Terms and Conditions

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  • 1 - Terms and Conditions for Experian's website services

    • Last Modified: 1 July 2016
    • Version: 2.4

    Contents list:

    1. Definitions
    2. About us
    3. Important information about these Terms and Conditions
    4. Our Services
    5. Use of the Websites and Our Material
    6. Privacy of Your Data
    7. Warranties and Disclaimers
    8. Our liability to you
    9. Ending the Services
    10. Third Party Websites and Content
    11. Complaints
    12. Changes to these Terms and Conditions
    13. Use of Apps
    14. Other important information
    1. 1 - Definitions

      References to "we", "us" and "our" in these Terms and Conditions are to Experian Limited. References to "you" or "your" in these Terms and Conditions are to you as a user of the Websites and Services.

      "App" a mobile device application from Experian for use of certain Services. Apps can be downloaded from an application distribution platform.

      "FCA" means the financial services regulatory body known as The Financial Conduct Authority of 25 The North Colonnade, Canary Wharf, London, E14 5HS. The FCA can be contacted at www.fca.org.uk.

      "FSMA" means the Financial Services and Markets Act 2000, as amended from time to time, including any conduct of business rules developed by the FCA pursuant such legislation.

      "Our Material" means content, data and materials (including but not limited to information, reports, reviews, comment and opinion) delivered to you as part of the Services (whether on a computer screen, in email or paper format) or contained in the Websites, including the website design, text and graphics, and their selection and arrangement, and all software compilations, underlying source code and software and applets.

      "Services" means the services and facilities that we make available to you on the Websites and/or via an authorised Third Party Website from time to time and "Service" shall be interpreted accordingly.

      Terms and Conditions” means the terms and conditions set out here and the terms and conditions specific to the Service you receive (denoted by the Service name or the generic name for a product family at the beginning of the terms and conditions specific to the Service).

      "Third Party Content" means content and material (including but not limited to information, reviews, comment and opinion) belonging to a third party provider of products and/or services.

      "Third Party Website" means the website of a third party which is linked to or from the Websites or on frames within the Websites. This includes, for example, the websites of our selected third party partners who we authorise from time to time to make available access to certain of our Services from those websites.

      Websites” means our websites listed in the section headed “Important information about these Terms and Conditions” below, and any replacement website(s) we may use from time to time. “Website” shall have the meaning given in the terms and conditions specific to the Service you receive.

      "Your Data" means information and data you have provided to us on or in connection with the Websites and/or Services, which may from time to time include Personal Data as defined by the Data Protection Act 1998 (as amended).

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    2. 2 - About us

      1. We are Experian Limited, a company registered in England and Wales at Companies House with company number 00653331. Our registered office is at Landmark House, Experian Way, NG2 Business Park, Nottingham NG80 1ZZ, United Kingdom. Our VAT registration number is GB 887 1335 93.
      2. We are members of the Experian group of companies - for further information see www.experiangroup.com.
      3. For general enquiries not related to a particular Service you can contact us. Our contact details for enquiries about each of our Services are as set out on the Websites.

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    3. 3 - Important information about these Terms and Conditions

      1. These Terms and Conditions relate to your use of the following Websites and the Services we make available on those Websites:
      2. The terms for specific Services also form part of these Terms and Conditions. Our contract with you for a particular Service you receive is governed by the terms set out here (i.e. Clauses 1 to, and including, 14) and the terms specific to that particular Service.
      3. We intend to rely on these Terms and Conditions and it is our intention that you will be legally bound by them when you use our Websites and Services. For your own benefit and protection you should read these Terms and Conditions carefully before using them. IN PARTICULAR YOUR ATTENTION IS DRAWN TO THE SECTIONS ON “OUR LIABILITY TO YOU” AND OUR “WARRANTIES AND DISCLAIMERS”. If you do not understand any point please contact us.
      4. We advise you to print these Terms and Conditions and keep a copy for your future reference.
      5. You may have other consumer rights granted by law and these Terms and Conditions do not affect such rights.

