Terms and Conditions
1.1 The Contract commences on the Commencement Date and shall continue thereafter until termination in accordance with the terms of clause 13.
2.1 By completing and submitting the Registration Form to us, you accept our offer to provide the Service subject to these Conditions. No contract shall come into effect until we have successfully received the details submitted on the Registration Form.
2.2 You shall be responsible for ensuring the completeness and accuracy of the information which you provide on the Registration Form (and you hereby warrant its completeness and accuracy to us).
3. THE SERVICE
3.1 Subject to these Conditions, we shall provide to you the service of providing you with Tenant References at your request from time to time ("the Service").
3.2 Every time you wish us to carry out a Tenant Reference, you must place an order for such (an "Order") using the online ordering process on the Site. We shall not be obliged to accept any Order which is submitted to us by any other method. Please note that compliance with your obligations under this clause 3.2 shall in no way relieve you of your obligations to us in terms of clause 7.
3.3 Once we have produced a Report, it will be available for you to view on the Site. Unless we specifically agree otherwise, we will not make Reports available to you in any other form or by any other method.
3.4 We shall use our reasonable endeavours to ensure that the Report is provided to you within 48 hours of receipt of your Order, however time of delivery is not of the essence of the Contract and we shall not have any liability to you for any failure to provide you with the Report within any quoted timescale.
4. YOUR OBLIGATIONS IN RESPECT OF THE SERVICE
4.1 You shall:-
(a) ensure that any information you provide to us in connection with the Service is complete and accurate; and
(b) provide us with all such information as we may reasonably request from time to time in order to enable us to carry out the Service; and
(c) all times comply with the Site Rules.
5.1 On or following the Commencement Date, you will be provided with a unique username and password which you may use to access the secure parts of the Site. We may also agree certain other words, codes, numbers and phrases with you from time to time to used in connection with our security procedures (all such words, codes, numbers, phrases, usernames and passwords hereafter being referred to as "Security Information").
5.2 You must keep your Security Information secure and take all reasonable precautions to prevent unauthorised or fraudulent use of them.
5.3 You must not disclose your Security Information to any third party or record your Security Information in any way that may result in them becoming known to any third party.
5.4 Please note that following the Commencement Date we will never contact you, or ask anyone to do so on our behalf, with a request to disclose your Security Information in full. If you receive any such request from anyone (even if they are using our name and logo and appear to be genuine) then it is likely to be fraudulent and you must not supply your Security Information to them in any circumstances. You should report any such requests to us immediately by sending an email to email@example.com.
5.5 You will not permit any third party to use the Service or (through your acts or omissions) enable any third party to access the secure parts of the Site.
5.6 You hereby agree to free us, indemnify us and hold us harmless from and against all losses, damages, costs (including legal costs), expenses and liabilities which we suffer or incur, or may suffer or incur, arising out of any claim by any third party as a result of any failure by you to comply with your obligations under this clause 5.
5.7 Any failure by you to comply with your obligations under this clause 5 shall be deemed to be a material breach of the Contract.
6. CHARGES AND PAYMENT
6.1 Upon Registration, we will create an account for you ("Your Account") into which you may pay funds from time to time. Before we will process any Orders, you must have sums standing to the credit of Your Account.
6.2 Every time you place an Order, you will incur charges which you will be liable to pay to us in advance.
6.3 The level of our charges are specified on the Site and we reserve the right to alter the level of our charges from time to time.
6.4 We shall be entitled to deduct any charges which are payable by you to us from the sums standing to the credit of Your Account.
6.5 Unless otherwise specified, all charges specified on the Site are exclusive of Value Added Tax, Insurance Premium Tax or any other sales taxes which might apply, which you shall also be liable to pay to us.
