AccountScore

Website Terms and Conditions of Use

1 TERMS OF WEBSITE USE

1.1 This page (together with the documents referred to on it) tells you the Terms and Conditions of Use ("Terms of Use") on which you may make use of our website: www.accountscore.com ("our Site"), which is owned, operated, licensed, and controlled by AccountScore Ltd, whose registered office is at 2 Minton Place, Victoria Road, Bicester, Oxfordshire, OX26 6QB, t/a AccountScore (also referred in these Terms of Use by the words “AccountScore”, “we”, “us” and “our”).

1.2 Please read these Terms of Use carefully before you start to use our Site.

1.3 By using our Site, you indicate that you accept these Terms of Use (including our Privacy Policy, and all references in these Terms include our Privacy Policy), and that you agree to abide by them and be legally bound by them. If you do not agree to these Terms of Use, please refrain from using our Site or the AccountScore Service.

2 INFORMATION ABOUT US

2.1 Our Site is operated by AccountScore Ltd. We are registered in England and Wales under company number 10084932 and have our registered office at 2 Minton Place, Victoria Road, Bicester, Oxfordshire, England, OX26 6QB.

2.2 We are registered with the Information Commissioner's Office in compliance with the Data Protection Act 1998. Our registration number is ZA180426.

3 ACCESSING OUR SITE

3.1 Access to our Site and the AccountScore Service is permitted on a temporary basis, and we reserve the right to withdraw or amend the AccountScore Service or any other service we provide on our Site without notice (see below). We will not be liable if for any reason our Site or the AccountScore Service is unavailable at any time or for any period.

3.2 From time to time, we may restrict access to some parts of our Site, or the entirety of our Site, to users who have registered with us.

3.3 You are responsible for making all arrangements necessary for you to have access to our Site. You are also responsible for ensuring that all persons who access our Site through your internet connection are aware of these terms, and that they comply with them.

4 ACCOUNTSCORE SERVICE

4.1 In order to use our AccountScore Service, you are required to enter your internet banking details into our AccountScore Site, including your personal identification numbers (PIN) and security passwords (Internet Banking Credentials). Your Internet Banking Credentials are encrypted in transit and stored securely for a short period on our servers before being transferred to our agent and supplier Yodlee, Inc. (Yodlee). Your encrypted Internet Banking Credentials are then stored by Yodlee upon their servers in a secure environment.

4.2 In order to use our AccountScore Service, you are required to designate and provide the details of your internet banking account (Bank Account), including your Internet Banking Credentials within AccountScore in order to enable AccountScore to report on your transaction history from your nominated internet banking account (Transaction Data) to the lender or other financial services provider to whom you have applied or may apply for a credit facility or financial product or service in order to enable such lender or other financial services provider to whom you have applied or may apply for a credit facility or financial product or service to carry out affordability checks and make a decision whether to offer you a loan or other financial product or service using your Transaction Data as reported on by AccountScore at the time of your application.

4.3 In order that we may provide the AccountScore Service, by providing your PIN and Internet Banking Credential you agree that AccountScore and its supplier Yodlee may as your agent and nominated representative and instruct us and Yodlee to access, retrieve, view, represent and use your Transaction Data for the purposes specified. The purposes include:

Save as provided above your raw Transaction Data is treated as confidential and will not be passed to any third parties other than members of our group (which means our subsidiaries, our ultimate holding company and its subsidiaries in each case as defined in section 1159 of the UK Companies Act 2006), or our business partners, suppliers and sub-contractors for the performance of services under any contract we enter into with them or you. Aggregated and/or anonymised Transaction Data will be used by us to enhance our product and service offerings and may be shared with third parties.

4.4 For the avoidance of doubt, we will not pass your Internet Banking Credentials to any third parties other than in encrypted format to Yodlee.

4.5 You acknowledge and accept that your internet banking provider may not endorse or sponsor AccountScore or Yodlee or any associates or business partners.

4.6 For the avoidance of doubt, we will not, and cannot, control your Bank Account, make payments or transfer funds to third parties or otherwise operate any other functionality on your account.

4.7 To allow us to provide our services to you, you agree that your internet banking provider should, in accordance with these Terms of Use, allow AccountScore and Yodlee as your agent and nominated representative to, access, view, copy, represent and view your bank account information.

