CREDITGATE - TERMS & CONDITIONS OF USE
Your use of this Website is subject to these Terms, the terms set out within
should read these Terms and
explain our terms of business and what we may do with information provided
by you through your use of this Site.
CONDITIONS OF USE
1.1 We grant to you, subject to these Terms, a non-exclusive, non-assignable
licence to access and use the Services and Data in accordance with these Terms.
Your Service type, will be specified within your Online Account.
1.3 This agreement will continue for the term specified within your Online Account and, in
the absence of any such term, may be terminated by either of us giving Notice
1.4 You may only use the Services and the Data for your own business purposes,
the purposes specified within your Online Account and in accordance
1.5 We or our licensors own the Intellectual Property Rights in the Website
Data. You may only use the Website in order to access and use the Data for
purposes permitted within your Online Account and these Terms. The
the Website may not be reproduced, disclosed, distributed or transferred to
person in any manner without our permission. Any copy of any part of the Website
that you make must retain any copyright notice shown on the original. You
display the contents of the Website or any Data in a frame surrounded by other
material not originated by us or otherwise commercially exploit the Website
1.6 The ‘creditgate’ trademark is owned by us. Other product and
appearing on the Website or in Data may be the trade marks or registered trade
marks of their respective owners and should not be reproduced or copied without
the owner’s permission.
1.7 You must keep any user identification issued by us and your account codes
passwords confidential. You are responsible for and accept liability for any
the Website by you or anyone else using your user identification or password.
1.8 You will keep all Data secure and confidential and will not disclose, transfer,
distribute or re-sell the Data or any part thereof except to a Group Company
you will be responsible for ensuring that any such Group Company complies with
1.9 We may from time to time on reasonable notice upgrade or modify the mode
access to the Services and/ or change the form and content of the Services
we reasonably consider it necessary as a result of any change in Applicable
Regulations, we may cease to supply all or part of the Data.
1.10 The provisions of the Electronic Commerce (EC Directive) Regulations 2002
not apply to this agreement if you are using the Site in the course of your
1.11 If a user is registered for "Mobile Services", it is their
full responsibility to
ensure that their mobile phone is kept secure to prevent unauthorised access
to their account. If a user's mobile phone is lost, stolen or re-allocated
to another user, they (or their System Administrator) must immediatley turn
the Mobile Services option within their website account and notify
us by email. We exclude any responsibility or liability for charges incurred
from a mobile phone.
2. PRICE AND PAYMENT
2.1 You will pay us for your use of the Services at the times, in the manner
and at the
prices specified within your Online Account or as otherwise agreed. VAT will
payable in addition to the amount specified. Prices may be varied on Notice.
For Contract Customers, this will commence after the Initial Term.
Invoices are payable within 30 days of receipt unless otherwise specified within
subscribing to Contract Discount Prices must commit at least their
minimum annual spend for the contract year, with any shortfall being invoiced
at the end of the contract year. Any outstanding SMS charges will be billed at
the end of each month.
3. DATA PROTECTION AND PERSONAL DATA
3.1 Before using any Service (other than a search under Section 29 of the
Protection Act 1998) to obtain Personal Data, you must first obtain the
consent of that
person and, where the use of the Service relates to a consumer credit application
agreement, notify him or her in writing that the information which he or
she gives to
(a) may be disclosed to a credit reference agency, which may keep a record
that information; and
(b) that we may disclose that information, and the fact that a credit search
made, to our other customers for the purposes of assessing the risk of
credit, to prevent fraud and to trace debtors. You will, on request, give
us a copy, or transcript, of the notification that you use.
3.2 To the extent that you are able to do so, you grant us a perpetual,
royalty free right to
keep a record of the information referred to in paragraph 3.1(a) for the
referred to in paragraph
3.3 You may only use the search type or types and type codes that we specify
we may change from time to time on reasonable notice.
3.4 In your use of the Services and the Data, you will comply with all
Regulations. In particular, but without limitation, you will ensure that:
3.4.1 any use by you of data from the full electoral roll is for a purpose
under regulation 114 of the Representation of the People (England and Wales)
Regulations 2001; and
3.4.2 you process Personal Data in accordance with the Business
Requirements Specification (a copy of which we will supply to you on request).
