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Legal

An example of information we collect indirectly is through our internet access logs. When you access our website, your Internet Protocol (IP) address, operating system and browser type is automatically collected and is placed in our internet access logs, which we use for system administration and statistical analysis.

We collect information directly from you in a number of ways. One way is through our use of “cookies”. Most websites use cookies in order to make them work, or to work more efficiently, as well as to provide information to the owners of the website. They help us to understand how users access our website so we can develop and improve the design, layout, content and function of the site. Cookies are small text files that are placed on your computer’s hard drive by websites that you visit. They save and retrieve pieces of information about your visit to the website – for example, how you entered the site, how you navigated through the site and what information and documentation was of interest to you. This means that when you go back to a website, it can often give you tailored options based on the information it has stored about you on your last visit.

Our cookies on this website are used to simply collect information about how visitors use our website and these types of cookies collect the information in an anonymous form. If you are uncomfortable with the use of cookies, you can disable cookies on your computer by changing the settings in the preferences or options menu in your browser. You can set your browser to reject or block cookies or to tell you when a website tries to put a cookie on your computer. You can also delete any cookies that are already stored on your computer’s hard drive. However, please be aware that if you do delete and block all cookies from our website, parts of the site will not then work. This is because some of the cookies we use are essential for parts of our website to operate. Likewise, you may not be able to use some products and services on other websites without cookies.

To find out more about cookies, including to see what cookies have been set and how to manage and delete them, visitwww.allaboutcookies.org.

If you do not wish to accept cookies from our website, please leave this site immediately and then delete and block all cookies from this site.

We analyse it to determine what is most useful about our website, to help us identify ways to improve it. We use it to find out things such as the number of visitors to the site, the pages they visited, where they came to the site from, the numbers of downloads of documents from the site, etc. This information is then used to compile general traffic analysis and statistical reports. We may also use personal data for other purposes, which we would describe to you at the point we collect the information.

If we seek to collect sensitive personal data, we will ask you to consent to our proposed uses of the data. We may also collect some sensitive personal data incidentally. By providing us with unsolicited sensitive personal data, you consent to our using the data, subject to applicable laws as described in this notice. The references to “sensitive personal data” are to the various categories of personal data identified by the Data Protection Act 1998 and other relevant data privacy laws as requiring special treatment, including in some circumstances the need to obtain explicit consent. These categories comprise personal data about personality and private life, racial or ethnic origin, colour, nationality, political opinions or convictions, membership of political parties or movements, religious, philosophical or other similar beliefs, trade union membership, physical or mental health or handicap, genetic code, addictions, gender, sexual life (including sexual orientation), pregnancy, property matters or criminal convictions or record.

While we will take all reasonable steps to maintain the security of our website, you should understand that the open nature of the internet is such that data may flow over networks without security measures and may be accessed and used by people other than those for whom the data is intended. Therefore, we cannot and do not guarantee that personal information you provide will not be intercepted by others and decrypted.

The internet and data privacy best practice are both constantly developing. We reserve the right to amend this Privacy Policy at any time and from time to time. If this Privacy Policy changes in any way, we will post an updated version on this page. Regularly reviewing this page therefore ensures you are always aware of what information we collect, how we use it and under what circumstances, if any, we will share it with other parties.

Amendments to our Privacy Policy will apply to your use of this website and by continuing to use the website after such changes you are deemed to have agreed with such amendments.

We welcome your questions, comments and feedback. If you wish to contact us, you can write to us at Marketing, Creditfix Ltd, 4, West Regent Street, Glasgow G2 1RW. Call us on 0800 0431 431 or email us at support@creditfix.co.uk.

Creditfix.co.uk is a trading style of Creditfix Ltd. Creditfix Ltd. is registered in the Republic of Ireland with company number 432293 and is registered with the Information Commissioner’s Office with ICO number Z2445731

Creditfix.co.uk (“the Website”) is operated by and is a trading style of Creditfix Ltd. Creditfix Ltd. is registered in the Republic of Ireland with company number 432293 and is registered with the Information Commissioner’s Office with ICO number Z2445731.

