Jump to section
- Who are we?
- Our Service
- How do we collect your personal information?
- What personal information do we collect about you?
- How do we use your personal information?
- Purposes for which we use your personal information
- How long do we keep your personal information for?
- Who do we share your personal information with?
- Automated Decision Making
- What are your legal rights?
- Is your personal information transferred outside the EEA?
- Data Security
- Complaints and contact details of our data protection officer
1. Who we are?
We (Digitonomy Limited) are a credit broker, authorised and regulated by the Financial Conduct Authority (FRN 690249). Helpful Holly is one of our trading styles, and we host this website. We are based in Chester, and our registered office is at the Steam Mill Business Centre, Steam Mill Street, Chester, Cheshire, CH3 5AN. Our registered company number is 08385135. We are registered with the Information Commissioner's Office with registration number ZA007309.
“Personal information” in this policy means any information that we collect that could identify you such as for e.g. your name, address and online identifiers like your IP address.
3. Our Service
When you ask us to search for a financial service or product, we will use the personal information you provide to us in the different ways described below to deliver “Our Service”.
We are a data controller in relation to the personal information you have given to us, and we store this in a UK data centre.
We then share your information with our panel of financial services firms who are authorised to provide the product or service you are looking for, (“Our Partners”).
Our Partners are separate data controllers when they receive this information, and they may process it for their legitimate interests to see whether they can provide you with the financial service or product you are looking for. For example, if you are enquiring about:
- A loan:
- A credit card:
- Help with your debt:
Our Partners will carry out a loan eligibility assessment and make an automated decision about you such as a soft search. (Please see point 10 below for more information about this and what rights you may have as a result).
If any of Our Partners are not able to help you, they may need to retain your personal information for a period of time (usually 12 months) so that they can use it to support their legal and regulatory obligations and their legitimate interests such as fraud and credit analysis. This also enables them to match any subsequent applications you might make during this time against the personal information held to ensure they do not credit search you unnecessarily.
Where you have been unsuccessful with your search for a loan, we may transfer you to one of Our Partners who provide a monthly subscription online service enabling you to access a suite of reporting tools, including your credit report and score, a dark web scan and a loan affordability tool.
If one of Our Partners is able to help, you will either be re-directed immediately to their website to complete your application, or you may be presented with a comparison table showing those products or services that you could be eligible for. If you decide to proceed with any of those offers, you will then be re-directed to Our Partner’s website to complete your application.
Our Partner will provide you with the terms and conditions for that loan product. If you decide to complete your application, they will also carry out their own identification and validation checks (including fraud prevention procedures, affordability and credit application checks), in accordance with their own criteria. Any full credit check, (also known as a "hard" search) carried out by any of Our Partners will be visible on your credit file to any other lender in the future.
We will check your eligibility by sharing the information you have given to us with our providers of pre-screening and eligibility checking services (HD Decisions - an Experian business, Madison CF UK Limited, trading as 118 118 Money and Capital One (Europe) plc) and certain members of our panel of credit card issuers, (who may then also contact credit reference agencies "CRAs"). We refer to these firms as "Our Providers."
Pre-screening means Our Providers use your information to carry out a soft search on you. This is a pre-application check of your credit record and will not have any impact on your credit rating. (Please see point 10 below for more information about this and what rights you may have as a result).
Our Providers will also use their internal databases, scoring methods and knowledge of acceptance criteria to determine your likelihood of being accepted, ("Eligibility Checks").
You will then be presented with those credit cards that you may be eligible for and will have the opportunity to apply directly with one of Our Partners. If you do this, we will share your information with Our Partner, and you will be re-directed to their website to complete your application.
Our Partner will provide you with terms and conditions for the credit card you are applying for, and if you decide to complete your application, they will also carry out their own identification and validation checks (including fraud prevention procedures, affordability and credit application checks), in accordance with their own criteria. Any full credit check, (also known as a "hard" search) carried out by any of Our Partners will be visible on your credit file to any other lender in the future.
