Terms, Privacy & Cookies
Terms and Conditions
IMPORTANT – PLEASE READ CAREFULLY BEFORE USING THIS WEBSITE
The terms and conditions of use set out below apply to the website owned, operated and controlled by ClearDebt Limited (“ClearDebt”), located on the World Wide Web at www.cleardebt.co.uk (the “Website”). The Website is intended for use by residents of England and Wales only. By using the Website, users are deemed to have full knowledge of the following terms and conditions and to accept them.
ClearDebt may, at any time change, modify, add to or remove part or all of these terms and conditions. Users should therefore check these terms and conditions periodically to see if they have changed. Continued use of this Website following any change in the terms and conditions will be deemed to constitute the users’ acceptance of those changes.
ClearDebt makes every effort to ensure that the information and data contained on the Website is correct. ClearDebt, however, accepts no liability and does not guarantee that the information and data provided is up to date, correct and complete. This also applies for all other websites referred to by means of a hyperlink from time to time. ClearDebt is not responsible for the contents of such websites reached by means of such a link and reserves the right to modify or supplement the information or data provided without prior notice.
All materials accessible on this Website are protected by copyright. Users may view Website pages on screen and may print or download extracts for personal use or for use by others within their organisations.
Users may supply a copy of any such extract to any third party provided that:
- the extract is for their own personal use;
- the extract is not supplied as part of or incorporated in another work, website or publication;
- the extract is not supplied either directly or indirectly in return for commercial gain; and
- the third party is made aware that the source of the copy is this website and that these terms and conditions apply equally to them.
No part of this Website may be reproduced, transmitted to, or stored on any other website or in any other form of electronic medium without ClearDebt’s express written consent.
Continuity and Quality of Service
ClearDebt will use its reasonable endeavours to provide users with a prompt and continuing service. ClearDebt does not, however, warrant that the service it provides will continue uninterrupted or without delay or that it will remain unchanged. In particular, ClearDebt reserves the right to bring the Website down as and when necessary for the purposes of maintenance.
Whilst ClearDebt will use its reasonable endeavours to ensure that the information contained in the Website is correct and reliable, no warranty, either express or implied, is given as to the accuracy or completeness of that information.
The Website is intended to provide users with general information relating to ClearDebt, its various products and services and other financial information which may be of relevance or interest to users. The Website is not intended to provide exhaustive details in respect of any of the issues or matters referred to on it. In particular, information generated via the ClearDebt Analyser tool on the Website is intended to be considered as a high-level indicator only and should be treated by users as non-binding guidance.
Prior to making any decision or taking any action which may potentially affect users’ personal finances or business, users are urged to take independent advice from suitably qualified advisors.
Links to External Sites
The Website may from time to time contain hypertext links to a number of websites owned, operated and controlled by third parties. ClearDebt has no control over or proprietary interest in any of these websites and, as such, makes no warranties with regard to the quality, security, accuracy or any other aspect of such sites, and excludes any and all liability arising from use of the same.
The protection of users’ personal data takes top priority for ClearDebt and ClearDebt does not collect any personal data through its Website without users’ consent. Users alone decide whether to provide ClearDebt with such data or not.
Where users of the Website are able to communicate to ClearDebt personal information via the Website, ClearDebt shall, at all times, process and utilise such personal information provided in accordance with the Data Protection Act 1998. Only authorised employees, under appropriate confidentiality obligations will have access to users’ personal information. If users who have provided ClearDebt with personal information would like to alter their details or check their accuracy please contact us by phone.
Upon access to the Website, information is occasionally collected automatically (ie, not through a registration), whereby this information cannot be assigned to a specific person (eg, Internet browser and operating system used; domain name of the website from where users arrived; number of visits, average dwell time, pages called up). ClearDebt uses this information to determine the attractivity of the Website and improve its content.
When users visit the Website, information may be saved on users’ computers as a “cookie” which is then automatically recognised on the next visit to the Website. Users who do not want ClearDebt to recognise their computers should set their Internet Browsers so that they delete cookies from the computer hard disk, block all cookies or warn users before saving a cookie.
Whilst every effort is made to ensure that any enquiries submitted are dealt with promptly, ClearDebt cannot guarantee that queries will always be dealt with within the timescale users may require.
ClearDebt cannot always guarantee complete confidentiality and would therefore recommend that users do not transmit or include sensitive information, which could be classed as a trade secret, via the Internet.
ClearDebt shall not be liable for any third party claims or losses of any nature, including, but not limited to, loss of profits, indirect or consequential loss or loss due to circumstances beyond its reasonable control.
ClearDebt does not accept any liability for any acts or omissions resulting from users’ decisions or opinions formed on the basis of use of the Website
These Terms and Conditions are governed by and shall be construed in accordance with English law. Disputes in connection with the Website shall be subject to the jurisdiction of English Courts.
We hope that users will find our Website informative and easy to use. We should be grateful to receive any comments or queries that users have concerning the Website, or any suggestions as to how it could be improved.
Use of the Website may involve you, providing certain information about yourself to us – for example, when accessing the ClearDebt Analyser, you will be asked to provide certain personal data and other information. We will, at all times, only process and use the personal information you provide in accordance with the Data Protection Act 1998. Only authorised employees, under appropriate confidentiality obligations, will have access to your personal information. We will use the information you submit for the purpose of providing you with the ClearDebt Analyser services and to help us try to personalise your future visits to our Website.
When using the ClearDebt Analyser you will be asked whether you would like to receive regular email updates with news and information from us. We will not contact you with such information unless you tick the appropriate box to indicate you wish to be contacted. We will only pass your details to selected third parties, whom we believe may be able to offer you appropriate help and advice, if you indicate you wish your details to be passed on, by ticking the appropriate box. If, after opting to receive information from us, or agreeing to allow your information to be made available to selected third parties, you decide that you no longer wish to do so, please inform us of this by phone.