4.8 You acknowledge and accept that your internet banking provider does not endorse or sponsor AccountScore.

4.9 You accept that neither we nor our partners including Yodlee will have any liability to you resulting from a potential lender’s decision whether or not to lend to you or extend credit or increase or decrease a credit limit or to withdraw an offer of credit or availability of credit as a result of the AccountScore Service or any failure in the provision of the AccountScore Service or unavailability of the AccountScore Service.

4.10 You agree to hold us and our partners including Yodlee harmless and indemnify us and them from any third party claims caused by your use of the AccountScore Service or any lender or potential lender’s or other financial product or service provider’s use of the AccountScore Service or reliance on the AccountScore Service.

5 INTELLECTUAL PROPERTY

5.1 Our Site, the content, any materials downloaded, and all intellectual property pertaining to or contained on our Site (including but not limited to copyrights, patents, database rights, graphics, designs, text, logos, trade dress, trademarks and service marks) are owned by AccountScore or third parties and all right, title and interest therein shall remain the property of AccountScore and/or such third parties (collectively, the "Content"). All Content is protected by copyright, patent and trademark laws, and various other intellectual property rights and unfair competition laws.

5.2 You are authorised solely to view and retain a copy of the pages of our Site for your own personal, non-commercial use.

5.3 You agree that you will not duplicate, publish, modify, create derivative works from, participate in the transfer of, post on the World Wide Web, otherwise make available to any other third party, or in any way distribute or exploit our Site, or any portion of our Site for any public or commercial use without the express written consent of AccountScore.

5.4 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 AccountScore.

6 SITE SECURITY

6.1 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.

6.2 By breaching this provision, you would commit a criminal offence under the Computer Misuse Act 1990. We will report any such breach to the relevant law enforcement authorities and we 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.

6.3 We will not be liable 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.

7 PRIVACY

7.1 AccountScore's Privacy Policy applies to use of our Site, and its terms are made a part of these Terms of Use by this reference. Our Privacy Policy is available at https://www.accountscore.co.uk/Content/HTML/PrivacyPolicy.html.

7.2 Any personal data we process about you will be processed in accordance with our Privacy Policy and by using our Site to transmit personal data you consent to such processing and you warrant that information provided by you is accurate.

7.3 Additionally, by using our Site, you acknowledge and agree that Internet transmissions are never completely private or secure. You understand that any message or information you send to our Site may be read or intercepted by others, notwithstanding AccountScore's efforts to protect such transmissions. We are not responsible for any message lost, intercepted or altered by third parties and will not be liable to you or anyone else for any damages or otherwise in connection with any message sent by you to us or any message sent by us to you over the Internet.

7.4 Logos, trademarks, images, etc. are the property of AccountScore unless otherwise noted and may not be copied, used, linked, disseminated, etc. without AccountScore's prior express written approval. Requests for approval should be directed to customer.services@accountscore.co.uk; or AccountScore, PO Box 1515, High Wycombe, HP11 9JE.

8 COOKIES

8.1 The Site makes use of Cookies to help us identify your computer. Cookies do not themselves identify the individual user, just the computer that is used. Many sites use cookies to monitor visits to their sites in order to track traffic flows. Cookies themselves record those areas of the site that have been visited and for how long. Cookies allow us to provide a more responsive site experience.

8.2 Under the Privacy and Electronic Communications Regulations 2003 (as amended) we are required to get the consent of everyone who uses our Site to the use of cookies. By continuing to use our Site you agree to this.

8.3 You can prevent the use of cookies at any time by configuring your browser accordingly, but please note this may hinder some Site functionality. More information on cookies and guidance are contained in our Privacy Policy at https://www.accountscore.co.uk/Content/HTML/PrivacyPolicy.html.

9 DISCLAIMERS

9.1 Whilst we have taken reasonable steps to ensure the accuracy, currency and availability, correctness and completeness of the information provided by AccountScore as part of the AccountScore Service:

9.1.2 AccountScore does not promise that the AccountScore Service or any content, document or feature of the AccountScore Service will be error-free or uninterrupted, or that any defects or errors or omissions will be corrected or that your or a potential lender’s use of the AccountScore Service will provide specific results or result in you being provided with credit by a potential lender.

9.1.3 The materials provided by the AccountScore Service or on our Site could include technical inaccuracies or typographical errors. Our Site and its content and the AccountScore Service are delivered on an "as-is" and "as-available" basis. All information provided on our Site and by the AccountScore Service is subject to change without notice. Changes may be made to the Site and these Terms of Use by updating this posting. Any revised term shall take effect as at the date when the change is made to this Site. You agree to review the terms regularly and your continued access to or use of the Site or use of the AccountScore Service will mean that you agree to any changes. AccountScore cannot ensure that any files, documents or other data you download from our Site or provided as part of the AccountScore Service will be free of viruses or contamination or destructive features.

