These Terms set out our agreement with you about the use of our Services and our website www.creditscoremaster.com and are legally binding. We recommend that you print or email yourself a copy of these Terms for your future reference. Details of our Services are set out in section 3 below. Save as set out in these Terms, your use of our website and the content and services which may be accessed through it is at your own risk. Whilst we take reasonable steps to ensure that the content of our website2 is accurate, current and complete, our website and the content and services available through it are provided “as is”. In particular, neither we nor any of our service providers have any control over the content of the information provided by Credit Reference Agencies. We do not accept liability for the accuracy or completeness of any website content or content provided as part of our Services. We do not accept liability for any errors or omissions or for the content becoming out of date. Certain features of our website will rely on data provided by you in order to generate output. We recommend that you confirm the accuracy and completeness of any content before relying on it. References in these Terms and on our website to “we”, “our” or “us” are references to Credit Score Master LLC and/or (where the context permits) our third party service providers together with their subcontractors. References to “you” and “your” means each natural or legal person who uses our website or the associated services.
●1. Information about us
●Our website is operated and owned by Credit Score Master LLC, which is authorised and regulated by the Financial Conduct Authority. Credit Score Master LLC is a limited company registered in England and Wales under company number 09221862. Our registered office is at Brooklyn, NY, USA.
●Your contractual relationship in relation to our website and our Services is at all times with Credit Score Master LLC and not with any of our affiliates, third party service providers or their subcontractors.
2.Changes to these terms on our website
●We may change these Terms at any time. We will notify you of any such changes by sending you an email alert, by posting a notice on our website or through the Services, or in any other manner we deem appropriate. Your continued use of our website or our services will confirm your acceptance of the revised terms.
●We may update our website and associated services from time to time, and may change the content at any time. Please note that any of the content on our website may be out of date at any given time, and we are under no obligation to update it.
●Please check this page from time to time to take notice of any changes we have made, as they are binding on you.
●We are dedicated to helping our users gain more control over their financial wellbeing by obtaining their credit report and credit score from Credit Reference Agencies and providing free access to them. We also use this information to provide our users with matched offers of third party credit products which are tailored to their profile and could help them save money.
●On your acceptance of these Terms and our acceptance of your application for our services, you engage us as a service provider to provide you with the following services:
●Obtain on a monthly basis on your behalf, as your authorised agent and representative, copies of your credit report and credit score from designated Credit Reference Agencies. Please note that all costs for the retrieval and presentation of the credit report and credit score are paid for by us;
●Hold on our systems and make this credit information available to you through our website. After you register for our service we will take you through an ID validation process to securely identify you as an individual with a credit report. Once your identity has been validated, we will then provide you with a copy of your credit report and credit score. Provided you remain an active user of our services (as described in paragraph 3.5 below), we will download from a Credit Reference Agency an updated copy of your credit report and credit score on a monthly basis and alert you via email that a new report is available. If there has been a significant change or addition to information in your credit score or credit report, we may notify you of that change by sending you an email alert;
●Undertake analysis and profiling of your and, where applicable, your financial associates’ (meaning any person with whom you have a joint financial account or mortgage, have made a joint credit application or have a joint court judgment) credit information (and any other information provided by you or on your behalf) and/or to make tools available to you to do so yourself, to assist you in being better informed about, understand and manage your credit position, and in order to identify and inform you of credit products (including personal loans and credit cards) that are likely to be suited to your credit circumstances; and
●YOU ACKNOWLEDGE AND AGREE THAT WHEN WE ACCESS AND RETRIEVE INFORMATION FROM CREDIT REFERENCE AGENCIES WE ARE DOING SO AS YOUR AGENT AND REPRESENTATIVE. YOU AGREE THAT CREDIT REFERENCE AGENCIES SHALL BE ENTITLED TO RELY ON THE FOREGOING AUTHORISATION AND AGENCY GRANTED BY YOU.
