

Whilst PayPlan makes every effort to prevent the intrusion of viruses, worms or any other infectious programming code that could damage or corrupt files on your computer, because the Internet is not a stable medium, PayPlan cannot be held responsible and will not accept liability for occurrences resulting from the intrusion of viruses, worms or any other infectious programming code that could damage and corrupt files on your computer. Therefore, by using PayPlan’s website, you, the user of the website, assumes full responsibility for protecting against such occurrences.

Content may be updated or changed from time to time, without prior notice.


PayPlan uses reasonable care to ensure that the information appearing on this website is up to date and accurate.

  • Whilst PayPlan takes precautions to prevent the occurrence of errors and omissions, the user of this website should not take the accuracy of the information for granted. None of the material contained in this website is to be relied upon as a statement or representation of fact. PayPlan does not accept liability or responsibility and it gives no warranty as to the accuracy of this information. PayPlan is not giving advice or recommendation by virtue of having provided information on this Website. You acknowledge that such information and materials may contain inaccuracies or errors and we expressly exclude liability for any such inaccuracies or errors to the fullest extent permitted by law.
  • Under no circumstances will PayPlan or its employees accept liability for any decision made or action undertaken as part of reliance to the information contained on this Website. Your use of any information or materials on this website is entirely at your own risk. It shall be your own responsibility to ensure that any products, services or information available through this website meet your specific requirements.
  • Your statutory rights are not affected by this disclaimer.
  • From time to time this website may also include links to other websites. These links are provided for your convenience to provide further information. It is not possible for PayPlan to review the content of all websites to which this website links and we cannot be held liable for their content. PayPlan does not endorse the content of any websites to which is linked and users of this website link to other websites at their own risk. Anyone wishing to link to and all subsequent website pages hosted at this Uniform Resource Locator (URL), must remove the link if requested to do so by PayPlan. You may not create a link to this website from another website or document without PayPlan’s prior written consent.
  • PayPlan’s website is protected by UK and International Copyright Law and the website’s content may not be replicated or republished elsewhere, either online or offline, in any way, without the prior written permission of PayPlan. The content on this website is provided for personal (non-commercial) use only. This website contains material which is owned by or licensed to us. This material includes, but is not limited to, the design, layout, look, appearance and graphics. Reproduction is prohibited other than in accordance with the copyright notice, which forms part of these terms and conditions.
  • The trademarks, company names and logos (collectively, the Trademarks) displayed on this website, including but not limited to the PayPlan, JB Card and Totemic logos, are registered Trademarks of Totemic Limited. Any unauthorised use of these trademarks would violate copyright laws. PayPlan treats attempts at ‘Passing Off’ extremely seriously, and will take legal action when necessary. All trademarks reproduced in this website, which are not the property of, or licensed to the operator, are acknowledged on the website.

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


The fair treatment of our clients is central to how PayPlan operates as a business. We aim to deliver a high standard service, and in doing so, we respect your opinions and appreciate your feedback. If you are unhappy with our service, please let us know by writing to:

Kempton House
Dysart Road
NG31 7LE or by contacting us using our Contact Us form.

For the PayPlan Complaints Procedure please click here

If your complaint is related to a Claims Management Service please click here for the procedure.