TERMS AND CONDITIONS
The information below contains important points which You need to know about MediaBlanket Ltd t/a CreditKnowledge.co.uk and the service We provide. We request that You read the following Terms and Conditions prior to using this form, to ensure that You are satisfied with the service that We can offer You.
Definitions
“MediaBlanket” means MediaBlanket Limited
"Terms" means these terms and conditions
“TransUnion” means TransUnion International Limited (company number 3961870), authorised and regulated by the Financial Conduct Authority under number 737740, whose registered office is at One Park Lane, West Yorkshire, LS3 1EP. Authorisation can be checked on the Financial Services Register at www.fca.org.uk
"Users" means the users of the Website collectively
"User Information" means the details provided by You on any application via the Website
"We/Us/Our" means MediaBlanket Ltd
"Website" means the Website or any subsequent URL which may replace it which is used to access Our service
"You/Your/Customer" means a user of the Website
By using this Site, You are agreeing to comply with and be bound by the following terms of this Agreement. Please review the following terms carefully. If You do not agree to these terms, You have no right from MediaBlanket to obtain Information from or otherwise use this Site. In the event You fail to use this Site in accordance with the terms below We reserve Our right to take legal action or to report any mis-use to the relevant authorities.
As We will be providing a service to You, We will therefore have no obligation to any other party, only You. Please also be aware that if a third party uses Our services on behalf of You, Our obligation will still be with You being Our Customer. Furthermore, the Terms and Conditions will also relate to You, Our Customer, and not with any other third parties.
This Agreement constitutes the entire and only agreement between Us and You, and supersedes all prior or contemporaneous agreements, representations, warranties and understandings with respect to the Site, the content and software programs provided by or through the Site, and the subject matter of this Agreement. This Agreement may be amended at any time by Us without specific notice to You. The latest Agreement will be posted on the Site, and You should review this Agreement prior to each use of the Site.
If, after reading Our Terms and Conditions, You do not agree with the content then We request that You do not use Our service.
(1) Introduction
This site, CreditKnowledge.co.uk is a trading style of MediaBlanket Ltd, Registered in the UK 07949139. Registered address: MediaBlanket Ltd, Lloyds House, 18-22 Lloyd Street, Manchester, M2 5WA. Registered with the Information Commissioner's Office Z3334636. Authorised & regulated by the Financial Conduct Authority under Firm Reference No 723605.
(2) TransUnion
TransUnion provides Us with data that We use to provide Our services to You.
When receiving all of the relevant information which You have provided when You apply to use Our service, We will provide access to Your personal credit report, Your credit score, and other services (as outlined below).
Please note that MediaBlanket is not a credit reference agency – We submit requests to Our trusted third party partner, TransUnion, to enable Us to provide You with the Credit Reporting Services. For further information, please refer to Our Privacy Policy. You can view TransUnion's privacy policy here.
(3) Our Services
You need to apply online at www.CreditKnowledge.co.uk and create an account with Us in order to receive the Credit Reporting Services. On completion of the online application form, and the successful submission of Your payment details, You will be presented with an onscreen message confirming whether or not Your application has been successful.
You will be required to successfully pass an authentication process before You are granted access to Our services.
Unfortunately, not every applicant for the Credit Reporting Services will be accepted as a user. There is no obligation on Us to notify You as to why You have not been accepted. However, possible reasons for this include:
- At the time of application, TransUnion may have not been able to match Your personal details to the correct credit report
- You did not have enough of a credit history on Your credit file to provide a credit report
Credit Report
The credit report will be provided to You online. This will be updated when You log into Your account.
Credit Rating
An overview of Your credit rating will be available to You online. Your credit rating is an assessment of Your credit worthiness based primarily upon Your history of borrowing and repayment.
Credit Score
Your most recent credit score will be available to You online and is updated when You log into Your account. Your credit score is an indicator of how good Your credit history is, and what the likelihood of obtaining credit is.
(4) INTELLECTUAL PROPERTY & LIMITED RIGHTS OF USE
All the copyright and material on this Website is owned by MediaBlanket Limited and is protected by the copyright and trademark laws of the United Kingdom. You are permitted to copy any such information for Your own personal use but may not republish, store or reproduce any such information in any manner, including but not limited to electronic reproduction, without the prior written consent of MediaBlanket Limited.
Any unauthorised downloading, retransmission, or other copying or modification of any of the contents of this form may be in breach of statutory or common law rights which could be the subject of legal action. MediaBlanket Limited disclaims all liability which may result from any unauthorised reproduction or use of the information on this form.