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    4. 4 - Our Services

      1. Each of our Services is as described on the relevant Website and/or, where you access our Services via an authorised Third Party Website, as described on the relevant Third Party Website.
      2. For services provided by third parties, separate terms and conditions may apply.
      3. When you request a Service a binding legal contract is formed between us and you on the earlier to occur of:
        1. when we receive your payment (where there is a fee payable for the Service); and
        2. when we make the Service available.
      4. If you make a mistake when requesting a Service please contact us as soon as possible so we can try to correct the error.

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    5. 5 - Use of the Websites and Our Material

      1. You are permitted to access and make personal non-commercial use of the Websites, Our Material and Third Party Content we make available on the Websites for lawful purposes only and in a manner that does not infringe our intellectual property rights or those of third parties. Any access or use other than that which is personal non-commercial must be expressly agreed by us in writing and in advance. We do not give you permission to do anything with the Websites except to browse their contents and use any Services we make available to you.
      2. You must take care not to do anything that could harm the Websites or the computer systems which host the Websites. You must not do anything that restricts or inhibits the use and enjoyment of the Websites by other users.
      3. You are responsible for ensuring that Your Data submitted to the Websites is true and accurate and free from viruses and other harmful code.
      4. The Websites contain content which is made available by us (being Our Material) and by third parties (being Third Party Content). All information delivered to you in the course of the Services and all intellectual property rights, including copyright, in Our Material belong to us or our licensors. All intellectual property rights in Third Party Content belong to the relevant third party or their licensors.
      5. None of Our Material or the Third Party Content contained in the Websites may be reproduced or redistributed without our prior written permission, except that you may download or print a single copy for your own personal non-commercial use.
      6. Product names, trade marks or service names or marks or company names mentioned on the Websites and in connection with the Services are the trademarks, service marks, or business names of their respective owners. The word "EXPERIAN" and certain other words and graphical devices in respect of particular Services are trade marks of Experian Limited and/or its associated companies and may be registered in the EU, USA and other countries.

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    6. 6 - Privacy of Your Data

      1. We take your privacy very seriously and we comply with the relevant provisions of UK data protection legislation. We will use any information given to us by you or collected by us during your use of the Websites and Services only in accordance with our applicable Privacy Policy.
      2. Please be aware that we may record telephone calls you make to our call centres for training, audit and quality purposes.

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    7. 7 - Warranties and Disclaimers

      1. We will endeavour to provide the Websites and the Services with reasonable care and skill and to ensure that the Services are substantially as described on the Websites and in these Terms and Conditions.
      2. While we try to ensure that the Websites are functioning correctly, this may not always be achievable. We do not guarantee that the Websites or Services will be available all the time or at any specific time. They may be temporarily suspended if our computer systems used to provide the Websites or Services are under repair or maintenance or are otherwise unavailable.
      3. We do not guarantee that the Websites will be compatible with all or any hardware and software which you may use. For example, the Websites may not display or operate correctly if you access them using a mobile phone or similar device.
      4. We take steps to ensure that the Websites and Our Material are free from computer viruses and other harmful computer programs. However, we cannot guarantee this due to the nature of the Internet. You are advised to use appropriate firewall and anti-virus software to protect your computer and data.
      5. We use reasonable skill and care in the sourcing and supply of the information which is made available to you on or in connection with the Websites or Services. However, in the case of information we obtain from third party sources (including the details supplied by you), we cannot guarantee that any of that information is correct, accurate, complete, error free or up-to-date.
      6. Nothing provided by us on or in connection with the Websites or Services is, or shall be deemed to constitute financial or legal advice. The information we provide is not intended to be relied on by you in making (or refraining from making) any specific decision or to replace independent professional advice. Any and all information provided by us on or in connection with the Website is for general information purposes only.
      7. Except for the commitments we expressly make in these Terms and Conditions and any additional commitments arising out of your consumer rights granted by law, we do not make any other commitments or warranties about the Websites or the Services.

