CreditKnowledge

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, The Old Bank, 247 Chapel Street, Salford, M3 5EP. Registered with the Information Commissioner's Office Z3334636. Authorised & regulated by the Financial Conduct Authority under Firm Reference No 723605.

(2) TransUnion

TransUnion is the source of County Court Judgment (CCJ) data.

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.

TransUnion provides Us with data that We use to provide Our services to You.

(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.

Should my details be located and the security checks passed, Credit Knowledge will request my credit file from TransUnion every month, thereafter using it to provide my credit report and personalised service
Credit Knowledge and its partners will soft search my credit file to identify products and services that I may be interested in and eligible for and tailor offers for and this will not harm my credit rating
A soft search to identify products and services that I may be interested in and eligible will be provided on a monthly basis and other soft searches may occur when I choose to log in or check out my personalised offers
Some such soft searches leave footprints on credit reports, including mine, which I will be able to see but they will not alter a Lender's assessment of my credit-worthiness

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) FEES

As communicated at the time of Your application, to access the Credit Reporting Service a subscription fee will be payable by Direct Debit to MediaBlanket Ltd. The description of this charge may vary on Your bank statement depending on Your Bank.

If required, at the time of application, an initial payment will be payable immediately, or on the date which has been specified in Our offer to You (e.g. 3 days after signing up). If a Free Trial Period is not specified at the time of sign-up, no Free Trial Period is being offered. The subscription fee specfied in the site footer will then be payable at the frequency specified in the site footer. A pre-authorisation charge for the amount of £1.00, or the amount equal to Your recurring subscription price may also be charged to Your card.

(5) CANCELLATION

Once You have received the on-screen message that Your application has been successful, Your contract for the Credit Reporting Service commences. If, as part of the application process, You are asked to submit some documents to Us, as part of the application process, Your contract for the Credit Reporting Services commences on the day that We are able to successfully verify Your identity using those documents.

You may cancel or terminate this agreement at any time by calling us at 0161 711 0420 or by notifying us in writing at: Cancellations, MediaBlanket Ltd t/a CreditKnowledge.co.uk, The Old Bank, 247 Chapel Street, Salford, M3 5EP.

A member may request a refund at any time by contacting us at the above-mentioned telephone number or address. Refunds will only be granted in the case of fraud, and/or in the event of Our partial or total non-performance, or inadequate performance of failure to deliver the agreed upon service to the member.

If the member has used the services (i.e. signs up to CreditKnowledge.co.uk using a credit or debit card and validates themselves), then the services have been determined and agreed to have been rendered. As such, except in the events as referenced above, the ability to demand a full refund for services rendered have been forfeited by You. For the avoidance of doubt, services have been delivered for that day and month, and every day and month thereafter as soon as a sign up occurs, until the membership is cancelled.

A refund may be requested by the member at any time by contacting us at the above referenced number or by mailing us at the above-mentioned address. Refunds will be given only in the cases of fraud, and/or in the event of Our partial or total non-performance or inadequate performance of failure to deliver the agreed upon services to the member (i.e. site failure or service failure). If the member uses the services (i.e. signs up using a credit and or debit card and validates themselves) then services have been determined and agreed to have been rendered and therefore except in the circumstances referenced above, You forfeit the ability to demand a full refund for services rendered. For avoidance of doubt as soon as a sign up occurs for the membership, services have been delivered for that day and month and every day and month thereafter until membership is cancelled.

Apart from where there are serious grounds for doing so without notice, We reserve the right to terminate this agreement (cancel membership), by giving You one Week’s notice. Should this happen, We will only credit Your credit or debit card for the amount equivalent to the remain days in the month i.e. pro-rata. For the avoidance of doubt We will nor refund Your card for the entire charges of the month(s) or any charges for previous months. This is because the service was active and being used.

Upon Your membership being terminated, We will not be required to continue to provide the outlined service to You after the termination of Your membership.

If You choose to contact Us to cancel Your Membership within a valid Free Trial Period, Your Membership will end at the expiration of that Trial Period if You serve this cancellation request via a telephone call or email; if You serve Your cancellation request via post and Your request is received after the date that Your first payment is due, We will have attempted to take this payment. If We receive this payment and You believe You should be entitled to a refund, please see our Refund Policy for further information.