7. DATA PROTECTION
7.2 Where you provide to us any Personal Data in respect of any person other than yourself, you will ensure (and hereby warrant to us) that before such Personal Data is provided to us:
(a) you will obtain all consents and permissions which might be required by law in order to enable us to use such Personal Data for the purpose of enabling us to fulfil our obligations under the Contract;
(b) where such Personal Data is in respect of a Tenant and is provided to us for the purpose of enabling us to produce a Report in respect of such Tenant, you will:-
(i) ensure that such Tenant is aware that we will disclose their Personal Data to credit reference agencies who may record the search and that such information may be shared with credit grantors, other persons making a search against such Tenant in future and be used for credit decisions in respect of such Tenant and fraud prevention; and
(ii) procure that the Tenant signs a Tenant Reference Form, keep such Tenant Reference Form in a safe place throughout the duration of the Contract and provide us with such Tenant Reference Form as soon as reasonably possible following receipt of a request from us to do so.
7.3 You hereby agree to free us, indemnify us and hold us harmless from and against all losses, damages, costs (including legal costs), expenses and liabilities which we suffer or incur, or may suffer or incur, arising out of any claim by any third party that we used their Personal Data without permission or in a manner which they had not agreed to.
8. INTELLECTUAL PROPERTY
8.1 Unless otherwise expressly stated, all Intellectual Property Rights in the Site Information are owned by us. We may publish photographs, images or text on the Site in which the copyright is not owned by us. Where this is done, and where practicable, we acknowledge the copyright owner.
8.2 You may view the Site Information in a web browser for private browsing purposes only. Copying the Site Information into a computer cache or storage device for private on or off-line browsing purposes is also permitted. You may not make a copy of the Site Information or any part of it for any other purpose without our prior written consent, which may be granted at our sole discretion (or where we do not own the copyright, we will direct you to the owners themselves for such consent (where reasonably practicable)). Furthermore, and without prejudice to the foregoing, you are not permitted to use, display or otherwise incorporate the Site Information into any web page which does not form part of the Sites by hypertext link, or by any other means other than copying, without our prior written consent. Nothing in these terms and conditions or on the Sites constitutes a licence to use or copy the Site Information.
9. WEBSITE TERMS AND CONDITIONS
10. ACCURACY OF INFORMATION
10.1 The Site Information and Report Information are provided "as is" and we make no representation, endorsement or warranty as to their accuracy or completeness. We will not be liable for any action taken (or not taken) in reliance upon the Site Information and/or Report Information and such action is taken entirely at your own risk. We reserve the right to make changes to the Site Information and/or Report Information to correct any errors or omissions (at our discretion) without notice and without liability to you.
10.2 External websites to which we provide hypertext links are not under our control and we take no responsibility and shall not be liable in any way for their content.
10.3 Some of the Site Information and some or all of the Report Information, is contributed to us by different third parties (such as credit reference agencies and Tenants) and we do not control those parties or their information. We give no warranties or guarantees and make no representations in respect of the accuracy or completeness of such information. Opinions expressed within such Site Information and Report Information are those of their authors and do not necessarily represent our opinions.
10.4 The Site, like any other, is susceptible to cyber-squatting, spoofing and vandalism. We do not accept any responsibility for, nor liability in respect of any losses arising from, or information which appears on the Site as a result of, such actions.
10.5 Where the operation of the Site depends on the input of information by you, the service provided by us depends on, and varies according to, the accuracy of such inputted information. We can therefore accept no responsibility for, nor any liability in respect of, the input of inaccurate information to the Site by you and/or any third parties.
10.6 In the unlikely event that you find any inaccurate information on the Site or have any complaint about what we have published please email firstname.lastname@example.org. We will investigate on receipt and take such action as we, in our sole discretion, determine as being appropriate having regard to all the circumstances.
10.7 Please note that we shall have no obligation to verify the identity of Tenants (which shall be your responsibility alone) in the course of providing the Service. You hereby acknowledge and agree that our Reports rely on the accuracy, completeness and truthfulness of the information provided to us by you and inter alios Tenants and that our Report is not intended to confirm the identity or any Tenant or confirm the accuracy of any information provided by any Tenant to you or us in connection with any Tenant Reference.
