2 General terms
2.1 These Conditions are governed by English Law and you agree to submit to the exclusive jurisdiction of the English Courts.
2.2 This Site is not intended for distribution to, or use by, any person in a country where such distribution or use would be contrary to local laws or regulations or would create obligations on Us which exceed those imposed on Us by English law.
2.3 Nothing in the Conditions shall affect your statutory rights under English law.
2.4 The Site is provided to you in order to give you access to its content and for you to make use of the facilities provided by the Site for their various purposes. You may download or print copies of the content of this Site for the purposes for which access to the Site is granted and for no other purposes unless you have Our written permission.
2.5 We are continually seeking to update and improve the Site. Therefore We may make changes to any part of the Site without notice. These may include changes to these Conditions and you will be bound by any changes to these Conditions the next time you access the Site.
2.6 No purported modification by you of these Conditions will be effective unless We have been notified in writing to Our registered address (which notification must expressly refer to this condition 2.6) and unless We have expressly approved of the purported modification.
2.7 If any of these terms and conditions is held to be invalid for any reason, such invalidity will not affect the rest of these terms and conditions which will remain valid and enforceable in all respects.

3 Copyright, Trademarks and Intellectual Property Rights
3.1 For the avoidance of doubt, the copyright, trade marks, domain names and other intellectual property rights (Intellectual Property Rights) in all material and information on the Site ("the Content") belongs to Us or (if it has been licensed to Us) to the licensor. All rights are reserved.
3.2 The copyright in this Site is owned or licensed to Us. Reproduction is limited to downloading to a local hard disk for your personal use (or printing for your personal use). The content of this website may not be copied or otherwise incorporated into or stored in any other website, electronic retrieval system or in any other publicly available form without Our prior written consent.
3.3 Any copying or adaptation of the Content, layout or code of this Site, or the creation of an archive or database containing the Content (in whole or in part) for any business purpose or other commercial exploitation other than for the immediate purpose for which you have been given access and without our written consent is prohibited and will constitute copyright and /or Trademark infringement.
3.4 If you do download or print copies of the Content you must retain any copyright or other intellectual property notices contained in the original.
3.5 All of Our logos and associated phrases used on this Site are Our trademarks and should not be used without Our prior written consent.
3.6 No links to this Site are permitted without Our prior written consent.
3.7 If you have any questions concerning Intellectual Property Rights relating to this Site please contact Us at info@completecreditmanagement.com.

4 Disclaimers and Limitations of Liability
4.1 Any disclaimers or limitations of liability apply to the fullest extent permitted by law. For the avoidance of doubt, this shall not limit our liability for fraudulent misrepresentation or personal injury or death to the extent that it is directly caused by our negligence.
4.2 You must ensure that any software downloaded from this Site or from the Internet is suitable for use on your computer and that it is free from viruses. It is solely your responsibility to virus check any software loaded from this Site and to check that it is compatible with your computer. We can accept no responsibility for any damage caused to you or to any third parties by any material that you download from this Site.
4.3 The Site is provided to you on an 'as is' and 'as available' basis. We cannot warrant that use of this Site will be uninterrupted or error-free or that it will be continuously available. If you place reliance on the availability or content of this Site, then this is at your sole risk.
4.4 We have endeavoured to ensure that the information contained in this website is accurate. However no representation or warranty, express or implied, is made as to its accuracy and it should not be relied upon. We accept no liability for any loss, howsoever caused, arising from such reliance.
4.5 Where goods or services are purchased via this Site Our liability shall be limited as provided by the Terms and Conditions applicable to each purchase.
4.6 You must ensure that any software downloaded from this Site or from the Internet is suitable for use on your computer and that it is free from viruses. It is solely your responsibility to virus check any software loaded from this Site and to check that it is compatible with your computer.
4.7 By accessing this Site you agree that we will not be liable to you or any third party for any errors or delays in accessing or using the Site or for any actions taken in reliance on it.
4.8 You also agree that we will not be liable for any direct, indirect or consequential loss arising from the access or use of the Site or from your access or use of other material on the internet via web links from this Site. For the avoidance of doubt, where you use this Site for business purposes we will not be liable for any loss of business, profits, contracts, goodwill and/or any other economic loss.
4.9 Hypertext links within this Site may cause you to leave Our Site and access other websites not under Our control. We do not monitor the content of third party websites and any links provided on the Site are for your convenience only. We make no representation or warranty as to the content of such third party websites. We exclude all liability for any third party material made available on the Site or contained on any third party website that it links to. Any contract concluded with a third party company will be between you and that company only and will be subject to their terms and conditions. You are responsible for viewing and abiding by the privacy statements and terms of use posted at the linked sites.
4.10 Our aggregate liability for any loss or damage incurred as a result of the use of this Site shall not exceed a total of £50,000.

