Terms of Use

1. These website terms of use

  1. What these terms of use cover: These terms of use apply to your use of the www.callcreditstatreport.co.uk, which we refer to below as ‘this website’, and your access to your online statutory credit report.
  2. Why you should read them: Please read these terms of use carefully before using this website. These terms of use tell you who we are, how you may use this website, what our liability to you is, what to do if there is a problem and other important information. If you think that there is a mistake in these terms of use or you think these terms of use require any changes, please contact us to discuss your concerns.

2. Information about us and how to contact us

  1. Who we are: Callcredit Limited operates this website. Callcredit Limited is a company established in England and Wales. Its company number is 03961870 and its registered office is at One Park Lane, Leeds, West Yorkshire LS3 1EP. In these terms of use "we", "us" and "our" therefore refers to Callcredit Limited.
  2. Authorisation: Callcredit Limited is authorised and regulated by the Financial Conduct Authority under number 737740. Authorisation can be checked on the Financial Services Register at www.fca.org.uk.
  3. How to contact us: You can contact us by sending an email to us at consumer@callcredit.co.uk. This contact email address can be used in relation to reporting any issues you have had in relation to your use of this website. Any concerns in relation to the content of your credit report should be raised with us as set out in paragraph 12 below.
  4. How we may contact you: If we need to contact you we may do so using the contact information you entered into this website.
  5. Writing includes emails: When we use the words "writing" or "written" in these terms of use, this includes emails.

PLEASE READ THESE TERMS OF USE CAREFULLY BEFORE USING THIS WEBSITE AS THEY CONTAIN LEGAL RIGHTS AND OBLIGATIONS.

3. Information needed to provide your online statutory credit report

  1. Information needed and what will happen if you do not give us the required information: We need certain information from you so that we can verify your identity and provide you with your online statutory credit report. If you do not give us this information, or if you give us incomplete or incorrect information, we may not be able to provide you with your online statutory credit report. You may still request a paper copy of your statutory credit report by submitting a paper application to the following address:

    Consumer Services Team
    Callcredit Limited
    PO Box 491
    LEEDS LS3 1WZ

4. Limitations on use of this website

  1. We are only able to make online statutory credit reports available via this website to UK residents: Unfortunately, we are not able to provide online statutory credit reports to anyone who is not a resident in the UK, the Channel Islands or the Isle of Man.
  2. Over 18s only: We are only able to provide you with your online statutory credit report via this website if you are over 18 years of age. You may still request a paper copy of your statutory credit report by submitting a paper application to the address set out in paragraph 3.1 above.
  3. This website is for personal use only: You may only use and access this website on your own behalf, for your personal non-commercial use and not on behalf of anyone else. You cannot order credit information about anyone else from this website. If you want to apply for a statutory credit report for someone else and you have their authority to do so, you may do so by submitting a paper application to the address set out in paragraph 3.1 above. We may ask you for appropriate evidence of your authority to request the statutory credit report on behalf of the other person.

5. Changes to these terms of use

  1. We may make changes to these terms of use from time to time to reflect changes in any relevant laws or regulatory requirements and/or to implement technical adjustments and improvements to the website.

6. Availability of this website

  1. Whilst we will try to make sure that this website is available for use as much as possible we cannot guarantee its availability. You will appreciate that we need to take this website 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. If this website is suspended or unavailable for any reason you may still request a paper copy of your statutory credit report by submitting a paper application to the following address:

    Consumer Services Team
    Callcredit Limited
    PO Box 491
    LEEDS LS3 1WZ

  2. 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 this website as virus and bug free as we can and use suitable virus checking software in relation to this website. You should, however, still use appropriate virus checking software on the devices you use to access this website.

7. Accuracy of information we provide

  1. It is important to us that the information we supply to you is as accurate as possible and we use reasonable efforts to verify its accuracy. We cannot guarantee that it is completely accurate, however. Also, as you will appreciate some of this information comes from other businesses and sources, such as the electoral roll, insurance companies or financial institutions. We do not have any control over the content of such information and are not responsible if it turns out to be inaccurate. If you consider the information to be inaccurate please raise a query using the process in paragraph 12.
  2. You will appreciate that whilst this website will provide information to you, this is provided for your guidance and information only.