11.1 Nothing in these Conditions shall exclude or limit our liability for death or personal injury or any liability which cannot be excluded or limited by law.
11.2 Our maximum and aggregate liability to you arising out of contract, delict (including negligence or breach of statutory duty) or otherwise for any loss or damage arising out of or in connection with the Contract, howsoever arising, shall not exceed the total sum paid by you to us under the Contract at the time of the relevant claim.
11.3 We shall have no liability to you for any of the Losses nor for any indirect, special, consequential loss or damage to you or any third party arising from the Service whether arising from the negligence of the Company or otherwise.
11.4 You hereby acknowledge and agree that we cannot guarantee that the Site will be free of faults. Furthermore, you hereby acknowledge and agree that we may have to carry out maintenance and/or repair on the Site from time to time and that the Site or certain parts thereof may cease to be accessible while such maintenance and/or repair is being carried out. Except to the extent that such faults or interruptions are due to our negligence, we shall have no liability to you for any of losses, damages, costs or expenses suffered or incurred by you as a result of:
(a) faults, errors or failures in the Site; and
(b) interruptions in the accessibility of the Site by internet users and/or you.
11.5 In no circumstances will we have any liability to you for any losses, damages, costs or expenses suffered or incurred by you as a result of unauthorised access to, or alteration, theft or destruction of information stored on, distributed via or made available for distribution via the Site and/or our computer servers through accident or fraudulent means or devices.
12. CONFIDENTIAL INFORMATION
Each party will keep confidential any Confidential Information disclosed to it by the other. Neither party will disclose any Confidential Information to any third party, save to its agents, advisers or to an employee who needs to have access to such Confidential Information in connection with the performance of any obligations under the Contract provided that the disclosing party will be responsible for ensuring that any person to whom it makes any such disclosure complies with this Clause 12.
13.1 We shall have the right to terminate the Contract forthwith by notice in Writing if:
(a) you commit any material breach of the Contract and (in the case of a breach which is not persistent and can be remedied) has failed, within 7 days after receipt of a request in writing to do so, to remedy the breach, declaring that we not be in material breach by virtue of failing to meet a deadline for the provision of any of the Service; or
(b) you commit an act of bankruptcy, become apparently insolvent, make an arrangement or composition with creditors or (being a company) convene a creditors meeting;
(c) you have a receiver (whether administrative or otherwise) appointed or any steps are taken for the appointment of an administrator or if you pass a resolution for winding up (except for the purposes of a genuine scheme of solvent amalgamation or reconstruction) or if any proceedings are commenced relating to your insolvency or liquidation or possible insolvency or you cease or threaten to cease to carry on business or if serious doubt arises as to your solvency.
13.2 You will have the right to terminate the Contract upon giving us 30 days notice in Writing.
13.3 Following termination of the Contract we shall return to you any sums standing to the credit of Your Account either by electronic funds transfer to a bank account which you nominate in Writing or by cheque provided that where we terminate the Contract pursuant to clause 13.1, we reserve the right to deduct from any amount to be returned to you a reasonable administration fee.
14.1 You hereby warrant to us that you are a landlord or letting agent and that you are using the Service for the purpose of assessing the credit worthiness of a tenant or prospective tenant of a property which you own or (in the case of letting agents) which you deal with on behalf of the owner of the property.
14.2 The above warrant shall be deemed to be repeated each and every time you use the Service.
15.1 Entire Agreement. The Contract constitutes the entire agreement between us and you relating to the provision of the Service and shall supersede all prior agreements and understandings between us and you with respect to the provision of the Service.
15.2 Alteration Of These Conditions We reserve the right to alter these Conditions and/or the Site Rules upon giving you 7 days notice in Writing.
15.3 Independent Contractor. Each party to the Contract is an independent contractor, and the Contract does not create a partnership, agency, joint venture or employment relationship between us and you.
