Terms and Conditions

1. These are the terms and conditions which apply to your use of the creditangel.co.uk website or app and are also those on which Transunion supply the Credit Reporting and Credit Score services to you. These terms form a contractual relationship between us, Transunion, and you.

1. We or Transunion may change these terms and conditions or the Credit Reporting and Credit Score services at any time. If amendments are made, we will put the new terms and conditions or details of the changes to the Credit Reporting services on the creditangel.co.uk website or app. The changes will take effect when they are posted on the creditangel.co.uk website or app.
2. If you wish to cancel your Credit Angel membership, you may do so by:
   • Using the ‘Contact Us’ form on the website and app
   • letting us know that you wish to cancel by sending an email to: [email protected]
   • in writing to: Credit Angel, Quint Group Ltd, Glasshouse, Alderley Park, Nether Alderley, Cheshire SK10 4ZE
   • telephoning: 0345 2221550^‡
   Once you have cancelled your membership, you will no longer be able to access any of the services or products located in the member's area including the 'My Credit Report', 'Loans' and 'Credit Cards'.

1. Before you can use any Credit Reporting and Credit Score services or our Membership area, you must apply to register on the creditangel.co.uk website or app.
2. After we have received your application for any Credit Reporting and Credit Score Services Transunion will review it and we will let you know as soon as we can whether you have been accepted as a user of those Credit Reporting and Credit Score services. Please note that not everyone that applies for the Credit Reporting and Credit Score services will be accepted as a user.
3. Transunion 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, Transunion may have been unable to match your personal details to the correct credit report.
4. You may only register for the creditangel.co.uk website or app and use the Credit Reporting and Credit Score services if you are:
   1. over 18 years of age;
   2. a Credit Angel customer;
   3. resident in the United Kingdom.
   By registering on the creditangel.co.uk website or app and making the application to use the Credit Reporting and Credit Score services you confirm that you meet these requirements.
5. You may only use and access the Credit Reporting and Credit Score 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 or app.
6. Once Transunion have received your application for the Credit Reporting and Credit Score services Transunion will send you an automated acknowledgement. This is purely for acknowledgement purposes and is not an agreement from Transunion to provide you with the Credit Reporting and Credit Score services or any other service.
7. When acting as Your Credit Broker We seek to get a Lender to offer You a loan. We seek to match Your loan application with one or more of the Lenders We deal with. We do not act on behalf of the Lenders or represent them. For your protection we require the Lender documentation covering any loan agreement to meet statutory and regulatory safeguards laid down by the FCA’s Consumer Credit Sourcebook (CONC).
8. If once you have signed up to Credit Angel you are unable to validate your details with Transunion and are not able to view your credit report, you will still be charged a membership fee up until the point you cancel your membership.

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   We are a broker not a Lender, We do not offer loans. The interest rate will depend on the Lenders and they decide whether to approve the loan applications and how much to lend at, or on which terms and on what evidence of ability to repay. Where We give examples they are only illustrations.

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   We do not warrant that examples are the actual rates and amounts because the Lenders decide whether to give approval for any loan and on what terms according to your specific circumstances.
9. Loan Application Checks
   In assessing Your loan application for any Lender products the Lender may undertake credit scoring with credit reference agencies which will show on Your Credit record. Where there are joint clients, a link between You can be created.
10. Credit Reference and Fraud Prevention Agencies
    This is a condensed guide to the use of Your personal information by Credit Reference (CRA’s) and Fraud Prevention Agencies (FPA’s). When You apply for a loan, these organisations will check the following records about You and others (see below):
    • CRAs may place a search footprint on Your credit file that may be seen by other Lenders. They supply both public (including the electoral register) and shared credit and fraud prevention information.
    • FPAs will make checks such as; assessing this application for credit and verifying identities to prevent and detect crime and money laundering. They may also make periodic searches at CRAs and FPAs to manage Your account.
    • If You are making a joint application or tell Your Lender that You have a spouse or financial associate, the FPA’s will link Your records together so You must be sure that You have their agreement to disclose information about them. CRAs also link Your records together and these links will remain on Your and their files until such time as You or Your partner successfully files for a disassociation with the CRAs to break that link.
    • Information on applications will be sent to CRAs and will be recorded by them. If You borrow and do not repay in full and on time, CRAs will record the outstanding debt. This information may be supplied to other organisations by CRAs and FPAs to perform similar checks and to trace Your whereabouts and recover debts that You owe. Records remain on file for 6 years after they are closed, whether settled by You or defaulted.
    • If You give us false or inaccurate information and We suspect or identify fraud We will record this and may also pass this information to FPAs and other organisations involved in crime and fraud prevention.
    • We and other organisations may access and use from other countries the information recorded by fraud prevention agencies.
    • Your data may also be used for other purposes for which You give Your specific permission or, in very limited circumstances, when required by law or where permitted under the terms of the Data Protection Act 2018.

