These Terms set out our agreement with you about the use of
our Services and our website www.clearscore.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accept liability for any errors or omissions or for the content becoming out of date.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 Clear
Score Technology Limited 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 Clear Score Technology
Limited, which is authorised and regulated by the Financial Conduct Authority. Clear Score
Technology Limited is a limited company registered in England and Wales under company number
09221862. Our registered office is at 47 Durham Street, London, SE11 5JA, UK. You
can check our registration on the Financial Services Register by visiting
www.fca.org.uk/register or by contacting the FCA on 0800 111 6768 (freephone) or 0300 500 8082
or by emailing [email protected]
Our permitted business includes Credit Information
Services and Credit Broking. We will promptly advise you if at any time our authorisation is
removed or suspended. Our data controller registration number is ZA100119 and you can check our
registration on the Data Protection Public Register by visiting https://www.ico.org.uk/esdwebpages/search
Your contractual relationship in relation to our website
and our Services is at all times with Clear Score Technology Limited 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.
3. ClearScore services
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
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
Using your credit information and any other data you
provide or make available to us for the purposes set out in these Terms, including our Privacy
, (together our “Services”).
Certain parts of our Services are supplied to us by our
third party service providers such as Credit Reference Agencies. To undertake ID validation and
to provide our Services we need to share information collected from you with our service
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
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
(I) Capital One: https://www.capitalone.co.uk/creditcards/quotation-ts-and-cs.jsf
(II) HD Decisions:
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
Before you can use our Services you must register through
our website. During this process you have the opportunity to review and receive a copy of these
and Cookies Policy
, and by registering for an
account you confirm your acceptance of them. We will send you a welcome email with links to
these Terms for acknowledgment purposes so that you know we have received your application.
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
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
UK 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 UK,
our website is intended for UK residents only. IF YOU CHOOSE TO ACCESS OUR WEBSITE FROM A
LOCATION OUTSIDE OF THE UK, 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
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
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
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 co-operate 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 UK 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
Promote sexually explicit material, violence or any illegal
Promote discrimination based on race, sex, religion,
nationality, disability, sexual orientation or age;
Infringe any copyright, database right or trade mark of any
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
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
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, trade marks 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.
You licence us to use any information, data, materials or
other content (collectively “Content”) you provide to us through our website or that we obtain
on your behalf as part of the services we provide (such as your credit information) and you
agree that we can use, modify, display, distribute and create new material using the Content so
that we may provide our Services to you and for any other purposes set out in these Terms,
including our Privacy
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
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
12. Limitation of our
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 £100.
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
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
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
Terms. By using our website or our Services you consent and agree to the processing of your
. To access our Cookies
Policy, click here
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
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
) constitute the whole agreement and understanding between you and us in relation
to their subject matter and the use of our website and our Services. Except in case of fraud,
all previous agreements, understandings, undertakings, representations, warranties, promises and
arrangements between you and us relating to the subject matter of these Terms or your use of our
website or our Services are superseded, except as otherwise expressly stated in 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.
18. Contact us
To contact us, please email [email protected]
. You can leave us a voice
message on the following telephone number: 0207 582 8212
19. Disputes and
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 English law. The English 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.