●You will only receive monthly updates to your credit score and credit report while you remain an active user of our Services. You will cease to be an active user if you do not log in to your account for more than 364 days. We will be entitled to stop providing you with monthly updates and close and delete your account if you do not log in to your account in any 364 day period. Before we end provision of our Services and our website and close and delete your account we will send you an email to alert you of our intention to do so. To resume the service, simply log in to your account within one month of receipt of the email alert.
●We will use third party service providers to identify and provide you with information of credit products that we consider are relevant to your credit rating. We aim to present only the economically advantageous products that you have a strong likelihood of being accepted for based on the merits of the product and your profile.
●We do not charge you for the use of our website or our Services. However, we may receive commission if you purchase a product from a provider or issuer of credit whose information we have provided to you through advertising on our website or otherwise. Where possible and applicable we will provide a description of the basis of the commission that we earn with each product offer on our website.
●Any information provided to you as part of our Services is only as accurate, complete and up to date as the information supplied to us by the Credit Reference Agency or other third party we use to obtain this information. We do not check the information we receive from third parties for accuracy or completeness. We do not assume responsibility for the timeliness, accuracy, deletion, non-delivery or failure to store any user information, communications or personalisation settings.
●If you have a query or dispute in respect of the Services, please contact us directly using the details provided in section 18 headed “Contact Us”. If the query or dispute relates to any information we have obtained from a Credit Reference Agency or third party service provider, we may refer the query or dispute to them if we deem appropriate.
●By using our Services, your records and, where applicable, those of your financial associates will be searched. Searches are carried out as follows:
●As part of verifying your identity, we will carry out an authentication search against your credit information. This search will be carried out once at the time you register for our Services;
●Whilst you remain an active user of our Services as described in paragraph 3.5 above, we will carry out searches against your credit information on a monthly basis (i.e. a maximum total of 12 searches in any 12 month period) in order to provide you with your credit score and credit report; and
●We or our third party service providers will carry out searches against your and, where applicable, your financial associates’ credit information on the first occasion you log into your account in each month (i.e. a maximum of 12 searches in any 12 month period). We use these searches to identify and inform you of credit products (including personal loans and credit cards) that we consider are likely to interest you or be suited to your credit circumstances as further described in paragraph 3.2.3 above. (a) Certain product providers provide us with their own services to assess your suitability for particular products. The use of these services via our website is subject to their Terms and Conditions these can be seen here:
●The Credit Reference Agency will keep a record of each search and place a “footprint” on your credit file. The types of footprints our searches leave do not affect your credit rating. They will not be seen by banks and issuers of credit when you apply for their products and are removed from your credit file after a year. They are often referred to on your credit report as Quotation searches for example as ‘personal loan quotation’ or ‘credit card quotation’.
●If you chose to apply for a product from a product provider by visiting their site either independently or via our website they may undertake a credit check that may leave a “footprint” on your credit report. They may also provide you with the terms & conditions for that product which are not related to our terms & conditions.
4.Registering to use our website and our services
●Presenting a credit report and credit score is subject to you passing appropriate identity authentication for security purposes. Not all users will successfully pass the identity authentication process. If you fail the process, we do not have to notify you of the reasons why you failed. When you register for our Services by accepting these Terms, we may request your credit card or bank account information, together with other personal details, to verify your identity. We will use the credit card or bank account information only for the purposes of verifying your identity (and to prevent, detect and prosecute fraud and crime and comply with legal or regulatory requirements) and will not retain it.
5.Accessing our website and our services
●Our website and our Services are made available free of financial charge. These Terms govern your access to and use of our website and the information available on it, including information you provide and that we collect on your behalf and facilities and services offered through our website.
●You must be at least 18 years of age and a resident in the USA to use our website and any services provided through it.
●You may access and use our website and our Services only for your personal use on your own behalf and not on behalf of anyone else. You must not engage another person, company, partnership or other entity to access our website or our Services on your behalf. You must not order, or attempt to order, credit information about anyone else through our website.
