IMPORTANT – PLEASE READ THESE TERMS AND CONDITIONS VERY CAREFULLY BEFORE USING THIS WEBSITE

The terms and conditions of use set out below apply to the website owned, operated and controlled by Credit Confusion Ltd, located on the World Wide Web at www.creditconfusion.co.uk (“the Website”).

The Website is intended for use by residents of the United Kingdom or those seeking to find out about their credit rating in the United Kingdom only. Use of the Website is subject to the Laws of England and to these terms and conditions which do not affect Your statutory rights.

These terms and conditions detail how the Website can be used. By using the Website, users are deemed to have full knowledge of the following terms and conditions and to have accepted them. You should not use the website until You have read the terms and conditions and agree to be bound by them.

1. GENERAL
Definitions
In these terms and conditions:
“Terms” means these terms and conditions.
"We" and "Us" means Credit Confusion which is the trading name of Credit Confusion Limited, a registered company (no. 05833012) whose registered address is 8A The Gardens Broadcut Fareham Hampshire PO16 8SS.
“You” means the user of the website.
“Website” means the website we provide at www.creditconfusion.co.uk, and other websites that we may at time to time add to our portfolio.
“Your” means pertaining to You.
“Your Data” means the information contained in the responses you complete on the Website and submit to us.

2. CHANGES TO THE TERMS AND CONDITIONS
We may, at any time, change, alter, add to or remove part or all of these Terms. You should therefore check these Terms whenever you use the Website to see if they have changed. If you use the Website after any change has been made to the Terms, your use will be regarded as your acceptance of the change(s).

3. ACCESS TO THE WEBSITE AND ITS CONTENT
We will try to allow You to have uninterrupted access to the Website, but access to the Website may be suspended, limited, stopped or delayed at any time. This may be to allow us to improve our service or because of faults or events which are beyond our control.
We may change (entirely or in part), replace, suspend or remove any information or service on the Website from time to time without first warning You. This may be necessary to update, improve or repair the Website and the service we provide to You.

4. OUR SERVICES
We are registered with the Credit Reference Agency (CRA). Our registration number is 590026.

Credit rating or scores
4.1 We offer a free credit check on the Website that will provide You with a credit rating. The credit rating is calculated using Your Data which is entered into a mathematical formula which we have created. The formula is a commercial secret and we will not disclose it to You.
4.2 If You provide us with any untrue, inaccurate or false data, information or response, this may cause the credit rating that we provide to You to be inaccurate or wrong.
4.3 As we may not know all the facts which could have an effect on Your credit score we make no warranty and take no responsibility for the accuracy, relevance or otherwise of Your credit rating or score. Subject to the exclusion and limitations set out in Clause 8 below, You agree not to hold us responsible or liable for any loss or damage that You may suffer either directly or indirectly from the use of the credit ratings we provide.
4.4 You agree that You will not use any of the information that we provide to You including any credit rating as the sole basis for any decision You make.

Information provided on the site
4.5 We also provide information about Your credit rating and credit generally. This may include such matters as an explanation of how Your credit rating is calculated, who has access to it and how You may try to improve it and/or how You may try to fix errors on credit files.
4.6 Although we have taken care over the information contained on the Website, we have not attempted to give exhaustive statements of law or any opinions on specific legal issues. This site does not provide or offer legal or other advice, and it is to be used for informational purposes only. You should not rely upon any content in it as legal advice, and we strongly recommend that You take independent advice from a professional qualified in the relevant field before making any decision based upon the information we provide, or before informing anyone else of such information or Your credit rating.
4.7 This information is provided as guidance only and we cannot guarantee that it is accurate in every detail or up to date. This is because we take our information in part from information databases and these databases are always controlled by and are at the discretion of the owners of such databases and not us. Such parties may not update the databases regularly or accurately.

General use of the Website
4.8 You agree that You will not use the Website in any way which causes loss, damage or other detriment to us or our employees, agents or suppliers, or any other third parties.

5. LINKS TO OTHER WEBSITES
5.1 We may provide links to other sites on our Website. Any such links are provided for Your convenience. We have no control over the content of such linked websites and we accept no responsibility or liability for their content, accuracy or completeness. You use them entirely at Your own risk.