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    8. 8 - Our liability to you

      1. For further information about your legal rights and how they may be affected by these Terms and Conditions including this section on our liability to you, we advise you to contact your local Citizens Advice Bureau. If any problems arise with your use of the Websites or Services please contact us as soon as possible.
      2. Nothing in these Terms and Conditions excludes or limits our liability in respect of (a) death or personal injury caused by our negligence, (b) our fraud, (c) any other matter which it would be illegal for us to exclude or limit or to attempt to exclude or limit our liability, or (d) our duties or liability under the FSMA.
      3. We are not responsible to you for any loss or damage suffered by you which was not a reasonably foreseeable or obvious consequence of us breaching these Terms and Conditions - for example, if you and we could not have anticipated those losses before or when you accessed the Websites or used the Services or it was not obvious that those losses would result.
      4. We are not responsible to you for losses which you suffer due to any events beyond our reasonable control.
      5. We are not responsible to you for losses which you suffer which are not directly caused by our actions (or our failure to act).
      6. Unless we have been negligent then we are not responsible to you for any damage caused to any hardware or software used to access, use or download the Services.
      7. We are not responsible to you for losses you suffer under any contract you have with a third party through which your access to the Services and/ or any Website is arranged or paid for.
      8. Except as otherwise stated in these Terms and Conditions, our aggregate liability to you arising out of or in connection with each Service (including the Websites from which the relevant Service is provided) shall not exceed £100.
      9. Our liability to you shall not include the following business losses that you may incur lost business data, lost profits, lost earnings, business interruption or reduction in the value of an asset. We shall not be liable to you for any business losses if the Service is provided for your own personal use as a consumer.

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    9. 9 - Ending the Services

      1. You are free to stop using the Websites and the Services at any time.
      2. We may terminate or suspend access to or availability of the Websites at any time without notifying you.

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    10. 10 - Third Party Websites and Content

      1. The Websites may contain links to other websites and Third Party Content in respect of products and services, either directly or indirectly through frames. Where possible, we will make it clear where such links are being made. We are not responsible for Third Party Content or the availability of Third Party Websites.
      2. You can make requests for and purchase a number of products and services on Third Party Websites via our Websites. Please be aware that such products and services are not provided by us and are provided by third parties over whom we have no control.
      3. We do not endorse or take responsibility for any Third Party Content or any offers, arranging or advice (including but not limited to the comment, opinions, or recommendations) provided by third parties. You will need to validate the information and check the details of what is being offered by such third parties for yourself.
      4. Third Party Content and third party products and services available on the Websites or linked to from the Websites are subject to the separate terms and conditions and privacy policies of the relevant third party (in the case of privacy policies where the third party is collecting information from you, otherwise, where we collect information from you then our relevant privacy policies will apply). You should check them on the relevant Third Party Website and ensure that you are comfortable with them (and take legal advice if necessary) before making any application for the third party’s products or services. We are not responsible for any arrangements or agreements made between you and the relevant third party and they are entered into at your sole risk and expense.
      5. Information about third party products and/or services made available to you on or in connection with the Websites or on a Third Party Website is not intended to be an exhaustive list of all the products and/or services that could be available to you.

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    11. 11 - Complaints

      1. We are sorry if you feel the need to complain. We want to hear from you because telling us gives us the chance to put matters right for you, and see how we can improve what we do for others. Whatever way you complain to us, we will take notice. Click on the following link to find out about our complaints handling procedure and how to make a complaint. If we cannot resolve things under that procedure, then you may have the right to refer your complaint, free of charge, to the Financial Ombudsman Service. The contact details for the Financial Ombudsman Service are:

        Financial Ombudsman Service
        Exchange Tower London
        E14 9SR

      2. You also have the option to register your complaint using the European Commission Online Dispute Resolution (ODR) platform. This is a web-based platform that is designed to help consumers who have bought goods or services online to deal with issues arising from their purchase.

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    12. 12 - Changes to these Terms and Conditions

      1. Sometimes, because of changes to the Websites or Services, changes in the law or our arrangements with third parties, we may have to make changes to these Terms and Conditions. You can tell when changes have been made by checking the version and date on which they were last modified indicated at the start of these Terms and Conditions.
      2. We will not notify you individually of any changes in these Terms and Conditions. It is therefore important that you check these Terms and Conditions regularly and in particular on each occasion when you request Services.

