Legal

Legal Information – Ratechecker

Last updated: 23 January 2026

Ratechecker is a trading name of Layopay Limited (company number 14517140), registered at Fulford House, Newbold Terrace, Leamington Spa, Warwickshire, United Kingdom, CV32 4EA.

This page contains:

The End User Licence Agreement ("Terms")
The Privacy Policy
The Cookie Policy

By using Ratechecker, you agree to all.

End User Licence Agreement (EULA)

Quick Summary (Plain English)

This summary is for convenience only. The full legal terms apply below.

•Ratechecker provides payment statement analysis and comparison tools only
•Quotes, savings figures and comparisons are indicative
•You contract directly with third-party payment providers
•We do not provide payment processing or financial advice
•You must be 18+ and authorised to upload any documents
•The platform is provided "as is"
•Misuse or abuse may result in suspension or termination

By accessing or using Ratechecker, you agree to these terms.

IMPORTANT NOTICE

PLEASE READ THESE TERMS CAREFULLY BEFORE USING RATECHECKER.

By accessing or using the Ratechecker website or platform ("Platform"), you agree to be bound by this End User Licence Agreement ("Licence").

If you do not agree, you must not use the Platform.

You must be 18 years or over to use Ratechecker.

1. About Us

1.1 This Licence is a legally binding agreement between you ("you") and Layopay Limited trading as Ratechecker ("Ratechecker", "we", "us").

1.2 We license you to use:

the Ratechecker website, tools and software ("Platform");
any related documentation ("Documents"); and
the services provided through the Platform ("Service").

2. Licence Grant

2.1 We grant you a non-exclusive, non-transferable, revocable licence to use the Platform in the United Kingdom for lawful purposes.

2.2 You may use the Platform to:

upload card processing statements;
receive summaries, comparisons and indicative quotations;
evaluate alternative payment processing options.

2.3 You acknowledge that:

Ratechecker does not provide payment processing services;
Ratechecker is not a lender, broker or financial adviser;
any payment services contract is entered into directly between you and a third-party provider.

3. Information Accuracy & Third Parties

3.1 Comparisons, quotes and savings figures are indicative only.

3.2 We rely on information provided by you and third parties and do not guarantee accuracy, completeness or timeliness.

3.3 We are not responsible for:

third-party pricing, onboarding, contracts or service levels;
decisions you make based on Platform outputs.

Your statutory rights are not affected.

4. Acceptable Use

You must not:

upload documents without proper authority;
submit false, misleading or fraudulent information;
scrape, reverse-engineer or exploit the Platform;
interfere with security or availability;
use the Platform for unlawful or abusive purposes.

You are responsible for all activity carried out using your access credentials.

5. Intended Use

The Platform is intended for use by business owners or authorised representatives only.

You may not resell, white-label or commercially exploit Ratechecker without our prior written consent.

6. Availability & Changes

We may update, modify, suspend or withdraw any part of the Platform at any time.

We do not guarantee uninterrupted or error-free access.

7. Intellectual Property

All intellectual property rights in the Platform, Documents and Service belong to Ratechecker or its licensors.

No rights are transferred to you other than the licence expressly granted under this Licence.

8. Data & Privacy

Use of the Platform is subject to our Privacy Policy, set out below.

You grant us a non-exclusive, royalty-free licence to use anonymised and aggregated data derived from your use of the Platform for analytics, benchmarking and product improvement.

9. Liability

9.1 The Platform is provided "as is" and for general information purposes only.

9.2 We are liable only for foreseeable loss caused by our breach of this Licence or failure to exercise reasonable care and skill.

9.3 We are not liable for:

loss of profits, revenue or business opportunity;
third-party provider actions or omissions;
decisions made based on Platform outputs.

9.4 Our total liability under this Licence is limited to £100, except where liability cannot be limited by law.

9.5 Nothing in this Licence limits liability for death or personal injury caused by negligence, fraud or fraudulent misrepresentation.

10. Indemnity

You agree to indemnify and hold harmless Layopay Limited, its officers, employees and contractors from any losses, liabilities, damages, costs or expenses arising out of:

your breach of this Licence;
misuse of the Platform; or
submission of inaccurate, misleading or unauthorised information.

11. Termination

We may suspend or terminate your access if you materially breach this Licence.

On termination, all rights to use the Platform cease immediately.

12. Governing Law

This Licence is governed by English law.