We will carry out an assessment of your current financial situation and then share this information with Our Partner (either Peak Insolvency Ltd or Gregory Pennington Ltd) to see if they can help you. If they can, they will contact you to discuss the most suitable debt solution product for your needs. They will carry out an income and expenditure assessment, identification and validation checks (including fraud prevention procedures, affordability and credit checks), in accordance with their own criteria. Any full credit check, (also known as a "hard" search) will be visible on your credit file to any lender or other financial services firm in the future.
We will stay in contact with you about your enquiry (for eg by emailing or texting your results to you, or confirming any “next steps”), and about any of our similar products and services (unless you have asked us not to) using the contact details you have given to us.
4. How do we collect your personal information?
We collect personal information from you in the following ways:
4.1 Information you give us.
- Information you give us when you complete any online forms on our website to use Our Service.
- Information you provide when corresponding with us by phone, email and text message, or when you interact with us using social media such as Twitter, Facebook or Messenger etc. This includes information you might give us when using Our Service, leaving a review, or if you need to ask us a question, report a problem with our site or if you otherwise contact us.
4.2 Information we collect from you.
4.3 Information we receive from third parties.
- Pre-Screening and Eligibility Check data we receive from Our Providers.
- The outcome of any full applications that are made for a financial service or product you make as a result of using Our Service from Our Partners and from any third-party service providers we work with.
5. What Personal information do we collect from you?
In order to provide Our Service, we need to collect the following personal information about you:
Identity information: this includes your first and last name, and your date of birth.
Contact information: this includes your address; telephone number(s), and your email address.
Financial information: depending upon the financial product or service you are seeking, this could include details of your bank account; income and expenditure (including information about your debts); rent/mortgage repayments; child care costs (if relevant); the amount of money you are looking to borrow; the length and purpose of any loan; the date you are paid each month, and whether you have a debit card.
Employment information: this includes your employment status; the name of your employer; your job title, and the time you have been in your current job.
General information: this includes your homeowner status, your relationship status and the number of any dependents you may have.
Marketing and communications information: this includes your preferences in receiving marketing information about our similar products and services.
Technical information: this includes your internet protocol (IP) address used to connect your computer to the internet; your browser; time zone setting; your operating system and platform; the source of your enquiry (for example Google, Facebook, Bing etc) and the device that you are using. We also collect information about your visit to our site including the full Uniform Resource Locators (URL) to, through and from our site (including the date and time); page response times; download errors; lengths of visits to certain pages; page interaction information (such as scrolling; clicks and mouse-overs); methods used to browse away from the page, and, if you visited our site from a search engine, the address of that search engine and the search term you used.
Please note: it is your responsibility to check and ensure that any information you provide is correct, complete and accurate. If you fail to provide your personal information where requested, we will not be able to provide you with Our Service.
6. How do we use your personal information?
We will only collect and use your personal information when the law allows us to. Most commonly, we will use it in the following circumstances:
Where it is necessary for our legitimate Interests (or those of a third party): we may process your personal information for the legitimate interests of our business (or those of a third party) in providing Our Service to you, providing these interests do not override your privacy in any way. Our legitimate interests for processing your personal information are:
- The interests of our company in conducting, managing and improving our business. As a result, Our Service enables us to help you find the product or service you have expressed an interest in applying for. You will be contacted with this information, and (unless you have asked us not to) we will also send you information about our related products and services using the contact details you have provided. (Our right to do this is known as the “soft opt-in.” This is explained in more detail below.) Using your personal information in this way is an essential part of us being able to provide Our Service to you.
- To improve Our Service. To achieve this, we will use your personal information:
- to customise certain features of Our Service. This might include for example aggregating historic data from customers who have used our website in the past to help you find the best financial service or product you are searching for, and (unless you have asked us not to), remain in contact with you about similar products and services that we believe will be of interest and relevant to you;
- for market research;
- to enable you to use our Eligibility Checker tool if you are searching for a loan. Eligibility Checker enhances Our Service by enabling customers to assess their chances of being accepted for a loan. This is achieved using aggregated anonymised data that we hold internally and does not involve a soft credit search. (Aggregated anonymised data is data where the person’s identity has been removed and so no one can be identified from it), and
- to enable you to check your eligibility when searching for a credit card by sharing your information with Our Providers of Pre-screening and Eligibility Checking services (HD Decisions - an Experian business, Madison CF UK Limited trading as 118 118 Money and Capital One (Europe) plc) and certain of our panel of financial services firms.