If You choose to terminate this Agreement (and cancellation of Membership) outside of any valid Free Trial Period, You must do so by providing Us with one Week’s notice. Termination of this Agreement (and cancellation of Membership) will be effective within 1 Week of the receipt by us of the Member's cancellation request or Our notice to the Member.

If the termination of Membership is received within a Trial Period, no Membership Fees will have been paid or will be payable by the Member, therefore no Membership Fees will be re-credited to the account of the affected Member. If the termination is at any time after the Trial Period, apart from Membership Fees that are already due, no further Membership Fees will be owed. The Member will not be entitled to a refund of any past Membership Fees charged to account of the Member (excluding cases where there has been inadequate performance by Us), and all access, use of or benefit of the Membership (including the Credit Reporting Service) will cease. Please see our Refund Policy for further information.

In order that We meet Our obligations under data protection regulations, please confirm the following information when contacting Us: -

Full Name

Email Address that you used to register for your account; we cannot locate you in our records if you provide a different email address

Mobile Number that you used to register for your account; we cannot locate you in our records if you provide a different mobile number

The Post Code that you used when registering

(6) MEMBERSHIP FEES AND CONTINUOUS PAYMENT AUTHORITY

By signing up, and agreeing to be a Member of Our services, You are providing Us with a Continuous Payment Authority (“CPA”), to allow Us to collect repayments automatically from Your bank account using the debit or credit card that You provided for this purpose.

You may be entitled to a Trial Membership Period, the details of which are located on the Website that You Were shown or marketed to at the time of Your initial sign up to be a Member of Our services. If no Free Trial Period is specified at the time of registration, no Free Trial Period is being offered. In accordance with Our Terms of Use, located above, or the link at the bottom of the Website named Refund Policy, a Member can cancel anytime.

The Membership Fee as specified in the site footer is payable in advance and will be automatically charged at the end of any applicable Free Trial Period, or on renewal by use of CPA. At the end of any applicable Free Trial Period or immediately upon sign-up, as specified by the site footer, Your card will be charged as per the subscription details in the site footer, and Your card will be charged at the frequency specified in the site footer until cancelled. You can cancel Your membership and stop the billing by contacting Us via the methods outlined above. You will not be eligible for a pro-rated refund of Your current month’s membership fee.

In the event that Your payment of billing source is unable to process the membership fee or is no longer in good standing as a result of insufficient available credit of funds, at Our discretion, We may divide the total membership fee into incremental charges in order to process the total membership fee, and keep You membership enabled.

Should the attempt for the charge of the agreed upon Membership Fee at the end of any applicable Free Trial Period, immediately upon sign-up or renewal be unsuccessful, at Our discretion We may make attempts to contact You by phone, email and / or text message to find out why You have been unable to meet the obligations of Your Membership Fee. The absence of such contact does not relieve the Member of the obligation to pay the Membership Fee.

In the instance that We are unable to determine a method for You to pay Your membership fees, We shall be permitted to use CPA to make up to five (5) further attempts for the full membership fee. For the avoidance of doubt, in the effort to enable You to fulfil Your agreement to pay the membership fee for the services rendered, We will use commercially reasonable efforts to use the schedule below:

One attempt will be made the first Friday following the end of the Trial period
One attempt will be made on each of the four (4) following Fridays after the attempt set out in the previous point

During this time, Your access to the Service may be suspended pending receipt of the Membership Fee.

Until payment has been received in full, an alternative payment plan has been agreed or the limit of 5 further attempts has been reached (at which point Membership is terminated) the attempts as set out above will continue.

To cancel this CPA, You may ask us to cancel this using the contact details provided above, or by contacting Your bank directly. It is important to note that if You do cancel, You will still owe any outstanding membership fees as agreed, and Your access to the Service will be terminated. Cancellation of the CPA is effective from the date We receive the notification.

Credit Knowledge and MediaBlanket Ltd may increase or decrease the Membership Fee on fourteen days' notice on the Website and by notice by email or letter to the Member. If the Member does not agree with any such change, the Member may terminate this Agreement by: -

calling us at 0161 711 0420
emailing on hello@creditknowledge.co.uk, (this is the only monitored email inbox; please do not use ANY other email address)
writing to us at Cancellations, MediaBlanket Ltd t/a CreditKnowledge.co.uk, The Old Bank, 247 Chapel Street, Salford, M3 5EP.

