Terms and Conditions

These Terms and Conditions relate to the Credit Compass services and use of the creditcompass.co.uk website. The Credit Compass services are described in paragraph 4.

Callcredit Consumer Limited operates this website and will be providing the Credit Compass services to you. Our Company name is Callcredit Consumer Limited (with registered number 7891157) and Our registered office is at One Park Lane, Leeds, West Yorkshire, LS3 1EP. In these terms We will use the following words to refer to ourselves: “We” / “Us” / “Our”.

PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY BEFORE USING THIS WEBSITE AND SIGNING UP FOR THE CREDIT COMPASS SERVICES AS THEY CONTAIN LEGAL RIGHTS AND OBLIGATIONS

  1. Our Contract With You

    1. These are the terms and conditions which apply to Your use of the creditcompass.co.uk website and are also those on which We supply the Credit Compass services to You.
  2. Changes to These Terms and Conditions or the Credit Compass Services

    1. We may change these Terms and Conditions or the Credit Compass services at any time. If We do this We will put the new terms and conditions or details of the changes to the Credit Compass services on the creditcompass.co.uk website. The changes will take effect when they are posted on the creditcompass.co.uk website.
    2. If You don’t want to continue to be registered on the creditcompass.co.uk website or to continue to get the Credit Compass services then You can cancel Your registration/membership by letting Us know in writing by e-mail to care@creditcompass.co.uk.
  3. Registration

    1. Before You can use the Credit Compass services You must apply to use the Credit Compass services. Part of this process is registering on the creditcompass.co.uk website. After We have received Your application for the Credit Compass services We will review it and let You know as soon as We can whether You have been accepted as a user of the Credit Compass services. Please note that not everyone that applies for the Credit Compass services will be accepted as a user.
    2. We do not have to notify You why You have not been accepted, but one reason for this may be that, at the time You make Your application, We may have been unable to match Your personal details to the correct credit report. We are constantly seeking to improve Our matching service and if We are subsequently able to match You to the correct credit report We may invite You to be a user of the Credit Compass services.
    3. You may only register for the creditcompass.co.uk website and use the Credit Compass services if You are over 18 years of age. By registering on the creditcompass.co.uk website and making the application to use the Credit Compass services You confirm that You are over 18 years of age.
    4. You may only use and access the Credit Compass services on Your own behalf and not on behalf of anyone else. You should be aware that You cannot order credit information about anyone else from this website.
    5. Once We have received Your application for the Credit Compass services We will send You an automated acknowledgement. This is purely for acknowledgement purposes and is not an agreement from Us to provide You with the Credit Compass services or any other service.
  4. Credit Compass Services

    PLEASE READ THIS PARAGRAPH CAREFULLY AS IT EXPLAINS WHAT THE CREDIT COMPASS SERVICES ARE AND WHAT EXCLUSIONS APPLY

    1. Once We accept Your application for the Credit Compass services, We agree to provide the services listed below to You, in return for payment of the price listed on the creditcompass.co.uk website, under these Terms and Conditions. In these Terms and Conditions, where we use the terms “Credit Compass Services” or “Services” we mean the following:
      1. Credit Report

        We will provide a credit report to You online. The credit report will be updated daily.

      2. Credit Rating

        We will carry out an assessment of Your credit rating based on the information that We hold about You. This assessment will be available to You online, and will be based in part on Your history of borrowing and repayment.

      3. Alerts

        When You have successfully registered on Our site We will notify You, via the email address You supply when You register with Us, if there has been a significant and material change in Your credit file that We hold.

    2. The Credit Compass Services are only available to customers who live in the UK.
    3. Whilst We will try to make sure that the creditcompass.co.uk website is available for use as much as possible We cannot guarantee its availability. You will appreciate that We need to take it down from time to time for maintenance. We will try to do this at times when We are expecting low usage but cannot guarantee that this will be the case. No software provider can fully guarantee that its website and/or content is completely virus and bug free, but You should be aware that We are committed to trying to make the Credit Compass Services as virus and bug free as We can. You should therefore use virus checking software.
    4. It is important to Us that the information We supply to You is as accurate as possible and We use our reasonable efforts to verify its accuracy. We cannot guarantee that it is completely accurate, however as some of this information comes from other businesses, who get the information from other sources themselves such as the electoral roll, insurance companies or financial institutions. We have no control over the content of this information and cannot be liable for it.
    5. You will appreciate that whilst certain of the Credit Compass Services will provide information to You this is provided for guidance and information only. Any businesses who carry out credit searches on You will take information from a number of sources and use their own criteria in making decisions based on it. You should not rely on the information We provide to You and We cannot be responsible or liable to You if You do rely on it or take any action based upon it.
  5. Price of the Credit Compass Services