We are dedicated to constantly finding ways to improve Our Service and using your personal information in these ways enables us to achieve this.
Soft opt-in is an exception to the general requirement to obtain consent before sending direct marketing to you by electronic means (such as email or text message for example) and applies where you have previously engaged with us (for example by submitting your contact details on our website to make an enquiry about Our Service), and we are marketing our similar products and services. Under the ‘soft opt-in’, we will assume you still want to hear about our other related products and services until you opt out or unsubscribe. For most customers, this is beneficial as it allows us to tell you about our other similar products services that we think would be useful to you alongside the specific one you originally expressed an interest in.
Marketing: we will only contact you in response to a request or communication from you or under the soft opt-in. We will not send unsolicited marketing communications to you about any other types of products or services.
Third-party marketing: we will not share your personal information with any company outside our company for their marketing purposes.
Change of purpose: we will only use your personal information for the purposes for which we collected it, unless we reasonably consider that we need to use it for another reason and that reason is compatible with the original purpose.
If we need to use your personal information for an unrelated purpose, we will notify you and we will explain the legal basis which allows us to do so.
Where we need to comply with a legal or regulatory obligation: we may process your personal information without your knowledge or consent, in compliance with the above rules, where this is required or permitted by law.
7. Purposes for which we use your personal information
We have set out below, in a table format, a description of the ways your personal information could be used by us, and which of the legal bases we rely on to do so. Note that we may process your personal information for more than one lawful ground depending on the specific purpose for which we are using your information. Please contact us if you need details about the specific legal ground we are relying on to process your personal information where more than one ground has been set out in the table below.
Type of data
Lawful basis for processing including basis of legitimate interest
To enable you to use Our Service and submit your application form to Our Partners
Necessary for our legitimate interests (to operate our business in providing and improving Our Service.)
To assess your eligibility for a product or service. For example, if you are enquiring about a loan, you will be able to use our Eligibility Checker tool to assess your chance of being accepted.
If you are enquiring about credit cards, you will be able to check your eligibility by sharing your information with Our Providers of Pre-screening and Eligibility Checking services (HD Decisions - an Experian business, Madison CF UK Limited trading as 118 118 Money and Capital One (Europe) plc) and certain of our panel of financial services firms.
If you are enquiring about help with your debts, you will be able to check whether or not there may be a debt solution product suitable for your circumstances by completing our debt assessment questionnaire which is then shared with Our Partner, (either Peak Insolvency Ltd or Gregory Pennington Ltd).
Necessary for our legitimate interests (to operate our business in providing and improving Our Service.)
To enable us to communicate with you:
(a) About your enquiry and any of our similar products and services (unless you have asked us not to) using the contact details you have given to us.
(b) About any enquiries or complaints, you may have.
(c) To ask you to complete a survey or provide us with feedback, testimonials or reviews
(c) Marketing and communications information
(a) Necessary for our legitimate interests (to operate our business in providing and improving Our Service, by remaining in contact with you about your enquiry and our similar products and services.)
(b) Necessary to comply with a legal obligation
To enable us to present you with advertisements about the products and services we provide and that we believe will be relevant to you and that you will be interested in, we may use your personal information to create a profile of you and your circumstances. These advertisements may be sent directly from us (unless you have asked us not to), or be presented to you via TV, radio, out-of-home advertising, digital advertising networks and social media companies such as Facebook, Google and Snapchat for e.g.
We believe we have a legitimate interest to profile your personal information in this way. However, you have the right to object if you do not want us to do this. In this case, please contact us by writing to the Customer Support Manager at Digitonomy Limited, Steam Mill Business Centre, Steam Mill Street, Chester, Cheshire, CH3 5AN, to tell us that you do not want your personal information to be used in this way.
