Website Terms & Conditions


This Website ( is operated by Creditas Financial Solutions Limited and associated subsidiary companies (hereafter referred to as “Creditas”). The company is registered at: Creditas House, 72 Otley Road, Guisley, Leeds LS20 8BN. Creditas Financial Solutions Limited is a company registered in England & Wales, Companies House no. 6366166. Creditas Financial Solutions Limited is authorised and regulated by the Financial Conduct Authority, FRN: 661849.. Use of this website is offered to you, the user, conditionally on your acceptance without modification of these Terms & Conditions. As a user, you agree to comply with them and we recommend that you print a copy of these terms for future use. If you do not agree to these terms of use, please leave the Website immediately, and do not visit, or use the Website.

To contact us, please email or telephone us

There are other terms that may apply to you

These terms of use refer to the following additional terms, which also apply to your use of our site:

  • Our Privacy Policy, which sets out the terms on which we process any personal data we collect from you, or that you provide to us. By using our site, you consent to such processing and you warrant that all data provided by you is accurate.
  • Our Acceptable Use Policy, which sets out the permitted uses and prohibited uses of our site. When using our site, you must comply with this Acceptable Use Policy.

We may suspend or withdraw our site

Our site is made available free of charge.

We do not guarantee that our site, or any content on it, will always be available or be uninterrupted. We may suspend or withdraw or restrict the availability of all or any part of our site for business and operational reasons. We will try to give you reasonable notice of any suspension or withdrawal.

You are also responsible for ensuring that all persons who access our site through your internet connection are aware of these terms of use and other applicable terms and conditions, and that they comply with them.

You must keep your account details safe

If you choose, or you are provided with, a user identification code, password or any other piece of information as part of our security procedures, you must treat such information as confidential. You must not disclose it to any third party.

We have the right to disable any user identification code or password, whether chosen by you or allocated by us, at any time, if in our reasonable opinion you have failed to comply with any of the provisions of these terms of use.

If you know or suspect that anyone other than you knows your user identification code or password, you must promptly notify us.

1. Intellectual Property Rights

1.1 The intellectual property rights (including, but not limited to, copyright, registered designs, trade marks, downloads and database rights) in the contents, information and computer files comprising the Website, or found at the Website, from time to time (“the Contents”) are owned by, or are licensed to, Creditas. Nothing in these terms of use transfers to you any rights of ownership of such intellectual property rights or constitutes a licence to use such intellectual property rights other than to the extent expressly set out in these terms of use. Creditas Financial Solutions Limited is the owner or licensee of all the intellectual property rights on this site and of the material published on it.

1.2 You may copy the Contents for your personal and non-commercial use, as long as you do not remove any product identification, copyright notices or other notices from the Contents, or any copies of them, which you make. You may print off one copy and you may download extracts of any page of this site for personal sue and you may draw the attention of others within your organisation to the content posted on this site.

1.3 You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text. Our status (and that of any identified contributors) as the authors of content on our site must always be acknowledged.

1.4 You must not use any part of the content on our site for commercial purposes without obtaining a licence to do so from us or our licensors.
If you print off, copy or download any part of our site in breach of these terms of use, your right to use our site will cease immediately and you must, at our option, return or destroy any copies of the materials you have made.

1.5 You may not copy, modify, distribute, display, perform, create derivative works from, transfer or sell any information, products or services obtained from Creditas whether printed, audio, visual, radio, electronic, email forwarding, TV, satellite, digital transmission, scanned, Website re-cycled or any other form of material for any commercial purpose, except where agreement is expressly given by Creditas. Those works are protected by copyright laws and treaties around the world. All such rights are reserved.

1.6 The Website and the Contents may contain/display: (i) trademarks that are not owned by Creditas; (ii) devices or logos that are protected by copyrights that are not owned by Creditas (together “Third Party Marks”) Notwithstanding Clause 1.1 Creditas does not make any claim of ownership in relation to any Third-Party Marks. Use of a Third-Party Mark in the Website, the Contents, does not constitute endorsement of the relevant owner of such Third-Party Mark.

1.7 All rights not expressly granted are reserved by Creditas.

1.8 As a condition of this Website, you warrant to Creditas that you will not use this Website for any purpose that is unlawful or prohibited by these Terms of Use.