You will indemnify us against all costs (including legal costs), claims,
damages, demands and expenses arising directly or indirectly out of any
claim by a third party
which arises in connection with your breach of this Clause.
3.5 Any Data containing Personal Data must be destroyed when it is no longer
necessary for you to retain it.
4. INTELLECTUAL PROPERTY
4.1 No intellectual
property rights in the Services, the Data or the content of the Site are
transferred or licensed to you except the right to use the Data for the
specified within your Online Account.
4.2 We will indemnify you against any liability (including reasonable costs)
that you may
incur in respect of your use of the Services (in accordance with these
infringes any intellectual property right of a third party in the United
provided that you: (a) promptly notify us of such claim; (b) give us the
sole conduct of the defence and settlement of such claim and at no time
admit liability without our
prior written consent (which will not be unreasonably withheld); and (c)
accordance with our reasonable instructions and give us any assistance
may reasonably require to defend or settle the claim.
4.3 If your use of the Services in accordance with these Terms infringes
property right of a third party in the United Kingdom, we may procure a
right for you
to continue to use the Services or modify or replace the Services so as
to avoid the
infringement provided that the performance of Services, as modified or
not materially adversely affected. If, having used our reasonable endeavours,
has not been achieved, we may terminate your use of the Services immediately
and, except as set out in clause 4.2, we will have no liability to you.
5.1 You warrant to us that:
5.1.1 the information provided by you in registering for use of the Website
all respects accurate and up to date and that you will immediately notify
us of any changes as soon as they occur;
5.1.2 only authorised employees or agents will be given customer identification
numbers and access passwords to the Website; and
5.1.3 you are acting for the purposes of a business and not as a consumer.
5.2 We will use reasonable care and skill in providing the Services to
6. SUSPENSION OR TERMINATION
We may suspend or terminate your use of the Services if:
(i) you fail to pay for the Services on the due date;
(ii) you commit a material breach of these Terms which, if capable of
remedy, is not remedied within 15 days of us giving you notice of
the breach and requiring its remedy; or
(iii) you are adjudicated bankrupt, convene a meeting of creditors; a
proposal is made in relation to you for a voluntary arrangement
under Part 1 of the Insolvency Act 1986, a proposal is made for any
other composition, scheme or arrangement with (or assignment for
the benefit of) your creditors; you are unable to pay your debts within the
meaning of Section 123 of the Insolvency Act 1986; a trustee receiver administrative
receiver or similar officer is
appointed in respect of all or any part of your assets or a meeting is
convened for the purpose of considering a resolution or other steps
are taken for the winding up of you or for the making of an administration
order in relation to you (otherwise than for the purpose of an amalgamation
7.1 We give no warranty that your use of the Services will be uninterrupted
error-free and, in particular, because most of the Data is provided to
third parties, we will not be liable for any loss or damage arising from
inaccuracies, faults or omissions in or in the provision of the Data unless
caused by our negligence or wilful default.
7.2 Our entire liability in respect of any single cause of action arising
out of or in
connection with your use of the Data (whether for breach of contract, in
negligence or any other tort, under statute or otherwise at all) will be
to the extent that the cause of action relates to the Data, at our option,
supplying the relevant Data again; or (ii) repaying to you the amount you
in respect of the relevant Data.
7.3 Our total liability in any period of 12 months in relation to your
use of the
Services and/or the Data will be limited to the total amount paid to us
in respect of your use of Services in the 12 month period immediately
preceding the date on which the cause of action arose.
7.4 We will not be liable to you for any indirect or consequential loss
or any loss of opportunity, business, profit, reputation or goodwill arising
of your use of the Services and/or the Data.
7.5 Nothing in this clause will limit or exclude our liability for fraud
or for death or
personal injury arising from our negligence.
7.6 We exclude any liability for the non-availability of this Site or any
action of a third party such as hacking or the introduction of any virus
contaminant or denial of service attack arising from circumstances beyond
our reasonable control.