15.4 Notices. All notices to be given under the Contract shall be in Writing and, in the case of notices to us, shall be addressed to:
36 Albany Street
Email: [Insert email address]
Fax: 0845 855 8005
In the case of notices to you, such notice shall be addressed to the postal address, fax number or email address (as appropriate) specified on the Registration Form or as last supplied by you to you.
15.5 Assignation. You shall not be entitled to assign any right or obligation under the Contract without our prior written consent. We may assign or sub-contract the whole or any part of our rights and/or obligations under the Contact to any other person, entity, firm or company.
15.6 Unforeseen Circumstances. Save in respect of any obligation under the Contract to make any payment, neither party shall be liable for any delay in performing any of its obligations hereunder if such a delay is caused by circumstances beyond the reasonable control of the party so delaying and such party shall be entitled to a reasonable extension of time for the performance of such obligations. Such delay shall not constitute a breach of the Contract, provided however that if such delay continues for a period in excess of 30 days, the party not in delay shall be entitled to terminate the Contract forthwith by written notice to the other party.
15.7 Waivers. No delay or failure by us in exercising or enforcing any of our rights or remedies under the Contract will prejudice or restrict our rights, nor will any waiver of rights operate as a waiver of subsequent rights.
15.8 Survival of Clauses. In the event that any clause of the Contract is held to be invalid by any court having jurisdiction over the Contract, that clause may be deleted from these Conditions and the remaining clauses shall continue to be, to the extent that they are unaffected by the deletion, valid and binding on the parties hereto.
16.1 In these Conditions:
"Contract" means the contract between us and you for the provision of the Service as constituted and evidenced by the Registration Form, the Confirmation and these Conditions;
"Commencement Date" means the date on which a contract is deemed to be formed pursuant to clause 2.1;
"Conditions" means the standard terms and conditions set out in this document;
"Confidential Information" means information passing between us and you which has been disclosed to or otherwise obtained by one party by the other, which has been expressed to be confidential or which would appear to a reasonable person to be confidential;
"Intellectual Property Rights" or "IPR" means all patents, registered designs, and applications and the right to apply for any of the foregoing, copyright, design right, topography and mask rights, database rights, utility model rights, rights in the nature of copyright, know-how, rights in proprietary and confidential information, rights in inventions and all other industrial, commercial and intellectual property rights and all other rights or forms of protection having equivalent or similar effect to any of the foregoing arising anywhere in the world;
"Losses" means loss of revenue, pure economic loss, loss of actual or anticipated profits, loss of the use of money, loss of anticipated savings, loss of business, loss of opportunity, loss of goodwill or loss of reputation;
"Order" shall have the meaning attributed to it in clause 3.2;
"Personal Data" means "personal data" as defined in the Data Protection Act 1998;
"Registration Form" means the online registration form which you complete on and submit to us via the Site which refers to these Conditions;
"Report" means a report which will allow you to assess the credit status of a Tenant;
"Report Information" means any information or data appearing any Report;
"Service" shall have the meaning attributed to it in clause 3.1;
"Site" means the Lettingref.co.uk website, accessible via (among others) www.Lettingref.co.uk;
"Site Information" means the images, graphics, photographs, text, animations, videos, applets, logos, computer programs, computer code and scripts operating within, or which form part of, the Site;
"Site Rules" means such rules, directions and guidance in respect of the use of the Site as we may advise you from time;
"third party" means any person other than us or you;
"Tenant" means the individual specified as such in your Order;
"Tenant Reference" means a search of the information contained in the databases and information sources to which we have access with a view to producing a Report;
"Tenant Reference Form" means a form entitled as such, which shall always be in a form determined by us from time to time, which is available for download from the Site;
"We" or "us" means Letting Services Online Ltd, trading as inter alia "Lettingref.co.uk", a private limited company incorporated in Scotland under the Companies Acts with registered number SC450219 and having its registered office at 26 Dublin Street, Edinburgh, EH3 6NN and words like "our" shall be construed accordingly;
"Working Days" means all days other than Saturdays, Sundays and public holidays and "Working Day" shall be construed accordingly;
"Writing" includes electronic mail, facsimile transmission and similar means of communication; and
"You" means the person who is the applicant on the Registration Form;
"Your Account" shall have the meaning attributed to it in clause 6.1.
