Terms of Use

Please read carefully.

Access to this website is subject to these Terms and Conditions ("Terms"). By using this website, you agree to be bound by these Terms, forming a binding contract between you and Verify Online Ltd ("We", "us", "our"). These Terms contain your legal rights and important obligations. If you do not accept these Terms in full, please leave this website.

Definitions

• "1 month period": The initial thirty days of your subscription to our Credit Report Services, available without upfront payment or with a £2.00 verification fee. This period starts on the day you sign up and ends 1 month thereafter. You may cancel at any time during this period by logging in, or contacting us via our contact us page A cancellation reference code will be provided in confirmation.
• "Credit Report Services": The online provision of your Credit Reports by us, as part of a subscription service or otherwise.

General Terms

Use of this website is subject to the laws of England & Wales and these Terms. You may have other consumer rights granted by law, and these Terms do not affect such rights. You must be over 18 years of age to use this website.

If you provide us with information via this website, you consent to us storing a "cookie" on your computer to remember your preferences.

If you use our Credit Report Services, you agree to appoint Verify Online Ltd as your attorney for the specific purposes of exercising your statutory rights to obtain details of all information held about you at any or all UK Credit Reference Agencies.

Payments made for Credit Report Services are non-refundable due to the bespoke and customised nature of the information provided. This falls within the exemption to the right to cancel as defined in s28(1)(b) of the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013.

Subscription and Cancellation

This is a subscription service. You can cancel your subscription during or after the 1 month free period without penalty and without giving any reason by contacting us online through your account settings. A confirmation reference number will be provided upon cancellation. If you do not receive a confirmation reference number, contact us immediately to ensure your subscription has been cancelled.

In addition to your contractual rights to cancel your subscription at any time, you have the right to cancel within 14 calendar days without penalty and without giving any reason as set out in the Financial Conduct Authority's Consumer Credit Sourcebook (CONC 11.1).

If you cancel your subscription, your card details will be stored for up to 12 months to enable you to restart your subscription. You can request the removal of your stored card details at any time after cancellation by emailing us.

If you do not cancel within the 1 month free period, you authorise us to charge your credit or debit card for the renewal subscription at each appropriate interval after your initial purchase. The 1 month free period offer is available only to new customers on a one-time basis.

The initial subscription payment is taken as an administration fee. Subsequent payments are taken in arrears on the same date each month ("due date"). If payments fall due on the 29th, 30th, or 31st, payment on shorter months is taken on the last day of the month and then reverts to the due date for subsequent payments.

The prices for Credit Report Services include all taxes, including VAT.

We will endeavour to keep your subscription at the initial rate, but we reserve the right to increase the price. In such an event, we will inform you by email at least 14 days before the new subscription rate takes effect.

If your card details change and we obtain new card details from your card issuer, you authorise us to charge the replacement card until you cancel your subscription.

If your subscription payment fails and you have provided a back-up payment method, we may attempt to take the missed and future payments from the back-up payment method until you advise us otherwise or until your subscription is cancelled.

If we remain unable to obtain payment, your Credit Reports will no longer be updated, and you will no longer have the benefit of the Dispute Resolution Service until payments are restored.

You agree that we may continue to try to take payment until you cancel your subscription or until we deem it unreasonable to continue, whichever is sooner. If we successfully obtain payment, the due date for subsequent payments will be amended to the same day of the month that a successful payment was last made.

To get the most from your Credit Report subscription and to identify errors or signs of identity fraud early, we recommend that you log in and refresh your Credit Reports regularly.

The credit history you see on Credit Reports is provided by lenders who typically update the status of accounts reported on your Credit Report to the Credit Reference Agencies no more frequently than once each month.

Whenever you log in, we will advise you on screen if we can give you the option to update any part of your Credit Report.

If you do not refresh your Credit Report by clicking the appropriate update button for more than one month, we will delete your old Credit Report, and your Credit Report will be automatically refreshed when you next log in.

You agree to use our service and your Credit Report solely for your private and personal use. You are not permitted to use our service for any other person, evenif you have their specific consent. If you have a Court Order or are acting under aPower of Attorney and believe you have a lawful right to access our services on behalf of a third party, please contact us before using this website.

Legal and Privacy

These Terms are a contract between you and us. If any part of these Terms is held by any competent authority to be invalid or unenforceable, the validity and enforceability of all other parts of these Terms shall not be affected. These Terms do not give any third party any rights under the Contracts (Rights of Third Parties) Act 1999. No third party shall have any rights to enforce any of the Terms.

If you have agreed to receive emails from us, you may opt out at any time by updating the Account Summary settings on your account. We do not sell your email address to any third party.

We provide online Credit Reports on a simplified basis to make it easier for you to understand the contents.

We provide you with the option to print your Credit Report. This is a further simplified version of your online Credit Report. If you decide to print your Credit Report, you agree to take additional precautions to store it securely and to destroy it when it is no longer required. After printing your Credit Report, you agree to close the document on your screen and remove any temporary or cached files containing the Credit Report from the computer you are using.

You acknowledge that a Credit Report from us, whether in online or printable format, is not the same in content or format as the Credit Report you would receive if you exercise your statutory rights to obtain a copy of your Credit Report from any Credit Reference Agency at any time or from any other online source.

We are the owner or the licensee of all intellectual property rights in our website and the material published on it ("Works"). The Works are protected by copyright laws and treaties around the world. All such rights are reserved.

You agree not to modify, reproduce, republish, copy, upload, adapt, post, transmit, reverse engineer, or distribute the Works, including but not limited to text, graphics, code, or software.

You agree that you will not use any of the information we provide, including Credit Scores, as the sole basis for any decision you may make.

Searches we make of Credit Reference Agencies will leave an enquiry footprint both in our records and at the Credit Reference Agencies we search. These are for your protection so that you may see who has been searching your Credit Report and when. Such enquiry footprints are not the same as those recorded by lenders when you apply for credit and do not affect your Credit Score or your ability to get credit.

From time to time, it may not be possible to obtain your information from a Credit Reference Agency. This is usually because the format of your address recorded at the Credit Reference Agency may be slightly different from the one you have provided us. If we cannot obtain your Credit Report from a Credit Reference Agency, it is highly likely that lenders using that Credit Reference Agency will also have difficulty obtaining your Credit Report. Your Credit Report will show if this has happened. We will automatically try to resolve the underlying issue and achieve success in most cases. If your information is not as complete as you would expect, please contact us.

We purchase information about individuals, properties, and neighbourhoods from other companies ("our suppliers"). Together with our suppliers, agents, and employees, we take no responsibility for the contents of any information we provide, its completeness, timeliness, or usefulness.

The information we provide may not be identical to that which can be obtained elsewhere. Our Multi Agency Credit Reports usually provide more account information data than can be obtained from any other source, but the information you see on a Credit Report may not be exactly the same as the information you may obtain from each of the Credit Reference Agencies individually.

Our Credit Scores are calculated by us on data supplied by TransUnion and enable you to compare your creditworthiness using the same yardstick. The Credit Scores that the Credit Reference Agencies produce themselves are each based on separate scorecards that cannot be directly compared to each other or to our Credit Scores.

You agree that you will not hold us, our employees, or any of our suppliers liable for any direct or indirect damages, costs, losses, or expenses resulting from the use or misuse of the information delivered by us.