7.7 You will indemnify us against all costs (including legal costs), claims,
damages, demands and expenses arising directly or indirectly out of any
claim by a third party which arises as a result of your use of the Services
the Data, unless caused by our negligence.
8.1 If any part of the Terms is determined invalid, unlawful or unenforceable
extent then such term, condition or provision or part will be severed from
remaining Terms which will continue to be valid and enforceable to the
permitted by law.
8.2 We will give you Notice of any changes to these Terms by publishing
and the revised Terms on the Site. By continuing to use the Services thereafter
agree to be bound by any such changes.
8.3 These Terms set out the entire agreement between you and us in connection
your use of the Services and the Data and supersede any representation
agreement previously made or entered into between us in that respect. Except
expressly set out in these Terms and the within
your Online Account, all conditions
warranties and terms expressed or implied and whether statutory or otherwise
are excluded to the extent permitted by law.
8.4 No cause of action will arise if the performance of the relevant obligation
prevented or delayed, or accrual of any liability on the part of either
occasioned, as the case may be, by any event beyond the control of that
including any of the following: act of God, governmental act, war, fire,
flood or other
natural disaster, explosion or civil commotion, failure in information
telecommunications services, failure of a third party (including failure
to supply data)
and industrial action.
8.5 You will not assign, sub-license or otherwise transfer your rights
8.6 You will keep the terms of your Online Account confidential.
8.7 No person other than you or us has any right under the Contract (Rights
Parties) Act 1999 to enforce any of these Terms.
8.8 These Terms and your use of the Services and the Data will be governed
interpreted in accordance with English law and you submit to the jurisdiction
English courts. However, we reserve the right to bring a claim against
you in your
8.9 Delivery - Our reports are delivered instantly online.
8.10 Refunds / Cancellations - Any requests for refunds or cancellations should be made by email or in writing within 7 days of purchase.
9. DEFINITIONS AND INTERPRETATION
9.1 The following expressions have the following meanings:
“Online Account” - means the account information we hold electronically
on you within your website account, originating from the online form completed
by you during the registration process.
“Applicable Regulations” - means the Consumer Credit Act 1974, the
Data Protection Act 1998, the Representation
of the Peoples (England and Wales)
Regulations 2001, regulations made by the
Standing Committee on Reciprocity and any
other applicable law, regulation or code
“Data” - means the data we provide to you in
providing the Services specified within your Online Account
“Group Company” - means any subsidiary or holding company, or
subsidiary of a holding company (as those
terms are defined in the Companies Act
“Terms” - means these terms and conditions
“Initial Term” - means the initial period of the agreement
between us specified within your Online Account
“Intellectual Property Rights” - means all intellectual and industrial
rights anywhere in the world, including,
without limitation, any invention, patent,
design or utility model rights, any copyright
and trade marks, service marks, database
rights, topography rights, commercial or
confidential information, know-how or trade secrets, and any other rights of
nature whether or not registered, and the
right to apply for any of them
“Notice” - means notice in writing (including email or
notification on the Website) of not less than
the 30 days
“Personal Data” - has the meaning given to it in the Data
Protection Act 1998
“Services” - means the provision of Data via this Website
“Website” and or “Site” - means the creditgate website
www.creditgate.com (or such other URL as we may specify from time to time)
“we” - means Companiesgate Limited t/a Creditgate whose office is at
2nd Floor, 4 Keswick Grange, Leeds, LS17 9BX and our, us
and ours will be
“you” - means the person who has registered to use
the Website where a) he or she is a sole
trader or, b) where he or she is an employee
of a corporate body, partnership or non-limited businesses, both that
person and his or her employer, in each case
acting for business purposes and “your” will
be construed accordingly
9.2 In these Terms: a) The headings are for convenience only and will not affect
construction or interpretation; b) Unless the context requires otherwise, words
importing the singular will include the plural and vice versa; c) Unless the
requires otherwise, references to any person will include references to any
being, company, body corporate, association, joint venture, partnership, trust
any entity capable of suing and being sued; d) A reference to any statute includes
references to that statute as from time to time amended, consolidated or re-enacted
and all rules, regulations, statutory instruments or orders made under it;
and e)" Including" will be understood to mean "including without
limitation" and "includes"will be understood to mean "includes
10. AFFILIATE SCHEME
10.1 These are the terms and conditions that apply to your participation
the Creditgate "Creditgate" affiliate scheme, either as an individual
For convenience, "we", "us" and "our" means Creditgate
and "you" and "your" refers
to you the applicant
applying to join the Affiliate Scheme.
