Equifax Terms and Conditions

Which terms and conditions apply when I use Equifax's online services.

I purchased this product myself

Equifax Terms and Conditions

1. Definitions
1. When the following words, in bold and with capital letters, are used in these Terms, this is what they will mean:

Credit File: the information we hold about you, which we describe in more detail in the "Your Credit File" section at paragraph 4 below;

Products: the Equifax products you may purchase from us and which are listed at paragraph 6 below as well as any other products you have purchased from us where we told you that these Terms apply;

Terms: the terms and conditions set out in this document.
2. References to "we", "us" and "our" in these Terms are to Equifax Limited. References to "you" and "your" are references to you, the person who purchases one of our Products.
2. Your contract with Equifax
1. These are the Terms on which we supply our Products to you.
2. When you purchase one of our Products, you are agreeing to these Terms which form a binding contract between you and us. We recommend that you keep a record of these Terms for your future reference.
3. Please read these Terms carefully as they contain legal rights and obligations. In particular, your attention is drawn to paragraph 16 below "Our liability to you".
4. Once you have purchased a Product, it is important that you keep your contact details up to date in the "My Accounts" section of our website, in case we need to contact you in relation to any Product you have purchased or to notify you of any changes to these Terms. Changes to these Terms will take effect as indicated in any notifications we send to you from time to time, as set out in paragraph 19 below.
3. About Equifax
1. We are Equifax Limited, a company registered in England and Wales under registered company number 2425920 with our registered office at Capital House, 25 Chapel Street, London NW1 5DS.
2. We are authorised and regulated by the Financial Conduct Authority. Our registration details can be found on the Financial Services Register available on the Financial Conduct Authority’s website, https://www.fca.org.uk/register.
3. You may contact us by post by writing to the Equifax Credit File Advice Centre, P.O. Box 10036, Leicester, LE3 4FS or by any of the other methods described in the “Contact Us” section of our website available here Contact Us.
4. Your Credit File
1. We hold information about you which is used by lenders and other companies to make decisions about (for example) whether they will offer you credit or not. This information is your "Credit File".
2. Your Credit File includes information used to verify your identity, which may be collected from public sources such as the electoral roll.
3. Your Credit File also includes information relating to your financial standing, which we may have received from companies with whom you have a current or historic relationship, such as banks, telecoms providers and utility companies.
4. Accessing your Credit File will allow you to view the information that third parties such as lenders may see about you and review your financial commitments.
5. We provide you with a copy of your Credit File as part of all our Products, which are listed at paragraph 6 below.
6. You also have a statutory right to a copy of your Credit File, and we can provide you with access here: Online Statutory Report.
7. In order to fulfil your request for your Credit File, we will complete a search of our consumer database. A record of this search will be visible on your Credit File for 12 months. The search will not be visible to other companies who may access your Credit File during this period.
5. The Accuracy of Your Credit File
1. We will use reasonable skill and care in:
  1. Providing the services to you under these Terms;
  2. Performing a number of checks to try to validate the information we receive from third parties;
  3. Adding that information to your Credit File within a reasonable time; and
  4. Generating your credit score and applying the searches we perform correctly.
2. As your Credit File is principally comprised of information collected from third parties, for example as described at paragraphs 4.2 and 4.3 above, we have very limited control over whether the information provided to us by third parties is accurate, complete and up to date. This means that despite our obligations in paragraph 5.1, we do not assure you that the content of your Credit File will be accurate, complete or up-to-date.
3. If you consider that any entry in your Credit File is incorrect, you have a statutory right to request that the entry is amended or removed. If your query relates to a specific account, we suggest you speak to the account provider in the first instance. However if you would like us to raise the query with the account provider for you, please contact us with details of the entry that you consider to be incorrect and we will assist you in amending or removing the incorrect entry.
4. If, following a review of your request and by reference to the appropriate third party, we confirm that an entry is correct, we will not take steps to amend or remove it and we will let you know.
6. Our Products
1. We offer the following Products:
Equifax Credit Report and Score
  • Unlimited online access to your credit score.
  • Unlimited online access to your Credit File.
  • Weekly alerts whenever there are changes to your Credit File
  • Access to WebDetect, which alerts you if we find your financial details are shared on websites used by fraudsters.
  • Access to our dedicated Customer Care team.
For more information on this product please click here Equifax Report and Score
Equifax Credit Report
  • Unlimited online access to your Credit File.
  • Weekly alerts whenever there are changes to your Credit File
  • Access to WebDetect, which alerts you if we find your financial details are shared on websites used by fraudsters.
  • Access to our dedicated Customer Care team.
For more information on this product please click here Equifax Credit Report
Equifax Identity Watch Pro
  • Unlimited online access to your Credit File and credit score.
  • Daily alerts whenever there are changes to your Credit File.
  • Access to WebDetect, which alerts you if we find your financial details are shared on websites used by fraudsters.
  • Access to Social Scan, which summarizes the publically available information about you on social media sites, and shows the identity theft risk associated with making this information publically available.
  • Access to our dedicated Customer Care team.
For more information on this product please click here Equifax Identity Watch Pro
Statutory Credit Report – Online Version
  • Online access to a snapshot of your Credit File, and access to our dedicated Customer Care team.
For more information on this product please click here Online Statutory Report. The paper version of the Statutory Credit Report is subject to separately published terms.
2. Our Products may be available on a regular subscription or one off basis, see the product descriptions listed in paragraph 6 for more information.
7. Registration
1. To order a Product, you will need to complete the Product registration form on our website. You can access the applicable form by clicking on the link against the Product you wish to purchase at paragraph 6 above, and then follow the instructions to purchase the Product.
2. Our Products are only available to residents of the UK.
3. If we accept your order for a Product, we will send you an automatic e-mail confirmation of acceptance to the e-mail address you provide to us during the registration process.
4. To access our Products, you will need to create a username and password. You agree to keep confidential the password and any other login details you use to access our Products and not to disclose such passwords and other login details to anyone else. If you know or suspect that someone else has your login details and password you must contact us immediately and change your password. We will not be responsible for any activity performed using your login details unless we have acted negligently or in breach of these Terms.
5. If you input any incorrect information during the registration process, please contact us to let us know as soon as possible and we will correct the error. Contact Us.
8. Price and payment
1. To purchase a Product from us, you can pay by credit or debit card. By giving us your credit or debit card details, you agree that we have continuing authority to take the agreed regular payment from your credit or debit card for the Product(s) you have purchased on a subscription basis until you or we cancel your subscription to the Product(s) in accordance with these Terms.
2. We are entitled to change the amount of your subscription payment, provided that we send you an email setting out the new subscription price at least 30 days' notice prior to your next renewal date. During this notice period, you may exercise your right to cancel in accordance with paragraph 14 below.
3. If any payment that you owe us is declined, rejected or reversed for any reason, we will continue to provide you with access to your Product and will try to take monies owed for the Product for a total of 60 days. If after 60 days payment is still owed then we will cancel your access to the Product and you will not be required to pay the outstanding subscription charges owed by you in respect of the Product.
4. Monthly Subscription Products - If you purchase any of our Products on a 30 day subscription basis, we will provide that Product to you for continual 30-day periods starting from the date that you purchase the Product. Your renewal date will be the date 30 days after the last renewal date, and your first renewal date shall be the date 30 days after the date you purchased the Product.

