(2) Licence to use website
Unless otherwise stated, we or our licensors own the intellectual property rights in the website and material on the website. Subject to the licence below, all these intellectual property rights are reserved.
You must not:
republish material from this website (including republication on another website);
sell, rent or sub-license material from the website;
show any material from the website in public;
reproduce, duplicate, copy or otherwise exploit material on our website for a commercial purpose;
edit or otherwise modify any material on the website; or
redistribute material from this website [except for content specifically and expressly made available for redistribution (such as our newsletter).
Where content is specifically made available for redistribution, it may only be redistributed within your organisation.
(3) Acceptable use
You must not use our website in any way that causes, or may cause, damage to the website or impairment of the availability or accessibility of the website; or in any way which is unlawful, illegal, fraudulent or harmful, or in connection with any unlawful, illegal, fraudulent or harmful purpose or activity.
You must not use our website to copy, store, host, transmit, send, use, publish or distribute any material which consists of (or is linked to) any spyware, computer virus, Trojan horse, worm, keystroke logger, rootkit or other malicious computer software.
You must not conduct any systematic or automated data collection activities (including without limitation scraping, data mining, data extraction and data harvesting) on or in relation to our website without our express written consent.
(4) Restricted access
Access to certain areas of our website is restricted. We reserve the right to restrict access to areas of our website, or indeed our whole website, at our discretion.
If we provide you with a user ID and password to enable you to access restricted areas of our website or other content or services, you must ensure that that user ID and password is kept confidential.
We may disable your user ID and password in our sole discretion without notice or explanation.
(5) User generated content
You grant to us a worldwide, irrevocable, non-exclusive, royalty-free licence to use, reproduce, adapt, publish, translate and distribute your user content in any existing or future media. You also grant to us the right to sub-license these rights, and the right to bring an action for infringement of these rights.
Your user content must not be illegal or unlawful, must not infringe any third party’s legal rights, and must not be capable of giving rise to legal action whether against you or us or a third party (in each case under any applicable law).
Your user content (and its publication on our website) must not:
be libellous or maliciously false;
be obscene or indecent;
infringe any copyright, moral right, database right, trade mark right, design right, right in passing off, or other intellectual property right;
infringe any right of confidence, right of privacy, or right under data protection legislation;
constitute negligent advice or contain any negligent statement;
constitute negligent advice or contain any negligent statement;
be in contempt of any court, or in breach of any court order;
be in breach of racial or religious hatred or discrimination legislation;
be in breach of official secrets legislation;
be in breach of any contractual obligation owed to any person;
depict violence [in a explicit, graphic or gratuitous manner];
[be pornographic [or sexually explicit];
be untrue, false, inaccurate or misleading;
consist of or contain any instructions, advice or other information which may be acted upon and could, if acted upon, cause illness, injury or death, or any other loss or damage;
be offensive, deceptive, threatening, abusive, harassing, or menacing, hateful, discriminatory or inflammatory; or
cause annoyance, inconvenience or needless anxiety to any person.
Your user content must be appropriate, civil, tasteful and accord with generally accepted standards of etiquette and behaviour on the internet.
You must not submit any user content to the website that is or has ever been the subject of any threatened or actual legal proceedings or other similar complaint.
We reserve the right to edit or remove any material submitted to our website, or stored on our servers, or hosted or published upon our website.
(6) Limited warranties
Whilst we endeavour to ensure that the information on this website is correct, we do not warrant its completeness or accuracy; nor do we commit to ensuring that the website remains available or that the material on the website is kept up-to-date.
To the maximum extent permitted by applicable law we exclude all representations, warranties and conditions relating to this website and the use of this website (including, without limitation, any warranties implied by law of satisfactory quality, fitness for purpose and/or the use of reasonable care and skill).
(7) Limitations of liability
to the extent that the website and the information and services on the website are provided free-of-charge, we will not be liable for any loss or damage of any nature;
we will not be liable for any consequential, indirect or special loss or damage;
we will not be liable for any loss of profit, income, revenue, anticipated savings, contracts, business, goodwill, reputation, data, or information;
we will not be liable for any loss or damage arising out of any event or events beyond our reasonable control;
our maximum liability in relation to any event or series of related events will be limited to £100.
You agreed to the publication of comments, reviews and/or feedback relating to you, by others, on our website. You acknowledge that such comments, reviews and/or feedback may be critical or defamatory; and you agree that you will not hold us liable in respect of any such comments, reviews and/or feedback, irrespective of whether we are aware or ought to have been aware of such comments, reviews and/or feedback.
(9) Financial Advice
Think carefully before securing any debts against your home. By taking out a new consolidated loan, the repayment period is usually extended to reduce the monthly repayments and that can increase the total cost of the loan. As you would expect, all loans subject to status.
The financial information offered is not a complete and full assessment of your financial position and is not intended or to be considered as financial advice offered by Talk About Debt. A further more detailed assessment of your financial position will always be required.
When looking at any financial product or service you must read the full terms of that product or service carefully. Should you be in any doubt about what is meant by what you read or the effect of the information on you and your finances, you should seek qualified independent financial advice.