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

1. Once Transunion accept your application for the Credit Reporting and Credit Score services, we agree to provide the following services to you under these terms and conditions
   1. Credit Report
      We will provide a credit report to you online. Updates are usually received every 4-6 weeks.
   2. Credit Score
      We will provide your most recent credit score to you. Your credit score is an indicator of how good your credit history and likelihood of getting credit is. This will be made available to you online and will be updated monthly.
   3. Credit Rating
      We will provide your most recent credit score to you. Your credit score is an indicator of how good your credit history and likelihood of getting credit is. This will be made available to you online and will be updated monthly.
   4. Alerts
      When you have successfully registered on our site we will notify you, via the email address that you supply when you register with us, if there has been a significant and material change in your credit file that we hold. If there are any alerts on your file, we will send a daily email to the email address you specified when you registered for Credit Reporting and Credit Score service.
   It is your responsibility to ensure the email address we hold for you is up to date. The email will contain details of any alerts that have been triggered on your credit report in the previous day. If there have been no alerts triggered, then we will not send you an email.

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   The Alerts service is a notification only service. We, or Transunion are not responsible for any loss you suffer if you receive an alert and you do not review that alert and notify us or Transunion if you believe the information is incorrect.

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   You should not rely solely on the Alerts service to ensure that your credit report is up to date. It is your responsibility to regularly check your credit report to ensure that the information recorded in it is accurate and up to date.

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General

2. Once you have applied for the additional Credit Reporting and Credit Score services, been accepted, details validated with Transunion, and paid any applicable fees, you will be given immediate access to the relevant Credit Reporting and Credit Score services on the creditangel.co.uk website or app and you will start to receive those services immediately. You acknowledge and request that the Credit Reporting and Credit Score services will be provided before the expiry of the 14-day cancellation period under the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013 (but this does not affect your rights to cancellation and a refund under those regulations: please see paragraph 7.3 below).
3. Whilst we will try to make sure that the creditangel.co.uk website or app 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 or app and/or content is completely virus and bug free, but you should be aware that we are committed to trying to make the Credit Reporting and Credit Score 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. Also, as you will appreciate 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. Neither we nor any other third parties used to provide the Credit Reporting services have any control over the content of such information and are not responsible if it turns out to be inaccurate.
5. For us to be able to provide the Credit Reporting and Credit Score services to you we need to obtain your credit report information held in TransUnion International UK Limited’s credit reference database. By applying for the Credit Reporting and Credit Score services you agree that we can use your credit report information in this way.
6. You will appreciate that whilst some of the Credit Reporting and Credit Score services will provide information to you this is provided for your 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.