We will continue to charge your credit or debit card on each renewal date at the relevant monthly rate for that Product unless you or we cancel your subscription to the Product in accordance with these Terms. If we have made the Product available to you for free for a promotional period, we will not charge your credit or debit card until the end of the promotional period.
5. The prices for our Products include VAT.
6. If your credit or debit card is nearing expiry and you have a continuing subscription for a Product with us, your card issuers will, where possible, update us with your new card details and payment will be taken from that card. This will ensure continued and uninterrupted use of your Product.
7. For security purposes, to receive our Products for no charge during a promotional period, you may be required to provide your credit or debit card details. No money will be taken from you until the end of the promotional period. Before we complete the supply of the Product to you, we may also carry out a pre-authorisation check of your credit or debit card details, which requires your payment account to be in funds or credit of £1 – this may mean that during the trial period you will have £1 less available credit. We are not responsible for any charges or bank fees you may incur if your payment card account contains insufficient funds or credit.
9. Your obligations
1. You must ensure that all information you provide to us is accurate, clear and not misleading.
2. You are permitted to use the Products you purchase for your private and domestic use only, and you agree not to use our Products for any other purposes.
3. You must not without first getting our written permission: distribute, sell, publish or otherwise make a profit or income, from any of the information we make available to you.
4. You agree that you will not attempt to do anything that may harm or inhibit the proper working of our IT systems or our Products.
10. Ownership of information
1. Except for your data protection rights in relation to how we use your personal information, we or our licensors own all copyright, trade mark rights and other rights to the Products, our databases, and all information contained on our website.
2. This means that you are permitted to use the Products and the information we provide to you (including on our website) only in accordance with these Terms. In particular, this requires you to comply with your obligations at paragraph 9 above.
11. Access to information on behalf of someone else
1. We make the Products and information on our website available to you for your own exclusive use. Other than in exceptional circumstances, you may not purchase any Products or the statutory Credit File on behalf of anyone else, even with their consent.
2. Exceptional circumstances include when we are required by Court order, or you have been appointed to manage someone else's affairs under a power of attorney. If you wish to purchase any Products or the statutory Credit File on behalf of someone else, please contact us first.
3. If you raise a data dispute and/or make a complaint against us and ask a third party to manage the complaint on your behalf, and that complaint results in our amending your Credit File, we may send an updated Credit File to you or the third party you asked to manage the dispute.
12. Our website
1. We make our Products available to you on our website. The terms and conditions applicable to the use of our website are available here Website Terms of Use and form part of our contract with you.
13. Special offers and promotional codes
1. Each special offer or promotional code: (i) expires on the date stated; (ii) may only be used for the Product specified; (iii) can only be used by the person or persons specified; and (iv) has no monetary value, so cannot be redeemed for cash or for any refund. The special offer or promotional code may also contain other terms that govern its use.
14. Your right to cancel and refunds
1. If you no longer wish to receive the Product(s) you have purchased from us, you may cancel your subscription at any time as follows:
Monthly Subscription Products If you wish to cancel a Product you receive on a monthly subscription basis, you must call us on 0800 014 2955 between 8am – 8pm daily (except 25th & 26th December) at least 24 hours prior to the next renewal date. If you miss this deadline, your Product will be cancelled at the end of the next renewal date, and you will be charged for that next 30 day period.
2. If we fail to comply with these Terms or are negligent in how we provide the Products to you, you may cancel your subscription to the Product immediately.
3. If a subscription is cancelled, you will no longer have access to your Product including historic credit reports.
15. Our right to suspend or cancel your subscription
1. If we have reasonable grounds for suspecting you of fraud or using the Product in breach of your obligations under these Terms, we may suspend your access to the Product you have purchased. If we have reasonable grounds for suspecting you of fraud we may suspend your access to all Products you have purchased.
2. We will use reasonable efforts to investigate and resolve whether or not you have acted fraudulently or used the Product in breach of these Terms within a reasonable period.
3. If, after suspending your access to the Products, we do not confirm fraud or breach of these Terms by you, we shall reinstate your access to the Products and the subscription period for which you have paid shall be extended by the period of the suspension.
4. If, after suspending your access to the Products, we confirm fraud or breach of these Terms by you, we may immediately on notice to you cancel your right to access the Products and you will not be entitled to a refund.
16. Our liability to you
1. We are responsible for all loss and damage you suffer that is a foreseeable result of our breach of these Terms or our negligence. Loss or damage is foreseeable if it was an obvious consequence of our breach or if it would have been expected by you and us at the time we entered into this contract, if we had been asked what loss or damage would be suffered by you as a result of our breach of these Terms or our negligence.
2. Please see paragraph 5.2 for our liability for information we receive from third parties.
3. When we provide a Product to you including your credit score, any information we make available is for your guidance and information only and is not intended to replace independent professional advice. You will appreciate that third parties such as lenders who carry out searches of your Credit File will use their own criteria in making decisions about you. Unless we have acted in breach of these Terms or have been negligent, we do not accept any responsibility for any reliance you place or any action you take based on the services you receive from us, or for any actions taken or decisions made by any third party based on the information in your Credit File.
4. We only supply our Products for private and domestic use and shall not be liable to you for any business losses you may suffer.
5. We do not exclude or limit in any way our liability for:
  1. death or personal injury; and
  2. fraud.
17. Events outside our control
1. We will not be liable or responsible for any breach of these Terms that is caused by an "Event Outside Our Control".
2. An Event Outside Our Control means any act or event beyond our reasonable control (as appropriate), including, for example, industrial action by third parties or failure of public or private telecommunication networks.
3. If an Event Outside Our Control takes place that affects our performance of these Terms:
  1. we will notify you as soon as possible; and
  2. our obligations under these Terms will be suspended and the time for performance of our obligations will be extended for the duration of the Event Outside Our Control.
18. Your personal information
1. We will use and share your personal information in accordance with the terms of our Privacy and Cookie Policy, which is available here Privacy and Cookie Policy.
2. If false or inaccurate information is provided and fraud is identified, details will be passed to fraud prevention agencies. Law enforcement agencies may access and use this information.

