Crunch Your Credit Terms & Conditions

Your Acceptance: By accessing any page of this website, you signify your agreement to and acceptance of the policies, terms and conditions described below.

Service   Security   Privacy   Advice   Jurisdiction
Copyright   Payment   Business Information   Additional Conditions

Service: This website including protected areas contained herein is designed to provide a comprehensive combination of carefully researched and collated information on the the subjects of credit scoring systems, credit reference files, removal of adverse credit entries and other related subject matter.

Security: Our on line credit card billing processors are PayPal, one of the world's largest companies who process millions of pounds worth of sales every week.  They use a very advanced secure server system so that you, as a consumer, can subscribe online with complete confidence.  PayPal's website is at www.paypal.com.

Privacy policy: Your online experience and right to privacy are of the highest importance to us.  We want you to feel completely comfortable and secure using our services.  The only personal information that is collected by our website is information required by the credit card company and the billing processor.  This data is not stored by us - it is simply transferred through secure servers to the credit card company, (or bank in the case of on-line checks), which uses the personal information (Name address Zip/ post code and card details) to verify and approve payment.  Your email address will NEVER be sold, released or otherwise shared with ANY third party.  We only use your email address to send you a receipt or decline notice, for after sales service and/or to notify you about other Crunch Your Credit products.  You can 'opt out'.  See also here.

This website and other services relating to it including but not limited to voice hotline, free newsletter, and fax services are designed to provide a comprehensive combination of carefully researched and collated information on the the subjects of credit scoring systems, credit reference files, removal of adverse credit entries and other related subject matter.  The Crunch Your Credit system has been produced to save you the task of researching, collating and deciphering information which may lie in many various locations in the public domain.  The works are copyright to the author and form and any charges relating to the guide are for the author's copyrighted works as presented.  Whilst every reasonable care and attention is given to providing correct information and/ or comment the reader warrants that by accessing and/ or reading and/ or listening to the information within this site and/ or related services, such information and/ or comment received is accepted to be that of the author's opinion only.  Where access is granted to the reader it is granted without any warranty whatsoever, implied or otherwise.  In addition the reader warrants and accepts by the action of accessing, reading or listening to the information that the owners, author(s) and/ or administrators of the website are not engaged in the business of giving any financial planning advice, credit repair services, debt management consultations, debt management services or advice, or any professional, legal, or investment services, simply that they are engaged in providing the author's works only.

Advice: You are strongly advised to seek professional advice from registered and/ or qualified and/ or licensed service providers for these types of services.  The reader further warrants and agrees unconditionally to hold the website owners and/ or author and/ or administrators harmless in respect of any loss, direct or consequential, arising from the use of any information supplied by way of this website or any other services advertised within it including fax and voice hotlines.  The reader warrants and accepts that the guide is delivered on line by way of any password and username access to a secure part of a hosted website where the works are held and accepts that any box-shots or other images displayed on the website are not representative of a physical product and are shown for cosmetic purposes only.  The online method of delivery is chosen so that the content can be kept up to date and so that delivery can be immediate.  Also, It is more environmentally friendly especially considering that the internet provides all the means to deliver the works instantly without the need for using bulk printing methods.  Furthermore the reader agrees that the website owners and/ or administrators and/ or third-party providers make no representations about the suitability of the services or information contained on this website and/ or other related services, for any purpose.

Furthermore the reader warrants and accepts that the information supplied by way of this website may not be error-free, virus-free or interruption free and that updates and/ or continuous access is not guaranteed in any way, and that inclusion of any advertising or link to any other website does not constitute any form of endorsement or approval of such advertiser or linked-to website.  The reader further warrants and accepts that the website owners administrators and/ or third party providers reserve the right to alter, change or modify these terms and conditions at any time without notice and that use of the website will be governed by any such terms at the time of use.  The reader further warrants and accepts that any password and or username issued to the reader is for personal use of the reader only and that any irresponsible use of any password or username including but not limited to sharing, posting, copying, broadcasting, making public, or otherwise breaching of security is prohibited - such actions may constitute fraud and will be fully investigated.  The reader agrees unconditionally not to damage, interfere with disrupt access to, obtain or attempt to obtain unauthorized access to or otherwise improperly use the website and/ or any other related services and/ or computer systems or areas of third party providers computer systems that are restricted - such attempts shall constitute a criminal activity under the Computer Misuse Act and will be investigated by law enforcement authorities.

