Terms & Conditions
Detailed Information on Our Terms & Conditions
Website Terms & Conditions
Please read the details set out below carefully before using this website (“our Site”). By accessing our Site, you agree to accept and act in accordance with the following terms and conditions (the “Terms”). If you do not accept these Terms, please refrain from using our Site.
References to ‘you’, ‘your’ and ‘yours’ are references to the person(s) accessing our Site and the party/ies represented by such person(s).
References to ‘we’, ‘us’ and ‘our’ are references to What Credit Ltd.
Information About Us
This Site (What Credit and other associated sites) is operated by What Credit Ltd (a company incorporated and registered in the United Kingdom with registered number 07088857) whose registered address is 76 Glebe Lane, Barming, Maidstone, Kent ME16 9BD.
What Credit Ltd is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register under reference number 673990. We are also registered as a data controller with the Information Commissioner’s Office in the United Kingdom under reference: Z2128227.
All our products and services are subject to the terms and conditions of the applicable agreement governing their use.
By making an application to us, you are consenting that we can refer your personal information to suitable third party lenders or credit brokers.
The relevant third party lender/credit broker will then carry out a visible credit search of your file with the Credit Reference Agencies in order to make a decision about your application. Multiple searches undertaken by financial providers may cause adverse effects on your file.
Your information will also be checked with fraud prevention agencies including CIFAS and other relevant organisations. If false or inaccurate information is provided and fraud is identified, details will be passed to fraud prevention agencies to prevent fraud and money laundering.
Further details explaining how the information held by fraud prevention agencies may be used can be obtained by contacting us on firstname.lastname@example.org
Third Party Cookies
All third party companies have their own individual privacy policies and consumers should refer to these in respect of how they will collect and use personal data.
Credit Reference Agencies
(The agencies do not keep ‘blacklists’ nor do they give any opinion about whether or not credit should be granted.) The main credit reference agencies are:
Consumer Services Team,
PO Box 491,
Consumer Help Service,
PO Box 8000,
Credit File Advice Service,
PO Box 1140,
Credit reference agencies keep a wide range of information. This includes information from the electoral roll (sometimes known as the voters roll) and records of most county court judgements and bankruptcies. They also retain information relating to previous and existing credit and a record of searches made against the file.
The lenders share information through the agencies providing a history of how punctually payments are being made or have been made. Loan information is usually held on file for 6 years. Details of the voters roll may be held for much longer. Information about credit searches is kept for up to two years.
Reports from CIFAS relating to fraud and fraud avoidance are also available to most lenders. These contain information indicating that fraud, or attempted fraud, has been notified by a lender. The information might not directly relate to you, it might relate to someone who has tried to impersonate you. Data available to members of CIFAS, may also be used to help make decisions on motor, household, credit, life and other insurance proposals for you and members of your household.
Accessing Our Site
Access to our Site is permitted on a temporary basis and we reserve the right to withdraw or amend the service we provide on our Site without notice. From time to time we may restrict access to some parts of our Site, or our entire Site, to users who have registered with us.
Our Site and the information contained within it is intended for those who access it from the United Kingdom. If you are viewing our Site from outside the United Kingdom you should note that the information contained within it may not be appropriate for use in other places and may not comply with the laws of any territory outside the United Kingdom. If you choose to access our Site from a country other than the United Kingdom you do so at your own risk and you are responsible for compliance with local laws. You are wholly responsible for your own use of our Site and the use of our Site by any person using your computer and you must ensure that any such person complies with these Terms.
To register with our lenders you must be over eighteen (18) years of age. You must ensure that the details provided by you on completion of our application form are correct and complete. You must inform us immediately of any changes to the information that you provided when registering by updating your personal details.
Uses of Information
Neither the information, nor any opinion contained in our Site constitutes an offer or recommendation to enter into any financial transaction. Before making any decision or taking any action that might affect your personal finances or business, you should always consult a suitably qualified professional advisor. The contents of any materials posted on this Site are for information purposes only and do not constitute investment, financial or professional advice and no reliance should be placed on them. Any figures shown on this Site are subject to change.
Our Site Changes Regularly
We are constantly changing and improving our services. We may add or remove functionalities or features and we may suspend or stop a service altogether. We aim to update our Site regularly and may change the content at any time. Any of the material on our Site may be out of date at any given time and we are under no obligation to update such material.