1. You are a potential/actual member of the membership programme (called the "Scheme") as described in this document. Before You can access the free trial of the Scheme You must first enrol in the Scheme (called "Membership"). This involves providing accurate and complete information including Your name, email address and postal address, and the payment information for membership fees should You continue Your Membership beyond the free trial period. Once you submit these details and agreed to our terms you will be enrolled as a member of the Scheme (called a "Member"). Importantly, a Member must be an individual who is:
   • an adult (i.e. aged 18 and over); or resident in the United Kingdom
   • A person who does not qualify as described above is prohibited from becoming or being a Member. Any person who becomes a Member (or purports to do so), makes a statement, upon which We are entitled to rely, that that person is aged 18 years or older.
   • A person may not become a Member unless they are based in the United Kingdom, as this is the area We service. A Member must have a postal address in the United Kingdom. Any person becoming a Member makes a statement, upon which We are entitled to rely, that, that person is, and will continue to be, based in the United Kingdom and that that person will supply a full postal address in the United Kingdom including a valid post code.
   For information on our privacy practices please see our Privacy Policy. We take privacy very seriously and aim to comply with all relevant provisions of UK data protection legislation. All personal information provided through this website or app or by email, such as Membership enrolment information or information necessary to complete the purchase of a product/benefit, will be handled in accordance with the Privacy Policy.
2. You accept the offer details which are as follows: 
   When you sign up to the Scheme as a Member You will automatically receive a 14 day free trial ("Trial Period"); After the trial period, membership is charged monthly at the agreed upon rate of £19.99 as disclosed on the enrolment website or app (the "Membership Fee") and by joining this Scheme You agree that You will be liable to pay the Membership Fee. To ensure continuous service at the end of the trial period Your Membership fee will be automatically charged on or about the same date each month to the card details which You have specifically provided for this purpose when You signed up to be a member, and by joining this Scheme You agree to give us permission to do so, unless You terminate Your membership in accordance with the cancellation process set out below.
3. Membership fees and continuous payment authority
   • When signing up to be a Member, You provide us with a continuous payment authority ("CPA") so that We can collect repayments automatically from Your bank account using the debit card You nominate for this purpose.
   • A Member is entitled to a free 14 day Trial Period of Membership, details of which are on the Scheme Website or app and are shown to You when You are presented with details of the Scheme. A Member can cancel Membership at any time (in accordance with the cancellation paragraph (as above)) during the Trial Period and will owe us nothing.
   • After the Trial Period, the monthly Membership Fee is payable in advance and will be automatically charged at the end of the Trial Period or on Renewal by use of CPA.
   • If We have been unable to take the payment, We shall use CPA to make up to 12 further attempts for the full Membership Fee up to a period of 62 days.
   • Throughout the period referred to in the above paragraph, Your access to the Service may be suspended pending receipt of the Membership Fee.
   • At any time during your membership we reserve the right to check the validity of your nominated debit card. You will not be charged for this, however the authorisation may show on your bank statement.
   • To cancel this CPA You may ask us to cancel it by using the contact details above Please be aware that if You do cancel You will still owe any outstanding Membership Fees as agreed and Your access to the Service will be terminated. Cancellation of this CPA will be effective from the date that We receive such notification.
4. You are entitled to access discounts and/or other benefits ("Benefits") on certain products and services offered by vendors/providers participating in the Scheme. Benefits are set out on the Scheme Website or app, although some Benefits may not be available in all areas. Please see below for limitations. Any products or services purchased (taking into account Benefits or otherwise) must be purchased directly from the product or service vendors/providers. We do not supply, offer or charge for products or services (other than Membership which is a service which provides access to information, discounts, offers and promotions on those third party products and services.)
5. Membership Rules
   • Membership is personal to the person accepting these terms.
   • Membership is non-transferable.
   • Membership cannot be used by persons other than the Member
   • You shall ensure that no other persons have access to Your Member details.
   • Other persons in the same household shall not access the Scheme, the Benefits or the Credit Reporting Service using the identity of the Member and the Member shall be responsible to ensure this is upheld.
   • Benefits, access to, and information from the Credit Reporting Service are not for resale.
   • A Member must promptly notify us on becoming aware of any unauthorised use of the Membership number or if the Membership number is lost or stolen.
   • The Benefits and the Credit Reporting Service have been designed for Members in the United Kingdom only (and in certain cases within certain regions of the United Kingdom). Not all Benefits (or the Credit Reporting Service) will be available therefore to all Members.
   • We are constantly seeking new benefits for Members from providers. Accordingly, the Benefits and the particular services offered within the Credit Reporting Service are continually changing and We do not and cannot represent or warrant that any particular Benefits or elements of the Credit Reporting Service will be available at any particular time. We reserve the right to eliminate, add, change and substitute Benefits and/or elements of the Credit Reporting Service from time to time without notice to any or all Members.
   • A Member agrees that We are not responsible or liable for any Benefits provided by providers or for the Credit Reporting Service provided by TransUnion International UK Limited, the Credit Reporting Service Provider and, if a Member has any claims relating to Benefits, the Member will make a claim against the relevant provider providing (or purporting to provide) the relevant Benefit; and
   • to the Credit Reporting Service, the Member will make a claim against the Credit Reporting Service Provider providing (or purporting to provide) the relevant Credit Reporting Service.
6. Unless you notify us you wish to terminate this Agreement by following the instructions in the cancellation paragraph, the Membership will be renewed automatically each month ("Renewal") and you will be charged the current Membership Fee of £19.99 , which will appear on your monthly billing statement.