Jurisdiction: The reader warrants and accepts that these terms and agreements are regulated under United Kingdom law and that if any part of these terms and conditions are deemed to be invalid, then such part shall be substituted with a valid provision which shall have the same meaning, and that the entire agreement shall remain valid notwithstanding any such invalid part.  For jurisdictions outside of the United Kingdom, if any parts of this agreement are deemed to be invalid, then such part shall be substituted with a valid provision which shall have the same meaning and be valid in the jurisdiction concerned, and that the entire agreement shall remain valid notwithstanding any such invalid part.  For such jurisdictions outside of the United Kingdom, International Law shall take precedent.  All copyrights, trademarks, service marks, images, and logo's are the respective property of their holders.  Testimonials may be representations or may be edited, or amended.  Readers expressly agree to and as part of accepting these terms and conditions give permission for the website administrators to use any comments as testimonials or endorsements, if deemed by the website administrators to be suitable.

Copyright: This page and every page contained in this site are copyright © 2011 Crunch Your Credit Ltd.  Reproduction of any part of this website is strictly prohibited.  NO part of the normally displayed text or graphics, including but not limited to keywords, page text and HTML or other code not normally displayed on this site may be reproduced or transmitted in any form or by any means, electronic or mechanical, including by photocopying, facsimile transmission, recording, re-keying, scanning, or yet non-invented means, or by using any information storage and retrieval system.  All text is intellectual property and is copyrighted.  Where a civil claim may prevail, this page and each page contained has a retail value of five hundred thousand British Pounds Sterling or equivalent in an alternative currency.  No portion of this site may be used or redistributed for commercial purposes.  Utilization of resources from this site and associated server (such as cgi programs, SMTP resources (email), and others) shall carry a fee of one hundred thousand British pounds sterling or equivalent in an alternative currency per single use.  Theft and/ or attempted theft of any part of this website will result in serious consequences.  Under UK legislation, infringement (or attempted infringement) of copyright provides for unlimited recourse in civil damages and is also a criminal act which carries a prison sentence of up to 10 years.  The legislation provides for in depth (without notice) pre-trial investigations by Trading Standards, HM Customs and Excise, Inland Revenue and the Police, including but not limited to swift issuance of search warrants, arrest warrants, seizure of assets, and the freezing of bank and merchant accounts. We prosecute thieves to the fullest extent of the law and with full co-operation of law-enforcement authorities.

Payment: In the case of on-line billings made with PayPal outside the UK, the subscriber warrants and accepts that the billing amount actually charged is the UK Sterling amount stated and that the eventual charge on any non-UK credit card may slightly differ by a small amount to the advertised UK currency subscription amount, due to exchange rate fluctuations which are outside of the control of the website administrators, owners, and billing company and that exchange rate fluctuations may also mean that any refund may also slightly differ to the subscription amount.  The reader also agrees that the author(s), and/ or website administrators reserves the right to release or not to release any content to any individual at his/ her sole discretion, reserves the right to terminate any subscription or access by way of a full refund at any time without giving notice reason or cause, and that the website administrators reserve the right to amend, repeat or extend special offers that may or may not be in force at any given time.

Business Information: Under the Business Names Act 1985 compliance disclosure: Business Name(s): Crunch Your Credit.  Ownership details here.  Under the UK Distance Selling Regulations 2003 the products released from this website is classed as a periodical and/ or unsealed computer program.  Whilst every care is taken to update information on this site and related services, readers are reminded that some types of information, especially contact information, and special offers by, for example, banks and credit card companies can change beyond our control; accordingly readers are advised to check independently.  The website owners and administrators are not affiliated to, or connected to, or act as brokers in any way to any lenders or other business that maybe be detailed anywhere in the site.

Additional Conditions: It is a condition of purchase that the Purchase Disclaimer and Fair Use Policy are accepted by the purchaser.

 

 

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