If a Member chooses to send their cancellation by post, a charge may be incurred if the cancellation is received outside of any valid Trial Period that may have been associated with the Member’s Membership; we may provide a partial refund with reference to the date stamp appearing on the envelope at our sole discretion, otherwise the full month’s Membership Fee will be chargeable and only then will the cancellation take effect.

(7) 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.

(8) 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.

(9) 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.

(10) 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.

(11) 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.

(12) 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.

(13) 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.

(14) 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.

(15) 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.

(16) 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.

(17) 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.

(18) 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 CrediitKnowledge.co.uk, The Old Bank, 247 Chapel Street, Salford, M3 5EP

We will issue a final response to You within 8 Weeks of Us receiving Your complaint. If You are unhappy with Our response or have not received Our final response after 8 Weeks You may refer Your complaint to: Financial Ombudsman Service, Exchange Tower, London E14 9SR.

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

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. This platform can be accessed via the following link: https://Webgate.ec.europa.eu/odr.

(19) 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 www.citizensadvice.org.uk 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: 30th October 2019

I acknowledge and hereby agree to the terms & conditions of this Website. I want sign up to see my credit score & report. >>

PRIVACY POLICY

Date	Primary Changes	Next Review
21st October 2020	Checked and signed off	21st November 2020

This Privacy Policy is intended to provide readers with information regarding the ways in which MediaBlanket Ltd ("us", "we", or "our") may analyse, hold and use information it comes into the possession of while it operates the https://www.creditknowledge.co.uk/ Website (the "Service").

This Privacy Policy (the "Policy") is presented by MediaBlanket Ltd ("MB") to observe our obligations within the requirements of the Data Protection Act and General Data Protection Regulation (GDPR) and it only covers the collection, disclosure, protection and use of personal data belonging to natural persons. It does not relate to data which comes forth from companies or other entities, although the wider principles governing our collection and use of data is generally the same no matter who is the user of the Website or who our Customers may be.

Further, MB is registered with the Information Commissioner’s Office under the Act with a registration number of Z3334636 and will act as the data controller. MB is registered in England and Wales and has a Registered Office at The Old Bank, 247 Chapel Street, Salford, M3 5EP and Company Registration number of 07949139.

This Policy (together with our Terms & Conditions and any other documents referred to in it) sets out the basis on which any personal data we collect from those who register with us, or that is provided to us by Registrants from time to time, will be processed by us and the choices Registrants and Members have associated with that data. Please read the following carefully to understand our views and practices regarding the aforementioned personal data.

MB is active in the UK to provide members of the public with access to their credit reports, credit score and general credit information services along with other activities related to the provision of financial products. We are authorised by the Financial Conduct Authority with Firm Reference Number 723605. TransUnion is the source of the credit data that is used by us to provide you with the credit reporting services. References to “TransUnion” in this privacy policy mean TransUnion International UK Limited (company number 3961870), a credit reference agency authorised and regulated by the Financial Conduct Authority under number 737740, whose registered office is at One Park Lane, Leeds, West Yorkshire, LS3 1EP. Authorisation can be checked on the Financial Services Register at www.fca.org.uk. To find out more about TransUnion, please visit https://www.transunion.co.uk/consumer-solutions/help/credit-reference-agency. Please also read TransUnion's own privacy policy HERE for information about how they obtain, use and share your personal information.

MB uses Member data to provide and improve the Service. In using the Service, a Member agrees to the collection and use of their information in accordance with this Policy. Unless otherwise defined in this Privacy Policy, all such terms included in this Privacy Policy have the same meanings as in our Terms & Conditions.

DEFINITIONS

Personal Data
Personal Data means data about a living individual who can be identified from those data (or from those and other information either in MB’s possession or likely to come into MB’s possession).

Usage Data
Usage Data is data collected automatically which is either generated by the use of the Service or from the Service infrastructure itself (for example, the pages visited during a session).

Cookies
Cookies are small pieces of data stored on a User’s device.