8. Security

  1. Ability to suspend your access to this website: We reserve the right to suspend your access to this website if at any time we consider that there is or is likely to be a breach of security or your use of this website is in any way detrimental to us or anyone else.

9. Copyright, trade marks and other intellectual property rights

  1. Your acknowledgement that we own copyright etc. in this website: You acknowledge and agree that all copyright, trade marks and all other intellectual property rights in this website and all aspects of it are owned by us.
  2. Your ability to take copies: You may take reasonable copies of the information or reports provided to you by this website solely for your own personal use. You may not use it on a commercial basis. 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. When are we liable to you: If we do not comply with these terms of use or we do not use reasonable care and skill in providing the online statutory credit report to you then we will be responsible for the loss and damage which is a foreseeable result of this breach. Loss or damage is foreseeable if either it is obvious that it will happen or if, at the time the contract was made, both we and you knew it might happen.
  2. No liability where the loss or damage is not foreseeable: We are not responsible for any loss or damage which is not foreseeable.
  3. We are not liable for business losses: This website is only intended for domestic and private use. If you use this website for any commercial, business or re-sale purpose we will have no liability to you for any loss of profits, loss of or damage to reputation, loss of contracts, loss of opportunity, loss of business, loss or depletion of goodwill, increased overheads or administration expenses, management time, loss of savings.
  4. Nothing in these terms of use will affect your legal rights or your rights under data protection legislation.

11. Data protection, cookies and privacy notice

  1. What personal information we collect and how we use it: We will collect personal information in connection with your use of this website. Our privacy notice (which can be accessed here) has details of what information we collect, what we do with that information, and any other related matters such as cookies and pixels. We ask you to confirm that you have read the privacy notice.

12. Queries and complaints

  1. Queries in relation to your credit report information: In the event that there is an unexpected result in your credit report or you feel that the information is not correct you should contact us to raise a query by writing to the following address:

    Consumer Services Team
    Callcredit Limited
    PO Box 491
    LEEDS LS3 1WZ

  2. Complaints:

    How to complain: If you have any complaints in relation to this website then please contact our customer services team at consumer@callcredit.co.uk. You can find our customer complaints policy at https://www.callcredit.co.uk/consumer-solutions/contact-us/complaints-procedure.

    Complaint Resolution: We have a complaint handling process, which includes alternative dispute resolution (a process where an independent body considers the facts of a dispute and seeks to resolve it without you having to go to court). If we have sent you our final response and you are not happy with how we have handled any complaint, you may want to contact the statutory alternative dispute resolution provider for financial services in the UK – the Financial Ombudsman Service. The Ombudsman will not charge you for making a complaint and if you are not satisfied with the outcome you can still bring legal proceedings. The contact details for the Financial Ombudsman Service are:

    The Financial Ombudsman Service
    Exchange Tower
    London
    E14 9SR
    Tel: 0800 023 4 567 or 0300 123 9 123
    E-mail: complaint.info@financial-ombudsman.org.uk
    Website: www.fca.org.uk

    Online Dispute Resolution Platform: You may also complain using the European Commission’s Online Dispute Resolution platform. This is an online facility designed to help consumers to resolve complaints they have, where they have bought goods and services online. This platform can be accessed via the following link: https://webgate.ec.europa.eu/odr.

13. Links to other websites

  1. 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 notice.

14. Miscellaneous

  1. Circumstances beyond our control: We shall be under no liability for any delay or failure to deliver your online statutory credit report or otherwise perform any obligation under these terms of use if the delay or failure is caused by circumstances beyond our reasonable control.
  2. What happens if a court finds any part of these terms of use to be illegal: If a court finds part of these terms of use to be illegal, the rest will continue in full force because each of the paragraphs of these terms of use operates separately.
  3. No rights given to third parties: These terms of use do not give any rights to anyone who is not a party to them.
  4. Which law applies and where you can bring court action: These of use are governed by the law of England and Wales and you can bring legal proceedings in respect of the products in the courts of England and Wales. If you live in Scotland you can bring legal proceedings in respect of these terms of use in either the Scottish or the English courts. If you live in Northern Ireland you can bring legal proceedings in respect of these terms of use in either the Northern Irish or the English courts.
  5. Transfer of rights under these terms of use: We may transfer our rights and obligations under these terms of use to another organisation.

Last updated May 2018