This Agreement constitutes the entire and only agreement between us and you, and supersedes all prior or contemporaneous agreements, representations, warranties and understandings with respect to the Site, the content and computer programs provided by or through the Site, and the subject matter of this Agreement. This Agreement may be amended at any time by us without specific notice to you. The latest Agreement will be posted on the Site, and you should review this Agreement prior to each use of the Site.
The source of County Court Judgment (CCJ) data may be provided by one or more of the following Credit Reference Agencies: TransUnion International UK Limited, Equifax Limited, Experian Limited.
2. RELATIONSHIP WITH CREDIT REFERENCE AGENCIES: TransUnion International UK Limited, Equifax Limited and Experian Limited.
When you have submitted your personal details to us at the time of your application to use our service, we will attempt to provide you with access to your personal credit report and credit score (and other services as set out below. Please note that we are not a credit reference agency.
We will submit the information you have provided to one or more of the following Credit Reference Agencies: TransUnion International UK Limited (TransUnion), Equifax Limited and Experian Limited who will attempt to locate and provide us with your credit report and credit score.
The information contained within your credit report, including your credit score, will be stored, formatted and categorised by us, and made accessible to you through our secure online portal via a menu-based system. We will use some of the data contained within your credit report and score to provide you with a summary of key facts, potential action points and alerts that may require your attention throughout the term of your membership.
The respective Credit Reference Agencies details, terms and privacy policies are listed below:
3. RELATIONSHIP WITH SPYCLOUD INC
When you become a member of UKCreditRatings, you are provided with access to our Dark Web Monitoring service which can be utilised from your online account HERE.
We search the Dark Web using your email address, we report back to you any associated first name, surname, username, password, telephone numbers, postal address, postcode, exposed financial information - including bank or credit card data, the source, date, and summary of how the breach occurred and the amount of data that was exposed.
Knowing which of your personal details have been exposed online and are potentially being targeted by hackers and criminals, allows you to focus on how to limit the potential risk, quickly and effectively. This includes which usernames and logins to change, which passwords you might use for other online accounts, telephone numbers and email addresses that might be targeted by fraudsters posing as your bank or card provider, multiple data breaches may also result in potential Identity theft or account takeover, the sooner you are aware of them, the faster you can act.
We partner with a third-party company called Spycloud Inc who hold one of the world’s largest collections of recaptured data sources, with over 300 billion data fields, including 30 billion email addresses, 25 billion passwords and over 200 unique data types, they are specialists in combatting fraud and identity theft.
Spycloud Inc, 2130 S Congress Ave, Austin, Texas 78704 - https://spycloud.com/contact-us
4. RELATIONSHIP WITH FAST PERKS
To become a member of UKCreditRatings you must apply online within this website and create an account with us. Once you have created your account and successfully entered your payment details, you will be presented with an onscreen message confirming whether your application to create an account has been successful. You will also be sent an email confirming your membership is now active.
Membership to UKCreditRatings starts from the date your account has been created. Access to the Dark Web monitoring service, articles and exclusive offers will be provided to you from the outset. To gain access to the Credit Reporting element of our service, you must complete a further registration process which includes answering a series of questions to verify your identity. Once these questions have been answered successfully, access to your credit file will be provided by one or more of the following Credit Reference Agencies: TransUnion International UK Limited, Equifax Limited, Experian Limited.
In some instances, we, or TransUnion International UK Limited, Equifax Limited or Experian Limited, may ask you to provide further evidence in the form of documentation, either physical or digital, such as proof of identity or residency to access your credit file. If you do not submit the required documentation, or the documents that you submit are not sufficient for TransUnion International UK Limited, Equifax Limited or Experian Limited to validate your identity, you will be sent reminders after day 14, day 21 and day 28.
If you are still not validated within 90 days from the third reminder, we will assume you no longer wish to continue your credit reporting service will cancel your membership. Not everyone that applies for the Credit Reporting element of our service will be accepted as a user. We 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, we may have been unable to match your personal details to the correct credit report and/or credit score. You may also not have been accepted because you did not have enough of a credit history on your credit file to provide a credit report and/or credit score.