Data Controller
Data Controller means a person who (either alone or jointly or in common with other persons) determines the purposes for which and the manner in which any personal data are, or are to be, processed.
For the purpose of this Privacy Policy, MB is the Data Controller of Members’ data.

Data Processors (or Service Providers)
Data Processor (or Service Provider) means any person (other than an employee of the Data Controller) who processes the data on behalf of the Data Controller.
We may use the services of various Service Providers in order to process your data more effectively.

Data Subject
A Data Subject is any living individual who is the subject of Personal Data.

User
The User is the individual using our Service. The User corresponds to the Data Subject, who is the subject of Personal Data.

Information Collection & Use
We collect a number of different types of information for various purposes in order to provide and improve our Service to Members: -

DATA TYPES COLLECTED

(1) Personal Data
- 1.1.1 this is information that you may provide by filling in online forms and registration forms on www.creditknowledge.co.uk (our "Site") and we may also ask you for additional information in the event you report a problem with our Site in order that we can verify your identity for security reasons and to resolve the problem you are reporting; for information, personally identifiable information may include but is not limited to:
  Email Address
  First & Last Names
  Phone Number
  Postal Address including Post Code
  Cookies & Usage Data
  
  Your Personal Data may be used to contact you with newsletters, marketing or promotional materials and other information that may be of interest to you. You may opt out of receiving any, or all, of these communications from us by following the unsubscribe link or instructions provided in any email we send or by contacting us. We use an identity verification service provided by TransUnion. You can find more information about how that service uses personal data in TransUnion’s Bureau Privacy Notice, which is available at: https://www.transunion.co.uk/legal-information/bureau-privacy-notice.
  
  Please note that we reserve the right to retain any data that you provide on this website; this includes circumstances in which you do not complete your registration or transaction by clicking a Submit button or moving to the next stage of the registration or submission process or by giving any other indication of intent to transmit information. Such contact details and data as gathered in this way may be used to contact you to inquire what caused you to not complete your registration or transaction or they may be used to market other products or services to you as described in this Privacy Policy;
- 1.1.2 correspondence or a record of it should you contact Credit Knowledge or MB;
- 1.1.3 surveys that we may use for research purposes from time to time, which we may ask you to complete, although you do not have to respond to them and we may not contact all Members with every survey;
- 1.1.4 details of visits to our Site (including, but not limited to, communication data, location data, traffic data, weblogs and any other information as we may identify as useful, whether this is required for any of our own purposes or otherwise) and the resources that you access;
- 1.1.5 information to help verify your identity;
- 1.1.6 on occasion third parties with whom we work may ask you to provide documentation for the purpose of verifying your identity, such as bank statements or utility bills (and you should look at the relevant third party partners' Privacy Policies regarding this);
- 1.1.7. to confirm, if you post any comments, material or suggestions on our Site, this information will be collected and may be utilised by us

1.1 While using the Service, MB may ask Members to provide certain personally identifiable information that can be used to contact or identify you ("Personal Data").

(2) Usage Data: IP Addresses & Cookies

2.1 MB reserves the right to collect information on how the Service is accessed and used ("Usage Data"). Such Usage Data may include information like your computer's Internet Protocol address (e.g. IP address), browser version, browser type, the Website pages that you visit(ed), the time and date of visit(s), any device identifiers, the time spent on each page(s) visited and any other diagnostic data;
2.2 Tracking & Cookies Data;
2.3 A "cookie" is a small electronic file that collects information when someone visits a website. A cookie can identify the pages that are being viewed; this can assist a Company to select the page(s) that a viewer sees based on previous visits or other data. Some cookies only exist whilst viewers are online although "persistent" cookies - which are not session-based - remain on the viewer's computer, so that he or she can be recognised as a previous visitor when he or she next visits a Site. This allows the Site owner to collect information about a viewer's browsing habits whilst on a Site and this can be useful in assisting in the monitoring of and improvement of services;
2.4 MB does not store sensitive information such as account numbers or passwords in "persistent" cookies and cookies in themselves, do not contain enough information to identify you. You will only acquire a personal identity in relation to your browsing habits after you have formally provided us with your personal data for the purposes outlined below;
2.5 In addition to using cookies, MB may also use web tools to collect information about browsing activities whilst on our Site. For this reason, any information that is obtained in this way is similar to the information supplied by cookies and it is used for the same purposes;
2.6 Any information that we acquire about you using cookies or web tools is subject to the same restrictions and conditions as any other information we collect about you and Credit Knowledge & MediaBlanket commit to observe these restrictions and conditions;
2.7 If we provide advertising opportunities from time to time, some of the advertisers featured may also use cookies or web tools that are set by other people such as advertising agencies, or the businesses to which the advertisements in question relate. We are not able to provide any details regarding this and we do not have access to any information that might be collected in this way and, if you are concerned, you should contact the relevant advertiser for more information;
2.8 If you want to delete any cookies already stored on your computer or stop the cookies that keep track of your browsing patterns on the Site you can do so by deleting your existing cookies and/or altering your browser's privacy settings to block third party cookies (the process you follow will differ from browser to browser). If you would like more information on how to do this please visit http://www.allaboutcookies.org/. Please note that deleting our cookies or disabling our future cookies means that you may not be able to access certain areas or features of the Site and other Sites are likely to restrict access after any such change regarding their cookies.