These provisions should be read carefully as they exclude or limit our legal liability in connection with your use of our Site. Nothing in these Terms shall exclude liability that is not permissible under applicable law, including without limitation, for death or personal injury, or for fraudulent misrepresentation. These Terms do not apply to or affect our liability to you in respect of any product or service you may obtain from us using our Site and our liability to you in respect of such product or service is governed by the relevant set of terms and conditions applicable to such product or service. Whilst we have taken reasonable steps to ensure the accuracy and completeness of the information contained in our Site we accept no responsibility for your use of or inability to use or the results of your use of our Site nor for any errors or omissions contained in our Site nor if our Site is unavailable for any time or any period. We provide the Site “as is”. The use of our Site and the materials contained in it are entirely at your own risk.
We shall not be responsible for any direct or indirect:
- financial losses (including without limitation loss of income, revenues, data, profits, contracts, use, opportunity, business or anticipated savings);
- loss of goodwill or reputation;
- any loss or damage we could not reasonably have expected to foresee or reasonably have expected to occur,
- which you may suffer and which arises out of or in connection with any errors or omissions contained in our Site or your use of or access to our Site or your inability to use or the results of your use of our Site.
We shall not be responsible for the accuracy, functionality or performance of any third party software that may be used in connection with our Site.
Third Party Websites
Links contained in our Site might lead to other websites not under our control, and we shall not be responsible for the content, privacy practices, availability or use which you make of any linked site which is not operated by us or any link contained in a linked site not operated by us.
Links on our Site are provided to you only as a convenience and we do not endorse or review any pages linked to our Site. Accordingly, you should read the terms and conditions of linked websites before using them and direct any questions or comments about the linked website’s contents to the relevant website provider.
You are not entitled (nor will you assist others)to set up links from your own websites to our Site (whether by hypertext linking, deep-linking, framing, toggling or otherwise) without our prior written consent, which we may grant or withhold at our absolute discretion. You are also not entitled to direct link (also known as “Hot Link”) any images or content without our prior written authorisation.
Transmission of Information is at Your Own Risk
We cannot guarantee that the transmission of information or messages sent over the internet is completely secure as there is a possibility of interception at all times. Any transmission is at your own risk. We shall not be responsible for any loss, damages or costs whatsoever which you suffer or incur in connection with or arising out of any transmission of information or message sent by you to us or by us to you over the internet or the alteration, interception or misuse of such information.
Once we have received your information or message we will use strict procedures and security features to try to prevent unauthorised access. It is your responsibility to keep security information, such as PIN numbers or passwords, secure at all times. We will never ask you for this information and you should not disclose it to any third parties. If you receive any email or other request for such information you should delete it immediately and should not respond. If you think you may have disclosed any security information you must advise us immediately.
Viruses, Hacking and Other Offences
You must not misuse our Site by knowingly introducing viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not attempt to gain unauthorised access to our Site, the server on which our Site is stored or any server, computer or database connected to our Site. You must not attack our Site via a denial-of-service attack or a distributed denial-of service attack. By breaching this provision, you would commit a criminal offence. We will report any such breach to the relevant law enforcement authorities and will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use our Site will cease immediately. We will not be responsible for any loss or damage caused by a distributed denial-of-service attack, viruses or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of our Site or to your downloading of any material posted on it, or on any website linked to it.
All copyright, trademarks, logos, brands and all other intellectual property rights in our Site and its content (including without limitation the pages, screens, information and material) and all software and source codes connected with our Site are owned by or licensed to What Credit Ltd unless otherwise noted. You may print, copy, download or temporarily store extracts from our Site for your personal information or when you use our products and services. You must not alter anything. Any other use is prohibited unless you first get our written permission. You may not republish, retransmit, redistribute, sell, modify or deal in any way with or otherwise make such information or pages available to any other party or available on any website, on-line service or bulletin board of your own or of any other party or make the same available in hard copy or on any other media without our express prior written consent. Other than as provided above you may not use or reproduce our trademarks, logos or brand names.
Governing Law & Disputes
These Terms and any dispute or claim arising out of or in connection with them or your use of our Site (including non-contractual disputes or claims) are governed by and interpreted in accordance with the laws of England. The English courts will have non-exclusive jurisdiction over any dispute or claim arising from or related to these Terms or your use of our Site (including non-contractual disputes or claims) provided always that you may bring any proceedings in your country of residence.
Information About You & Your Visits To Our Site