From time-to-time instances may occur when our site or services are taken offline due to some form of a technology outage or even malicious attack. In some instances, it may be necessary for us, and or our partners, to maintain the service of the website provided to you under the terms of your membership to have a maintenance upgrade.
This could result in the service or website being taken offline or suspended temporarily whilst this maintenance takes place which may restrict access to the service for a period of time. We will try to limit any disruption to new and existing users by performing this maintenance at times where we expect low usage, but this may not always be possible.
We will attempt to provide a credit report and/or credit score to you through our secure online portal which will be updated when you log into your account.
Alerts, Updates and Promotions
Your credit file and score will be updated when you log into your account.
We will also attempt to provide you with alerts when your credit file or score displays a level of unusual activity which we feel merits your further investigation.
Alerts are a notification only service and are sent in the form of emails using the email address you provided to us as part of your application. It is your responsibility to ensure that this email address is accurate and monitored, and that any alerts are acted on promptly.
If you receive an email alert, you must log into your account to obtain further details to ensure that any changes that have been made to your credit file or score are valid. It is your responsibility to log into your account to get further details of the alert and take the appropriate action.
We recommend that you do not solely rely on credit alerts you should check your credit report and score on a regular basis to ensure it is accurate and up to date. You can choose to unsubscribe from receiving alerts or further emails by clicking on the unsubscribe link at the bottom of our email, by doing so, no further emails or alerts will be sent to your email address.
As assessment of your credit rating will be calculated and made available to you online. The rating may take the form of an overall score or star rating and is based on your personalised credit history.
Credit Reference Agencies award an overall credit score to a consumer’s credit file based on their credit history, generally, the better you have managed your finances over the last six years, the higher your credit score is likely to be. Higher credit scores often allow consumers to access credit more easily and at cheaper rates.
Credit scores are influenced by many factors, including the amount of available credit being used, timely or late repayments, county court judgements, electoral registration, etc, all of which can be viewed within our online portal. Any inaccurate information showing on your credit file can negatively impact your credit score, so it’s important to check your credit file regularly to ensure any inaccuracies can be quickly corrected.
Your credit score is updated when you log in to your account.
Victim of Fraud
If you suspect that you are the victim of identity fraud, or there are items showing on your credit file that you do not recognise or believe to be false, our friendly and knowledgeable customer service team are on hand to help.
You can contact our customer service team by live chat, email or telephone from 8.30am to 6pm Monday to Friday. You can find our contact details here
To continue to access our service once the initial free trial period has expired, an agreed monthly subscription fee, as communicated to you at the time of your application, will be payable by a continuous payment authority, or by Direct Debit, to UKCreditRatings. The subscription cost and trial end date will be further summarised and communicated to you by email once you have successfully applied to use our service.
Depending on your bank, a descriptor will appear on your statement showing our name as an abbreviation, either UKCreditRatings or UKCrdtRatng.com. Visiting ukcrdtratng.com will provide you with a summary outline of our service and sign-up process, the ability to cancel your account online, and our customer service contact details.
An initial payment at the time of application (if required) will be payable immediately, or on the date specified in our offer to you (e.g. normally 14 days after sign up). A monthly subscription payment will continue to be deducted via your chosen payment method on the same day (where possible) and each month thereafter, until such time as your membership is cancelled. You will be charged a pre-authorisation charge of £1.50, or an amount equal to your recurring monthly subscription price at the point of application. A summary of your subscription costs can be accessed within the Member profile section of your online account.
A member may cancel or terminate this agreement at any time by calling us at 0161 250 7700, by cancelling online through our webchat service at www.ukcreditratings.com, via email through the contact page of our company website, or by notifying us in writing at: Terminations, RS Data Tech, Ltd., Piccadilly House, Suite 606, 49 Piccadilly, Manchester M1 2AP (Parent company: RateSpecial Interactive, 46 Smith Alley, Suite #230, Pasadena, CA 91103).
