Terms and conditions of use (unregistered users)
Continued use of this site requires you to read and accept the Terms and Conditions shown below.

Credit Services Europe Limited provides a portal, or gateway, to the services offered by Credit Services Europe Limited, its associated companies and partners.

References to 'you', 'your' and 'yours' are references to the person(s) accessing the Site or any Partner Site. References to 'we', 'us' and 'our' are references to Credit Services Europe Limited, its associated companies and partners.

Personal Page and Partner Sites
Your use of the personal page shall be governed by these Terms and Conditions. Through your personal page, you may receive products and services provided by Credit Services Europe Limited, its associated companies and partners.

All products and services provided by us are subject to the terms and conditions and disclaimers of the applicable agreement governing their supply and use ("Product terms and conditions"). Where Product terms and conditions conflict with these Terms and Conditions the Product terms and conditions shall prevail.

You may link to other websites or pages issued by our partners through the Site. Your use of any partner site shall be governed by both these Terms and Conditions and the terms and conditions of the partner site. However, where these Terms and Conditions conflict with those of the partner site, the terms and conditions of the partner site shall prevail. Please read carefully any partner site Product terms and conditions before using the partner site or product. Not all the products and services that you may be able to view via the Site are available in all geographical locations. The relevant partner reserves the right to make the final determination on whether or not you are eligible for any particular product or service. If you choose to enter a website outside your country of residence, you are advised that it may not be legal in that jurisdiction for you to access or use the facilities available on that site and the legal requirements of that jurisdiction may prohibit you from dealing or otherwise transacting in that jurisdiction. The information, material and content provided in the pages of the Site or any partner site may be changed at any time without notice. Changes may be made to these Terms and Conditions by us at any time without notice to you by updating the posting of the Terms and Conditions.

Security
You must register with Credit Services Europe Limited to use certain features of the Site. When you register, you must provide accurate and complete information and up-date such information when necessary so it remains accurate and complete. When you register and are accepted as a registered user of the Site, you choose a unique user name and password.

Please use maximum caution to keep your user name and password confidential and log-off from the Site when your session is complete to prevent unauthorized access to your information. If your user name or password is subject to unauthorized access, you should immediately inform Credit Services Europe Limited.

Data Protection and Privacy Policies
We are committed to protecting your privacy. All information gathered from you in connection with your use of the Site or any partner site will be maintained in accordance with the applicable privacy policies disclosed for the Site.

No Warranties
EXCEPT INSOFAR AS ANY SPECIFIC SERVICE LEVEL AGREEMENT HAS BEEN ENTERED INTO BETWEEN YOU AND THE COMPANY THE CONTENTS OF THE SITE AND PARTNER SITES ARE DISTRIBUTED TO YOU WITHOUT ANY WARRANTY OF ANY KIND. WE AND THE THIRD PARTY CONTENT PROVIDERS DISCLAIM ANY AND ALL WARRANTIES. INFORMATION ON THE SITE AND ANY PARTNER SITE IS PROVIDED ON AN "AS IS", "AS AVAILABLE" BASIS AND TO THE FULLEST EXTENT PERMITTED BY LAW WE DO NOT GIVE OR MAKE ANY WARRANTY OR REPRESENTATION OF ANY KIND, WHETHER EXPRESS OR IMPLIED IN RESPECT OF SUCH INFORMATION WHETHER IN RESPECT OF THE SITE OR ANY PARTNER SITE. YOUR USE OF THE SITE OR ANY PARTNER SITE IS AT YOUR SOLE RISK. WE DO NOT WARRANT THE ACCURACY, ADEQUACY, COMPLETENESS OR TIMELINESS OF THE INFORMATION, MATERIAL, PRODUCTS AND SERVICES OR THE ERROR-FREE USE OF THE SITE OR PARTNER SITE. WE DO NOT REPRESENT OR WARRANT THAT THE SITE OR ANY PARTNER SITE WILL BE AVAILABLE OR THAT IT WILL MEET YOUR REQUIREMENTS, THAT ACCESS WILL BE UNINTERRUPTED, THAT THERE WILL BE NO DELAYS, FAILURES, ERRORS OR OMISSIONS OR LOSS OF TRANSMITTED INFORMATION, THAT NO VIRUSES OR OTHER CONTAMINATING OR DESTRUCTIVE PROPERTIES WILL BE TRANSMITTED OR THAT NO DAMAGE WILL OCCUR TO YOUR COMPUTER SYSTEM. YOU HAVE SOLE RESPONSIBILITY FOR ADEQUATE PROTECTION AND BACK UP OF DATA AND/OR EQUIPMENT AND FOR UNDERTAKING REASONABLE AND APPROPRIATE PRECAUTIONS TO SCAN FOR COMPUTER VIRUSES OR OTHER DESTRUCTIVE PROPERTIES. WE MAKE NO REPRESENTATIONS OR WARRANTIES REGARDING THE ACCURACY, FUNCTIONALITY OR PERFORMANCE OF ANY THIRD PARTY SOFTWARE THAT MAY BE USED IN CONNECTION WITH THE SITE OR ANY PARTNER SITE.