We and other organisations may also access and use this information to prevent fraud and money laundering, for example, when:
  • Checking details on applications for credit and credit related or other facilities
  • Managing credit and credit related accounts or facilities
  • Recovering debt
  • Checking details on proposals and claims for all types of insurance
  • Checking details of job applicants and employees
Please contact us at Equifax Limited, Customer Service Centre, P.O. Box 10036, Leicester, LE3 4FS if you want to receive details of the relevant fraud prevention agencies. We and other organisations may access and use from other countries the information recorded by fraud prevention agencies.
19. Changes to our Products and these Terms
1. We are entitled to cancel or modify our Products or change these Terms at any time for any reason, provided that we notify you at least 30 days prior to the change coming into force. You shall be entitled to cancel your subscription to the Product in accordance with paragraph 14.
20. Other important terms
1. These Terms are a contract between you and us. No other person shall have any rights to enforce any of its terms.
2. If any part of these Terms is held by any competent authority (such as a court) to be invalid or unenforceable (either wholly or in part) the validity or enforceability of the other parts of these Terms shall not be affected.
3. These Terms are governed by English law. You may only bring a claim against us in England, or any other courts of the country within the United Kingdom in which you live. We may bring a claim against you in the courts of the country within the United Kingdom in which you live. If you live outside of the United Kingdom, we may bring a claim against you in the courts of England.
21. Questions and complaints
1. If you have any questions or complaints about our service to you, please contact us here.
2. If you have any questions or complaints about the content of your Credit File, please see paragraphs 4 and 5 above.
3. If you are unhappy with our service or our handling of your complaint you have the right to take your complaint to the Financial Ombudsman Service.
4. In addition to paragraph 21.3 above, the European Commission operates an “online-dispute resolution platform” to assist with resolving consumer complaints. A link to the platform, including more information about how it works, can be found here http://ec.europa.eu/odr.
22. Latest version
1. These Terms are dated [20th October 2016]