Furthermore on this page we explain:
- How to manage Cookies
- What types of cookies are set on this website
- How to contact us about cookies
Most Internet browsers accept cookies automatically, but you can change the settings of your browser to delete cookies or block automatic acceptance of them.
If you wish to enable or disable cookies using your browser, please find below some instructions for doing so for the most common browsers.
For the most up to date information, we recommend you consult the help function in your browser.
How to disable or enable cookies from your browser
Microsoft Internet Explorer 6.0, 7.0, 8.0
- Click on ‘Tools’ at the top of your browser window and select ‘Internet Options’
- In the options window navigate to the ‘Privacy’ tab
- To enable cookies: Set the slider to ‘Medium’ or below
- To disable cookies: Move the slider to the top to block all cookies
- Note there are various levels of cookie enablement and disablement in Explorer. For more information on other cookie settings offered in Internet Explorer, refer to the following page from Microsoft: http://windows.microsoft.com/en-GB/windows-vista/Block-or-allow-cookies
Google Chrome Cookies
- Click on the ‘wrench’ icon on the browser (usually found top-right corner) to open the tools menu
- From the tools menu select ‘Options’
- Click the ‘Under the Hood’ tab from the menu on the left.
- In the ‘Privacy’ section, select the ‘Content settings’ button
- To enable cookies: select ‘Allow local data to be set’ option
- To disable cookies: select ‘Block all cookies’ option
- Note there are various levels of cookie enablement and disablement in Chrome. For more information on other cookie settings offered in Chrome, refer to the following page from Google: http://support.google.com/chrome/bin/answer.py?hl=en&answer=95647
- Click on ‘Tools’ at the browser menu and select ‘Options’
- Select the Privacy panel
- To enable cookies: Check ‘Accept cookies for sites’
- To disable cookies: Uncheck at ‘Accept cookies for sites’
- Note there are various levels of cookie enablement and disablement in Firefox. For more information, refer to the following page from Mozilla: http://support.mozilla.org/en-US/kb/Enabling%20and%20disabling%20cookies
- Click on ‘Setting’ at the browser menu and select ‘Settings’
- Select ‘Quick Preferences’
- To enable cookies: check “Enable Cookies”
- To disable cookies: uncheck “Enable Cookies”
- Note there are various levels of cookie enablement and disablement in Opera. For more information on other cookie settings offered in Opera, refer to the following page from Opera Software:http://www.opera.com/browser/tutorials/security/privacy/
OSafari on OSX
- Click on ‘Safari’ at the menu bar and select the ‘Preferences’ option
- Click on ‘Security’
- To enable cookies: In the ‘Accept cookies’ section select ‘Only from site you navigate to’
- To disable cookies: In the ‘Accept cookies’ section select ‘Never’
- Note there are various levels of cookie enablement and disablement in Safari. For more information on other cookie settings offered in Safari, refer to the following page from Apple:http://docs.info.apple.com/article.html?path=Safari/3.0/en/9277.html
As is widespread practice on many UK websites, this Website utilises several types of cookies.
We have categorised them as follows:
Session cookies are not saved on your disk. Session cookies do not collect information from the user’s computer. They typically will store information in the form of a session identification that does not personally identify the user.
Session cookies enable the website you are visiting to keep track of your movement from page to page so you don’t get asked for the same information you’ve already given to the site.
Persistent session cookies, which are stored on your computer or device’s hard disk help the website work in a similar way when you revisit the site a subsequent time. Persistent session cookies enhance a users experience of a site.
Session cookies are essential in order for the Debt Analyser to function correctly and for other parts of the ClearDebt website to operate optimally.
Analytics cookies, sometimes referred to as Performance cookies allow analysis of how visitors use our website in order to monitor website performance.
The information collected by Analytics cookies does not personally identify you. Analytics cookies may collect general information about your computer settings, your connection to the Internet e.g. operating system and platform, IP address, your browsing patterns and timings of browsing on the Website and your location.
We use the data from Analytics cookies to improve our Website content and experience for all visitors.
This Website uses Google Analytics software, a widely used service installed across approximately 15 million websites wordwide (http://trends.builtwith.com/analytics/Google-Analytics) to collect information about general website usage.
If you wish to block your browser from sending information to Google Analytics, you may use the Google Analytics Opt-out Browser Add-on (BETA) to do so.
Third party cookies
This Website also uses Third Party Cookies. These type of cookies are generated from services such as social media buttons, videos and commenting systems.
For example, these cookies remember your preferences so you can leave a comment without having to authenticate yourself again.
We use a variety of third party services including the specific services listed here. Their cookie and privacy policies are linked below:
Facebook, used throughout the site: http://www.facebook.com/about/privacy/your-info-on-other
Twitter, used throughout the site: https://twitter.com/privacy
Storify’s Terms of service: (for blog content) http://storify.com/tos
This Website uses a variety of advertising cookies when appropriate to serve visitors targeted advertising.
This includes the Google Adwords platform. For example, an advert for the ClearDebt Website may display on Google search engine result pages, their services or their partner website pages. Upon clicking such an advert and landing on a page on cleardebt.co.uk, this Website records that action. For more information about Google’s Advertising Privacy and how to opt-out, please visit: http://www.google.com/policies/privacy/ads/
Based on information about your visit to the ClearDebt Website and other websites (this information is anonymous in that it does not include your name, street address, e-mail address or telephone number) ClearDebt may serve advertisements that we believe are most likely to be of interest to you.
For more information about this type of online behavioural advertising, and about how to opt out, please visit http://www.youronlinechoices.co.uk