(c) Marketing and communications information
(d) Technical information
Necessary for our legitimate interests (to provide you with advertisements relating to Our Service via TV, radio, out-of-home advertising, digital advertising networks and social media companies.)
To enable us to improve Our Service and share information with CRAs so that we can analyse patterns and trends that will help us to identify the most relevant product or service for you, and improve our ability to show you relevant adverts at the right time.
(f) Marketing and Communications
Necessary for our legitimate interests (to provide you with the most appropriate product or service for your needs and to provide you with relevant adverts).
To manage our relationship with you which will include:
(b) Asking you to leave a review or take a survey
(c) Marketing and Communications
(a) Necessary to comply with a legal obligation
(b) Necessary for our legitimate interests (to keep our records updated and to study how customers use our products/services)
To administer, improve and protect our business and this website (including training, troubleshooting, data analysis, testing, system maintenance, research, support, reporting and hosting of data)
(a) Necessary for our legitimate interests (for running our business, provision of administration and IT services, network security, to prevent fraud and in the context of a business reorganisation or group restructuring exercise)
(b) Necessary to comply with a legal obligation
To use data analytics to improve our website, products/services, marketing, customer relationships and experiences
Necessary for our legitimate interests (to define types of customers for our products and services, to keep our website updated and relevant, to develop our business and to improve our marketing strategy)
8. How long do we keep your personal information for?
Unless required by law to keep your personal information for a different period of time, we will keep it for no longer than 12 months from the date you last used Our Service or until you ask us to delete it. Please note that if you ask us to delete your personal information it may still remain on our backup systems for legal or other regulatory reasons.
9. Who do we share your personal information with?
When you use Our Service, your information will be shared with the following third parties or categories of third party:
- Our Providers: when you check your eligibility for a credit card through our site, we will share the information you provide to us with Our Providers of Pre-screening and Eligibility Checking services. Please note that the following privacy notices will apply to the relevant third party's handling of your data, alternatively details can be found on their individual websites:
- HD Decisions Limited (an Experian business) Privacy Notice (provider of eligibility scoring across a range of Our Partners and their products)
- Capital One (Europe) plc Privacy Notice (provider of eligibility scoring for Capital One products)
- Madison CF UK Limited trading as 118 118 Money Privacy Notice (provider of eligibility scoring for 118 products)
- Our Partners: to help you find the financial product or service you are using our website to find, and to send you marketing communications if you gave them your consent to this. If you are searching for a loan or credit card product, Our Partners comprise a panel of consumer credit lenders, brokers and credit card issuers. If you are enquiring about help with your debts, Our Partners are Peak Insolvency Limited and Gregory Pennington Limited. If you have been unsuccessful with your search for a loan, Our Partners comprise financial services firms who are authorised to provide credit information services and can offer you a range of credit reporting tools. Where required, Our Partners are authorised and regulated by the Financial Conduct Authority.
- Broadcasting networks (such as TV and radio stations), media buying and advertising networks, and social media companies (such as Facebook, Google and SnapChat) so that we can present relevant advertisements to you.
- CRAs : to help us to improve Our Service, we occasionally share customer personal information with CRAs. They aggregate this information so that no one can be identified. We can then analyse patterns and trends that help us to identify the most appropriate product or service for you, and improve our ability to show you relevant adverts at the right time that may be of interest to you.
- Other companies who enable us to provide Our Service or who provide services to us, for example IT Service Providers (who provide for e.g. technology platforms or other IT services including data storage), and communication providers (who provide for e.g. email and text services for customer contact and marketing purposes) and marketing data analysis providers (who provide for e.g. audience insights and analysis).
These third parties help us to provide Our Service. In order that they can do this, we may need to let them process your personal information. We will make sure that they keep the information secure and in accordance with our instructions, the General Data Protection Regulation 2016 (“GDPR”) and other UK privacy legislation.
We will also share your personal information when we have your consent, or where we are obliged to do so for a legal or regulatory reason, for e.g. to prevent or detect crime, for compliance monitoring or to enforce or apply our Terms & Conditions and other agreements.