I registered for this product using a promotional code

Equifax Terms and Conditions

1. Definitions
1. When the following words, in bold and with capital letters, are used in these Terms, this is what they will mean:

Credit File: the information we hold about you, which we describe in more detail in the "Your Credit File" section at paragraph 4 below;

Partner: means the party that is paying for your access to the Products;

Partner Terms: has the meaning set out in paragraph 12 below;

Product(s): the Equifax product(s) paid for by the Partner that you will receive from us and which are listed at paragraph 6 below;

Terms: the terms and conditions set out in this document.
2. References to "we", "us" and "our" in these Terms are to Equifax Limited. References to "you" and "your" are references to you, the person who has been given access to the Products.
2. Your contract with Equifax
1. These are the Terms on which we supply our Products to you.
2. When you access one of our Products, you are agreeing to these Terms which form a binding contract between you and us. We recommend that you keep a record of these Terms for your future reference.
3. Please read these Terms carefully as they contain legal rights and obligations. In particular, your attention is drawn to the paragraph 15 below "Our liability to you".
4. Once you have been given access to a Product, it is important that you keep your contact details up to date in the "My Accounts" section of our website, in case we need to contact you in relation to any Product or to notify you of any changes to these Terms. Changes to these Terms will take effect as indicated in any notifications we send to you from time to time, as set out in paragraph 18 below.
5. These Terms do not apply where you have paid for the Product yourself (rather than a Partner doing so). Where you have paid for the Product yourself, separate terms and conditions apply.
6. Upon the expiry of your access to a Product, unless you tell us otherwise we may contact you with details of our products that may be of interest to you (fees and other terms and conditions apply).
3. About Equifax
1. We are Equifax Limited, a company registered in England and Wales under registered company number 2425920 with our registered office at Capital House, 25 Chapel Street, London NW1 5DS.
2. We are authorised and regulated by the Financial Conduct Authority. Our registration details can be found on the Financial Services Register available on the Financial Conduct Authority’s website, https://www.fca.org.uk/register.
3. You may contact us by post by writing to the Equifax Credit File Advice Centre, P.O. Box 10036, Leicester, LE3 4FS or by any of the other methods described in the “Contact Us” section of our website available here Contact Us.
4. Your Credit File
1. We hold information about you which is used by lenders and other companies to make decisions about (for example) whether they will offer you credit or not. This information is your "Credit File".
2. Your Credit File includes information used to verify your identity, which may be collected from public sources such as the electoral roll.
3. Your Credit File also includes information relating to your financial standing, which we may have received from companies with whom you have a current or historic relationship, such as banks, telecoms providers and utility companies.
4. Accessing your Credit File will allow you to view the information that third parties such as lenders may see about you and review your financial commitments.
5. We provide you with a copy of your Credit File as part of all our Products, which are listed at paragraph 6 below.
6. You also have a statutory right to a copy of your Credit File, and we can provide you with access here: Online Statutory Report.
7. In order to fulfil your request for your Credit File, we will complete a search of our consumer database. A record of this search will be visible on your Credit File for 12 months. The search will not be visible to other companies who may access your Credit File during this period.
5. The Accuracy of Your Credit File
1. We will use reasonable skill and care in:
  1. Providing the services to you under these Terms;
  2. Performing a number of checks to try to validate the information we receive from third parties;
  3. Adding that information to your Credit File within a reasonable time; and
  4. Generating your credit score and applying the searches we perform correctly.
2. As your Credit File is principally comprised of information collected from third parties, for example as described at paragraphs 4.2 and 4.3 above, we have very limited control over whether the information provided to us by third parties is accurate, complete and up to date. This means that despite our obligations in paragraph 5.1, we do not assure you that the content of your Credit File will be accurate, complete or up-to-date.
3. If you consider that any entry in your Credit File is incorrect, you have a statutory right to request that the entry is amended or removed. If your query relates to a specific account, we suggest you speak to the account provider in the first instance. However if you would like us to raise the query with the account provider for you, please contact us with details of the entry that you consider to be incorrect and we will assist you in amending or removing the incorrect entry.
4. If, following a review of your request and by reference to the appropriate third party, we confirm that an entry is correct, we will not take steps to amend or remove it and we will let you know.
6. Our Products
1. We offer the following Products:
Equifax Protect
  • Unlimited online access to your credit score.
  • Unlimited online access to your Credit File.
  • Weekly alerts whenever there are changes to your Credit File
  • Access to WebDetect, which alerts you if we find your financial details are shared on websites used by fraudsters.
  • Access to Social Scan, which summarizes the publically available information about you on social media sites, and shows the identity theft risk associated with making this information publically available.
  • Access to our dedicated Customer Care team.
For more information on this product please click here Equifax Protect
Equifax Credit Report and Score
  • Unlimited online access to your credit score.
  • Unlimited online access to your Credit File.
  • Weekly alerts whenever there are changes to your Credit File
  • Access to WebDetect, which alerts you if we find your financial details are shared on websites used by fraudsters.
  • Access to our dedicated Customer Care team.
For more information on this product please click here Equifax Report and Score
Equifax Credit Report
  • Unlimited online access to your Credit File.
  • Weekly alerts whenever there are changes to your Credit File
  • Access to WebDetect, which alerts you if we find your financial details are shared on websites used by fraudsters.
  • Access to our dedicated Customer Care team.
For more information on this product please click here Equifax Credit Report
Equifax Identity Watch Pro
  • Unlimited online access to your Credit File and credit score.
  • Daily alerts whenever there are changes to your Credit File.
  • Access to WebDetect, which alerts you if we find your financial details are shared on websites used by fraudsters.
  • Access to Social Scan, which summarizes the publically available information about you on social media sites, and shows the identity theft risk associated with making this information publically available.
  • Access to our dedicated Customer Care team.
For more information on this product please click here Equifax Identity Watch Pro
Statutory Credit Report – Online Version
  • Online access to a snapshot of your Credit File, and access to our dedicated Customer Care team.
For more information on this product please click here Online Statutory Report. The paper version of the Statutory Credit Report is subject to separately published terms.
7. Registration
1. To access a Product, you will need to complete the Product registration form on our website. You can access the applicable form by clicking on the link against the Product the Partner has purchased for you at paragraph 6 above, and then follow the instructions to access the Product. You will also require a valid promotion code to access the Product, this will have been provided to you by the Partner.
2. Our Products are only available to residents of the UK.
3. If we accept your order for a Product, we will send you an automatic e-mail confirmation of acceptance to the e-mail address you provide to us during the registration process.
4. To access our Products, you will need to create a username and password. You agree to keep confidential the password and any other login details you use to access our Products and not to disclose such passwords and other login details to anyone else. If you know or suspect that someone else has your login details and password you must contact us immediately and change your password. We will not be responsible for any activity performed using your login details unless we have acted negligently or in breach of these Terms.
5. If you input any incorrect information during the registration process, please contact us to let us know as soon as possible and we will correct the error, Contact Us.
8. Your obligations
1. You must ensure that all information you provide to us is accurate, clear and not misleading.
2. You are permitted to use the Products you have been given access to for your private and domestic use only, and you agree not to use our Products for any other purposes.
3. You must not without first getting our written permission: distribute, sell, publish or otherwise make a profit or income, from any of the information we make available to you.
4. You agree that you will not attempt to do anything that may harm or inhibit the proper working of our IT systems or our Products.
9. Ownership of information
1. Except for your data protection rights in relation to how we use your personal information, we or our licensors own all copyright, trade mark rights and other rights to the Products, our databases, and all information contained on our website.
2. This means that you are permitted to use the Products and the information we provide to you (including on our website) only in accordance with these Terms. In particular, this requires you to comply with your obligations at paragraph 8 above.
10. Access to information on behalf of someone else
1. We make the Products and information on our website available to you for your own exclusive use. Other than in exceptional circumstances, you may not access any Products or the statutory Credit File on behalf of anyone else, even with their consent.
2. Exceptional circumstances include when we are required by Court order, or you have been appointed to manage someone else's affairs under a power of attorney. If you wish to access any Products or the statutory Credit File on behalf of someone else, please contact us first.
3. If you raise a data dispute and/or make a complaint against us and ask a third party to manage the complaint on your behalf, and that complaint results in our amending your Credit File, we may send an updated Credit File to you or the third party you asked to manage the dispute.