6. DATA SUBMITTED BY YOU ON THE WEBSITE
6.1 You agree that You have taken all reasonable steps and all reasonable care to ensure that any data You submit to this Website is true and accurate in all respects and is free from viruses and anything else which may have a contaminating or destructive effect on any part of this Website or any other technology.

7. DATA PROTECTION
7.1 We are committed to protecting Your privacy. Where You submit personal information to us via the Website, we will process and use Your Data at all times in accordance with the Data Protection Act 1998. Our Data Protection License Number is Z9568047. If You wish to alter Your details or check the accuracy of Your Data please email us at info@creditconfusion.co.uk.
7.2 You will always own Your Data. However, by clicking on “Submit” You agree to grant us a license to copy, distribute and transmit such data in any manner to other companies selected by us which we believe may be able to help You to obtain credit or other similar services. One such company is Positive Response UK Limited, an introduction company, of Roddis House, 4-12 Old Christchurch Road, Bournemouth, Dorset BH1 1LG and You hereby give Your express consent for them to contact You in relation to any application or form fill that You might make on this Website, to establish whether they, or any of their customers might be able to help You.   
7.3 In the event that we pass Your details to another company, such as Positive Response UK Limited, they may telephone You and offer You advice, credit or other services. If You do not wish to use their services and inform them of this, they will delete Your Data from their records and You will not be contacted by them in any form again.
7.4 If You do wish to use the services of a company to which we have passed Your details, the company may email You to provide You with information which they believe may be of interest to You. You will not receive more than 12 such emails in a period of one calendar year. If You do not wish to receive the emails at any time, You may cancel them by clicking on the “unsubscribe” link on the emails and following the instructions provided.
7.5 We may disclose Your details or access Your account if required to do so by law, by the Financial Services Authority, the Office of Fair Trading or any other applicable regulator, compliance monitor, Governmental or law enforcement agency.
7.6 You acknowledge and understand that as with all websites, and use of the internet, there is always a very small risk that criminal action may result in someone gaining unauthorised access to Your Data (which may include Your credit rating). You agree that we are not responsible if Your confidential information is unlawfully intercepted, ‘hacked’ or stolen and subsequently provided, disclosed or displayed to any other company or individual.
7.7 If You become aware of any unauthorised, illegal or improper use of our service, You agree to inform us immediately so that we can take steps to protect Your and others’ confidential information.

8. EXCLUSIONS OF LIABILITY AND INDEMNITY
8.1 We will use our reasonable efforts to ensure that the data and information on the Website is accurate in all material respects, and will use our reasonable efforts to correct any errors or omissions as soon as practicable after we have been informed of them. However, we cannot guarantee that the Website will be fault free and we do not accept liability for any errors or omissions in the information or advice on the Website.
8.2 You should be aware that the information that we provide may be inaccurate, incomplete or out of date for a number of reasons including those set out in Clause 4 above. To the extent that we are allowed to by law, we disclaim all warranties, terms and representations (whether express or implied) about the accuracy of any information contained on this Website.
8.3 We do not give any warranty that this Website is free from viruses or anything else which may have a harmful effect on any technology.
8.4 Due to the nature of electronic transmission of data over the internet, any liability we may have to You for any losses or claims You may have against us as a result of Your inability to access the Website, or use of the Website or Your reliance on information provided by the Website, is excluded to the fullest extent allowed by law.
8.5 You agree that You will not issue any court proceedings or other action against us, our employees, or any of our agents or suppliers claiming damages for any direct or indirect damages, costs, losses or expenses of any nature resulting from the use or misuse of the information and advice provided on the Website.
8.6 You agree to indemnify, and to keep indemnified, us, our employees, agents, sub-contractors and suppliers against any court claim or other action made against them for any direct or indirect damages, costs, losses or expenses of any nature, including loss of  profit, resulting from the use or misuse of the information we provide to You.