●When using our website or our services you must comply with the provisions of our Acceptable Use Policy as set out in section 7 below. Your right to access our website or use our Services will terminate automatically if you breach any of the provisions of our Acceptable Use Policy.
●As our services and products are only available in the USA, our website is intended for US residents only. IF YOU CHOOSE TO ACCESS OUR WEBSITE FROM A LOCATION OUTSIDE OF THE USA, YOU ARE RESPONSIBLE FOR COMPLIANCE WITH LOCAL LAWS RELATING TO SUCH ACCESS, INCLUDING VIEWING OR USING THE CONTENT OF OUR WEBSITE, IF AND TO THE EXTENT LOCAL LAWS ARE APPLICABLE.
●We do not guarantee that our website, or any content on it or provided as part of our Services, will always be available, uninterrupted or error free. Access to our website and our Services is permitted on a temporary basis. We reserve the right to suspend, withdraw or restrict access to our website or our Services, or any part of it or them, at any time for any purpose we deem reasonable, without notice. This includes where we believe that you have breached these Terms, or if we consider there is or is likely to be a breach of security.
●Whilst we try to keep any disruption to our website and associated services to a minimum, our website and associated services may become unavailable from time to time in order for us to carry out planned and unplanned maintenance and security updates. We will not provide notice of this.
●We will not be obliged to restore any of your data which may be deleted in the course of suspending, withdrawing or restricting your access to our website or our Services. It is your responsibility to print out and/or save any materials or data which you may require in the future.
●You are responsible for making all arrangements necessary for you to have access to our website including providing and maintaining any equipment used to access our website. You are solely responsible for any telecommunications costs that you incur whilst using our website.
●Your right to access our website and our Services is personal to you. You must not allow any other person to have access to your account or our Services using your username or password. You must keep confidential any username, password or other information you choose, or are provided with, as part of our security procedures. You must not disclose them to any other person nor keep them in any form or format that would allow them to be accessed by or on behalf of another person.
●You are responsible for all use of our website and our Services when access is obtained through the use of your username and password, whether or not authorised. For your security, we recommend that you close all open browsers relating to our website on completion of your visit. Should you have any reason to believe that any of your personal or account information has been compromised or exposed to any other person, either by your own actions or the actions of others, you must immediately notify us and reset your password.
7.Acceptable use policy
●You may only use our website and our services for lawful purposes. You must comply with the acceptable use policy set out in this section (the “Acceptable Use Policy”).
●You must not engage, authorise or permit any other person to directly access your account in order to obtain information provided or made available to you as part of our Services (whether as agent or representative on behalf of, or as a service provider to, you or otherwise).
●You must not, and you must not allow another person to, use our website (including any content or materials on it) or our Services:
●In any way that breaches any applicable local, national or international law or regulation;
●In any way that is fraudulent, or has any fraudulent purpose or effect (including by misrepresenting your identity or account information);
●To access or interfere with another person’s records, impersonate another person or create or use a false identity or email address;
●For your own or another person’s commercial purposes;
●To harm or attempt to harm minors in any way;
●To transmit any unsolicited or unauthorised advertising or promotional material or any other form of similar solicitation (“spam”);
●To obtain or attempt to obtain unauthorised access to or interfere with, damage or disrupt any part of our website, any computer systems, equipment, software or networks on or through which our website is stored or operated;
●To modify, adapt, decipher, decompile, disassemble or reverse engineer any of the software comprised in or in any way making up a part of our website or services provided by our website;
●To scrape, reproduce, duplicate, copy, modify, distribute, publish, resell or transmit any element comprised in our website, including any software comprised in it, the content or the services provided through it;
●To use any technology or processes of any kind to access, acquire, copy, monitor, navigate or search our website or any portion of it (including the use of data mining, robots or similar data gathering and extraction tools); or
●In any way that is not authorised by us or is detrimental to us or our third party service providers.