5 Security Management
5.1 This section (section 5 in its entirety) is only applicable if you are permitted access to those parts of this Site which are only accessible via the use of a secure access mechanism. Such a secure access mechanism may be a combination of user identifier and password or any other mechanism which is intended to provide a unique form of identification of an individual or organisation (the "Password").
5.2 By accessing part or parts of this Site by means of your Password, you accept full responsibility for any activity at using your Password. You agree to ensure that there are adequate security arrangements to protect your Password from use which is not authorised by you.
5.3 You agree to notify Us at info@completecreditmanagement.com immediately of any unauthorised use of your Password, or of any other breach of security.
5.4 We will not be liable to you for any losses you (or any third parties) may suffer as a result of the incorrect use of your Password, or if your Password is lost.
5.5 We reserve the right, in Our absolute discretion, to terminate or restrict your access to this Site at any time and without notice.
5.6 We reserve the right to terminate your account and withdraw your password and user name immediately if, at any time, we have reason to believe that you are in breach of these Conditions.
5.7 If you wish to terminate the use of your Password, then please e-mail Us at info@completecreditmanagement.com and we will remove the relevant records from our database as soon as is practicable.
5.8 Termination notices will be deemed to have been served one hour after transmission by e-mail and 3 working days after despatch by post.
5.9 You are responsible for notifying Us of any change to your e-mail address, and, where provided to Us, your postal address. If We have terminated the agreement between us, and you would like to know the reasons for the termination, please contact Us at info@completecreditmanagement.com.
5.10 Unless otherwise stated, information transmitted through this Site is not encrypted and could be intercepted by third parties or electronically delivered to parties other than the addressee. Any such information is sent at your own risk and you should therefore consider its sensitivity before sending it.
5.11 We are committed to protecting your privacy and ask that you read Our Data Protection and Privacy Policy before providing us with any of your personal details. Notwithstanding paragraph 5.2 above, where we ask you to provide personal data to Us, We will take steps to protect any information you provide while it is in transit to Us. Such steps will normally include the use of an encryption mechanism.

Data protection & privacy policy
Issue Date: August 2004

1 Introductory Terms
1.1 In the following statements 'We' 'Us' and 'Our' refer to Complete Credit Management Limited (“CCML”).
1.2 We are committed to protecting your privacy and We therefore ask that you read this Policy before providing Us with any Personal Information.

2 Introduction
2.1 The Data Protection Act 1998 (the "Act") came into force on 1st March 2000. It contains safeguards to ensure that organisations handle personal information fairly and lawfully, and gives individuals important rights to access data held about themselves, and to have such data amended if found to be inaccurate.
2.2 In order to operate successfully, We collect and use personal information about groups of people with whom We have had or may have dealings, including employees, suppliers and clients/customers. In addition, We may occasionally be required by law to collect and use certain types of information to comply with the requirements of Government departments.
2.3 We are required to notify the Information Commissioner of the types of personal data We process, including the purposes for the processing and to whom the data may be disclosed.
2.4 The lawful and correct treatment of personal information is very important to Us in order for Us to maintain the confidence of those with whom We deal.
2.5 Procedures are implemented to ensure that We process personal data fairly and lawfully, in accordance with the principles and requirements of the Act. For more information about the Act and the role of the Information Commissioner, please refer to the Information Commissioner's web site at www.informationcommissioner.gov.uk.