Examples of Cookies we use:
Session Cookies are used to operate our Service;
Preference Cookies are used to remember any preferences you may have set and covering various settings;
Security Cookies are used for to provide additional site security;
Advertising Cookies may be used to serve you with advertisements for selected products that may be relevant to you and your interests

2.9 Use of Data
Credit Knowledge and MediaBlanket Ltd use the collected data for various purposes:
allowing any interactive features of our Service to function properly should you choose to make use of them
allowing for the provision of Customer Service activities
allowing for the provision and maintenance of our Service
allowing Credit Knowledge and MB to notify you about changes to our Service
allowing for the gathering of information to use in analysis so that we can improve our Service
allowing MB to monitor the usage of our Service
allowing MB to monitor and eradicate technical issues
allowing for the provision of general information, news and special product offers about various other services which we may offer from time to time that are similar to those that you have already purchased or registered an interest in unless you have advised us that you do not wish to receive such information.

(3) Data Retention: Storage of Data

MediaBlanket Ltd will retain your Personal Data only for the absolute minimum period as is necessary for the purposes set out in this Privacy Policy. Personal Data will be retained and used to the extent necessary to comply with our legal obligations (for example, if applicable laws require that we retain your data for a certain period of time), resolve disputes and enforce our legal agreements and policies.

MediaBlanket Ltd also reserves the right to retain Usage Data for internal analysis purposes. Usage Data is generally retained for less time than other Personal Data, other than in circumstances when such data enables us to strengthen the Service’s security or where a legal obligation exists to retain such data for longer periods or to give added functionality to the Service.

3.1 All information provided to us is, as far as reasonably practicable, stored on our secure servers. Any financial information, such as credit or debit card numbers will be encrypted using SSL technology. MB asks that you do not to permit anyone to use your name or details in applications or registrations. MB employs industry standard security measures to ensure the security of all PCCI compliant data. Any data that is stored on MB's secure servers is treated as proprietary and confidential and is not available to the public. MB has an internal security policy based on restricted access, (using login and password limitations), with regards to the confidential nature of customer data allowing access only to those members of staff or related third parties who have a need to know such information for the purpose of effectively delivering MB services and any such users have been given training on their responsibilities therein. MB regularly assesses its data security practices to identify new security threats or opportunities to improve protection.
3.2 Unfortunately, it is widely accepted that the transmission of information via the internet is not a completely secure process. Although Credit Knowledge and MB will take all reasonable steps to protect your personal data, we cannot guarantee the security of your data as it is transmitted from you to our Site; any such transmission is at your own risk. Please see our Terms & Conditions concerning our liabilities in this regard.
3.3 Your information will be retained securely stored for a reasonable period or for as long as the law require

(4) Use of Your Information
- 4.1 MB will make use of information held about you in the ways listed below:
- 4.1.1 to process and submit your request to relevant third party partners;
- 4.1.2 to assist such third party partners to verify your identity and, further, to provide you with a copy of your credit file, credit score and/or other credit reporting information;
- 4.1.3 to provide your Membership service;
- 4.1.4 to make sure that our Site is at all times displayed in the manner intended irrespective of device upon which it is being viewed;
- 4.1.5 to maintain the highest level of service;
- 4.1.6 in order to advise you of any alterations to the Service;
- 4.1.7 in order to display any comments you have submitted via a contact form or message board;