    1. The Credit Compass Services will be provided at the prices set out on the creditcompass.co.uk website at the time you place Your order for the Services. The Services offered and the prices will change from time to time and You must ensure that before ordering a product You have read and accepted the description of the products and the prices.
    2. If You order Your credit report and You are accepted as a customer then You will receive Your credit report as soon as We are able to provide it to You. Payment of the price for the credit report at the rate set out on the creditcompass.co.uk website when You order Your credit report, will be taken from Your account within 15 days of Your application, and paid in accordance with clause 6 below.
    3. From time to time We may email You with details of certain promotions We are willing to make available to You. These promotional offers are personal to You and may not be shared with third parties. If You attempt to use a promotional code that was not sent to You, then We reserve the right to charge You the full price for the service You have requested.
    4. If You have been offered products or services as part of a particular promotion, then:
      1. You will receive those products or services for the period of time and at the price stated within the promotion; and
      2. once the time period specific in the promotion has ended, Your right to access the products or services at the promotional rates will expire. You may then enter into a new agreement with Us to buy the relevant products or services at the prices set out on the creditcompass.co.uk website.
  6. Payment

    1. You must pay for the Services You order from Us by entering Your payment card details when you apply to register on the creditcompass.co.uk website.
    2. You may receive an automated acknowledgement confirming the registration of Your card as a means of payment for the Services. Please note that this automated message does not mean We will be able to provide the Services to You and does not bind us to do so.
    3. All prices for the Services will be displayed on Our website, and once You have ordered the Services the price will be deducted from the payment card details You provided on registration. The price will be deducted from Your payment card monthly.
    4. In respect of the monthly fees, these will automatically be charged at the rates in place when You sign up to receive the Services. These fees may be revised on each anniversary of the date when You first paid for Your report, until either We or You cancel the contract in writing as set out in these Terms and Conditions. If we do alter the price of your subscription we will write and provide you notice of the proposed change in price and enable you to cancel the Services if you do not agree to the new price. You should check the creditcompass.co.uk website regularly to ensure You are aware of the price of Our Services.
    5. By agreeing to these Terms and Conditions You authorise Us to use the information about Your payment card to verify your identity and to set up Your use of the Services, and to debit payments from Your payment card. The details of Your payment card may be retained by Us for Your convenience should You chose to return to Our website to make future purchases of Our products and/or services and for as long as necessary in order for Us to provide You with the products and/or services You have ordered and as otherwise required by law. THIS AUTHORITY WILL REMAIN IN FORCE UNTIL YOU CANCEL IT IN WRITING. We therefore encourage You to contact Us if you wish to verify, correct or update any of Your payment card details.
    6. In the event that You do not pay Us for any reason including, without limitation, your cancellation of a credit card or debit card transaction for any reason, You agree that:

      1. 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; and
      2. We may cancel Your access to the products and services and We may refuse You the right to purchase any further products or services available on the creditcompass.co.uk website.
  7. Duration of Credit Compass Services and Your right of cancellation

    1. We will automatically continue to provide the Credit Compass Services until:

      1. You contact Us via email on care@creditcompass.co.uk and tell Us that You no longer want to receive the Credit Compass Services and be registered on the creditcompass.co.uk website. We will administer this change within a reasonable time. If You tell Us that cancellation is a matter of urgency, e.g if You think that someone has got access to Your password, We will do Our best to cancel Your registration immediately; or
      2. We cancel Your registration on the creditcompass.co.uk website and cancel Your receipt of the Credit Compass Services because of Your misuse of the Credit Compass Services. Misuse of the Credit Compass Services means use of the Credit Compass Services in a way which is not permitted by or which is prohibited by these Terms and Conditions or there is fraud; or
      3. We stop providing the Credit Compass Services or the creditcompass.co.uk website.
    2. We regret that if We withdraw part or all of the Credit Compass Services We cannot be responsible for any costs or losses You incur.
  8. Security

