We want your decision to subscribe and access your credit score to be the best decision you have ever made. These terms carefully explain our services and any associated charges so please take time to read them carefully.

Definitions

When the following words with capital letters, are used in our Terms, this is what they will mean:
Credit File: the information held about you, from the credit reference agency Equifax and we describe this in more detail in the “Your Credit File” section below;
Terms: the terms and conditions set out in this document. References to “we”, “us” and “our” in these Terms are to us and references to “you” and “your” are references to you, the person who access our Credit-Score Boost service.
We are My Credit Score LTD trading as Credit-Score, a company registered in England and Wales with registered company number 9511750
with our registered office at Bank Chambers, Marketplace, Stockport, SK1 1AR.
We are authorised and regulated by the Financial Conduct Authority. Our registration details can be found on the Financial Services Register available on the Financial Conduct Authority’s website, https://www.fca.org.uk/register.

You may contact us by post or by writing to our registered address or by any of the other methods described in the “Contact Us” section of our website available here Contact Us.

Your contract with Us

These are the Terms on which we supply our Credit-Score Boost Service to you and these Terms form a binding contract between you and us. We recommend that you keep a record of these Terms for your reference.
Please read these Terms carefully as they contain legal rights and obligations. In particular, your attention is drawn to paragraph below
“Our liability to you”.
Once you have signed up to our service, it is important that you keep your contact details up to date in Your “Online Account” in case we need to contact you in relation to any Service you purchase or to notify you of any changes to these Terms. Changes to these Terms will take effect as indicated in any notifications we send to you from time to time.

Your Free Trial

We aim to help you take control over your credit score by enabling you to access your credit report from Equifax Credit Reference Agency and calculate your typical credit score whilst providing proposals for you as to how you can maximise or improve your credit score.

We let you access our service on a free trial period which Is completely free of charge for up to 40 days. During this free trial you can arrange a review of your credit file from one of our credit file specialists who will review your credit file, explain how your score Is calculated, and provide you with tips and recommendations as to how you can Improve or maintain your credit score.

For convenience we usually take our subscription on the 29th of each month, and so If you start your free trial during the last ten days of a calendar month your first subscription payment will not be taken until the 29th of the following month.
If you start your free trial during the first twenty days of the month your first subscription will be taken on the 29th of the month you started your subscription.
This means you may have a maximum free trial of 40 days, and a minimum free trial of 9 days. We will always notify you 7 days before your free trial ends and before we take any payment. You can easily cancel our service at any time from within your account or by following our cancellation policy below.

Your Credit File and Our Services

We get this information from Equifax once a month on your behalf acting as your authorised agent and representative. That means that we procure this information on your behalf, as you could.
By using our services, you agree that we and Credit Reference Agencies shall be entitled to rely on this authorisation and agency granted by you.
Presenting a credit report and credit score is subject to you passing appropriate identity authentication checks for both fraud prevention and security purposes. We’ll try to assist you if you fail the process, but we do not have to notify you of the reasons why any identity check was not successful. This information is obtained through ‘soft searching’ your credit record and a soft search may be marked on your credit file. This should not have any detriment to your credit score.

The Accuracy of Your Credit File

We will use reasonable skill and care in:
Providing the services to you under these Terms; Generating your credit score and applying the searches we perform correctly.
As your Credit File is principally made up of information collected from third parties and held by the credit reference agency Equifax, we have very limited control over whether the information contained is accurate, complete and up to date. This means that despite our obligations, we cannot assure you that the content of your Credit File will be accurate, complete or up to date. If you consider that any entry in your Credit File is incorrect, you have a statutory right to request that the entry is amended or removed. If your query relates to a specific account, we suggest you speak to the account provider in the first instance. However, if you would like us to raise the query with the account provider for you, please contact us with details of the entry that you consider to be incorrect, and we will assist you where possible to draft a letter for you to send to request that the incorrect entry is amended or removed.

Our Credit-Score Boost Service

Credit reporting services are supplied by Credit-Score and powered by data provided by Equifax Limited. Equifax UK Limited is authorised and regulated by the Financial Conduct Authority under reference number: 739000. Authorisation can be checked on the Financial Services Register at register.fca.org.uk

We provide you with our Credit-Score Boost service which provides you our 24 factor online credit health check and includes a regular ‘credit file health check’ with one of our credit file experts to provide you with a call to review your credit file and to provide any additional help and support for you to understand your credit score and to provide proposals, hints and tips on how your credit score can be Improved. (subject to availability). On our app we provide tools and support to dispute errors on your credit file. We provide credit alerts to protect your score, and We will display you various financial related products you may be eligible for. We will also perform a dark web search to see If we can find any of your personal data listed on criminal web sites. This can help you to review stolen passwords being sold and may help to prevent potential ID fraud.