(5) SITE ACCESS
At Our sole discretion, We reserve the right to change, edit or delete any information, document or any other content appearing on the Site. Your right to use the Site is not transferable, and any right or password provided to You to obtain details or documents from the Site is not transferable. All information must be treated as confidential by You, and its disclosure to any third party is not permitted. If in Our opinion, You have failed to comply with any of the provisions in this Agreement, whether chosen by You or allocated by Us, We reserve the right to disable any password, at any time.
(6) OUR LIABILITY AND DISCLAIMERS
As far as is reasonably practicable, We will endeavour to ensure the accuracy of any material displayed on Our site.
Under no circumstances will MediaBlanket Ltd or its third-party partners or agents or employees therefore be liable to Your or anyone else for action taken or decision made by relying on the information on this Site or for any special, consequential or similar damages.
A credit score and credit report is an indication of Your financial position. If using Your credit report and/or credit score to obtain credit, You must ensure that You are able to afford to make the repayments when they are due.
Should You believe that any details on Your credit report are inaccurate, then please raise a query by using the online process, accessible via Your credit report. This raises a dispute with TransUnion, and if they agree that the information is inaccurate, they can make the necessary amendment(s).
We will not be liable (other than negligent or fraudulent misrepresentations) for any economic losses (including without limitation loss of data, contracts, revenues, profits, business or anticipated savings), loss of reputation, or indirect or special losses suffered or incurred by You.
(7) LINKS TO OTHER WEBSITES
The Site may contain links to third-party Websites. Such third-party links are only provided as a convenience to visitors of the Site, and the inclusion of a link does not imply approval or endorsement of the linked site by Us. We are not responsible for the content, privacy policies, available computer programs or opinions expressed on these Websites, and nor do We control, investigate, monitor or check such Websites.
We are unable to guarantee or warrant the content and/or accuracy of third-party links displayed and/or accessed from Our site and no representations are made by Us as to the accuracy or any other aspect of the information contained in other sites.
Should You leave the Site and access any third-party Websites, this is done at Your own risk and You should refer to the Websites' terms and conditions, including their privacy policy, prior to using their services or submitting any personal data to them.
(8) SITE SECURITY
No responsibility is accepted by Us for the corruption or loss of any material in transit, or the corruption or loss of any material when downloaded onto any computer system.
You must not misuse Our site by knowingly introducing any malicious or technologically harmful material, including but not limited to, trojans, logic bombs, trojans or viruses. You must not attempt to gain unauthorised access to Our Site, the server where Our Site is stored, or any other server, database or computer connected to Our site. You must not attack Our site via a distributed denial-of-service attack or a denial-of-service attack.
Should You mis-use Our Site and if We believe that offences may have been committed under the Computer Misuse Act 1990, We may inform the relevant authorities and bring legal action. Where such a breach is reported by Us to the relevant law enforcement authorities, We will co-operate and disclose Your identity to them. We do not accept any responsibility for any connection or equipment failures which affect Your access to / use of the site, or for security of the same.
The security of Your own computer systems and the transfer of any information from it is Your responsibility.
(9) PRIVACY
Our Privacy Policy applies to the use of Our Site and its terms are made a part of this Agreement by this reference.
We will only process information about You in accordance with the Privacy Policy. When You use Our Website and form You consent to Us processing Your personal information and therefore warrant that all information/data provided by You is accurate and correct. Please familiarise Yourself with the details within Our Privacy Policy prior to submitting Your application.
(10) SITE INFORMATION
The Site contains Information about Us, Our business and Our services, including links to third-party Websites that contain such Information, which are being provided as a convenience to visitors of the Site.
At the time the Information was prepared by MediaBlanket Ltd, it was believed to be accurate, however, We disclaim any obligation or duty to update any Information. Any information concerning companies other than MediaBlanket Ltd should not be relied upon as being endorsed or provided by Us.
Any opinions expressed in any Information, including by employees and agents of MediaBlanket Ltd, are those of the author(s) and do not necessarily reflect those of MediaBlanket Ltd.
In regard to Information contained in links to third-party Websites, please refer to Links to other Websites above.