The courts of England and Wales have exclusive jurisdiction.

Privacy Policy – Ratechecker

Last updated: 23 January 2026

Ratechecker is a trading name of Layopay Limited ("we", "us", "our").

We are committed to protecting your personal data.

This policy explains how we collect and process personal data when you visit https://www.ratechecker.io.

1. About This Policy

This policy applies to personal data collected through the Ratechecker website only.

Layopay Limited (t/a Ratechecker) is the data controller under UK data protection law.

Contact details

Layopay Limited (t/a Ratechecker)

Fulford House, Newbold Terrace

Leamington Spa, Warwickshire, CV32 4EA

📧 privacy@ratechecker.io

2. Personal Data We Collect

We may collect:

Identity Data – name, job title, business name
Contact Data – email, phone number, business address
Financial Data – limited data from uploaded merchant statements (no full card numbers)
Transaction Data – quote and comparison activity
Profile Data – preferences and feedback
Marketing Data – communication preferences
Technical & Usage Data – IP address, device and analytics data

We also use aggregated and anonymised data, which is not personal data.

Failure to provide required data may prevent us from delivering services.

3. How We Collect Data

Information you provide directly
Cookies and analytics tools
Third-party sources (e.g. Companies House, analytics providers)

4. Cookies

We use cookies to improve functionality and analyse usage.

You can manage cookies via your browser settings.

5. How We Use Personal Data

We process data lawfully for:

statement analysis and comparisons
responding to enquiries
marketing communications (where permitted)
analytics and platform improvement
security, fraud prevention and administration

We generally rely on legitimate interests, unless consent is required.

You may opt out of marketing at any time.

6. Data Sharing

We may share data with:

employees and contractors
service providers (IT, hosting, analytics)
professional advisers and regulators
buyers or investors during a sale or restructure

All recipients must protect your data appropriately.

7. International Transfers

Where data is transferred outside the UK or EEA, appropriate safeguards are applied.

8. Security

We use technical and organisational measures including access controls, encryption and secure hosting.

9. Data Retention

Data is retained only as long as necessary for legal, regulatory and business purposes.

Data may be anonymised for research or analytics.

10. Your Rights

You have the right to:

access your data
request correction or deletion
object to processing
restrict processing
request data portability
withdraw consent

Requests: privacy@ratechecker.io

11. Third-Party Links

We are not responsible for third-party websites or their privacy practices.

12. Changes

We may update this policy from time to time.

The latest version will always appear on our website.

13. Complaints

You may complain to the Information Commissioner's Office (ICO) at https://www.ico.org.uk

Please contact us first so we can try to resolve the issue.

Cookie Policy – Ratechecker

Last updated: 23 January 2026

What are cookies?

Cookies are small text files that are placed on your device when you visit our website. They help us provide you with a better experience by remembering your preferences and understanding how you use our site. Cookies cannot harm your computer and do not contain any personal information unless you choose to provide it.

What cookies do we use?

Essential Cookies

These cookies are necessary for the website to function properly. They enable core functionality such as security, network management, and accessibility. Without these cookies, services you have asked for cannot be provided.

Examples:

Session cookies – Keep you logged in during your visit
Security cookies – Protect against fraudulent activity and ensure secure connections
Cookie consent – Remember your cookie preferences

Analytics Cookies

These cookies help us understand how visitors interact with our website by collecting and reporting information anonymously. This data helps us improve our website and provide better content and services.

Examples:

Google Analytics – Tracks page views, session duration, and user behaviour patterns
Performance monitoring – Helps us identify and fix technical issues

Marketing Cookies

These cookies track your online activity to help advertisers deliver more relevant advertising or to limit how many times you see an advert. They may also be used to measure the effectiveness of advertising campaigns.

Examples:

Facebook Pixel – Measures advertising effectiveness and enables targeted advertising
Google Ads – Tracks conversions and remarketing for advertising campaigns

How long do cookies last?

Cookies can be either "session" cookies or "persistent" cookies:

Session cookies are temporary and are deleted when you close your browser. They are used to maintain your session whilst you navigate the site.
Persistent cookies remain on your device for a set period or until you delete them. They are used to remember your preferences and settings for future visits.

Managing your cookies

You have the right to decide whether to accept or reject cookies. You can exercise your cookie preferences by clicking on the "Cookie Preferences" link in our website footer, or by adjusting your browser settings.