Registration and Sign Up

To access our Credit-Score Boost service, you will need to complete the Product registration form on our website. This Credit-Score Boost service is only available to residents of the UK.
If we accept your order for our Service, we will send you an automatic e-mail confirmation of acceptance to the e-mail address you provide to us during the registration process.
To access our Service, you will need to create a username and password. You agree to keep confidential the password and any other
login details you use to access our services and not to disclose such passwords and other login details to anyone else. If you know or suspect
that someone else has your login details and password, you must contact us immediately and change your password. We will not be
responsible for any activity performed using your login details unless we have acted negligently or in breach of these Terms.

Price and payment

Our Credit-Score Boost service is free for up to 40 days and then £9.95 per month inclusive of VAT you can pay this by credit or debit card. By giving us your credit or debit card details, you agree that we have continuing authority to take the agreed regular payment from your credit
or debit card for the Product(s) you have purchased on a subscription basis each calendar month until you or we cancel your subscription in
accordance with these Terms. We are entitled to change or increase the amount of your subscription payment provided that we send you an email setting out the new subscription price with at least 30 days’ notice prior to your next renewal date.

During this notice period, you may exercise your right to cancel.
If any payment that you owe us is declined, rejected or reversed for any reason, we will continue to provide you with access to your Product and will try to take monies owed for the Product for a total of 45 days. If after 45 days payment is still owed then we will cancel your access to the Service and you will not be required to pay the outstanding subscription charges owed by you in respect of the Product.
Monthly Subscription Products – If you purchase any of our Service on a 30 day subscription basis, we will provide our Service to you for
continual 30 day periods starting from the date that you Subscribe to our Service. Your renewal date will be the date 30 days after the last
renewal date, and your first renewal date shall be the date up to 40 days after the date you subscribed. We may defer taking payment until
the last Friday of the month for your convenience.

We will continue to charge your credit or debit card on each renewal date at the relevant monthly rate unless you or we cancel your subscription to the Product in accordance with these Terms. If we have made our Service available to you for free for a promotional period, we will not charge your credit or debit card until the end of the promotional period.
If your credit or debit card is nearing expiry and you have a continuing subscription for our Service with us, your card issuers will, where possible, update us with your new card details and payment will be taken from that
card. This will ensure continued and uninterrupted use of our Service. For security purposes, to receive our Service for no charge during a
promotional period, you may be required to provide your credit or debit card details. No money will be taken from you until the end of the
promotional period.
Before we complete the supply of our Credit-Score Boost Service to you, we may also carry out a pre-authorisation check of your credit or debit card details, which
requires your payment account to be in funds or credit of £1 – this may mean that during the trial period you will have £1 less available
credit. We are not responsible for any charges or bank fees you may incur if your payment card account contains insufficient funds or credit.

Your obligations

You must ensure that all information you provide to us, or enter onto our web forms are accurate, clear and not misleading. You are permitted to use this service for your private and domestic use only, and you agree not to use our Products for any other purposes.
You must not without first getting our written permission: distribute, sell, publish or otherwise make a profit or income, from any of the
information we make available to you.
You agree that you will not attempt to do anything that may harm or inhibit the proper working of our IT systems or our Products.

Ownership of information

Except for your data protection rights in relation to how we use your personal information, we or our licensors own all copyright, trademark rights and other rights to our Products and services and our databases, and all information contained on our website or apps.

This means that you are permitted to use the Products and the information we provide to you only in accordance with these Terms.

Access to information on behalf of someone else

We make the Products and information on our website or app available to you for your own exclusive use. Other than in exceptional circumstances, you may not register to view a credit file service on behalf of anyone else, even with their consent.

Exceptional circumstances include when we are required by Court order, or you have been appointed to manage someone else’s affairs under a power of attorney. If you wish to purchase any Products or the statutory Credit File on behalf of someone else, please contact us first and ensure you have the relevant legal documentation prior to contacting us.

Our website

We make our Products available to you on our website. The terms and conditions applicable to the use of our website are available here Website Terms of Use and form part of our contract with you.

Who can be our customer?

You are welcome to be our customer provided you agree to comply with our Acceptable Use Policy as set out in these Terms, and you are:

• over 18 years’ old
• live in the United Kingdom
• a real, live person accessing our services for your personal use (you can’t use our services for commercial or business use)
• accessing our services on your own behalf. You also can’t (or try to) access our services for someone else. You’d have to ask them to sign up on their own behalf. You must keep your login and security details confidential. You are responsible for any use of our services using your login details, whether authorised by you or not.
  
  We can refuse to provide a new customer with services or cease to provide services to existing customers, at any time and at our sole discretion. Examples of when we might do this include if:
• we find out or have reason to believe you’re breaching these Terms (for example, you’re using our services for business use or on someone else’s behalf)
• you’re rude or threatening to our staff.
• we decide to stop offering a service you are using.
• we think your use of our services is unlawful or you are breaching our Acceptable Use Policy
• your initial identity verification check has been unsuccessful, and we have not been able to verify your identity.

Interactive services

Sometimes, we may provide interactive services on our website, including, for example, for you to review and comment on the services that we or issuers of credit make available.