Your use of this website is subject to the terms and conditions that follow. Please read them carefully. By proceeding to browse and use this website you are deemed to have agreed to comply with and be bound by these terms and conditions, which together with our Privacy Policy govern Creditfix’s relationship with you with regards to your use of this website. If you do not agree with any of these terms and conditions please leave this website immediately.

These terms and conditions apply to your use of every part of this website. Separate terms and conditions will apply to any website accessible via a hyperlink from this website. Please note that this website is intended for visitors to the website in the United Kingdom only. This site is not applicable to visitors who are residents of other countries as the law in other countries may restrict the distribution of the information available on this website. To avoid doubt, none of the information on this website constitutes an offer to contract in any country in which it is available including the United Kingdom.

After completing the form on our website, we may introduce you to third-party companies who we think may be able to help you. While we are careful about working only with reputable companies, this introduction is made in good faith only. We can make no warranties nor assume any responsibility for the quality of the service offered by any of the third-party companies we introduce you to. We provides insolvency solutions to individuals throughout the UK; specialising in IVAs, Protected Trust Deeds and Sequestrations. They do not administer or provide advice solely relating to debt management products, such as Debt Management Plans or Debt Payment Plans under the Debt Arrangement Scheme. They only provide advice after completing or receiving an initial fact find where the individual(s) concerned meets the criteria for one of their insolvency solutions, therefore, all advice is given in reasonable contemplation of an insolvency appointment. David Rankin, Samantha Warburton, Thomas Fox and Susan M Wriglesworth are authorised to act as insolvency practitioners in the UK by the Insolvency Practitioners Association and also registered with ICO individually.

Creditfix Ltd tries to ensure that this website access is uninterrupted and error free. However, due to the nature of the internet the website is provided on an “as available” basis. Creditfix Ltd will not be liable if for any reason the website is unavailable at any time for any period. Creditfix Ltd will not be liable for loss or damage arising if this website becomes unavailable or is suspended for any reason.

Unless otherwise stated, the rights in the information, documentation, designs, pictures, logos, photographs and other content of this website are owned by or licensed to Creditfix Ltd. They are protected by copyright, trademarks and other intellectual property rights. You must not use any material on this website in any way that infringes the intellectual property rights in it. You may view, download and print individual pages or documents from this website which you may then use, copy or reproduce for your own internal non-profit making purposes, provided you keep intact any copyright and other proprietary notices. However, under no circumstances are you permitted to download, copy, reproduce, modify, redistribute, republish, display, post, transmit or extract any part of this website with a view to profit or gain. In addition, you must not sell or distribute any of the material on this website to third parties, whether for monetary payment or otherwise. If you copy, download or print any part of this website in breach of the terms and conditions, your right to use this website will cease immediately and you must return or destroy any copies of the materials you have made.

Any personal information supplied by you to by Creditfix Ltd will be processed in accordance with the provisions of the Data Protection Act 1998 (as amended). Through your use of this website, you agree that personal information that is provided will be dealt with according to our Privacy Policy. If you have any questions regarding the Data Protection Act 1998 or Creditfix Ltd’s Privacy Policy, please contact Creditfix Ltd. at support@creditfix.co.uk.

Subject to the terms of our Privacy Policy, Creditfix Ltd will monitor use of this website and this information will be used by Creditfix Ltd for internal business purposes or in accordance with the rules of any applicable regulatory or self-regulatory organisation.

The information and documentation contained on this website was produced by or licensed to Creditfix Ltd and is provided without any guarantees, conditions or warranties as to its accuracy. To the extent permitted by law, Creditfix Ltd hereby expressly excludes:

All conditions, warranties and other terms which might otherwise be implied by statute, common law or the law of equity.

Any liability for any direct, indirect or consequential loss or damage incurred by any user in connection with this website or in connection with the use, inability to use, or results of the use of this website, any websites linked to it and any materials posted on it (including any delays, inaccuracies, errors or omissions in the information and documentation), including, without limitation, any liability for loss of income or revenue, loss of business, loss of profits or contracts, loss of anticipated savings, loss of data, loss of goodwill, wasted management or office time and for any other loss or damage of any kind, however arising and whether caused by tort (including negligence), breach of contract or otherwise, even if foreseeable. The publication of the information and documentation provided on this website by Creditfix Ltd does not constitute a recommendation that you enter into a particular transaction, nor a representation that any service detailed on this website is suitable or appropriate for you.