1. We will not charge you for providing the Membership and Credit Reporting and Credit Score services to you unless paragraphs 6.2, 6.3 or 6.4 below apply.
2. The Membership and Credit Reporting and Credit Score services are only available to you under these terms and conditions for such time as you are a Credit Angel customer.
3. From time to time Transunion may email you with details of certain promotions Transunion 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 Transunion 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 creditangel.co.uk website or app.
5. Unless a Member notifies us that he/she wishes to terminate this Agreement (i.e. cancel his/her Membership) by following the instructions in the cancellation paragraph, that Member's Membership will be renewed automatically each month ("Renewal") and that Member will be charged the current Membership Fee of £19.99 , which will appear on that Member's monthly billing statement.

1.  We will automatically continue to provide the Credit Reporting and Credit Score services until they are cancelled in one of the ways set out below.
2. If you no longer wish to receive the Credit Reporting and Credit Score services, you may tell us to cancel them by sending a request to [email protected]. 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.
3. If you tell us (in accordance with paragraph 7.2) that you wish to cancel the Credit Reporting and Credit Score services within 14 days after the day on which we accepted your application for those Credit Reporting and Credit Score services, you are entitled to a refund of the amounts you have paid for those services less an amount in proportion to the period of service you have received at the time we are informed of your decision to cancel. To meet this cancellation deadline, it is sufficient for you to send your cancellation email before the 14-day cancellation period has expired. We will pay the refund without undue delay and not later than 14 days after the day on which we are informed about your decision to cancel. The refund will be paid using the same means of payment as you used for the initial transaction, unless you have expressly agreed otherwise; in any event, you will not incur any fees as a result of the refund.
4. We may cancel your registration on the creditangel.co.uk website or app and cancel your receipt of any of the Credit Reporting and Credit Score services;
   1. because of your misuse of the Credit Reporting and Credit Score services. Misuse of the Credit Reporting and Credit Score services mean use of the Credit Reporting and Credit Score services in a way which is not permitted by these terms and conditions or there is fraud; or
   2. if we stop providing the Credit Reporting and Credit Score services on the creditangel.co.uk website or app. We regret that if we withdraw part or all of the Credit Reporting and Credit Score services we cannot be responsible for any costs or losses you incur, but we will return any fees you have paid for the remaining part of the year for any services for which you have paid; or
   3. if you do not access your account on the creditangel.co.uk website or app for more than six months.
   4. if any payment that you owe us is declined, rejected or reversed.
5. We may also cancel your receipt of any of the Credit Reporting and Credit Score services if (i) you have ceased to be a Credit Angel customer or (ii) our agreement with Transunion comes to an end (unless we have made arrangements with Transunion to continue to provide the Credit Reporting and Credit Score services to you for a certain period after the termination of that agreement, in which case we will continue to provide you with the Credit Reporting services for that period.
6. Except as set out in paragraphs 7.3 and 7.4.2, you are not entitled to any refund of any amounts you have paid for any Credit Reporting and Credit Score services as a result of a cancellation of those services.