3 Our Use of Personal Information
3.1 We and other organisations which assist us in providing services to you will use information about you ('Personal Information') to provide and enhance Our services to you and for purposes ancillary to this.
3.2 If you need to provide Us with sensitive Personal Information (for example health information), you consent to Our processing of this information where necessary, for the purposes described above.
3.3 We may need to search the files of credit reference agencies who will record the search. We may share information about the way in which you conduct your account with other credit providers and credit reference agencies.
3.4 We may share the information We hold about you with other reputable organisations.
3.5 We or they may contact you by mail, telephone, e-mail, fax or other electronic means with offers of goods and services or other information which may be of interest to you. By providing Us with details such as a fax number which enable Us to contact you in these ways, you consent to being contacted in that manner for these purposes.
3.6 If you would prefer Us not to use your Personal Information for the purposes set out at paragraphs 3.4 and 3.5 above, please tick the appropriate box provided when your Personal Information is given to Us. Remember that if you do We will not be able to notify you of special offers and promotions or provide you with other information which may be of interest to you.

4 When might We Disclose your Personal Information to Others?
4.1 We will not disclose your Personal Information to third parties not referred to above except in circumstances which are permitted by law, such as the following:
(a) Where We are required to do so by courts of law or to comply with other legal obligations including accounting and taxation requirements
(b) To detect and/or prevent crime
(c) For credit reference purposes

5 When might We transfer your Personal Information Abroad?
5.1 For the purposes described above, We may sometimes need to transfer your Personal Information to other countries. Unless you inform Us to the contrary by contacting Us at the above address, your consent to the use of your Personal Information in terms of this Privacy Policy will also be taken as consent to transfer your Personal Information abroad.
5.2 If We do perform such transfers We will ensure that the requirements of the Act in relation to foreign transfers are complied with.

6 Monitoring
6.1 Please note that if you communicate with Us electronically, including by e-mail, telephone or fax, this communication may be randomly monitored or recorded to protect the interests of Our business and Our customers. This includes for the purposes of maintaining high quality standards, crime detection and/or prevention and to ensure that Our employees comply with legal obligations and Our policies and procedures (including customer relations practices).

7 Hyperlinks
7.1 We may provide hyperlinks from this web site ("the Site") to web sites of other organisations. Please note that different Terms & Conditions and privacy policies will apply to other web sites.

8 External Information Sources
8.1 We may on occasion obtain Personal Information from external sources such as credit reference agencies and other organisations with which We are associated or with which We conduct business.

9 Requests for access to Personal Information
9.1 We are happy, on request from you, to provide details of your Personal Information, including Personal Information which We have obtained from external sources. We may charge a small administration fee in relation to any requests for access to Personal Information. If you wish to request access to personal information, please write to the data protection adviser whose address you will find at the end of this privacy policy.

10 Information Updates
10.1 Please help us to keep your Personal Information current and accurate by contacting us at the address given at the end of this privacy policy if you notice that your Personal Information is inaccurate and/or out-of-date.

11 Security
11.1 As you may be aware, no data transmission over the internet can ever be entirely secure. As a result, while We will use reasonable endeavours to protect your Personal Information, We cannot guarantee the security of your Personal Information and the use of the Site (including any e-mail facilities) is at your own risk.

12 Changes to this policy
12.1 We request that you refer to the Site on a regular basis to ensure that you are aware of our most recent policies (including this Privacy Policy) and Terms and Conditions of Use of the Site.

13 Address for Correspondence
13.1 If you wish to advise Us of any changes to the Personal Information you have previously provided or notify Us that you no longer wish Us to use your Personal Information for the purposes set out at paragraphs 3.4 and 3.5 above, please write to:

The Data Protection Adviser
Complete Credit Management Limited
2297 Coventry Road
Sheldon
Birmingham
B26 3PU

13.2 Alternatively, you can send an e-mail to info@completecreditmanagement.com.

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