Limitation of Liability
IN NO EVENT SHALL WE BE LIABLE FOR ANY DAMAGES, LOSSES OR LIABILITIES INCLUDING WITHOUT LIMITATION, DIRECT OR INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL DAMAGES, LOSSES OR LIABILITIES, IN CONNECTION WITH YOUR USE OF THE SITE OR YOUR RELIANCE ON OR USE OR INABILITY TO USE THE INFORMATION, MATERIALS, PRODUCTS AND SERVICES ON THE SITE, OR IN CONNECTION WITH ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS OR LINE OR SYSTEM FAILURE, EVEN IF YOU ADVISE US OF THE POSSIBILITY OF SUCH DAMAGES, LOSSES OR EXPENSES.

Links To Third Party Sites or Content
Your use of hyperlinks on the Site is at your own risk. We provide hyperlinks to other locations on the Internet for information and convenience purposes only. No endorsement of third party websites or content is implied. We are not responsible for the content of any other websites or pages linked to or from the Site or any Local Site. We have not verified the content of any such websites, or pages. It is recommended that you view the linked website's terms or privacy policy pages to understand how use of that website may affect you. We are not responsible for the accuracy, timeliness or the continued availability or the existence of content, hyper links, or third party websites or pages linked to the Site or any Local Site. Links to downloadable software sites are for convenience only and we are not responsible or liable for any difficulties or consequences associated with downloading the software. Use of any downloaded software is governed by the terms of the licence agreement, if any, which accompanies or is provided with the software. The Site may offer access to news services, market analysis, financial planning tools or other information provided by third parties on the Site or any Partner Site. No endorsement or approval of any third parties or their advice, opinions, information, products or services is expressed or implied by any information on the Site or any Partner Site. We do not control, cannot guarantee, and are not responsible for the accuracy, timeliness or even the continued availability or existence of such content.

Internet e-mail
Ordinary e-mail messages sent over the Internet may be intercepted, lost or altered. We are not responsible for them and will not be liable to you or anyone else for any damages in connection with any messages sent by you to us using ordinary e-mail.

Trade Marks and Copyright
Copyright in the pages, screens, information, and all material in their arrangement, included in the Site or any Partner Site is owned by or licensed to us or the partner unless otherwise noted. You may imprint, copy download or temporarily store extracts from the Site for your personal information or when you use any products and services of any Local Site. You may not alter or otherwise make any changes to any material that you print or download from the Site or any Partner Site, including, without limitation, removing any identifying marks or legends from such material. You may not distribute these materials to others. Any other use is prohibited unless you first request and obtain our written permission. In particular no one may use a part of the Site or any partner site on any other website, or link any other website to the Site or any Partner Site, without our prior written permission or the consent of the relevant partner. Content from a third party provider available on or through the Site or any Partner Site may not be duplicated, distributed, published, transferred, transmitted, copied, altered, sold, used to create derivative works or otherwise misused. You must comply with all terms disclosed to you as required from time to time by any third party supplier of data or services to the Site or any Partner Site, including but not limited to, where necessary, entering into a direct agreement with such third party in respect of your use of their data. You may not use the Site or any Partner Site for any purpose which is unlawful, abusive, libellous, obscene or threatening. is a trademark of Credit Services Europe Limited and all rights in and to vest in Credit Services Europe Limited. Other than as provided above you may not use or reproduce the trademark, logo or brand name.

Not Intended for Children
The Site is not intended for use by minors.

Governing Law
Your use of the Site is governed by English law.