16.2 In these Conditions:-
(a) reference to any statute or statutory provision shall include a reference to any statute or statutory provision which amends, extends, consolidates or replaces the same or which has been amended, extended, consolidated or replaced by the same and shall include any orders, regulations, instruments or other subordinate legislation made under the relevant statute or statutory provision;
(b) the singular includes the plural and the masculine includes the feminine and vice versa;
(c) references to persons shall include bodies corporate, unincorporated associations and partnerships;
(d) references to any "clause" or "sub-clause" are references to clauses and sub-clauses of these Conditions, unless otherwise specified;
(e) the headings to Clauses are for convenience of reference only and shall not affect the interpretation of these Conditions;
(f) reference to any party in these Conditions shall be deemed to include a reference to its successors, permitted transferees and permitted assignees; and
(g) nothing shall confer or be construed as conferring any rights on any third party.
17. GOVERNING LAW AND JURISDICTION
The provisions of these Conditions shall be governed by and construed according to the law of Scotland and the parties hereto prorogate the exclusive jurisdiction of the Scottish courts.
Letting Services Online Ltd (a company incorporated in Scotland under the
Companies Acts (company number SC450219)) and having its registered
office at Exchange Tower, 19 Canning Street, Edinburgh,EH3 8EH),
and each of its subsidiaries, holding companies and associated
companies from time to time (hereinafter referred to collectively
as "the Lettingweb Group"), is committed to ensuring that your
privacy is protected when personal information about you is
provided to it. Throughout the remainder of this Privacy
Policy references to:-
- "we" or "us" shall mean Letting Services Online Ltd and/or any other
member of the Lettingweb Group from time to time;
- "you" shall mean the user of this website (which may include
Customers, Tenants and Guarantors);
- "Customers" means the persons who are registered users of this
website and "Customer" shall mean any one of them;
- "Guarantors" means those individuals who may be required to
guarantee the rents payable by Tenants to landlords and whose
personal information is supplied to us (whether via the Website or
otherwise) by a Customer or by Tenant and "Guarantor" shall mean
any one of them;
- "the Services" means the services made available to Customers
via the Website but in particular shall include the tenant vetting
service (which involves, among other things, of obtaining of credit
information in respect of Tenants and Guarantors (as the case may
be)) and the service of arranging for policies of insurance for
Customers and/or Tenants;
- "Tenants" means those individuals who are existing tenants or
prospective tenants of Customers whose personal information is
supplied to us (whether via the Website or otherwise) either by
Customers or by the tenant or prospective tenant themselves and
"Tenant" shall mean any one of them; and
appears, accessible at www.Lettingref.co.uk and
- the types of personal information which we hold and
- the purposes for which we hold and process personal
- how we use the personal information which we hold;
- for how long we hold personal information; and
- the procedures we have in place to protect your privacy.
By using the Website, you are accepting the terms of this
We welcome your views about any of our websites and our Privacy
Policy. If you would like to contact us with your views,
please email email@example.com
2. What Personal Information Do We Hold and Process?
We hold the following types of personal information:
- information which you voluntarily provide to us (via the
Website or otherwise) which may include the following types of
information (without limitation):-
- your name, gender, telephone number(s) and e-mail address(es));
- details of your current address and previous addresses at which
you have lived
- details about your finances and credit history;
- your date of birth; and
- your current occupation, details of your current employer and
details of your employment history.