Most web browsers allow you to control cookies through their settings. However, if you limit the ability of websites to set cookies, you may worsen your overall user experience, as some features may not function properly.

Browser-specific guidance:

Third-party cookies

Some cookies on our site are set by third-party services that appear on our pages. We do not control these cookies, and you should check the third-party websites for more information about these cookies and how to manage them.

Changes to this policy

We may update this Cookie Policy from time to time to reflect changes in technology, legislation, or our business operations. We will notify you of any significant changes by posting the new Cookie Policy on this page and updating the "Last updated" date at the top of this policy.

Contact us

If you have any questions about our Cookie Policy or how we use cookies, please contact us:

📧 Email: hello@ratechecker.com

Legal

Legal Information – Ratechecker

Last updated: 23 January 2026

Ratechecker is a trading name of Layopay Limited (company number 14517140), registered at Fulford House, Newbold Terrace, Leamington Spa, Warwickshire, United Kingdom, CV32 4EA.

This page contains:

The End User Licence Agreement ("Terms")
The Privacy Policy
The Cookie Policy

By using Ratechecker, you agree to all.

End User Licence Agreement (EULA)

Quick Summary (Plain English)

This summary is for convenience only. The full legal terms apply below.

•Ratechecker provides payment statement analysis and comparison tools only
•Quotes, savings figures and comparisons are indicative
•You contract directly with third-party payment providers
•We do not provide payment processing or financial advice
•You must be 18+ and authorised to upload any documents
•The platform is provided "as is"
•Misuse or abuse may result in suspension or termination

By accessing or using Ratechecker, you agree to these terms.

IMPORTANT NOTICE

PLEASE READ THESE TERMS CAREFULLY BEFORE USING RATECHECKER.

By accessing or using the Ratechecker website or platform ("Platform"), you agree to be bound by this End User Licence Agreement ("Licence").

If you do not agree, you must not use the Platform.

You must be 18 years or over to use Ratechecker.

1. About Us

1.1 This Licence is a legally binding agreement between you ("you") and Layopay Limited trading as Ratechecker ("Ratechecker", "we", "us").

1.2 We license you to use:

the Ratechecker website, tools and software ("Platform");
any related documentation ("Documents"); and
the services provided through the Platform ("Service").

2. Licence Grant

2.1 We grant you a non-exclusive, non-transferable, revocable licence to use the Platform in the United Kingdom for lawful purposes.

2.2 You may use the Platform to:

upload card processing statements;
receive summaries, comparisons and indicative quotations;
evaluate alternative payment processing options.

2.3 You acknowledge that:

Ratechecker does not provide payment processing services;
Ratechecker is not a lender, broker or financial adviser;
any payment services contract is entered into directly between you and a third-party provider.

3. Information Accuracy & Third Parties

3.1 Comparisons, quotes and savings figures are indicative only.

3.2 We rely on information provided by you and third parties and do not guarantee accuracy, completeness or timeliness.

3.3 We are not responsible for:

third-party pricing, onboarding, contracts or service levels;
decisions you make based on Platform outputs.

Your statutory rights are not affected.

4. Acceptable Use

You must not:

upload documents without proper authority;
submit false, misleading or fraudulent information;
scrape, reverse-engineer or exploit the Platform;
interfere with security or availability;
use the Platform for unlawful or abusive purposes.

You are responsible for all activity carried out using your access credentials.

5. Intended Use

The Platform is intended for use by business owners or authorised representatives only.

You may not resell, white-label or commercially exploit Ratechecker without our prior written consent.

6. Availability & Changes

We may update, modify, suspend or withdraw any part of the Platform at any time.

We do not guarantee uninterrupted or error-free access.

7. Intellectual Property

All intellectual property rights in the Platform, Documents and Service belong to Ratechecker or its licensors.

No rights are transferred to you other than the licence expressly granted under this Licence.

8. Data & Privacy

Use of the Platform is subject to our Privacy Policy, set out below.

You grant us a non-exclusive, royalty-free licence to use anonymised and aggregated data derived from your use of the Platform for analytics, benchmarking and product improvement.

9. Liability

9.1 The Platform is provided "as is" and for general information purposes only.

9.2 We are liable only for foreseeable loss caused by our breach of this Licence or failure to exercise reasonable care and skill.

9.3 We are not liable for:

loss of profits, revenue or business opportunity;
third-party provider actions or omissions;
decisions made based on Platform outputs.