9.1.4 AccountScore disclaims all warranties, express or implied, including any warranties of accuracy, non-infringement, merchantability and fitness for a particular purpose.

9.1.5 AccountScore disclaims any and all liability for the acts, omissions and conduct of any third parties in connection with or related to your use of our Site or the AccountScore Service. You assume total responsibility for your use of our Site and any linked sites and for use of the AccountScore Service by any lender or potential lender to you.

10 OUR LIABILITY

10.1 The material displayed on our Site and provided under the AccountScore Service is provided without any guarantees, conditions or warranties as to its accuracy. To the extent permitted by law, we, other members of our group of companies and third parties connected to us including Yodlee hereby expressly exclude:

10.1.1 All conditions, warranties and other terms which might otherwise be implied by statute, common law or the law of equity.

10.1.2 Any liability for any direct, indirect or consequential loss or damage incurred by any user in connection with our Site or the AccountScore Service or in connection with the use, inability to use, or results of the use of our Site or the AccountScore Service, any websites linked to it and any materials posted on it or provided under the AccountScore Service, including:

10.2 This does not affect our liability for death or personal injury arising from our negligence, nor our liability for fraudulent misrepresentation or misrepresentation as to a fundamental matter, nor any other liability which cannot be excluded or limited under applicable law.

11 INDEMNITY

11.1 By using our Site, you agree to defend, indemnify, and hold harmless AccountScore and its partners including Yodlee from and against any and all losses, claims, damages, costs and expenses (including reasonable legal and accounting fees) that AccountScore may become obligated to pay arising or resulting from your use of our Site, the AccountScore Service, the Content, or your breach of these Terms of Use. AccountScore reserves the right to assume or participate, at your expense, in the investigation, settlement and defence of any such action or claim.

12 LINKING TO AND FROM OUR SITE

12.1 Our Site may contain links to sites maintained by third parties for your convenience. As AccountScore does not control such sites, AccountScore is not responsible for the content or privacy policies of those sites, and the existence of such links should not be considered an endorsement or recommendation of those sites or of any product or service offered on those sites or of any party that is associated with those sites.

12.2 Please note that other web sites and web pages linked to our Site may be governed by separate terms and conditions, including privacy policies. Please refer to the applicable terms and conditions of those web sites and web pages when visiting them.

12.3 You are not entitled to and must not (nor will you assist others) to set up links to the Site, (whether by hypertext linking, deep-linking, framing toggling, direct link also known as ''Hot Link" or otherwise link or connect) without our prior written consent, which we may grant or withhold at our absolute discretion.

12.4 If you wish to make any use of material on our Site other than that set out above, please address your request to customer.services@accountscore.co.uk or AccountScore, PO Box 1515, High Wycombe, HP11 9JE.

12.5 We reserve the right to withdraw linking permission without notice.

13 AGE

13.1 The services and products that we provide on our Site and the AccountScore Service 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 or to use the AccountScore Service. All transactions for the supply of services concluded through our Site are governed by the Terms of Use.

14 LAW AND JURISDICTION

14.1 Your use of our Site and the AccountScore Service and these Terms of Use are governed by the Laws of England and Wales whose courts have exclusive jurisdiction of any disputes that may arise under or in connection with the Terms of Use.

14.2 However, we retain the right to bring proceedings against you for breach of these Terms of Use in your country of residence or other relevant country.

15 MISCELLANEOUS

15.1 Any failure by AccountScore to exercise any rights or enforce any of these Terms of Use shall not constitute a waiver of such rights or terms.

15.2 If any provision of these Terms of Use or their application in a particular circumstance is held to be invalid or unenforceable to any extent, the remainder of these Terms of Use, or the application of such provision in other circumstances, shall not be affected thereby, and each provision hereof shall be valid and enforced to the fullest extent permitted by law.

15.3 These Terms of Use constitute the entire agreement between you and AccountScore with regard to your use of our Site and the AccountScore Service, and any and all other written or oral agreements or understandings previously existing between you and AccountScore with respect to such use are hereby superseded and cancelled.

16 YOUR CONCERNS

If you have any concerns about material which appears on our Site, please contact customer.services@accountscore.co.uk or AccountScore Ltd t/a AccountScore, PO Box 1515, High Wycombe, HP11 9JE.