10. Automated Decision Making
An automated decision is one where a computer or system is used to assess the information you provide to make a decision about you. We do not make automated decisions about you however, Our Partners may do this when we share your personal information with them so that they can make an assessment of your eligibility for Our Service. An example of this is the soft search that Our Partners will carry out upon you if you make an application for a loan or credit card.
(Note: a “soft” credit search helps Our Partner to decide whether or not they may be able to lend money to you. Unlike a “hard” credit search, a soft search is recorded on your credit file, but only you rather than any other lender will be able to see it. A soft search does not therefore affect your credit rating.)
As a result, you have the right to ask Our Partners that they do not make a final decision based solely on automated means. You can also object to the automated decision and ask that a person reviews it. If you ask us, we can tell you which of Our Partners has made an automated decision about you. To exercise this right, you will then need to contact Our Partners directly.
11. What are your legal rights?
- Right to Object - because you have asked us to help you find a financial product or service, we need to process the personal information you give us to enable us to find the best product or service available amongst Our Partners. You can object to this processing (including any profiling and/or direct marketing that we carry out) at any time by sending us a message via contact, or by writing to the Customer Support Manager at Digitonomy Limited, Steam Mill Business Centre, Steam Mill Street, Chester, Cheshire, CH3 5AN. We will action any request you make promptly, although this will mean that we will not be able to help you find the financial product or service that you asked us to search for.
- Right of Access - you can ask us at any time to confirm whether we hold your personal information, and if so you can access it by writing to us at: Data Subject Access Request Department, Digitonomy Limited, Steam Mill Business Centre, Steam Mill Street, Chester, Cheshire, CH3 5AN or by sending us an email.
- Right to rectification - if we hold personal information about you that is inaccurate, you can ask us to correct it, and we will do this as quickly as possible.
- Right to erasure – if it is no longer necessary for us to hold your personal information bearing in mind the reason why you provided it to us, you can ask us to delete it. If you ask us to do this, we will delete your personal information as soon as possible although this will mean that we may not be able to help you find the financial product or service that you asked us to search for.
- Right to restrict our use of your information - you can ask us to restrict our processing of your personal information if you think for example that the personal information you gave us is inaccurate. This may mean that we may not be able to help you find the financial product or service that you asked us to search for.
- Right to complain to the Information Commissioner’s Office (ICO) - we will try to resolve any complaint that you may have in relation to data protection issues. If you are not happy with our final response you have the right to have your complaint dealt with by the ICO. See section 14 - “Complaints and contact details of our data protection officer.”
12. Is your personal information transferred outside the European Economic Area (“EEA”)?
Although we do not routinely transfer personal information outside the UK, we may sometimes need to do this where any of Our Partners or third-party suppliers are either based outside the EEA, or where they use data processors based outside the EEA. Where this is the case, we will make sure that they agree to: keep your personal information secure; apply the same levels of protection as we are required to apply to information held in the UK, and to use it only for the purpose of providing Our Service. We will do this by putting in place appropriate safeguards and protections as stated under UK law, for example using a data-transfer agreement incorporating certain standard model protection clauses.
13. Data security
We have put in place appropriate security measures to prevent your personal information from being accidentally lost, used or accessed in an unauthorised way, altered or disclosed. In addition, we limit access to your personal information to those employees, agents, contractors and other third parties who have a business need to know. They will only process your personal information on our instructions and they are subject to a duty of confidentiality.
We have put in place procedures to deal with any suspected personal data breach and will notify you and any applicable regulator of a breach where we are legally required to do so.
14. Complaints and contact details for our data protection officer
We want you to be confident that we are handling your personal information responsibly and in line with good practice. If you are concerned that we are not doing this, you should contact us immediately. We will treat your concern seriously and work with you to try and resolve it.
Please address your correspondence to:
The Data Protection Officer
The Steam Mill Business Centre
Steam Mill Street
We have implemented and use Google Display Network (GDN) Impression Reporting, Demographics and Interest
Reporting, Remarketing with Analytics and Segments.
Whilst we cannot control adverts you may see on other websites, you are free to opt-out of or change your settings regarding ad personalisation at any time, by going to your Google Ads Preferences Manager.