1. Your right to access the creditangel.co.uk website or app and the Credit Reporting and Credit Score services is personal to you. You must not allow any other person to have access to your account on the www.creditangel.co.uk website or app or the Credit Reporting and Credit Score 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 creditangel.co.uk website or app and the Credit Reporting and Credit Score services if at any time we consider that there is or is likely to be a breach of security or your use of the www.creditangel.co.uk website or app 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 creditangel.co.uk website or app and/or the Credit Reporting and Credit Score services.

1. You acknowledge and agree that all copyright, trademarks and all other intellectual property rights in the creditangel.co.uk website or app and Credit Reporting and Credit Score services and all aspects of them are owned by us, those businesses who provide services to us as part of the Credit Reporting and Credit Score services or those businesses who are providing the vouchers and special offers.
2. You may take reasonable copies of the information or reports provided as part of the Credit Reporting and Credit Score 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.

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:
   1. liability for death or personal injury caused by negligence;
   2. fraud or fraudulent misrepresentation; or
   3. 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. Subject to paragraph 10.4 below, if we breach these terms and conditions or are negligent in providing the Credit Reporting and Credit Score services we will only 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 Reporting and Credit Score services. If the loss or damage is not foreseeable we cannot be responsible for it.
4. 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) which is in excess of £100 for each incident.

1. Transunion will collect personal information in connection with your use of the Credit Reporting and Credit Score services via the creditangel.co.uk website or app. Transunion privacy policy has details of what information is collected, how that information will be used, and other related matters such as cookies. Transunion’s privacy policy forms part of these terms and conditions.
2. You agree that Transunion and 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 Transunion’s privacy policy please click here. Click here to view Credit Angel’s privacy policy

1. General enquiries: 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 using the online process which can be accessed via your credit report. This will raise a dispute with the credit reference agency run by TransUnion International UK Limited.
2. Complaints: If you have any questions or complaints in respect of the Credit Reporting and Credit Score and or Credit Angel Membership services, please contact our Customer Services team at [email protected]. You can also find Transunion's customer complaints policy here https://www.transunion.com
3. 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 you are not happy with how we have handled any complaint, you may want to contact the alternative dispute resolution provider we use. You can submit a complaint to Financial Ombudsman Services. Financial Ombudsman Services 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 4567 or 0300 123 9123
   E-mail: [email protected]
   Website: www.fos.org.uk

1. We are under a legal duty to supply services that are in conformity with this contract. See the box below for a summary of your key legal rights in relation to the product. Nothing in these terms and conditions will affect your legal rights.

   Summary of your key legal rights

   This is a summary of your key legal rights. These are subject to certain exceptions. For detailed information please visit the Citizens Advice website or app www.adviceguide.org.uk or call 03454 04 05 06.

   In relation to services, the Consumer Rights Act 2015 says:

   • you can ask us to repeat or fix a service if it's not carried out with reasonable care and skill, or get some money back if we can't fix it.
   • if you haven't agreed a price upfront, what you're asked to pay must be reasonable.
   • if you haven't agreed a time upfront, it must be carried out within a reasonable time.

1. To provide increased value to you, we may provide links to other websites or apps 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 and app we are not responsible for the availability or content of these external websites or apps or resources. We do not review or endorse the content of these websites or apps. If you provide your personal details to these external websites or apps, then the use of these personal details will be governed by the privacy policy of that website or app and not our privacy policy.

1. We shall be under no liability for any delay or failure to deliver the Credit Reporting 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 any rights to anyone who is not a party to them.
4. These terms and conditions and your use of the creditangel.co.uk website or app and Credit Reporting and Credit Score 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 in relation to any disputes arising out of or in connection those matters
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 [email protected]