4.2 MB may use your data to provide information about products or services which we feel may be of interest to you, largely but not solely based on previous activity on the Site. Such contact may be via e-mail, post or text message and may relate to MediaBlanket, Credit Knowledge or other MediaBlanket brands, (including but not limited to 121money, Autodosh, Knowso, SupaFinance, SupaLoans, TangerineLoans and TheLoanTree; MB may use your data to provide information about products or services offered by trusted third parties which we feel may be of interest to you - for example, Lenders and Credit Card providers, although providers of other products or services may be marketed to you;
4.3 You can opt-out of such correspondence at any time by calling us on 0161 711 0420, emailing us at hello@creditknowledge.co.uk or writing to us at MediaBlanket Ltd t/a Credit Knowledge, The Old Bank, 247 Chapel Street, Salford, M3 5EP;
4.4 Upon receipt of an opt-out request vis a vis our use of your data for marketing purposes, such request will be honoured after we have had reasonable time to process your request, (with our intention being that all requests are acted upon as swiftly as possible); MB reserves the right to take reasonable steps to authenticate your identity with respect to any such request or other enquiry in order to ensure that only valid requests are actioned;
4.5 Only in circumstances where we have received the appropriate consent may we also share your data with very selected third party partners who may contact you from time to time with offers concerning related and unrelated products and services;
4.6 MB commits that any information or statistics relating to our Site(s) that we disclose to internal or external parties will not identify you personally. It could be that we perform a statistical analysis of the behaviour of the users of a Site in order to measure interest in the various areas of said Site and so that advertisers are advised as to how many consumers have seen or "clicked" their advertising assets. This information, and any other general information about our users that we share with advertisers and other partners, will not disclose personal information about any particular visitor or Registrant;
4.7 Personal Information may be shared with third parties who perform services on MB’s behalf. It may be that third parties host our Website(s), provide email or text message sending services, operate amenities within our Site(s), provide customer research initiatives, provide the platforms for us to authorise and process your payments – this list is for the purposes of example and should not be considered as exhaustive. Any third parties that receive such information from us only have authority to use or disclose the information we supply to them to solely to the extent necessary to perform services on our behalf or comply with legal requirements. Any Personal Information shared with such third parties is protected. The Personal Information we have collected from you will be shared with fraud prevention agencies who will use it to prevent fraud and money-laundering and to verify your identity. If fraud is detected, you could be refused certain services, finance, or employment. Further details of how your information will be used by us and these fraud prevention agencies, and your data protection rights in relation to this information, can be found by visiting the website of Cifas, a fraud prevention service, at www.cifas.org.uk;
4.8 Please note that any valid opt-out request will only apply to the removal of consent for marketing purposes and this will not prevent MB or any relevant third party service providers from contacting you to provide account-related, billing-related or service-related information, (commonly known as transactional emails or SMS, to include password reset emails, for example).

(5) Transfer of Data

Any and all information information held by Credit Knowledge and MediaBlanket Ltd, including Personal Data, may be transferred to and held on computers located outside of the EEA where the data protection laws may differ than those from within the EEA; all reasonable steps are taken to ensure that only those service providers which attest to maintain at least the same level of security standards as those within the EEA are accepted to provide such services to Credit Knowledge and MediaBlanket Ltd.

If you are located outside the United Kingdom and choose to provide information to us, please note that we may opt to transfer the entirety of the data, including all Personal Data, to the United Kingdom and process it there.

Should you submit your information via our Website, that is your consent to this Privacy Policy and you agree to the transfer referred to above.

MediaBlanket Ltd will take all those steps that are widely-accepted as reasonable and necessary to ensure that your data is held and transferred securely and in accordance with this Privacy Policy and no transfer of your Personal Data will take place to any organisation or country unless there are adequate controls in place including the security of your data and other personal information.

Personal Data held shall only be transferred to a country outside the EEA if there is adequate protection in that country.
(6) Disclosure of Personal Information

Acquisition, Merger or Partial Sale
If MediaBlanket Ltd is involved in any of the transactions above or any other activity wherein outside entities may be expected to receive access to MediaBlanket’s business dealings, your Personal Data may be transferred. Should such an occasion arise, you will be provided with notice before your Personal Data is transferred and becomes subject to a different Privacy Policy.