Last updated 02/12/2019
Terms & Conditions
- 1.Who are we?
- 2.Your acceptance of these Terms and conditions
- 3.Changes to these Terms and conditions
- 4.The Helpful Holly Service
- 5.Your use of our Website
- 6.Communication from or on behalf of Helpful Holly
- 7.Credit checks and References
- 8.Intellectual Property Rights
- 9.Third party websites and Links from Our Website
- 10.Information about you and your visits to our website
- 11.Financial Information
- 12.Our Liability
- 13.Viruses, Hacking and other Offences
- 15.Applicable Law and Jurisdiction
- 17.How to Contact Us
Thank you for visiting helpfulholly.com
Below you'll find a few important things you need to know about us and your use of our services. Please read these terms and conditions carefully before you start to use our services.
By using our website, you accept our terms and conditions, agree to abide by them, and agree to use our service only for lawful purposes.
If you do not agree to these terms and conditions, please do not use our service.
1. Who are we?
Helpful Holly is a registered trading name of Digitonomy Limited, registered in England and Wales (company number 08385135), registered office: Steam Mill Business Centre, Steam Mill Street, Chester, Cheshire, CH3 5AN. Licenced by the Information Commissioners Office, (registration number ZA007309).
2. Your acceptance of these Terms and conditions
If you do not agree to these terms and conditions, you should stop using and/or accessing our website immediately. If you breach any of these terms, your right to access and use our website will cease immediately.
We acknowledge our obligations to this agreement by performing the service you have requested. In doing so, we are the service provider and you are our customer.
We deal directly with you and have no obligation to any party other than you, our customer.
If you are accessing our service on behalf of someone else, our obligation is still with you, the customer. As our customer, the terms and conditions of this agreement apply to you, not with any other parties or agents that may be connected to you.
3. Changes to these Terms and conditions
We reserve the right to amend these terms and conditions from time to time by amending this page. The amended terms and conditions will be effective from the date they are posted on our website.
By continuing to use our website after changes are posted you are accepting our new terms and conditions.
4. The Helpful Holly service
Helpful Holly is not authorised for debt counselling or debt adjustment activities, but is an independent website created to help users find debt help and advice. Following completion of our debt assessment form, we will introduce you to one of our trusted regulated partners (“Our Partner(s)”) who will contact you by telephone to discuss your situation. This means we may receive a fee from the third party for successfully introducing you. You will not be responsible for paying this fee.
5. Your use of our Website
Our website is for your personal use only and you must not use it in any unlawful or fraudulent manner. You should only use our service if you a UK resident aged 18 years or over.
If you are using our website on behalf of another person, you are responsible for ensuring that they understand and agree to these terms and conditions. When you provide their information, you are confirming to us that you have their permission to do this.
6. Communication from or on behalf of Helpful Holly
We will stay in contact with you about your enquiry, for eg by emailing or texting your results to you, or confirming any “next steps.”
7. Credit checks and References
We do not carry out credit checks on you when you use our website to find a financial product or service.
However, Our Partners may use external credit reference agencies and credit scoring services to ascertain whether you are eligible for a particular product or service and that you meet their eligibility criteria.
Credit checks and credit reference agencies can also help prevent fraudulent applications. When you use our site to seek help with your debts, you agree to Our Partners using your personal information to prevent fraud and to verify your identity. This data may be used by a Credit Reference Agency or Fraud Agency and these agencies may keep a record of your information.
You are responsible for ensuring that the information you provide is true and accurate. Misleading information will be regarded as a breach of our terms and is likely to breach any agreement you enter into with Our Partners. Furthermore, misleading information may also result in the instigation of criminal procedures against you.
8. Intellectual Property Rights
We are the owner or the licensee of all intellectual property rights in our website, and in the material published on it. Those works are protected by copyright laws and treaties around the world. All such rights are reserved.
You may print off one copy, and may download extracts, of any page(s) from our website for your personal reference and you may draw the attention of others to material posted on our website.
You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text.
Our status (and that of any identified contributors) as the authors of material on our website must always be acknowledged.