A refund may be requested by the member at any time by contacting us at the above referenced number or by mailing us at the above mentioned address. However refunds will be given only in the cases of fraud, and/or in the event of our partial or total non-performance or inadequate performance of failure to deliver the agreed upon services to the member (i.e. site failure or service failure). If the member uses the services (i.e. signs up using a credit and or debit card and validates themselves) then services have been determined and agreed to have been rendered and therefore except in the circumstances referenced above, you forfeit the ability to demand a full refund for services rendered. For avoidance of doubt as soon as a sign up occurs for the membership, services have been delivered for that day and month and every day and month thereafter until membership is cancelled.
We reserve the right to terminate this Agreement (i.e. cancel Membership) upon giving you one week's notice (save for where there are serious grounds for doing so without notice). In the event of this occurring we will only credit your credit card or debit card in the amount equivalent to the remaining days left in the month i.e. pro-rata. For avoidance of doubt we will not refund your card for the entire month(s) charges or previous months charges because the service was being used and active. Once your membership is terminated we will not be required to continue to provide the said services to you after the termination of your membership.
You may terminate this Agreement (and cancellation of Membership) by giving us one week's notice.
Termination of this Agreement (and cancellation of Membership) will be effective within 1 week of the receipt by us of the Member's cancellation request or our notice to the Member.
Upon termination of membership and if the termination is within the Trial Period then no Membership Fees will have been payable or will be payable by the Member, and no Membership Fees will be re-credited to the Member's account. However if the termination is at any time after the Trial Period, then the Member will not owe any further Membership Fees in addition to those Membership Fees that are already due (and the Member will not be entitled to a refund of any past Membership Fees charged to the Member's account, (save for cases where there has been inadequate performance by us); and entitlement to access, make use of or benefit from Membership (including the Credit Reporting Service) shall cease. Should you cancel your account within the trial period, access will be immediately restricted and you will no longer be able to view your credit report or credit score.
Your contract for the Credit Reporting Services comes into existence once you have received the on-screen message that your application has been successful. If, as part of the application process, you are asked to submit some documents to us, your contract for the Credit Reporting Services comes into existence on the day that we are able to successfully verify your identity using those documents.
8. MEMBERSHIP FEES AND CONTINUOUS PAYMENT AUTHORITY
When you sign up and agree to be a Member of our services, you provide us with a continuous payment authority ("CPA") so that we can collect repayments automatically from your bank account using the debit card or the credit card that you nominate for this purpose (Please see below for further information concerning CPA) .
A Member may be entitled to a Trial Period of Membership, details of which are located on the website you were shown or marketed to at the time of your initial sign up to be a member in our services. A member can cancel at any time in accordance with our "terms & conditions" located in the above paragraph or the link at the bottom of the said website with the link displaying refund policy.
After the Trial Period, the monthly Membership Fee of up to £24.95 is payable in advance and will be automatically charged at the end of the Trial Period or on Renewal by use of CPA. An email notification will be sent to the email on file. At the end of your trial period your card will be charged up to £24.95 and then for each subsequent month you remain enrolled as a member your card will be charged this fixed amount monthly until cancelled. You can cancel your membership by contacting us at any time and stop the monthly billing; however, you will not be eligible for a pro-rated refund of your current month's membership fee.
If applicable, in the event that your payment or billing source cannot process the membership fee or is no longer in good standing due to insufficient available credit or funds, we may, at our discretion, divide the total membership fee into incremental charges in order to process the total membership fee and keep your membership enabled.
If the attempt for the charge of the agreed upon Membership Fee at the end of the Trial Period or at Renewal is unsuccessful we shall make immediate attempts on that day to contact you by phone, email and/or text message and find out why you have been unable to meet your Membership Fee obligations.
If we have been unable to determine a method for you to pay your membership fee we shall use ("CPA") to make up to five (5) additional attempts for the full membership fee. For avoidance of doubt we will use commercially reasonable efforts to use the following schedule in an effort to allow you to fulfill your agreement to pay the membership fee for the services rendered. :
- one attempt will be made on the first Friday following the end of the Trial Period;
- one attempt will be made on each of the four successive Fridays following the attempt set out in the previous bullet point.
Throughout the period referred to in the above paragraphs your access to the Service may be suspended pending receipt of the Membership Fee.
The attempts set out in the above paragraphs will continue until payment in full has been received, an alternative payment plan has been agreed or the limit of 5 further attempts has been reached at which point the Membership will be terminated.