It is essential that before taking action in reliance on the information contained on this site you seek specialist advice. If you are driving when calling any phone contact number on this website, please ensure it is safe and legal to do so. You should not construe any of the information which is contained on this website as legal, business, financial, regulatory, tax, accounting or other professional advice. We highly suggest that you carefully read the terms of any financial product or service you are considering prior to making your decision.

This website is governed under English Law at all times. In the event of a dispute, relevant parties should submit to the exclusive jurisdiction of the English Courts.

Links from our website to third party websites are provided purely for your convenience and such links do not constitute an endorsement, affiliation or authorisation by Creditfix Ltd with respect to such third party websites. When you activate these links you will leave our website. We do not endorse or take responsibility for the content on third party websites or the availability of these websites and we are not liable for any loss or damage that you may suffer by using these websites. If you decide to access linked websites, you do so entirely at your own risk.

You must not misuse this website by knowingly introducing viruses, worms, logic bombs or other material which is malicious or technologically harmful. You must not attempt to gain unauthorised access to this website, the server on which this website is stored or any server, computer or database connected to this website. You must not attack this website via a denial-of-service attack or a distributed denial-of-service attack. By breaching this provision, you would commit a criminal offence under the Computer Misuse Act 1990 and the Police and Justice Act 2006. We will report any such breach to the relevant law enforcement authorities and we will cooperate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use this website will cease immediately. We will not be liable for any loss or damage caused by a distributed denial-of-service attack, viruses or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of this website or to your downloading of any material posted on it, or on any websites linked to it.

Creditfix Ltd cannot warrant that this website is free of viruses or technical defects of any description and will not be responsible for any technical problems arising from the use of this website.

You may use our website only for lawful purposes. You may not use our site:

To transmit, or procure the sending of, any unsolicited or unauthorised advertising or promotional material or any other form of similar solicitation, for example ‘spam’.

To transmit, or procure the sending of any material which is: defamatory of any person, obscene, offensive, inflammatory, sexually explicit, promotes discrimination or harassment based on sex, sexual orientation, gender reassignment, marital or civil partnership status, race, age, religion or disability, infringes any copyright, database right or trade mark of any person, is likely to deceive any person, is in breach of any legal duty owed to a third party (for example, the duty of confidence), is threatening or abusive, is likely to harass, upset or embarrass any other person, misrepresents your identity, or advocates or promotes any unlawful act.

We will determine, in our absolute discretion, whether there has been a breach of these Acceptable Use Standards through the use of our website. If a breach of this policy has occurred, we may take such action as we deem necessary.

Failure to comply with these Acceptable Use Standards constitutes a material breach of these terms and conditions and may result in our taking all or any of the following actions:

Immediate, temporary or permanent withdrawal of your right to use our website.

Immediate, temporary or permanent removal of any posting or material uploaded by you to our website.

A warning being issued to you.

Creditfix Ltd will take all reasonable steps to ensure that any personal information you provide to us is kept secure. However, because of the nature of the internet, we cannot and do not guarantee that personal information you provide will not be intercepted by others and decrypted. Consequently, your privacy cannot be guaranteed. Please refer to our Privacy Policy.

If you have any other queries or concerns regarding your use of this website or these terms and conditions, please contact us at support@creditfix.co.uk

At Creditfix Ltd, we pride ourselves on providing a high quality website and we want to ensure that we maintain this at all times. If you are not satisfied with any part of this website you can write to us at 4, West Regent Street, Glasgow G2 1RW; call us on 0800 043 1431; or email us at support@creditfix.co.uk.

View our Client Complaints Procedure.

Professional Indemnity Insurance is provided by AIG Europe Limited, The AIG Building, 58 Fenchurch Street, London, EC3M 4AB.