9. COPYRIGHT TRADEMARK AND INTELLECTUAL PROPERTY OF THE WEBSITE CONTENT
9.1 The copyright and all other intellectual property rights in the material contained in the Website, together with the Website design, text and graphics, and their selection and arrangement, and all software compilations, underlying source code and software (including applets) belongs to us or our licensors. All our rights are reserved.
9.2 You agree not to copy, reproduce, transmit, publish, display, distribute or commercially exploit such material without first obtaining our prior written permission and agreement. You may, however, download or print a single copy for Your own non-commercial off-line viewing.
9.3 All rights in creditconfusion.co.uk are owned by Credit Confusion Limited. Other product and company names mentioned on this Website are the trademarks or registered trademarks of their respective owners.

10. GENERAL
10.1 The Website is for Your non-commercial, personal use only and must not be used for business purposes.

11. TERMINATION AND CANCELLATION
11.1 We may terminate or suspend Your access to the Website and the services within it at any time and for any reason.
11.2 All disclaimers, indemnities and exclusions in these terms and conditions will survive the termination of the agreement between us for any reason.

12. OUR RIGHTS UNDER THIS AGREEMENT
12.1 If any provision of this agreement is held to be unlawful, invalid or unenforceable, that provision shall be deemed severed and where capable the validity and enforceability of the remaining provisions of this agreement shall not be affected.
12.2 If we fail to enforce a right under this agreement, that failure will not prevent us from enforcing other rights, or the same type of right on a later occasion.
12.3 Except as set out below in this clause, neither we nor You may assign or transfer any of the rights under these Terms without the prior written consent of the other to do so.
12.4 We may assign or transfer our rights under this agreement as a result of a re-organisation of trade or share sale, or to any company for our convenience.
12.5 Unless expressly stated in this agreement, no term of this agreement is enforceable pursuant to the Contracts (Rights of Third Parties) Act 1999 by any person who is not a party to it.

13. GOVERNING LAW
13.1 We operate the Website from servers based in the United Kingdom. In common with most other websites, this Website can be accessed from almost anywhere in the world. If You are not accessing this Website from the United Kingdom, the laws that apply to Your country may well differ from those of England.
13.2 In accessing this Website, You agree that these Terms and Your use of the Website is governed by and should be interpreted in accordance with English law with regard to conflict of laws or other regulation and in particular shall not be governed by the United Nations Convention on the International Sale of Goods.

14. ENQUIRIES, COMPLAINTS AND DISPUTES
14.1 We aim to provide a high quality service and to provide information in a manner which is helpful and easily understood by You. In the event that You have any difficulty understanding any of these Terms or if You have any other enquiry about our services, our company or the Website, You should contact us at Credit Confusion, Credit Confusion Place, 7 Garvey Close, Chepstow, Monmouthshire, NP16 5TD, Tel: 01291 637411
14.2 In the unlikely event that You have a complaint, then You should write to Credit Confusion, Credit Confusion Place, 7 Garvey Close, Chepstow, Monmouthshire, NP16 5TD We aim to provide an efficient and effective complaints service and to resolve complaints as quickly as possible. However, whilst every effort will be made to ensure that any complaints or enquiries are dealt with as quickly as possible, we cannot guarantee that they will always be dealt with within the timescale You may require.
14.3 Any disputes between You and us about the Website, Your use of the Website and Your relationship with us, subject to the dispute resolution process set out in Clause 14.4 below, shall be subject to the exclusive jurisdiction of the English courts, to which each party submits.
14.4 In the event of any disagreement or dispute between us and You about the meaning or interpretation of these Terms, or the rights or duties of either of us, as an alternative to any right You may have to take legal proceedings in England, You may chose to request that the dispute should be resolved by arbitration by a professionally qualified mediator in accordance with the Arbitration Act 1996 (as amended).
14.5 We make no representation that the materials on this Website are appropriate or available for use in other locations. If You choose to access the Website from other locations then You agree that You do so entirely at Your own risk and that You are responsible for compliance with local laws particularly those which govern the transmission of data exported either from England or from the country in which You live or are residing, or the country from which You are accessing the Website.
14.6 All source code, content and references contained in or utilised by this Website are copyrighted to Credit Confusion Ltd except where otherwise attributed.

© copyrighted to Viva-Law Solicitors Ltd