- information about your use of the Website (including your IP
(internet protocol) address);
- if you are a Tenant or Guarantor, information about you
provided to us by third parties (such as our Customers, credit
reference agencies, fraud prevention agencies and insurance
reference agencies), which may include without limitation:-
- all of the types of information listed above which you might
have otherwise provided to us directly
- whether you have any adverse credit history;
- whether you have had any County Court Judgments or similar
legal judgments against you;
- whether you have every been declared bankrupt;
- details of any previous addresses at which you have lived;
- references given by your previous employers and/or landlords;
- details of previous insurance claims;
- copies of documents provided by our Customers such as your
birth certificate, passport, utility bills, bank statement and
- information which we obtain from public sources, such as the
3. For What Purposes Do We Hold and Process Personal
We hold and process information which you provide to us:-
- for our own administrative, sales, marketing and product /
service development purposes;
- to enable us to provide the Services;
- subject to section 8 below, for direct marketing purposes;
- for the prevention of fraud and money laundering;
- for debt recovery purposes;
- if you are a Tenant or Guarantor:
- to make credit decisions about you which may involve credit
- to make judgments about your suitability to rent a property or
act as guarantor (as the case may be) and make recommendations
about such matters to Customers
Unless you object in writing to us at the time the relevant
personal information is collected, you consent to our use of the
Unless we have your prior consent, we
shall not sell, rent, trade or share any personal
information which we hold except that:
- we may disclose information which is held by us where required
to do so by law or in connection with legal proceedings;
- we may disclose aggregate statistics to third parties which are
made up from statistics in respect of individual persons but these
statistics will not include personally identifying
- we may disclose personal information to our legal, accounting,
marketing or other professional advisers, our website hosts and our
courier, postal or transport providers, and insurers (names and
addresses only in the latter case);
- if you are a Tenant or Guarantor:-
- we may also disclose your personal information (including
details about your financial history and credit worthiness) to
- we may also disclose your personal information to credit
reference agencies and fraud prevention agencies;
- we may also disclose your personal information to other
agencies who maintain/compile databases of insurance claims and
information for the purposes of sharing that information with
providers of credit and insurance ("Insurance Reference
- we may also disclose your personal information to insurers
and/or insurance agents;
- we may disclose your personal information to third parties
(such as your existing employer, previous employers, existing
landlord and previous landlords) for the purposes of obtaining a
reference about you from such persons;
- if you are a Customer:-
- we may also disclose your personal information to insurers
and/or insurance agents;
- we may disclose your personal information to Tenants and
- we may disclose personal information to our agents and service
- we may disclose personal information to other members of the
Should we wish to use your personal information for a purpose
seek your consent.
We will ensure to take all reasonable steps to keep accurate and
up to date any information which we hold about you. If, at any
time, you discover that information held about you is incorrect,
you should contact us firstname.lastname@example.org to
have the information corrected.
4. For How Long Do We Hold Personal Information?
We will not hold on to any personal information for any longer
than is reasonably necessary for the purposes noted above.
5. What Procedures Do We Use to Protect Your Privacy?
We undertake to process the personal information which we
collect in accordance with the principles of the Data Protection
Act 1998 and other applicable laws relating to data protection
which may be in force from time to time.
We have strict security procedures covering the storage and
disclosure of your information (although we do not warrant that
this is the case) in order to prevent unauthorised access.
This means that we may ask for proof of identity before disclosing
personal information to you.
We hold computerised and electronic personal information on
computers and/or CD-ROMs held at the address noted below and/or a
server which is managed remotely by Rackspace Managed Hosting, 2
Longwalk Road, Stockley Park, Uxbridge, Middlesex UB11 1BA. We also
hold tangible (or 'hard copy') personal information at the address
noted below. From time to time, certain CD-ROMs or tangible
(or 'hard copy') personal information may be transported by us to
or from the address noted below.
The Website contains links to other websites. Equally,
other websites may provide links to the Website. Please be aware
that we are not responsible for the privacy practices of such other
websites. We encourage you to read the privacy policies, if
any, of each and every website which you use.