(11) SITE VISITOR COMMUNICATIONS
Unless stated otherwise by Us, all feedback, comments, information or materials that You submit via or in association with the Site are considered non-confidential. By submitting feedback, comments, information or material to Us:
- You grant MediaBlanket Ltd all necessary rights, including a waiver of moral and privacy rights to use all feedback, comments, information or materials, wholly or partly, or as a derivative work, without any obligation or consequential duty arising on MediaBlanket Ltd to anyone whatsoever
- You warrant and represent that You have all rights to enter into this Agreement
- You warrant and represent that MediaBlanket Ltd’s use of Your submission will not and does not breach any agreement, infringe any third party’s rights or violate any law
MediaBlanket Ltd does not accept any unsolicited works, ideas or other materials and You acknowledge that You are responsible and bear all risk to the distribution or use of any works, ideas or materials.
We prohibit the scraping of email addresses from any MediaBlanket Ltd Website (all areas of this site) and We expressly opt out of from receiving commercial emails to MediaBlanket domain email addressed that were obtained by violating the above or through the use of automatic address generation software.
(12) ELIGIBILITY
The Information contained in this Website is subject to the UK regulatory regime and is therefore intended for consumers based in the UK. This site is available to UK Residents only aged 18 years and over and information contained on Our Site does not amount to an invitation to clients who are under 18 to buy any services or products and/ or are not a UK resident.
By registering on the Site and applying to use the Credit Reporting Services, You confirm that You meet these requirements.
A separate agreement to be entered into at the time of subscription or purchase of these services governs all transaction for the supply of service concluded through Our site.
(13) COMPLIANCE
The Form may only be used for lawful purposes and in a lawful manner. You agree to comply with all applicable laws, statutes and regulations regarding the Form and its use. You agree not to upload or transmit through the form: any computer viruses or anything else designed to interfere with, interrupt or disrupt the normal operating procedures of a computer; and any material which is defamatory, offensive or of an obscene character.
(14) JURISDICTION
The Website & Form is controlled and operated in the United Kingdom. These Terms and any non-contractual obligations arising out of or in connection with these Terms will be governed by the laws of England and Wales and You irrevocably agree to submit to the exclusive jurisdiction of the English courts.
All communication with You will be in English.
(15) COMPLAINTS
We endeavour to make every effort to ensure Our service to You is excellent; however, if You wish to make a formal complaint, please send Your complaint via email, telephone or post:
- Email: hello@creditknowledge.co.uk (this is the only monitored email inbox; please do not use ANY other email address)
- Telephone: 0161 711 0420
- Post: The Compliance Manager, MediaBlanket Limited t/a CreditKnowledge.co.uk, Lloyds House, 18-22 Lloyd Street, Manchester, M2 5WA
We will issue a final response to You within 8 Weeks of Us receiving Your complaint.
If Your query relates to data that TransUnion holds , or if We are unable to resolve Your query or dispute, We may refer Your query or dispute to TransUnion. TransUnion’s complaints policy is at:
www.transunion.co.uk/consumer-solutions/contact-us/complaints-procedure
Should you require to contact TransUnion, you can do so using the following details:
Email: UkConsumer@transunion.com
Address: TransUnion Consumer Services Team, PO Box 647, Unit 4, Hull, HU9 9QZ.
Complaint Resolution: We have a complaint-handling process, which includes alternative dispute resolution (a process where an independent body considers the facts of a dispute and seeks to resolve it, without You having to go to court). If You are not happy with how We have handled any complaint, You may want to contact the statutory alternative dispute resolution provider for financial services in the UK – the Financial Ombudsman Service. The Ombudsman will not charge You for making a complaint and if You are not satisfied with the outcome You can still bring legal proceedings. The contact details for the Financial Ombudsman Service are:
The Financial Ombudsman Service
Exchange Tower
London
E14 9SR
Tel: 0800 023 4 567 or 0300 123 9 123
E-mail: complaint.info@financial-ombudsman.org.uk
Website: https://www.financial-ombudsman.org.uk/
Online Dispute Resolution Platform: You may also complain using the European Commission’s Online Dispute Resolution platform. This is an online facility designed to help consumers to resolve complaints they have, where they have bought goods and services online.
(16) SUMMARY OF YOUR KEY LEGAL RIGHTS
The below is a summary of Your key legal rights. These are subject to certain exceptions. For detailed information please visit the Citizens Advice Website or call 03454 04 05 06. In relation to services the Consumer Rights Act 2015 states:
- You can ask us to repeat or fix a service if it’s not carried out with reasonable care and skill, or get some money back if We can’t fix it;
- If You haven’t agreed a price upfront, what You’re asked to pay must be reasonable
- If You haven’t agreed a time upfront, it must be carried out within a reasonable timeframe
Last updated:17 March 2022