●You must not, and you must not allow another person to:
●Knowingly transmit any data, send or upload any material that is corrupt or contains viruses, Trojan horses, worms, logic-bombs, keystroke loggers, spyware, adware or any other harmful programs or similar computer code designed to adversely affect the operation of any computer software or hardware
or perform any act that would cause our website to become unavailable for use by others (including via any form of denial-of service attack);
●Access without authority, interfere with, damage or disrupt any part of our website, any software, the server or other equipment or network used in the provision of our website (including where owned or used by any third party).
●Breach of these above two requirements is a criminal offence under the Computer Misuse Act 1990. We will report any such breach and disclose your identity to the relevant law enforcement authorities.
●You will fully cooperate with us where any law enforcement authorities, regulators or court order requests or directs us to disclose the identity or locate anyone posting any material or using our website or our services in breach of this Acceptable Use Policy. Interactive Services
●We may from time to time provide interactive services on our website, including, for example, for you to review and comment on the services and products that we or product providers or issuers of credit provide.
●Where we do provide any interactive service, we will 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 are under no obligation to oversee, monitor or moderate any interactive service we provide on our website, 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. Content Standards
●These content standards apply to any and all material which you contribute to our website and to any interactive services associated with it.
●You must comply with the following standards. The standards apply to each part of any contribution as well as to its whole.
●Be accurate (where they state facts);
●Be genuinely held (where they state opinions); and
●Comply with applicable law in the USA and in any country from which they are posted.
●Contributions must not:
●Contain any material which is defamatory of any person;
●Contain any material which is obscene, offensive, hateful or inflammatory;
●Promote sexually explicit material, violence or any illegal activity;
●Promote discrimination based on race, sex, religion, nationality, disability, sexual orientation or age;
●Infringe any copyright, database right or trademark of any other person;
●Be likely to deceive any person;
●Be made in breach of any legal duty owed to a third party, such as a contractual duty or a duty of confidence;
●Be threatening, abuse or invade another’s privacy, or cause annoyance, inconvenience or needless anxiety;
●Be likely to harass, upset, embarrass, alarm or annoy any other person;
●Be used to impersonate any person, or to misrepresent your identity or affiliation with any person;
●Give the impression that they emanate from us, if this is not the case; or
●Advocate, promote or assist any unlawful act including copyright infringement or computer misuse.
8.Consequences of breach of the acceptable use policy
●We may monitor and log user activity, and any material contributed by users, for security purposes and in order to identify any actual or potential misuse of our website or our Services.
●Failure to comply with our Acceptable Use Policy constitutes a material breach of these Terms.
●If we have reason to believe that you have, or you are likely to, use (or allow another person to use) our website or our Services in breach of our Acceptable Use Policy, we may take such action as we reasonably deem appropriate including: immediate, temporary or permanent withdrawal of your right to use our website or associated services; immediate, temporary or permanent removal of any material contributed by you to our website; legal proceedings against you; and/or disclosure of such information to law enforcement authorities or regulators as we reasonably consider is appropriate.
9.Intellectual property rights
●All intellectual property rights in our website, in the material published on it and in its component systems are owned by, licensed or sub-licensed to us. All content on our website is subject to copyright with all rights reserved.
●Images, trademarks and brands are also protected by intellectual property laws and may not be reproduced or appropriated in any manner without permission of their respective owners.
●App Store and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. Google Play and the Google Play logo are trademarks of Google Inc.
●You must not remove any acknowledgement that we or any of our contributors is the author of any website content or any content we provide to you as part of the Services.
●You may download or print content or individual sections or pages of our website for your personal use and information only, provided that any such copy has attached to it the relevant proprietary notices and/or disclaimers. Any material downloaded or otherwise obtained through our website is done at your own discretion and risk and you are solely responsible for any damage to your computer system or loss of data that results from the download of any such material.