1.9 Any information found on this Website is intended for guidance only and the information on this site is not intended to amount to advice on which you should rely. Creditas cannot be held accountable for any information that is found to be incorrect at a later date.

1.10 You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of the content on our site.” And add “Although we make reasonable efforts to update the information on our site, we make no representations, warranties or guarantees, whether express or implied, that the content on our site is accurate, complete or up to date.

2. Websites Links

2.1 Creditas may provide links from time to time from the Website to World Wide Web sites operated by third parties (“Third Party Websites”). Links to Third Party Websites are provided for your convenience and reference only. Creditas is not responsible for the management and control of Third-Party Websites and does not necessarily endorse, support or recommend the views expressed in such Third-Party Websites. We have no control over the contents of those sites or resources”

2.2 Creditas is not responsible for the contents of other World Wide Web sites or pages, which provide a link to the Website. Creditas shall have no liability in respect of such other World Wide Web Websites, or pages.

2.3 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.

2.4 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.

2.5 You must not establish a link to our site in any website that is not owned by you.

2.6 Our site must not be framed on any other site, nor may you create a link to any part of our site other than the home page.

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

2.8 The website in which you are linking must comply in all respects with the content standards set out in our Acceptable Use Policy.

2.9 If you wish to link to or make any use of content on our site other than that set out above, please contact:

3. Website Performance & Computer Viruses

3.1 Creditas reserves the right at any time and without further notice, to change the Website and the Contents and/or the terms of use, which apply to the use of the Website.

3.2 Every time you wish to use our site, please check these terms to ensure you understand the terms that apply at that time.

3.3 We may update and change our site from time to time to reflect changes to our products, services, our users’ needs and our business priorities). We will try to give you reasonable notice of any major changes.

3.4 Creditas excludes to the fullest extent permitted by applicable law all liability resulting from access to and/or use of the Website or the Contents or third-party Websites.

3.5 Creditas does not warrant that the operation of, and access to, the Website, the Contents and/or third-party Websites shall be error free or uninterrupted or that any errors in relation to the same shall be corrected.

3.6 The Website and the Contents are provided on an “as is” basis and Creditas excludes to the fullest extent permitted by applicable law: – (i) all implied warranties, implied undertakings, implied representations, and/or implied conditions relating to the Website, the Contents, and/or third party Websites; and (ii) all liability resulting from access and/or use of the Website, the Contents, and/or third party Websites.

3.7 No reliance should be made on any of the statements made within the Website (other than these terms of use and Creditas privacy policy (as set out in Clause 5), the Contents, and/or third-party Websites. Creditas excludes to the fullest extent permitted by law all liability resulting from any such reliance.

3.8 Creditas shall have no liability to you for any indirect loss, special loss, incidental loss, consequential loss or damage, loss of profits, loss of contracts, loss of customers, loss of business opportunities, loss of employees, loss of data, loss of goodwill, loss of revenue, loss resulting from a work stoppage, and/or losses from a failure to realise anticipated savings, (in each case) to the extent arising from your access to use of, or your inability to access and/or use, the Website, the Contents, and/or third party Websites.

3.9 Creditas will use reasonable endeavours to ensure that the Website and/or the Contents do not contain or spread any viruses or other malicious code. We do not guarantee that our site will be secure or free from bugs or viruses.

3.8 You are responsible for configuring your information technology, computer programmes and platform to access our site. You should use your own virus protection software.

3.10 You must not misuse our site by knowingly introducing viruses, trojans, worms, logic bombs or other material that 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.

3.11 You must not attack our site via a denial-of-service attack or a distributed denial-of service attack. 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.

3.12 Creditas excludes to the fullest extent permitted by applicable law all liability in connection with any damage or loss caused by computer viruses or other malicious code originating, or contracted, from the Website, the Contents, and/or any third-party Websites.

3.13 Whenever you make use of a feature that allows you to upload content to our site, or to contact other users of our site, you must comply with the content standards set out in our Acceptable Use Policy.

3.14 You warrant that any such contribution does comply with those standards, and you will be liable to us and indemnify us for any breach of that warranty. This means you will be responsible for any loss or damage we suffer as a result of your breach of warranty.

