When you use the Credit Monitor Services you acknowledge and agree the following:
a. You are 18 years of age or older and live in the UK, the Channel Islands or the Isle of Man;
b. You will be required to successfully pass TransUnion’s authentication process to access your credit score and, if you’re using the Credit Monitor App, your credit report information. Where you do not pass authentication, neither we nor TransUnion are required to notify you of the reasons why;
c. TransUnion has no control over information which comes from third party sources (e.g. the electoral roll, insurance companies or financial institutions) which may form part of the credit score or the content of the credit report. TransUnion, therefore, cannot guarantee the accuracy of the data coming from those sources and it is not responsible if it turns out to be inaccurate;
d. Any information provided to you as part of the TransUnion credit report and/or credit score is provided for guidance and information only. The fact that an individual has a good credit score does not mean that a lender, credit card company or other provider of financial services products will accept their application, and they have their own acceptance criteria. Also, a credit score does not take into consideration affordability issues which are also considered by financial services/credit providers;
e. You are requesting credit information for your own personal non-commercial use and not on behalf of anyone else. You cannot request credit information about any third party using the Credit Monitor Services;
f. You will not allow any other person to have access to or to use the Credit Monitor Services or information contained therein and that you will keep your username and password confidential;
g. You will contact us immediately (see the contact us section) if you believe a security issue has occurred;
h. We or TransUnion may suspend your access to the Credit Monitor Services or the TransUnion credit score and credit report if we consider:
- there is or is likely to be a breach of security;
- you are misusing the Credit Monitor Services and/or TransUnion credit score and/or credit report or using them in a way which is not permitted or is fraudulent;
- your use of the Credit Monitor Services and/or TransUnion credit score and/or credit report is detrimental to us and/or TransUnion;
i. All intellectual property rights in the TransUnion credit score and credit report are owned by TransUnion and/or its licensors;
j. Altering the security settings in respect of any Credit Monitor Services notifications may increase your risk of identity theft, fraud or other disclosure of your personal information.
k. To turn off communications from our Credit Monitor Services, please email email@example.com (simply deleting the Credit Monitor App will not stop these emails).
In the event of queries or concerns regarding the Credit Monitor Services please contact us (see the contact us section above). If we’re not able to resolve your query or concern we may refer it on to TransUnion. If you have any queries or concerns regarding the accuracy of your credit report or credit score please contact TransUnion at the email address firstname.lastname@example.org or by using the online process which can be accessed via the Credit Monitor App, which will raise a dispute with TransUnion.
Stocks and Shares ISAs
a. The Stocks and Shares ISA channel on the Sites provides you with access to information on Stocks and Shares ISAs and a selection of investment funds that you may wish to consider investing in through a Stocks and Shares ISA. We have categorised the funds depending on the level of risk we believe those funds involve and the process by which we do this and the different levels of risk are explained on the Sites. The funds described on the Sites will invest in a wide range of investments, including other funds, and the performance of the funds (including any income you may receive) is not guaranteed. The performance of the funds will depend on many factors, including the performance of underlying investments selected by the fund managers. Some funds may involve exposure to investments in emerging markets, smaller companies and/or exposures to different currencies which may involve greater risk to the value of your investment. You should consider fully all information provided by the fund about the risks that particular products may involve.
b. Please be aware that the value of investments (including the investment funds described in our Stocks and Shares ISA channel) can fall as well as rise, and that you may not get back the full amount invested. Your investment is not guaranteed and the price of investments will depend on fluctuations in the financial markets, which are outside our control. Inflation may reduce the value of your investments over time. Past performance is not a guide to future performance and the favourable tax treatment of ISAs may not be maintained in the future if UK tax law and HM Revenue & Customs changes.
c. Please also be aware that once you have identified investments that are of interest to you, we will introduce you to the investment fund or to an ISA provider with whom you may then decide to complete the purchase. If you decide to proceed with your purchase of a Stocks and Shares ISA and/or investment funds you will do so only with that person and you will not enter into any contract with us. We will not hold or handle client money in respect of any product or service selected by you when using the Stocks and Shares ISA channel.
d. We are not responsible for, and we accept no liability in connection with, any act, omission, error or default by any investment fund or ISA provider or any other third party in the provision of any product or service, or the execution of, or any investment made by you. The provider of the product or service that you wish to purchase should provide you with all required information regarding the product or service as part of the process by which you make a purchase. This will include information on charges and expenses relevant to the product or service and the possible effect of those charges on the value of your investment over time. You should contact them directly should you require any further information about the product or service they offer. If you purchase a product or service from any person having used our Stocks and Shares ISA channel you accept that in doing so we have not and will not provide you with any advice or make any recommendation in connection with any product or service on the Sites (including as to its suitability, adequacy or appropriateness for you or for any other person). Information on the Sites is provided for general information purposes only and is provided to assist you to consider whether the product or service may be appropriate for your needs.
e. If you are in any doubt as to the suitability, adequacy or appropriateness of any product or service, we suggest that you seek independent financial advice before you purchase any product or service.
f. In introducing you to ISA providers or investment funds, we may be remunerated by them for doing so in the form of commission based on transactions that you undertake with or through them or otherwise as we agree with them.