Law Enforcement Requirements
Under certain circumstances, MediaBlanket Ltd may be obliged to disclose your Personal Data if required to do so by law or in response to valid requests by public authorities (e.g. a court or a government agency).

Legal Requirements
MediaBlanket Ltd may disclose your Personal Data in the good faith belief that such action is necessary to:
To comply with a legal obligation MB has
To prevent or investigate possible wrongdoing in connection with the Service
To protect MB against any legal liability it reasonably feels it is exposed to or may become exposed to
To protect and defend the rights or property of MB
To protect the personal safety of users of the Service or the public

Security Of Data
MB takes the security of User data very seriously but as mentioned before, no method of transmission of data is entirely secure. Unfortunately, as such, we cannot guarantee its security at all times but we do take all reasonable steps to ensure industry-standard levels of protection.
- 6.1.1 to prepare or send any communications to you, or to assist us in connection with any of our administrative or business functions, or in the provision of any of our services to you;
- 6.1.2 if MB or substantially all of its assets, are acquired by a third party, in which case personal data held by us about our customers will be one of the transferred assets;
- 6.1.3 if we are under a duty to disclose or share your personal data in order to comply with any legal obligation, or in order to enforce or apply our Terms of Use and other agreements; or to protect the rights, property, or safety of MB, our customers, or others. This includes exchanging information with other companies and organisations for the purposes of fraud protection and credit risk reduction.

(7) Your Rights

MediaBlanket Ltd will always do our utmost to make our systems able to accept reasonable amendments, corrections and deletions of Member details within Member accounts or permit the change of consents given by Members from time to time.

It is always our intention to allow Members to update Personal Data directly within your account settings section but there may be elements which need to be changed by our staff and under these circumstances, please contact us to make the desired changes, (we reserve the right to confirm your identity before actioning any such request and if we cannot be reasonably satisfied that the request has been received from you, we reserve the right to refuse to make the change as requested; we also reserve the right to refuse to change any elements that would cause us to contravene any legal obligations we may have).

As detailed within data protection legislation, there are circumstances in which you have the right:
To access and receive a copy of the Personal Data that is held about you
To rectify any Personal Data held about you that is inaccurate
To request the deletion of Personal Data held about you
To request the portability of data you have provided to MediaBlanket Ltd

7.1 As with the contents of Clause 1.1.6, on occasion our Site may contain links to and from the websites of advertisers and affiliates with which we are partnering at that time. Where a visitor to our Site follows any such link, it is the visitor’s own responsibility to check the Privacy Policies provided on the relevant third party Sites and we do not accept any responsibility or liability for these policies or actions visitors take once on those Sites. Please check these policies before you submit any Personal Data to these Sites;
7.2 As referred to above, Section 7 of the Act gives you the right to view information held about you. In order to exercise your right to access the information held about you, please write to us at Credit Knowledge, MediaBlanket Ltd, The Old Bank, 247 Chapel Street, Salford, M3 5EP. Any such request for data access may incur a small statutory fee to meet the costs in providing you with details of the information we hold about you;
7.3 In order to enable us to ensure our Customer Services activities are at the necessary standard, we may record and monitor calls between us;
7.4 If you want to change, modify or update your member information you can do so by calling us on the number provided, (although we may request confirmation of the change in writing for our records), or email or write to us on the contact details listed above;
7.5 If you were introduced to us by a third party, they may require that we give them your contact details and sufficient information about you for their accounting and administration purposes and by submitting your details to us, you agree to this; any such passing of information will be limited to the bare minimum that is required;
7.6 Information about you and how you manage your account may be passed to the following:

7.6.1 as referred to in Clause 5 above, partners providing a service to us or acting as our agents on the understanding that they will keep the information confidential; if such partners are located outside of the EEA, we will make sure that they agree to apply the same levels of protection as we are required to apply to information held in the EEA and to use your information only for the purpose of providing the service to us;
7.6.2 as referred to in Clause 6, on the occasion of MediaBlanket Ltd being a party to an acquisition, an asset sale or a merger etc, then the other party may be entitled to view the business activities of MediaBlanket and this may include Personal Data;
7.6.3 also as referred to in Clause 6, where there is a legal obligation to do so, we will pass your details to law enforcement.