    1. Your right to access the creditcompass.co.uk website and the Credit Compass Services is personal to You. You must not allow any other person to have access to Your account on the creditcompass.co.uk website or the Credit Compass Services using Your username and password. You must keep Your username and password confidential.
    2. We reserve the right to suspend Your access to the creditcompass.co.uk website and the Credit Compass Services if at any time We consider that there is or is likely to be a breach of security or Your use of the creditcompass.co.uk website is in any way detrimental to Us or anyone else.
    3. We reserve the right to require You to change any or all of the passwords used by You in connection with the creditcompass.co.uk website and/or the Credit Compass Services.
  9. Copyright, Trade Marks and Other Intellectual Property Rights

    1. You acknowledge and agree that all copyright, trade marks and all other intellectual property rights in the creditcompass.co.uk website and Credit Compass Services and all aspects of them shall be owned by Us or those businesses who provide services to Us as part of the Credit Compass Services such as those businesses who provide any vouchers and special offers (if applicable).
    2. You may take reasonable copies of the information or reports provided as part of the Credit Compass Services solely for Your own personal use. You may not use it on a commercial basis or provide it to anyone else. You may not sell it on, republish it, redistribute it, copy (except as permitted above) or adapt it.
  10. Our Liability to You

    PLEASE READ THIS PARAGRAPH CAREFULLY AS IT EXPLAINS WHAT LIABILITY WE HAVE TO YOU AND WHAT EXCLUSIONS APPLY

    1. There are certain things which We agree We will not exclude or limit Our liability to You for. These are:

      • liability for death or personal injury caused by negligence;
      • fraud or fraudulent misrepresentation; or
      • any other liability which We cannot limit or exclude under law.
    2. Nothing in these Terms and Conditions affects any statutory rights You may have as a consumer.
    3. We will as far as possible try to ensure that the information provided in Our products and Services is accurate. However, We rely on information from various different sources to put together the products and Services. We cannot therefore accept any liability for any losses You may incur due to the details of any credit checks being inaccurate or not up to date.
    4. Subject to paragraph 10.5 below, if We breach these Terms and Conditions or are negligent in providing the Credit Compass Services We will be responsible for loss or damage that You suffer which is foreseeable i.e. which is a likely result of Our breach or negligence in providing the Credit Compass Services. Please note that if the loss or damage is not foreseeable We cannot be responsible for it.
    5. We cannot be responsible to You for loss or damage or any other liability (whether it arises from breach of these Terms and Conditions or negligence) in any calendar year which is in excess of the amount paid by You for the Credit Compass Services You obtain through the creditcompass.co.uk website during that year.
  11. Data Protection, Cookies and Privacy Policy

    1. We will collect personal information in connection with Your use of the Credit Compass Services via the creditcompass.co.uk website. Our privacy policy has details of what information We collect, what We do with that information, and any other related matters such as cookies. Our privacy policy forms part of these Terms and Conditions
    2. You agree that We can collect, use, transfer and disclose Your personal information in accordance with Our privacy policy, and You also agree to Our use of cookies as described in Our privacy policy. To view Our privacy policy please click below.

      Privacy Policy

  12. How to Contact Us

    1. If You have any questions or if You have any complaints, please contact Us. You can contact Us by e-mailing Us at care@creditcompass.co.uk.
  13. Hyperlinks to other websites

    1. To provide increased value to You, We may provide links to other websites or resources for You to access. You can choose whether or not to access these links. As You will appreciate, once You have left our website We are not responsible for the availability or content of these external websites or resources. We do not review or endorse the content of these websites. If You provide Your personal details to these external websites then the use of these personal details will be governed by the privacy policy of that website and not Our privacy policy.
  14. Miscellaneous

    1. We shall be under no liability for any delay or failure to deliver the Credit Compass Services or otherwise perform any obligation under these Terms and Conditions if the delay or failure is caused by circumstances beyond Our reasonable control.
    2. If any portion of these Terms and Conditions is held by any competent authority (such as a court) to be invalid or unenforceable (either wholly or in part) the validity or enforceability of the other portions of these Terms and Conditions shall not be affected.
    3. These Terms and Conditions do not give anyone who is not a party to them any rights under the UK Contracts (Rights of Third Parties) Act 1999. This does not affect any rights or remedies of anyone else which exist or are available apart from that Act.
    4. These Terms and Conditions and your use of the creditcompass.co.uk website and Credit Compass Services shall be governed by the laws of England and Wales and You agree to submit to the exclusive jurisdiction of the courts of England and Wales.
    5. You are entitled to request a paper copy of these Terms and Conditions from Us. If you wish to receive a paper copy You should send an email making the request to care@creditcompass.co.uk.

Last updated December 2013