11. Our website
1. We make our Products available to you on our website. The terms and conditions applicable to the use of our website are available here Website Terms of Use and form part of our contract with you.
12. Partner – terms, access and account management
1. As you have obtained access to the Product via a Partner, additional terms set by the Partner may apply to you (“Partner Terms”). You should ask the Partner for a copy of the Partner Terms.
2. In respect of your access to and use of the Product, if Our Terms and the Partner Terms conflict, Our Terms shall prevail.
3. We can cancel your access to the Product where:
  1. The Partner ceases to pay for you to access the Product;
  2. Your access to the Product is for a limited time period and that time period expires;
  3. The Partner indicates that you are no longer entitled to access the Product; or
  4. As set out elsewhere in these Terms.
4. In order for us and the Partner to correctly administer your access to the Products, we and the Partner may share between us your account information (such as your name, contact details, when you first started accessing the Products and whether you are still entitled to do so). Such data sharing between us and the Partner will not include your Credit File or Credit Report Information.
5. Depending on the arrangement we have with the Partner, you will be required to complete the registration process set out at paragraph 7 above in order to start receiving the benefit of the Product.
13. Cancellation
1. If you wish to cancel the Product you must call us on 0800 014 2955 between 8am – 8pm daily (except 25th & 26th December). If you cancel the Product we may be able to offer you other Equifax products (fees apply) but cannot re-instate your access to the Product.
2. If we fail to comply with these Terms or are negligent in how we provide the Product to you, you may cancel your subscription to the Product immediately.
3. If a subscription is cancelled, you will no longer have access to your Product including historic credit reports.
14. Our right to suspend or cancel your subscription
1. If we have reasonable grounds for suspecting you of fraud or using the Product in breach of your obligations under these Terms, we may suspend your access to the Product. If we have reasonable grounds for suspecting you of fraud we may suspend your access to all Products you have purchased or been given access to.
2. We will use reasonable efforts to investigate and resolve whether or not you have acted fraudulently or used the Product in breach of these Terms within a reasonable period.
3. If, after suspending your access to the Products, we do not confirm fraud or breach of these Terms by you, we shall reinstate your access to the Products and the subscription period the Partner has paid for shall be extended by the period of the suspension.
4. If, after suspending your access to the Products, we confirm fraud or breach of these Terms by you, we may immediately on notice to you cancel your right to access the Products.
15. Our liability to you
1. We are responsible for all loss and damage you suffer that is a foreseeable result of our breach of these Terms or our negligence. Loss or damage is foreseeable if it was an obvious consequence of our breach or if it would have been expected by you and us at the time we entered into this contract, if we had been asked what loss or damage would be suffered by you as a result of our breach of these Terms or our negligence.
2. Please see paragraph 5.2 for our liability for information we receive from third parties.
3. When we provide a Product to you including your credit score, any information we make available is for your guidance and information only and is not intended to replace independent professional advice. You will appreciate that third parties such as lenders who carry out searches of your Credit File will use their own criteria in making decisions about you. Unless we have acted in breach of these Terms or have been negligent, we do not accept any responsibility for any reliance you place or any action you take based on the services you receive from us, or for any actions taken or decisions made by any third party based on the information in your Credit File.
4. We only supply our Products for private and domestic use and shall not be liable to you for any business losses you may suffer.
5. We do not exclude or limit in any way our liability for:
  1. death or personal injury; and
  2. fraud.
16. Events outside our control
1. We will not be liable or responsible for any breach of these Terms that is caused by an "Event Outside Our Control".
2. An Event Outside Our Control means any act or event beyond our reasonable control (as appropriate), including, for example, industrial action by third parties or failure of public or private telecommunication networks.
3. If an Event Outside Our Control takes place that affects our performance of these Terms:
  1. we will notify you as soon as possible; and
  2. our obligations under these Terms will be suspended and the time for performance of our obligations will be extended for the duration of the Event Outside Our Control.
17. Your personal information
1. We will use and share your personal information in accordance with the terms of our Privacy and Cookie Policy, which is available here Privacy & Cookie Policy.
2. If false or inaccurate information is provided and fraud is identified, details will be passed to fraud prevention agencies. Law enforcement agencies may access and use this information.