You must not use any part of the materials on our website for commercial purposes without obtaining a licence to do so from us or our licensors.
All rights in Helpful Holly are owned by us.
9. Third party websites and Links from our Website
If you leave our website to complete an application for a product or service on the website of one of Our Partners, it is very important that you read their terms and conditions to make sure you understand and accept them.
Where our website contains links to other sites and resources provided by third parties, these links are provided for your information only. We have no control over the contents of those sites or resources and accept no responsibility for them or for any loss or damage that may arise from your use of them.
10. Information about you and your visits to our website
We aim to ensure that the material on our website is accurate and try to correct any errors or omissions as soon as we become aware of them. However, we cannot guarantee that our website is always accurate and error free. We therefore reserve the right to amend any information displayed at any time.
11. Financial Information
The information on our website is not intended to be construed as financial or other advice. It is provided to help you find the product or service that you consider is the most appropriate for your circumstances. If you think you need financial advice, you should contact a registered and qualified Independent Financial Adviser (IFA).
12. Our liability
We do not accept responsibility or liability for any loss or damage you may incur (whether directly or indirectly) in the following circumstances:If the information you provide to us is incorrect, incomplete or misleading; If the product or service you apply for is not appropriate for you; As a result of any acts or omissions of Our Partners regarding the product or service you are applying for, and/or As a result of your use, or inability to use our website due to circumstances beyond our reasonable control.
This does not affect our liability for death or personal injury arising from our negligence, nor our liability for fraudulent misrepresentation or misrepresentation as to a fundamental matter, nor any other liability which cannot be excluded or limited under applicable law including but not limited to the Financial Services and Markets Act 2000, as amended, ("FSMA") or any conduct of business rules developed pursuant to FSMA.
13. Viruses, Hacking and other Offences
You must not misuse our website by knowingly introducing viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not attempt to gain unauthorised access to our website, the server on which our website is stored, or any server, computer or database connected to our website. You must not attack our website via a denial-of-service attack or a distributed denial-of service attack.
By breaching this provision, you would commit a criminal offence under the Computer Misuse Act 1990. We will report any such breach to the relevant law enforcement, and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use our website will cease immediately.
We will not be liable for any loss or damage caused by a distributed denial-of-service attack, viruses or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of our website or to your downloading of any material posted on it, or on any website linked to it.
You must not establish a link from any website that is not owned by you.
Our website must not be framed on any other site, nor may you create a link to any part of our website other than the home page. We reserve the right to withdraw linking permission without notice.
If you wish to make any use of material on our website other than that set out above, please contact us on our contact form by clicking here.
We aim to offer an excellent service to all our customers. If you feel that we have failed to provide our service or wish to make a formal complaint of any kind, please write to:
Steam Mill Business Centre,
Steam Mill Street,
A response will be provided promptly upon receipt of your letter of complaint.
If we do not resolve your complaint internally to your satisfaction, you may be able to refer your complaint to the Financial Ombudsman Service:Financial Ombudsman Service, Exchange Tower, London, E14 9SR.
15. Applicable Law and Jurisdiction
These terms and conditions and your access to and use of our website (including any dispute or claim arising out of or in connection with them), shall be governed by and interpreted in accordance with English law.
You agree to submit to the exclusive jurisdiction of the courts of England and Wales in connection with these terms and conditions and your access to and use of our website.
This agreement is in English and all communications between you and us will be in English.
If any provision of these terms and conditions is found to be unlawful, invalid or unenforceable, that provision shall be deemed deleted from these terms and conditions and shall not affect the validity or enforceability of the remaining terms and conditions.
No failure or delay by us in exercising any of our rights under these terms and conditions shall constitute a waiver of that right nor will any single or partial exercise by us of any right preclude any further exercise of any right.
17. How to Contact Us
If you have any questions about these terms and conditions, or would like to contact us for any other reason, you can contact us:
by post: Customer Services Manager, Digitonomy Limited, Steam Mill Business Centre, Steam Mill Street, Chester, Cheshire, CH3 5AN, or
by email: please click here to submit a contact form.
Last updated 07/01/2020
Back to your chat with holly