3.15 Any content you upload to our site will be considered non-confidential and non-proprietary. You retain all of your ownership rights in your content, but you are required to grant us [and other users of our site] a limited licence to use, store and copy that content and to distribute and make it available to third parties.

3.16 We also have the right to disclose your identity to any third party who is claiming that any content posted or uploaded by you to our site constitutes a violation of their intellectual property rights, or of their right to privacy.

3.17 We have the right to remove any posting you make on our site if, in our opinion, your post does not comply with the content standards set out in our Acceptable Use Policy.

3.18 You are solely responsible for securing and backing up your content.

4. Indemnity Clause

4.1 You hereby indemnify Creditas on demand against all loss, damage, liability and/or expense (including, but not limited to reasonable legal costs and disbursements) incurred or suffered by Creditas to the extent arising from either: (i) your breach of these terms of use; (ii) your use of the Website and the Contents. The foregoing provisions of this Clause 4 shall not apply to the extent any such loss, damage, liability or expense arises as a result of Creditas’ breach of these Terms of Use.

Our responsibility for loss or damage suffered by you

4.2 Whether you are a consumer or a business user:

  • We do not exclude or limit in any way our liability to you where it would be unlawful to do so. This includes liability for death or personal injury caused by our negligence or the negligence of our employees, agents or subcontractors and for fraud or fraudulent misrepresentation.
  • Different limitations and exclusions of liability will apply to liability arising as a result of the supply of any products to you, which will be set out in our Terms and conditions of supply.

4.3 If you are a business user:

  • We exclude all implied conditions, warranties, representations or other terms that may apply to our site or any content on it.
  • We will not be liable to you 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, or inability to use, our site; or
  • use of or reliance on any content displayed on our site.
  • In particular, we will not be liable for:
  • loss of profits, sales, business, or revenue;
  • business interruption;
  • loss of anticipated savings;
  • loss of business opportunity, goodwill or reputation; or
  • any indirect or consequential loss or damage.

4.4 If you are a consumer user:

  • Please note that we only provide our site for domestic and private use. You agree not to use our site for any commercial or business purposes, and we have no liability to you for any loss of profit, loss of business, business interruption, or loss of business opportunity.
  • If defective digital content that we have supplied, damages a device or digital content belonging to you and this is caused by our failure to use reasonable care and skill, we will either repair the damage or pay you compensation.

5. Privacy Policy & General Data Protection Regulation 2018

5.1 At Creditas, we are highly mindful of the need to respect your personal information. Please see our Privacy Policy for further details.

5.2 Under the General Data Protection Regulation, you may request details of personal information we hold about you, or alternatively you may wish to be removed from our mailing lists. In both events, please send such requests to:

In Writing:
Creditas Financial Solutions Ltd,
72 Otley Road, Guiseley, Leeds LS20 8BN

By email:

6. Applicable Law

6.1 The Website originates from, and is maintained in, the United Kingdom. England & Wales. Creditas makes no representations regarding the legality of access to or use of the Website and the Contents from/in other countries. Any export or use of the Contents by you must be in compliance with all UK export laws and regulations in effect at the time of such export or use and is limited as described above in Clause 1 (Intellectual Property Rights) of these Terms of Use.

6.2 If you are accessing the Website from outside the United Kingdom then you do so at your own risk. You are responsible for compliance with any applicable laws of the country from which you are accessing the Website.

6.3 These terms of use shall be governed by and construed in accordance with the laws of England & Wales. The English and Welsh courts shall determine any disputes relating to your access to and use of the Website.

6.4 You and we both agree that the courts of England and Wales will have exclusive jurisdiction except that if you are a resident of Northern Ireland you may also bring proceedings in Northern Ireland, and if you are resident of Scotland, you may also bring proceedings in Scotland. f you are a business, these terms of use, their subject matter and their formation (and any non-contractual disputes or claims) are governed by English law. We both agree to the exclusive jurisdiction of the courts of England and Wales.”

7. Severability

7.1 If any court of competent jurisdiction finds any provision of these terms of use to be void or unenforceable for any reason, such provision shall be ineffective to the extent of the courts finding without affecting the validity and enforceability of any remaining provisions. If you have any questions about the terms of use, please use the contact us section of this website.