Welcome to The Credit Cruncher website.
This website and the information, materials and documentation contained in it are provided to you subject to the following terms and conditions.
Please read the terms and conditions below carefully as if you visit our site and/or purchase products or services from us you are deemed to have accepted them. If you do not accept our terms please leave the site now.
Copyright
The contents of this website (including all website design, text, graphics, the selection and arrangement thereof and all software compilations, source code, software and other material) are the copyright of The Credit Cruncher or its technology providers/contributors. You may view the site and print or download any part(s) of it for personal, non-commercial purposes only. However, you must not modify, copy, publish, transmit, display, perform, distribute, reproduce, license, create derivative works from, transfer or sell any information or other content, products or services obtained from this website without our prior written consent. This consent does not authorise you to incorporate any part of the information or material on this website in any other document or material without our prior written consent.
Privacy
This privacy policy covers this website which is operated by The Credit Cruncher.
Because we wish to demonstrate our commitment to our users' privacy, we disclose these details.
• What personally identifiable information is collected
• What personally identifiable information third parties collect through the Web sites
• How we use the information
• With whom we may share user information
• What choices are available to users regarding collection, use and distribution of the information
• How users can correct any inaccuracies in the information
If users have questions regarding our policies please contact us.
Privacy Policy
• The Credit Cruncher makes a commitment to protecting your privacy and promises only to use information collected about you in accordance with the Data Protection Act 1998 and the European Directive on Privacy and Electronic Communications (2002/58/EC).
• When you register with our website, we may ask you for certain information and you may submit personal data to The Credit Cruncher (for example your name, phone number, postal address, email address, contact and certain financial information). We may also record which products you are interested in and which links you pursue as well as customer traffic patterns and site use. This information will be kept securely in accordance with our internal security policy and may be used to:
- process your Order/Application;
- provide you with an up to date, efficient, and reliable service;
• By submitting your data you agree to this use.
• From time to time we also monitor and record telephone calls for training purposes and to improve the service to you.
• We will never collect sensitive information about you without your explicit consent. An example of sensitive information would be your religion or a medical condition.
• You undertake that all information that you provide is accurate and current.
• The Credit Cruncher may use the information or parts of it to notify you about features and/or events or related activities that you may find useful.
• Third party providers using the site may access traffic usage patterns but your personal use or information will not be identifiable unless it is with specific regard to an Order/Application.
• From time to time The Credit Cruncher may share this data with other reputable companies both within and outside the European Union who, together with The Credit Cruncher or not, may use the information or parts of it to occasionally notify you about The Credit Cruncher events or related activities that you may find useful, however if you wish for this not to happen please contact us. If you do not we will assume you are happy for us to do so.
• If you do not want The Credit Cruncher to collect or process your personal data, please do not submit it and if you have or you believe that we have data about you that is incorrect please contact us or write to us via the Contact page and the information will be corrected as soon as possible or removed from our database as you request.
Cookies
• Cookies are a means by which information relating to your Internet activity (such as whether you have visited a The Credit Cruncher website before) is recorded on your hard drive and used by us to improve the The Credit Cruncher websites and the products and services available to you.
• If you do not wish for us to use cookies when you use this site please adjust your Internet browser settings to not accept cookies.
• Your computer's help file should tell you how to do this. Alternatively visit www.dma.org.uk for information on how to do this.
Links
When you access a non-The Credit Cruncher link, please understand it is independent from The Credit Cruncher and that we have no control over the content of that web site. Whilst we believe such sites may be of interest to you, we do not endorse or accept any responsibility for the content or the use of such websites. Links are therefore made at your own risk and The Credit Cruncher accepts no liability for any linked sites. Users must also take their own precautions to ensure what is selected for use is free of such items as viruses, worms, trojan horses or other items of a destructive nature. The Credit Cruncher do not permit links to be made to this website without our prior written consent.
Limitation on liability
The Credit Cruncher accepts no responsibility for and excludes all liability for damage and loss in connection with browsing this site, use of information on this site and downloading any material from it including but not limited to errors, inaccuracies, omissions and misleading or defamatory statements, whether direct or indirect or consequential.
Whilst we believe the contents to be true and accurate as at the date of writing we can give no assurances or warranty regarding the accuracy currency or applicability of any of the content in relation to specific situations or particular circumstances.
Please do not send confidential or proprietary information from you through our web site. Any material, information or other communication you may transmit to the web site other than your personal information will be considered non-confidential and non-proprietary. You are prohibited from posting or transmitting to or from the site any unlawful, threatening, libellous, defamatory, obscene, pornographic or other material that would violate any law.
Alteration of Terms
We reserve the right to make changes to our site, our policies and these terms and conditions of use at any time.
General
These terms and conditions constitute the entire agreement between you and The Credit Cruncher relating to the use of this website and to the purchase of our services and supersede all other agreements or understandings between users and us.
If any provision in these terms and conditions is deemed to be illegal or unenforceable the rest of the provisions will remain in full force and effect.
These conditions are governed by and construed in accordance with the laws of England and Wales. You agree, as we do, to submit to the non-exclusive jurisdiction of the English courts.
Data Protection
We guarantee that any information you give us about your situation will be kept strictly confidential. As required by the Data Protection Act we will keep your details in our systems for 6 years. You have the right to request a copy of your file by writing to us. If you do not wish us to keep your details on file please let us know. We will assume that you agree to this if we do not hear from you.
Confidentiality
By using our e-mail enquiry form we assume that you agree to us replying to the e-mail address that you have given us. Please be aware that our e-mail software allows us to view the return e-mail address that you have given us.
Please be aware that if you share an e-mail address at home or at work the reply may not be completely confidential. Please also note that our e-mail address maybe automatically recorded in your e-mail address book.
Disclaimer
While every reasonable effort is made to ensure that the information provided on this site is accurate, no guarantees for the currency or accuracy of information are made.
This website and material relating to information, products and services (or to third party information, products and services), is provided 'as is'. It is provided without any representation or endorsement made and without warranty of any kind, whether express or implied, including but not limited to the implied warranties of satisfactory quality, fitness for a particular purpose, non-infringement, compatibility, security and accuracy.
The Credit Cruncher does not accept any responsibility for any loss, disruption or damage to your data or your computer system which may occur whilst using material derived from this website. The Credit Cruncher does not warrant that the functions contained in the material in this site will be uninterrupted or error free. Also, The Credit Cruncher does not warrant that defects will be corrected, or that the The Credit Cruncher site or the server that makes it available is free of viruses or represent the full functionality, accuracy, and reliability of the materials.
In no event will The Credit Cruncher be liable for any loss or damage including, without limitation, indirect or consequential loss or damage, or any loss or damages whatsoever arising from use or loss of use of, data or profits arising out of or in connection with the use of the The Credit Cruncher website.
These Terms and Conditions shall be covered by and construed in accordance with the laws of England and Wales. Any dispute arising under these Terms and Conditions shall be subject to the exclusive jurisdiction of the courts of England and Wales. |