Where we do, we’ll provide clear information to you about the kind of service offered, if it is moderated and what form of moderation is used (including whether it is human or technical). We don’t have to oversee, monitor or moderate any interactive service we provide on our website or app, and we expressly exclude our liability for any loss or damage arising from the use of any interactive service by a user in contravention of our content standards, whether the service is moderated or not.

Where we do moderate an interactive service, we will normally provide you with a means of contacting the moderator, should a concern or difficulty arise.

Monthly Subscription Cancellations

If you wish to cancel the Credit-Score Boost Service you receive on a monthly subscription, you can do so easily by logging into your Credit-Score account – select the My Accounts tab, then select the Profile and Subscription option and scroll and click cancel.
You will need to submit your request to cancel at least 24 hours prior to the next renewal date. If you miss this deadline, your subscription will be cancelled at the end of the next renewal date, and you will be charged for that next 30 day period.
If we fail to comply with these Terms or are negligent in how we provide the Service to you, you may cancel your subscription to the Service immediately.
If a subscription is cancelled, you will no longer have access to your online account including historic credit reports or scores. All services will be immediately suspended Including access to your account on our Credit-Score app.

Our right to suspend or cancel your subscription.

If we have reasonable grounds for suspecting you of fraud or using the Product in breach of your obligations under these Terms, we may
suspend your access to the Service you have purchased. If we have reasonable grounds for suspecting you of fraud we may
suspend your access to all Services you have purchased.
We will use reasonable efforts to investigate and resolve whether or not you have acted fraudulently or used the Product in breach of
these Terms within a reasonable period.
If, after suspending your access to the Products, we do not confirm fraud or breach of these Terms by you, we shall reinstate your access to the Products and the subscription period for which you have paid shall be extended by the period of the suspension.
If, after suspending your access to the Services, we confirm fraud or breach of these Terms by you, we may immediately on notice
to you cancel your right to access the Products and you will not be entitled to a refund.

Our liability to you

We are responsible for all loss and damage you suffer that is a foreseeable result of our breach of these Terms or our negligence. Loss or
damage is foreseeable if it was an obvious consequence of our breach or if it would have been expected by you and us at the time we entered into this contract, if we had been asked what loss or damage would be suffered by you as a result of our breach of these Terms or our negligence.
When we provide a Service to you including your credit score, any information we make available is for your guidance and information only
and is not intended to replace independent professional advice. You will appreciate that third parties such as lenders who carry out searches
of your Credit File will use their own criteria in making decisions about you. Unless we have acted in breach of these Terms or have been
negligent, we do not accept any responsibility for any reliance you place or any action you take based on the services you receive from us, or for any actions taken or decisions made by any third party based on the information in your Credit-Score Boost account.
We only supply our services for private and domestic use and shall not be liable to you for any business losses you may suffer.
We do not exclude or limit in any way our liability for: death or personal injury.

Events outside our control

We will not be liable or responsible for any breach of these Terms that is caused by an “Event Outside Our Control”.
An Event Outside Our Control means any act or event beyond our reasonable control (as appropriate), including, for example, industrial action by third parties or failure of public or private telecommunication networks.
If an Event Outside Our Control takes place that affects our performance of these Terms:
1. we will notify you as soon as possible; and
2. our obligations under these Terms will be suspended and the
time for performance of our obligations will be extended for the
duration of the Event Outside Our Control.

Your personal information

We will use and share your personal information in accordance with the terms of our Privacy and Cookie Policy, which is available here Privacy and Cookie Policy.

Our Privacy and Cookie Policy explains that in order to provide our services we may pass your personal information to third party companies who provide financial, or similar selected products and services that may be suitable for you. We may also pass your personal information to associated companies that are based outside of the European Economic Area.

If false or inaccurate information is provided and fraud is identified, details will be passed to 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:

• Checking details on applications for credit and credit related or other facilities.
• Managing credit and credit related accounts or facilities
• Recovering debt
• Checking details on proposals and claims for all types of insurance.
• Checking details of job applicants and employees

Changes to our Services and these Terms

We are entitled to cancel or modify our services or change these Terms at any time for any reason, provided that we notify you at least 30 days prior to the change coming into force. 

Other important terms

These Terms are a contract between you and us. No other person shall have any rights to enforce any of its terms.

If any part of these Terms 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 parts of these Terms shall not be affected.

These Terms are governed by English law. You may only bring a claim against us in England, or any other courts of the country within the United Kingdom in which you live. We may bring a claim against you in the courts of the country within the United Kingdom in which you live. If you live outside of the United Kingdom, we may bring a claim against you in the courts of England.

Questions and complaints

If you have any questions or complaints about our service to you, please contact us here. If you have any questions or complaints about the content of our Credit-Score Boost service, please click here and allow us to try and make this right by our Complaints Process. if you are unhappy with our handling of your complaint you then have the right to take your complaint to the Financial Ombudsman Service.