7.7 Otherwise we will keep information about you confidential.

(8) Credit Reference & Fraud Prevention Agencies

8.1 It is your responsibility to ensure that all the information supplied to us is true and complete and by submitting information to us, you understand that we will use this information to verify your identity;
8.2 In order to fulfil their obligations in the provision of the Services, third party partners will make such checks as they deem necessary including but not limited to verifying your identity and you should review their policies to make yourself aware of the checks they may perform;
8.3 In the event that it is established that false or inaccurate information has been provided and fraud can be identified, details will be passed to fraud prevention agencies and this may negatively affect your credit score, amongst other effects;
8.4 These inaccuracies may cause law enforcement agencies to access and use this information, with the possibility that legal proceedings may follow;
8.5 This information may be used by MB and other authorised parties to prevent fraud and money laundering;
8.6 The information held by fraud prevention agencies may be accessed from time to time by MB and other authorised parties from overseas locations;
8.7 If you have given permission for your Personal Data to be used for other very specific purposes then it may be used for these reasons.

(9) Service Providers
As referred to in clauses above, if we utilise the services of third party companies and individuals to facilitate our Service ("Service Providers"), to provide the Service on our behalf, to perform Service-related services or to assist us in analysing how our Service is used then these third parties have access to your Personal Data only to perform these tasks on our behalf and are obligated not to disclose or use it for any other purpose.

(10) Analytics
As referred to in a number of clauses above, (most recently Clause 9), there may be a need to make use of third-party Service Providers to monitor and analyse the use of our Service; one example of such a need is: -
Google Analytics
Google Analytics is a service offered by Google that tracks and reports website traffic. Google uses the data collected to track and monitor the use of our Service; Google may choose to share this data with any of their other services; if you have any concerns about this, you may wish to review Google’s policies to see how they use the data gathered in the performance of these services when providing their own advertising and marketing services.

If you wish to prevent your details being included in the Google Analytics data, you can install the Google Analytics opt-out browser add-on and this add-on prevents the Google Analytics JavaScript (ga.js, analytics.js, and dc.js) from sharing information with Google Analytics about your activity.

Please visit the Google Privacy & Terms webpage: http://www.google.com/intl/en/policies/privacy/ to review their policies.

(11) Advertising
Some partners’ advertisements, as third party vendors, may be displayed on our Member website from time to time and we recommend you read the relevant Privacy Policy associated with each advertisement and any related Terms & Conditions before submitting any information or purchasing anything from any third parties; we cannot be held responsible for any interactions you enter into with third parties and by submitting your details to Credit Knowledge and MediaBlanket Ltd, this is your confirmation that you accept and understand that we have no liability in this regard.

(12) Behavioural Remarketing
MediaBlanket Ltd may advertise on third party websites after you visit our Site. Advertisements may be displayed to you based on the information gathered by cookies by MB or third parties. If social media is used in the provision of these advertisements, please visit the Privacy Policies of the individual social media sites.

(13) External Links
As referred to in earlier Clauses, please note that we can take no responsibility for any interactions you have with Sites that you visit after following links that our Service may contain from time to time; MB would give the strongest possible advice that visitors review the Privacy Policy of each Site that they visit in order to ensure that they are comfortable with the way(s) that these Sites intend to use their Personal Data.

(14) Privacy Governing Children
It is expressly not MediaBlanket Ltd’s intention to make this Service available to anybody younger than eighteen years of age.

MB does not knowingly collect personally identifiable information from anyone under the age of eighteen and if we are made aware of any such occurrence, we will take all reasonable steps to immediately remove their details from our systems.

(15) Privacy Policy – Alterations & Notice
It may become necessary to amend or update this Privacy Policy from time to time with the latest version always available on this page. It is the intention of Credit Knowledge and MediaBlanket Ltd that any sizeable changes will be advised to Members in advance but it may not always be possible to ensure that all Members are contacted and so a log of alterations will be present at the top of this page. As such, Members may feel it is sensible to revisit this page on occasion to ensure that they are fully-aware of the latest Privacy Policy details.

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