●You must not modify, adapt, copy, download or post material from our website nor store any part of our website in any other website or include it in any public or private electronic retrieval system.
●You must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text or explanation.
●If you print off, copy, download or post to social media any part of our website in breach of these Terms you must, at our option, return or destroy any copies of the materials you have made.
●By submitting Content you confirm and agree that the owner of that Content has expressly agreed that, without any particular time limit, and without the payment of any fees, we may use the Content for the purposes set out in these Terms.
11.No reliance on information
●The content on our website and any information provided to you as part of our Services is provided for general information only. It is not intended to amount to advice on which you should rely. We do not control your credit score or credit report and we cannot change that information for you. Businesses that carry out credit searches on you collect and maintain information about you from a number of sources, including the Electoral Register, fraud prevention, and credit information (including details of previous applications and the conduct of your bank accounts) and public information such as County Court Judgements, decrees, and bankruptcies. They may also form a link between any previous or subsequent names that you use in the records they hold about you.
●Such businesses will use their own criteria in making decisions about you. Any decisions you make on the basis of your credit score or credit report, or any other information we provide or make available to you, are purely your own choice.
●Please therefore ensure that you have fully read and understand any relevant information, such as the credit provider’s terms and conditions, which provide full details of the risks involved with any decision you make. You may wish to consider obtaining professional or specialist advice before taking, or refraining from taking, any action on the basis of the content on our website or any other information we provide or make available to you.
12.Limitation of our liability
●PLEASE READ THE PROVISIONS OF THIS SECTION CAREFULLY, AS THEY EXCLUDE OR LIMIT OUR LIABILITY FOR ANY LOSSES SUFFERED BY YOU IN CONNECTION WITH YOUR USE OF OUR WEBSITE AND OUR SERVICES.
●Nothing in these Terms excludes or limits our liability for death or personal injury arising from our negligence, or our fraud or fraudulent misrepresentation, any duties or liabilities that we owe to you under the Financial Services and Markets Act 2000 or the rules of the Financial Conduct Authority, nor any other liability that cannot be excluded or limited under applicable law.
●To the extent permitted by law, we exclude all conditions, warranties, representations or other terms which may apply to our website, any content on it or services accessed through it, whether express or implied.
●We will not be liable to you or any third party for any loss or damage, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, even if foreseeable, arising under or in connection with:
●Use of, inability to use or unavailability of, our website (or any part of it), websites linked to it, or our Services;
●Any products, data, information or services purchased or obtained or messages received or transactions entered into, through or from the services obtained or accessed through our website including use of or reliance on any content displayed on or made available through our website;
●Unauthorised access to or alteration of your transmissions or data; or
●Any inaccuracy or incompleteness of any information received by you or by us through our website or as part of our Services.
●We shall only be responsible for loss or damage you suffer that is a foreseeable result of our breach of these Terms or our negligence. Loss or damage is foreseeable if it is an obvious consequence of our breach or if they were contemplated by you and us at the time you accepted these Terms.
●We are not responsible for any products provided by issuers of credit or any other third parties. Those products are governed by separate terms and conditions of supply. You agree that we are not responsible or liable for any loss or damage you may suffer or incur in connection with any such product, or the terms and conditions applying to any contract you enter into with any third party in relation to any product, or for any acts, omissions, errors or defaults of any third party in connection with any product or the applicable terms and conditions.
●It is your responsibility to seek independent advice or otherwise satisfy yourself that you wish to apply for, take out, cancel, exchange or request a change to a credit or other product before doing so.
●Where we have indicated your likelihood of success with respects to products matched to your profile, or where we have provided indications of how much money you may save, these are provided for information purposes only and should not be relied upon when making decisions. We do not accept any liability or provide any guarantee with respects to your eligibility for or success in obtaining products matched to you or advertised on our website.