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    13. 13 - Use of Apps

      1. The following apply if an App is available and that is used to access our Services or aspects of our Services:
        1. these Terms and Conditions apply to the use of any App and the Service through the App. These Terms and Conditions prevail over any terms which may be imposed by the application distribution platform for use of the App and/ or the Service through an App;
        2. without prejudice to Clause 13.1.1, in Clauses 5 and 7 the word “Website” shall include the word “App”;
        3. we will endeavour to ensure the App is available. We do not guarantee that it will be available at all times or at all, or that it will be fully functional;
        4. your use of any App will end at the same time as your use of the Services to which the App relates ends (however that occurs).

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    14. 14 - Other important information

      1. These Terms and Conditions are a contract between you and us and form the entire agreement between us. No-one except us and you has any right to enforce these Terms and Conditions by virtue of the Contracts (Rights of Third Parties) Act 1999.
      2. You may not transfer any or all of the rights granted to you under these Terms and Conditions to any other person.
      3. We may in our discretion discontinue or modify any of the Websites or Services at any time. We will try to ensure that any such discontinuation or modification does not materially adversely affect the nature of the Services provided to you.
      4. You must not create hypertext links to the Websites without our prior written permission.
      5. All communications between us will be conducted in the English language.
      6. Any notices we send to you will be sent to the most recent e-mail address or postal address provided to us by you.
      7. English law applies to these Terms and Conditions. If any disputes arise between you and us in relation to these Terms and Conditions and you want to take court proceedings, you must do so in the English courts unless you reside in Scotland, Wales or Northern Ireland, in which case you may do so in the courts of the country in which you reside.

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  • 2 - Terms and Conditions for Experian CreditMatcher Services

    • Last Modified: 18 July 2016
    • Version: 1.3

    Contents list:

    1. Definitions
    2. Our Services
    3. Fraud Checks
    4. Pricing and payment
    5. Warranties and Disclaimers

    These are terms specific to the Experian CreditMatcher Services and form part of the Terms and Conditions.

    1. 1 - Definitions

      CreditMatcher Services” means a service provided by Experian which provides the ability to compare information about third party products and/ or services and includes Eligibility Rating.

      Eligibility Rating” means the feature of the Credit Matcher Services which indicates the likelihood of your circumstances meeting the criteria of the of the product or service provider. It uses information from your Experian credit report, and may also use information from your credit report at two other credit reference agencies and information you provide.

      Website” means, for the purposes of these Experian CreditMatcher Services Terms and Conditions, www.experian.co.uk/consumer/creditmatcher/index.html.

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    2. 2 - Our Services

      1. Experian CreditMatcher Services are provided only for your personal non-commercial use.
      2. You will need to complete and submit the search form on the Website each time you wish to use the CreditMatcher Service.
      3. Each time you submit a CreditMatcher search submission form an automatic request for your credit information will be made. Please see clauses 2.4 and 2.6 for further information about these requests. A record of this request will be kept for 12 months by Experian where it relates to information in your Experian credit report.
      4. The information we can use to provide the CreditMatcher Service may vary depending on the product or service being matched but will be limited to: (i) the information you have given to us, (ii) the information in your Experian credit report, (iii) and any financial aliases we believe are linked to you (iv) and any financial associations we believe are linked to you and (v) credit information from the other two main Credit Reference Agencies (Equifax and CallCredit).
      5. CreditMatcher Services uses your credit information to match you with financial products and/or services based on the likelihood of your eligibility for such products and/or services. This likelihood is displayed as the Eligibility Rating.
      6. Records of requests for your credit information (whether the credit information is provided by us or Equifax or Callcredit) will ONLY be visible to you and NOT to any lenders. Therefore these requests will not be taken into consideration in any lending decision.
      7. You must be aged 18 or over in order to use the Experian CreditMatcher Service.