9.4 Our total liability under this Licence is limited to £100, except where liability cannot be limited by law.

9.5 Nothing in this Licence limits liability for death or personal injury caused by negligence, fraud or fraudulent misrepresentation.

10. Indemnity

You agree to indemnify and hold harmless Layopay Limited, its officers, employees and contractors from any losses, liabilities, damages, costs or expenses arising out of:

your breach of this Licence;
misuse of the Platform; or
submission of inaccurate, misleading or unauthorised information.

11. Termination

We may suspend or terminate your access if you materially breach this Licence.

On termination, all rights to use the Platform cease immediately.

12. Governing Law

This Licence is governed by English law.

The courts of England and Wales have exclusive jurisdiction.

Privacy Policy – Ratechecker

Last updated: 23 January 2026

Ratechecker is a trading name of Layopay Limited ("we", "us", "our").

We are committed to protecting your personal data.

This policy explains how we collect and process personal data when you visit https://www.ratechecker.io.

1. About This Policy

This policy applies to personal data collected through the Ratechecker website only.

Layopay Limited (t/a Ratechecker) is the data controller under UK data protection law.

Contact details

Layopay Limited (t/a Ratechecker)

Fulford House, Newbold Terrace

Leamington Spa, Warwickshire, CV32 4EA

📧 privacy@ratechecker.io

2. Personal Data We Collect

We may collect:

Identity Data – name, job title, business name
Contact Data – email, phone number, business address
Financial Data – limited data from uploaded merchant statements (no full card numbers)
Transaction Data – quote and comparison activity
Profile Data – preferences and feedback
Marketing Data – communication preferences
Technical & Usage Data – IP address, device and analytics data

We also use aggregated and anonymised data, which is not personal data.

Failure to provide required data may prevent us from delivering services.

3. How We Collect Data

Information you provide directly
Cookies and analytics tools
Third-party sources (e.g. Companies House, analytics providers)

4. Cookies

We use cookies to improve functionality and analyse usage.

You can manage cookies via your browser settings.

5. How We Use Personal Data

We process data lawfully for:

statement analysis and comparisons
responding to enquiries
marketing communications (where permitted)
analytics and platform improvement
security, fraud prevention and administration

We generally rely on legitimate interests, unless consent is required.

You may opt out of marketing at any time.

6. Data Sharing

We may share data with:

employees and contractors
service providers (IT, hosting, analytics)
professional advisers and regulators
buyers or investors during a sale or restructure

All recipients must protect your data appropriately.

7. International Transfers

Where data is transferred outside the UK or EEA, appropriate safeguards are applied.

8. Security

We use technical and organisational measures including access controls, encryption and secure hosting.

9. Data Retention

Data is retained only as long as necessary for legal, regulatory and business purposes.

Data may be anonymised for research or analytics.

10. Your Rights

You have the right to:

access your data
request correction or deletion
object to processing
restrict processing
request data portability
withdraw consent

Requests: privacy@ratechecker.io

11. Third-Party Links

We are not responsible for third-party websites or their privacy practices.

12. Changes

We may update this policy from time to time.

The latest version will always appear on our website.

13. Complaints

You may complain to the Information Commissioner's Office (ICO) at https://www.ico.org.uk

Please contact us first so we can try to resolve the issue.

Cookie Policy – Ratechecker

Last updated: 23 January 2026

What are cookies?

What cookies do we use?

Essential Cookies

Examples:

Session cookies – Keep you logged in during your visit
Security cookies – Protect against fraudulent activity and ensure secure connections
Cookie consent – Remember your cookie preferences

Analytics Cookies

Examples:

Google Analytics – Tracks page views, session duration, and user behaviour patterns
Performance monitoring – Helps us identify and fix technical issues

Marketing Cookies

Examples:

Facebook Pixel – Measures advertising effectiveness and enables targeted advertising
Google Ads – Tracks conversions and remarketing for advertising campaigns

How long do cookies last?

Cookies can be either "session" cookies or "persistent" cookies:

Session cookies are temporary and are deleted when you close your browser. They are used to maintain your session whilst you navigate the site.
Persistent cookies remain on your device for a set period or until you delete them. They are used to remember your preferences and settings for future visits.

Managing your cookies

Browser-specific guidance:

Third-party cookies

Changes to this policy

Contact us

If you have any questions about our Cookie Policy or how we use cookies, please contact us:

📧 Email: hello@ratechecker.com

Legal Information | RateChecker