We and other organisations may also access and use this information to prevent fraud and money laundering, for example, when:
  • Checking details on applications for credit and credit related or other facilities
  • Managing credit and credit related accounts or facilities
  • Recovering debt
  • Checking details on proposals and claims for all types of insurance
  • Checking details of job applicants and employees
Please contact us at Equifax Limited, Customer Service Centre, P.O. Box 10036, Leicester, LE3 4FS if you want to receive details of the relevant fraud prevention agencies. We and other organisations may access and use from other countries the information recorded by fraud prevention agencies.
18. Changes to our Products and these Terms
1. We are entitled to cancel or modify our Products or change these Terms at any time for any reason, provided that we notify you at least 30 days prior to the change coming into force. You shall be entitled to cancel your subscription to the Product in accordance with paragraph 13.
19. Other important terms
1. These Terms are a contract between you and us. No other person shall have any rights to enforce any of its terms.
2. If any part of these Terms is held by any competent authority (such as a court) to be invalid or unenforceable (either wholly or in part) the validity or enforceability of the other parts of these Terms shall not be affected.
3. These Terms are governed by English law. You may only bring a claim against us in England, or any other courts of the country within the United Kingdom in which you live. We may bring a claim against you in the courts of the country within the United Kingdom in which you live. If you live outside of the United Kingdom, we may bring a claim against you in the courts of England.
20. Questions and complaints
1. If you have any questions or complaints about our service to you, please contact us here. Complaints Procedure.
2. If you have any questions or complaints about the content of your Credit File, please see paragraphs 4 and 5 above.
3. If you are unhappy with our service or our handling of your complaint you have the right to take your complaint to the Financial Ombudsman Service.
4. In addition to paragraph 20.3 above, the European Commission operates an “online-dispute resolution platform” to assist with resolving consumer complaints. A link to the platform, including more information about how it works, can be found here http://ec.europa.eu/odr.
21. Latest version
1. These Terms are dated [20th October 2016]

Downloads

Related Links