Terms and Conditions - annualcreditreport.co.uk


1. Use of this website is subject to your agreement to be bound by English law and to these terms and conditions. Your statutory rights are not affected. 2. Credit file searches leave a search footprint both in our records and at the credit reference agencies we search. These are for your protection so that you may see who has been searching your credit file. 3. You agree to appoint Credit Reporting Agency Limited as your attorney for the specific purposes of the exercising of your statutory rights to obtain details of information held about you at a credit reference agency. 4. We purchase information which is compiled within your credit file from other companies ('our suppliers'). We, together with our suppliers, agents and employees, take no responsibility for the contents of a credit file, its completeness or its usefulness. Our suppliers and we will take care to exercise reasonable skill in providing accurate information to you. The information supplied to you is provided to our suppliers and us from other companies whose accuracy we do not control or influence. We do not limit nor exclude any liability we may have to you for death or personal injury caused by negligence. In any other instance you agree that our liability to you is limited to £2. 5. You agree that you will not hold us, our employees, or any of our suppliers liable for any direct or indirect damages, costs, losses or expenses of any nature resulting from the use or misuse of the information delivered by us. You agree not to hold our suppliers liable for any delay in delivery or if we fail to supply you or if we omit any information for any reason. You agree to indemnify and keep indemnified us, our employees and agents and our suppliers against any claim or action made against them for any losses damages costs or other expenses in connection with your use of our services. 6. You agree that you will not use any of the information we provide to you including credit scores as the sole basis for any decision you may make nor use the information provided in any way that might be detrimental to us or to our suppliers. 7. We take substantial steps to protect the privacy of an individual when providing information over the Internet. You acknowledge and understand that there is always a remote possibility that criminal actions may result in unauthorised access to credit files. We take no responsibility if confidential information is unlawfully intercepted, hacked or stolen and subsequently disclosed. You agree that you will not disclose your password and user name to any one at any time. You agree that you will not distribute or make available any information supplied by us to any third party. If you become aware of any unauthorised use of our services, you agree to inform us immediately in order that steps may be taken to protect confidential information. 8. We have installed security devices and follow procedures that are designed to prevent unlawful access to information. From time to time we may have to temporarily suspend access to our services to enable us to protect this information. You agree that we may terminate supply of information to you at any time and without notice and for any reason that we will not disclose or discuss. 9. We depend upon our suppliers to provide information to us on demand. This means that when any of these are unable to provide information to us, we are not able to continue to provide an immediate service to you. We will always use our best efforts to supply information but we can give no assurance on the continuing availability of any or all of our services. 10. We continually try to improve the services we offer and may change the contents of credit files, this web site, the suppliers of information and any other aspect of our products and services without notice. 11. For your convenience, we provide links to other sites on our website. We have no control over the content of the linked web sites and assume no liability or responsibility for their accuracy, completeness or otherwise. 12. We give general advice on matters relating to credit information matters and in particular on how to fix errors found on credit files. We can give no warranty that our advice is correct in every detail and that all errors will be successfully removed, as we may not know all the facts and amendments to information databases are always at the discretion of the ultimate owner, and not us. 13. We provide credit scores with some credit files. The method of calculation of credit scores is a commercial secret and is not disclosed. We make no warranty and take no responsibility for the accuracy, relevance or otherwise of credit scores. 14. In the event of any dispute between us regarding the interpretation of these terms and conditions or the rights and obligations of either of us, as an alternative to any right you may have to take legal proceedings in England, you may choose to submit the dispute either to the arbitration of two parties (one selected by you and one selected by us) or to a mutually agreed umpire in accordance with the Arbitration Act 1996 or any subsequent amendment to that law. 15. Annual credit reports from annualcreditreport.co.uk are free subject to your agreement to receive emails from us at a frequency of no more than one per month. You may opt out of receiving emails at any time although this will make you ineligible to receive free credit reports in the future and you will no longer have access to any existing credit reports. 16. If you require additional information on your credit report which incurs additional costs for us, we will charge you accordingly in accordance with our published tariff. The service is intended to be automated and online help is designed to answer most queries without the need for contacting us. If you need to telephone us, your call will be charged at the rate published. In the event that you do not pay us for any reason including the failure by your bank to pay a cheque issued to us, or the action of you charging back a credit card or debit card transaction for any reason, you agree that we may record details at a credit reference agency (which may or may not include us, as we are a registered credit reference agency ourselves) together with your name and address and date of birth details, so that we and other organisations who search that credit reference agency may use such information for the purposes of payment risk assessment, money laundering and fraud prevention. The sharing of information in this way helps to reduce bad debts and credit fraud. 17. You agree without reservation that we may provide information about your use of our services to the Office of the Information Commissioner, the Office of Fair Trading, the Police and to our suppliers. We may also be required to reveal information about you or credit files under compulsion of law, Court Order or by agreement of you and us. 18. International access The offer of free annual credit reports applies only to UK citizens who are currently resident in the UK. We operate this website from Chynoweth House, Trevissome Park, Blackwater, Truro, Cornwall, TR4 8UN England. If you are not accessing the website from England or Wales, the laws that apply to your country may well differ. In accessing this website, you agree that these terms and conditions and your use of this website shall be governed in all respect by the laws of England, without 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. You further submit to exclusive jurisdiction of the courts of England for all disputes, cases and controversies regarding this website, your use of this website and your relationship with us, subject only to your option to use the dispute resolution process set out in clause 14 above. We make no representation that materials on this website are appropriate or available for use in other locations. Accessing this website from territories where the content is illegal or unlawful is prohibited. If you choose to access this 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 including any laws regarding the transmission of data exported either from England or from the country in which you reside, or from the country you are in when you access the website.