Please note that the Internet is not a secure medium. When
submitting personal information to us using the Internet, your
details may not be secure from access by third parties. The
submission of personal information to us using the Internet is
therefore made at your own risk.
You are entitled in law to receive a copy of personal information
or data about you which is held by us on payment of £10 (or such
other sum as may be prescribed by law from time to time).
We will also, on written request from you, amend any personal
information which we hold about you. Where we amend the
personal information which we hold about you, we will generally
retain a copy of the previous version for our records.
However, as noted above, we will not hold on to any personal
information for any longer than is necessary for the purposes noted
Our contact details are as follows:
Letting Services Online Ltd
26 Dublin Street
Tel: 0845 855 8555
Please note that, if you are under 16 years old, you must
provide us with the name and address of your parent or
guardian. We will let him or her know that you are providing
us with personal information and seek any necessary consents from
him or her.
6. Important information for Tenants and Guarantors
Where you (or, if you are a Tenant or Guarnator, a Customer)
voluntarily supply details of third parties to us (such as your
existing or previous employers, and your existing or previous
landlords), we may contact those third parties with a view to
verifying any information which we have been provided about
You hereby agree that we or our agents may search the databases
of third party data providers such credit reference agencies and
Insurance Reference Agencies for the purposes described at section
We may use your personal information to make credit decisions
about you and/or to make judgments about your suitability to rent a
property or act as guarantor (as the case may be) and make
recommendations about such matters to Customers. To make or
assist in the making of such decisions and recommendations, we may
use a process call credit scoring and/or other automated decision
making processes. Your personal details will be passed to our
Customers, who may use that information to make similar decisions
and recommendations about you. They in turn may pass your
personal information to the landlord of the property which you
propose (or, if you are the Guarantor, the Tenant whose obligations
you are prospectively guaranteeing proposes) to rent.
As explained above, if you are a Tenant your personal details
may be passed on to credit reference agencies and Insurance
Reference Agencies. Such agencies may record the search and
such information may be shared with credit grantors, insurers other
persons making a search against you in future and be used for
credit decisions and insurance decisions and fraud prevention.
In the event of you defaulting on rental payments in terms of
any lease or tenancy agreement which you may have with a Customer,
such information may be supplied to credit reference agencies and
Insurance Reference Agencies.
7. Direct Marketing
We operate a policy of 100% opt-in marketing. The contact
details you provide (such as your telephone number, fax number,
postal address and email address) may be used by us to send you
information about products and services. Your contact details
may be provided to third parties for the purposes of direct
marketing. Your contact details will only be used in this way
if you have previously indicated your consent to receiving such
You may opt-out from receiving such messages from us at any time
by sending an email email@example.com
the word 'UNSUBSCRIBE' in the subject or by writing to the address
above. Where you have consented to receiving such message
from third parties you will need to contact those third parties to
opt-out of receiving such messages from them.
All marketing messages sent to you by us will contain a
statement re-iterating these instructions as to how to opt-out.
8. Fraud Prevention Agencies
If false, inaccurate or misleading information is provided and
fraud is identified, details may be passed to fraud prevention
agencies. Law enforcement agencies may access and use this
information. We and other organizations may also access and
use this information to prevent fraud and money laundering, for
- checking details on application for credit and credit related
or other facilities;
- manageing credit and credit related accounts or
- recovering debt;
- checking details on proposals and claims for all types of
- checking details of job applicants and employees.
Our websites, including the Site, make use of "cookies". Cookies
are data that a web site transfers to an individual's hard drive
for record-keeping purposes. Cookies, which are industry standard
and are used by most web sites, including those operated by us, can
facilitate a user's ongoing access to and use of a site. They allow
us to customise the Sites to your needs. If you do not want
allow you to easily deny or accept the cookie feature. You should
refer to the documentation for your particular web browser for
instructions as to how to prevent websites using cookies on your
computer. However, you should note that cookies may be
necessary to provide you with some features of our on-line