10.2 Joining the Affiliate Scheme -
For enrolment into the Affiliate Scheme, you need to apply to us directly.
We will evaluate your application in good faith and will notify you of your
acceptance or rejection. We may reject your application at
our sole discretion.
10.3. Links on Your Site -
This agreement allows you a revocable, non-exclusive, licence for the term
of the Agreement, for the purpose of referrals from your site to our Web
site, to use products, images and links to our Web site. You must use the
graphical links generated by us, and are not allowed to alter the image banners
in any way. The text of Text Links may be altered so long as the text is in
way detrimental to the reputation of Creditgate. You may also alter
the linking format in order to link to different pages within our Web site;
however you do this at your own risk as incorrectly composed links may not
register click through's correctly.
To allow us to accurately report this information to you and to accrue referral
fees, you must use the link format specified by us. We will not be liable for
any fees on sales made, which are not correctly tracked because the links from
your site are not in the proper format.
10.4 Marketing Code - Referrals can also be made
by passing on your allocated "Affiliate Code" to potential customers.
For this referral to be valid, the code must be entered by the customer in
field during the registration process. We will not be liable for
any fees on sales made, which are not correctly tracked because the Marketing
Code was not entered correctly.
10.5 Ordering Process -
It is our responsibility to take and process order from customers who follow
special links from your site to ours or enter a valid marketing code. We have
the right to reject orders at our own discretion and subject to our own credit
for all aspects of order fulfillment and processing including customer service.
track the orders generated from links from your Site and from Marketing Code
entries and provide data on this to you, including referral fees due to you.
10.6 Referral Fees -
We will pay you referral fees on sales of specified products at 10%. For a
product sale to generate a referral fee, the customer must follow a special
specified by us) from your site to our Web site or enter your Marketing Code
during the registration field; purchase the product on our Web site using our
ordering system; accept delivery of the
full payment to Creditgate. The Affiliate Scheme is intended for third
party use only and you may not buy products through the Affiliate Scheme for
your own use. You will earn referral fees based on the actual selling price
of products. The selling price excludes any discount that may be provided to
and VAT. Fees will be paid on a quarterly basis, and will be paid
by cheque roughly one calendar month after the end of the calendar quarter
fees are less than £10, then the amount will be held over until the following
10.7 Customers -
Customers who buy products through this affiliate scheme are customers of Creditgate.
This means we are responsible for all aspects of fulfillment and customer
service. It also means that Creditgate standard rules, terms and procedures
apply to the transaction, and the prices are those of Creditgate.
10.8 Responsibility for Your Site -
You are responsible for your Web Site and for all content on your site. This
• Display of products, descriptions and the maintenance of links to the
Creditgate Web Site in the correct format.
• Non - violation of the personal or property rights of third parties (e.g.
copyright, trademarks, privacy, libel)
• Maintaining the legality of your own site
• Maintenance of the accuracy of all content, including product information.
Creditgate disclaims any responsibility or liability for such matters.
10.9 Term of the Agreement -
This Agreement starts with our acceptance of your application to become an
affiliate. Either party may terminate at any time. You will then be eligible
for fees accrued during the term of the agreement. We may change any of the
terms of this Agreement by posting a new Agreement on our Web Site or notifying
you directly. If you find a change is unacceptable, then your remedy is
to terminate this agreement.
10.10 Limitation of Liability -
We will not be liable for any amount in excess of the total referral
fees paid to you or payable to you. We will not be liable for
any consequential losses, punitive damages or additional expenses.
10.11 Disclaimers -
We nor our suppliers make any representations or warranties
about the accuracy, suitability or completeness of:
• The information continued in the documents and graphics published on
this site: or
• Any of the products of whatever nature which appear on this Site, and
which may appear on your Site under the terms of the Affiliate Scheme.