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    3. 3 - Fraud Checks

      1. For security reasons and to protect confidentiality, when you submit a CreditMatcher search form we will verify your identity by checking the details you provide in the CreditMatcher search submission form against details held on databases to which we have access for this purpose. A record of this check will be kept and may be used by other organisations for verification and fraud prevention purposes. We will check your details with the records we hold and share with fraud prevention agencies. If false or inaccurate information is provided and fraud is identified, we will record this and details will be passed to the other fraud prevention agencies. Law enforcement agencies may access and use this information. We and other organisations may also access and use this information to prevent fraud and money laundering, for example, when:
        1. Checking details on applications for credit and credit related or other facilities.
        2. Managing credit and credit related accounts or facilities.
        3. Recovering debt.
        4. Checking details on proposals and claims for all types of insurance.
        5. Checking details of job applicants and employees.
      2. Please contact us at Experian Ltd, PO Box 8000, Nottingham, NG80 7WF if you want to receive details of the fraud prevention agencies referred to in Clause 3.1. We and other organisations may access and use from other countries the information recorded by fraud prevention agencies.
      3. If we share information with the other two main Credit Reference Agencies (Equifax and CallCredit) then they may also use and share your information for the purposes described in Clause 3.1. To find out more about how Equifax or CallCredit use your information please contact them directly:
        • Experian, Consumer Help Service, PO Box 8000, Nottingham NG80 7WF or call 0844 4818000
        • CallCredit, Consumer Services Team, PO Box 491, Leeds, LS3 1WZ or call 0870 0601414
        • Equifax PLC, Credit File Advice Centre, PO Box 1140, Bradford, BD1 5US or call 0844 335 0550

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    4. 4 - Pricing and payment

      1. There is no charge for you to use the CreditMatcher Service.
      2. Please note we will receive commission and fees from certain third parties who advertise on or are linked to the Websites or as a result of you having purchased products and/or services. All such commission and fees shall be retained in full by us.
      3. In the event that you proceed to purchase a product or service from a third party, the charges and payment terms will be subject to that third party’s relevant terms and conditions.

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    5. 5 - Warranties and Disclaimers

      1. For the reasons explained in Clause 7.5 of the Terms and Conditions for Experian’s Website Services, the information used to provide the CreditMatcher Service may not be correct, accurate, complete, error free or up-to-date and, as a result, the CreditMatcher Service may be affected in terms of the products or brokers displayed or the Eligibility Ratings provided.
      2. Due to the nature of credit report information and other information used (including from you), the value, accuracy, and/or relevance of the search results and Eligibility Rating may diminish over time. For this reason, we cannot guarantee that the search results, Eligibility Ratings or other information we have supplied will continue to be accurate or up-to-date after we have provided them to you.
      3. In the case of the Credit Matcher Services we do not guarantee that any products matching your criteria will be found. In some cases, only a limited number may be found and these may only match some of your criteria. We also do not guarantee that any financial product provider will offer you any product listed within the Credit Matcher Services that you apply for. Any application that you make to a financial product provider will be assessed in accordance with the financial product provider’s own application and lending criteria which may include checking your identity, checking for fraudulent activity and where applicable, assessments of affordability.
      4. In the case of the Eligibility Rating, we do not accept responsibility for a change in the financial product provider’s criteria for successful applicants, or a relevant change in your personal circumstances, after Eligibility Ratings have been provided if the change affects the likelihood of you being accepted for a product or service you have chosen from the search results we provided. When we display the pre-approved emblem to you as part of the Eligibility Rating, this indicates that based on the information you have provided and the credit information we have access to, if you apply for this product and you comply with the conditions set out in the Website, your application to the lender is should be successful. If we have displayed the pre-approved emblem to you and you have applied for that product but not been successful even though you met the conditions set out in the Website, then you can contact us to discuss why this has happened.
      5. While we have arrangements with many providers and some brokers, we do not cover the whole of the market. As such other products which we do not show may be available to you and they may be more suited to your circumstances.
      6. Advertised rates from providers reflect what a minimum percentage of customers will pay. When you apply you may not receive the provider’s advertised rate, even if you have applied after we have displayed the pre-approved emblem to you as part of the Eligibility Rating. This is determined by the provider and is therefore not something we have any responsibility for.
      7. Some providers offer different products, rates or other terms to existing customers. This is not something we control, nor have any responsibility for. Where it applies for a particular product, it will be reflected in the CreditMatcher Service and/ or Eligibility Rate displayed

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