To cancel this CPA you may contact your bank directly. Alternatively, you may ask us to cancel it by using the contact details found in the above paragraphs. 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.
We may increase or decrease the Membership Fee on 30 days notice on the Website and by notice by email or letter to the Member. If the Member does not agree with any such change, the Member may terminate this Agreement by calling us at 0161 250 7700 or by notifying us in writing at: Terminations, RS Data Tech, Ltd., Piccadilly House, Suite 606, 49 Piccadilly, Manchester M1 2AP (Parent company: RateSpecial Interactive, 46 Smith Alley, Suite #230, Pasadena, CA 91103).
9. INFORMATION ABOUT US
RSDT is registered in England and Wales and has a registered office at C/O WILLIAM STURGES LLP, BURWOOD HOUSE, LONDON, SW1H 0QY, UK and our business address at Piccadilly House, Suite 606, 49 Piccadilly, Manchester M1 2AP (Parent company: RateSpecial Interactive, 46 Smith Alley, Suite #230, Pasadena, CA 91103), company registration number 8282923 and VAT number 160224059.
RS Datatech Limited is Authorised and Regulated by the Financial Conduct Authority under FRN 738724.
RSDT is registered with the Information Commissioner's Office in compliance with the Data Protection Act 1998 and our registration number is Z3515312.
10. INTELLECTUAL PROPERTY
The content, organization, graphics, text, design, compilation, magnetic translation, digital conversion and other matters related to the Site are protected under applicable copyrights, trademarks and other proprietary (including but not limited to intellectual property) rights. The copying, redistribution, use or publication by you of any such matters or any part of the Site, except as allowed under "Limited Right of Use" below, is strictly prohibited. RSDT or other third parties own the intellectual property and other rights in any content, document or material viewed through the site and you do not acquire ownership rights to any such content, document or other materials viewed through the Site. The posting by RSDT of information or materials on the Site does not constitute a waiver of any right in such information and materials.
Additionally, you agree that you will not (i) remove or alter any author, trademark or other proprietary notice or legend displayed on our Site (or printed pages produced from our Site); and (ii) make any other modifications to any documents obtained from our Site other than in connection with completing information required to transact business with RSDT.
11. LIMITED RIGHTS OF USE
For viewing, printing or the downloading of any content, video, audio, graphic, form or document from the Site. RSDT grants you only a revocable, non-exclusive license for use solely by you for personal, non-commercial purposes limited to the use as is reasonably required to view and listen to the content and navigate through the pages and links generally available to the public using a standard Internet browser and standard media player, and not for republication, distribution, assignment, sub-license, sale, preparation of derivative works or other use. No part of any content, graphic, form or document may be reproduced in any form or incorporated into any information retrieval system, electronic or mechanical, other than for your personal, non- commercial use (but not for resale or redistribution).
12. ACCESSING THE SITE
We reserve the right at our sole discretion to change, edit or delete any documents, information or other content appearing on the Site. Your right to use the Site is not transferable. Any password or right given to you to obtain information or documents from the Site is not transferable, you must treat information as confidential and you must not disclose it to any third party. We have the right to disable any password, whether chosen by you or allocated by us, at any time, if in our opinion you have failed to comply with any of the provisions in this Agreement.
13. LIMITATIONS ON, AND DISCLAIMERS TO OUR LIABILITY
We will endeavour, so far as is reasonably practicable, to ensure the accuracy of any material displayed on our Site.
In no event will RDST or its third party partners or agents or employees thereof be liable to you or anyone else for any decision made or action taken in reliance on the information in this Site or for any consequential, special or similar damages.
A credit report and credit score is an indication of your financial position. In the event you use your credit report and/or credit score to obtain credit, you should ensure that you are able to afford to make any repayments as they fall due.
If you think that any of the details on your credit report are incorrect, then 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 TransUnion International UK Limited (the credit reference agency). If they agree that the information is inaccurate, they can make the necessary amendment. For more information, please consult our FAQs.