●Although we take all reasonable steps to protect our systems using virus checking software, please note that any content downloaded from our website is at your own risk. We do not accept liability for any loss or damage that you suffer as a result of any distributed denial-of-service attacks, computer viruses, Trojan horses, worms, software bombs or other damaging items resulting from your use of our website. You are responsible for protecting your computer systems from exposure to viruses by the use of anti-virus software, firewalls and any other technical measures necessary.
●We do not charge you a separate fee for access to and use of our website or our services. On this basis our total aggregate liability for any losses and/or damage suffered by you will be limited to $300.
13.Linking to our website
●You may link to our home page, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it.
●You must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part where none exists.
●You must not establish a link to our website in any website that is not owned by you.
●Our website must not be framed on any other site, nor may you create a link to any part of our website other than the home page.
●We reserve the right to withdraw linking permission without notice.
●The website in which you are linking must comply in all respects with the content standards set out in our Acceptable Use Policy in section 7.
14.Links to other websites and third party resources
●Where our website contains links to other websites or resources provided by third parties, these links are provided for your information only and do not imply any endorsement by us of the linked website or resources or any related products or services.
●We have no control over, and accept no responsibility or liability for, the contents of those websites or resources. It is your responsibility to check the terms and conditions of any other websites or resources you may visit and you use them and the products and/or services made available through them at your own risk.
15.Duration of our services and ending this agreement
●We reserve the right at any time to terminate your agreement with us and your use of our website or any products or services contained in or obtained through our website, with or without cause, immediately upon our giving you notice in writing to the email address provided by you when you registered for your account (or any email address you subsequently provide).
●If you no longer wish to receive our Services you can close and delete your account by visiting the ‘My Account’ section and clicking on ‘Delete Account’. Please note that once deleted, your account cannot be recovered and you will not be able to access the credit or other information we hold about you through our website.
●Please note that if you withdraw consent to the processing of your personal data, access to our website and the associated services will be suspended or
terminated. We will keep an archived record of your personal data for a period of up to 7 years after termination (unless a longer period is prescribed by law) for the purposes of responding to legal disputes and legal or regulatory enquiries or investigations only, but will not use this data for any other purpose.
16.Privacy and cookies
●The headings used in these Terms are for convenience only and shall not affect their interpretation
●In these Terms, unless specified otherwise, use of the singular includes the plural, use of any gender is deemed to include every gender and any reference to a person includes a corporation, a partnership and any other body or entity, and vice versa.
●Use of the words, includes or including or similar words or phrases means without limitation and the use of these or similar words or phrases shall not limit the meaning of the general words.
●We shall not be liable for any delay or failure to provide our Services or perform any obligation under these Terms if the delay or failure is caused by circumstances beyond our reasonable control.
●Nothing in these Terms is intended to confer on any person any right to enforce any term of these Terms which that person would not have had but for the Contracts (Rights of Third Parties) Act 1999.
●Each of the provisions of these Terms (or part of any provision) is severable. If any such provision is or becomes illegal, invalid or unenforceable in any respect under the law of any jurisdiction that shall not affect the legality, validity or enforceability of the other provisions of these Terms. The provision itself shall apply with the minimum modification necessary to make it legal, valid and enforceable.
●Failure or delay by us in enforcing these Terms shall not be a waiver of that or any other provision of these Terms.
●You may not assign any of your rights or obligations under these Terms.
●You agree that any notices and other communication may be given by us by email or posted on our website and this will comply with any legal requirement for such communications to be in writing. You also agree that any notice or other communication made in such manner will be deemed received by you 24 hours after email or posting.
●To contact us, please email Info@creditscoremaster.com . You can leave us a voice message on the following telephone number: +1 800-426-9956
19. Disputes and applicable law
●These Terms and any dispute or claim arising out of or in connection with them or their subject matter or formation (including non-contractual disputes or claims) shall be governed by and construed in accordance with United State law. The courts will have exclusive jurisdiction to hear and determine or otherwise settle any claim, suit, dispute or action arising out of or in connection with these Terms or their subject matter or a visit to our website or use of our Services.