We will not be liable, (other than for fraudulent or negligent misrepresentations) for any economic losses (including without limitation loss of revenues, data, profits, contracts, business or anticipated savings); loss of reputation; or special or indirect losses suffered or incurred by you.
14. LINKS TO OTHER WEBSITES
15. SITE SECURITY
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.
In the event you mis-use our Site we may, where we believe we have reason to believe that offences may have been committed under the Computer Misuse Act 1990, inform the relevant authorities and bring legal action. Where we report any such breach to the relevant law enforcement authorities, we will co-operate with those authorities by disclosing your identity to them. We do not accept any responsibility for any equipment or connection failings which affect your access to/use of the site, or for security of the same. You are responsible for the security of your own computer systems and the transfer of any information from it.
We also do not accept responsibility for the loss or corruption of any material in transit, or the loss of or corruption of any material when downloaded onto any computer systems.
16. INFORMATION AND PRESS RELEASES
The Site contains interviews, discussions, press releases and other information (collectively, "Information") about us, our business and our services, including links to third-party websites that contain such Information, which are being provided as a convenience to visitors of the Site. While all Information prepared by RSDT was believed to be accurate as of the date prepared, we disclaim any duty or obligation to update any Information. Statements concerning companies other than RSDT that are contained in any such Information should not be relied upon as being provided or endorsed by us. The opinions expressed in any Information, including by employees and agents of RSDT, are solely those of the author(s) and do not necessarily reflect those of RSDT. With respect to Information, contained in links to third-party websites, please refer to "Links to other websites" set out above.
17. VISITORS' COMMUNICATIONS
Except where expressly stated otherwise by us, all comments, feedback, information, or materials that you submit through or in association with the Site shall be considered non-confidential. By submitting such comments, feedback, information, or materials to us:
- You represent and warrant that RSDT's use of your submission does not and will not breach any agreement, violate any law, or infringe any third party's rights;
- You represent and warrant that you have all rights to enter into this Agreement;
- You grant RSDT all necessary rights, including a waiver of all privacy and moral rights, to use all comments, feedback, information, or materials, in whole or in part, or as a derivative work, without any consequential duty or obligation arising on RSDT to anyone whatsoever.
We do not accept unsolicited ideas, works, or other materials, and you acknowledge that you are responsible for and bear all risk as to the use or distribution of any such ideas, works, or materials. RSDT expressly prohibits the scraping of email addresses from any RSDT website (including all areas of this Site) and expressly opts out of receiving commercial electronic mail messages to RSDT domain email addresses that were obtained in violation of the foregoing or by use of automatic address-generation software.
The services and products that we provide on our Site are intended for those over 18 years of age only, and information contained on our Site does not amount to an invitation to clients who are under 18 to buy any services or products. In addition, you may only register for the Credit Reporting Services if you are resident in the United Kingdom. By registering on the Site and making the application to use the Credit Reporting Services, you confirm that you meet these requirements.
All transactions for the supply of services concluded through our Site are governed by a separate agreement to be entered into at the time of subscription or purchase of those services.
The Site can be accessed from different locations around the world and may contain references to RSDT's services, and programs that have not been announced where you are located. These references do not imply that RSDT intends to announce such products, services or programs where you are located. This Agreement shall be treated as though it were executed and performed at Piccadilly House, Suite 606, 49 Piccadilly, Manchester M1 2AP (Parent company: RateSpecial Interactive, 46 Smith Alley, Suite #230, Pasadena, CA 91103), England, and shall be governed by and construed in accordance with the laws of England and Wales (without regard to conflict of law principles).
All communications with you will be in English.
21. QUERIES AND COMPLAINTS
If you have a complaint about our services, you should write to us and we will endeavour to resolve it as soon as possible.
If your query relates to data that TransUnion holds , or if we are unable to resolve your query or dispute, we may refer your query or dispute to TransUnion. TransUnion’s complaints policy is at:
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 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
Tel: 0800 023 4 567 or 0300 123 9 123
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.
Companies House Address (Inc):
C/O William Sturges Llp Burwood House,
14-16 Caxton Street, London, SW1H 0QY
Copyright and Service Mark Information
© 2013 - 2023, RS Data Tech Ltd., all rights reserved.
Last updated April 2018.