Talk About Debt cannot accept any responsibility for any issues arising as a result of your communication or contract with any third party companies or charities found on this website.
As a general point of advice, before you enter into any legal agreement with a third party we always recommend that you read their terms carefully and seek independent advice where necessary.
Talk About Debt sometimes receive fees as a result of your use of this services from companies featured on this website. These fees do not mean we are contracted to the third-party provider or have any involvement in any contract you form with a third-party provider.
send you one or more formal warnings;
temporarily suspend your access to the website;
permanently prohibit you from accessing the website;
block computers using your IP address from accessing the website;
contact your internet services provider and request that they block your access to the website;
bring court proceedings against you for breach of contract or otherwise;
suspend and/or delete your account with the website; and/or
delete and/or edit any or all of your user generated content.
Where we suspend or prohibit or block your access to our website or a part of our website, you must not take any action to circumvent such suspension or prohibition or blocking (including without limitation creating and/or using a different account).
(11) Third party websites
Our website includes hyperlinks to other websites owned and operated by third parties. These links are not recommendations. We have no control over the contents of third party websites, and we accept no responsibility for them or for any loss or damage that may arise from your use of them.
(12) Trade marks
Talk About Debt and our logo are trade marks belonging to us. We give no permission for the use of these trade marks, and such use may constitute an infringement of our rights.
The other registered and unregistered trade marks or service marks on our website are the property of their respective owners. Unless stated otherwise, we do not endorse and are not affiliated with any of the holders of any such rights and as such we cannot grant any licence to exercise such rights.
From time to time we may run competitions, free prize draws and/or other promotions on our website. These will be subject to separate terms and conditions (that we will make available to you as appropriate).
(17) Exclusion of third party rights
(18) Entire agreement
(19) Law and jurisdiction
(20) Our details
The full name of our company is Talk About Debt Ltd.
You can contact us by email to sarah [at] talkaboutdebt [dot] co [dot] uk
We are committed to safeguarding the privacy of our website visitors; this policy sets out how we will treat your personal information.
(1) What information do we collect?
We may collect, store and use the following kinds of personal data:
information about your computer and about your visits to and use of this website (including your IP address, geographical location, browser type, referral source, length of visit and number of page views);
information that you provide to us for the purpose of registering with us (including username, name, location, company, qualifications and email address);
information that you provide to us for the purpose of subscribing to our website services, email notifications and/or newsletters;
any other information that you choose to send to us; and
contributed information from community contributions, questions and answers and company reviews.
A cookie consists of information sent by a web server to a web browser, and stored by the browser. The information is then sent back to the server each time the browser requests a page from the server. This enables the web server to identify and track the web browser.
We may use both [“session” cookies] [and “persistent” cookies] on the website. We will use the session cookies to: keep track of you whilst you navigate the website; and other uses. We will use the persistent cookies to: enable our website to recognise you when you visit.
Session cookies will be deleted from your computer when you close your browser. Persistent cookies will remain stored on your computer until deleted, or until they reach a specified expiry date.
Most browsers allow you to refuse to accept cookies. (For example, in Internet Explorer you can refuse all cookies by clicking “Tools”, “Internet Options”, “Privacy”, and selecting “Block all cookies” using the sliding selector.) This will, however, have a negative impact upon the usability of many websites, including this one.
(3) Using your personal data
We may use your personal information to:
administer the website;
improve your browsing experience by personalising the website;
enable your use of the services available on the website;
send you general (non-marketing) commercial communications;
send you email notifications which you have specifically requested;
send to you [our newsletter and other] marketing communications relating to our business which we think may be of interest to you by post or, where you have specifically agreed to this, by email or similar technology (you can inform us at any time if you no longer require marketing communications);
provide third parties with statistical information about our users – but this information will not be used to identify any individual user;
deal with enquiries and complaints made by or about you relating to the website;
If you tell us what you are interested in then Talk About Debt will try to introduce you to a third party company that we think will be able to help you. It is our goal that all introductions are at your request and they match your requirement. We want you to know that all introduction are made in good faith.
Talk About Debt does not and can not provide a guarantee or warranty that the third party firm we introduce you to will be able to meet your unique requirement.
Where you submit personal information for publication on our website, we will publish and otherwise use that information in accordance with the license you grant to us.
We will not without your express consent provide your personal information to any third parties for the purpose of direct marketing.
In addition, we may disclose information about you:
to the extent that we are required to do so by law;
in connection with any legal proceedings or prospective legal proceedings;
in order to establish, exercise or defend our legal rights (including providing information to others for the purposes of fraud prevention and reducing credit risk); and
to the purchaser (or prospective purchaser) of any business or asset which we are (or are contemplating) selling.
(5) International data transfers
If you are in the European Economic Area (EEA), information which you provide may be transferred to countries (including the United States) which do not have data protection laws equivalent to those in force in the EEA.
In addition, personal information that you submit for publication on the website will be published on the internet and may be available, via the internet, around the world.
You expressly agree to such transfers of personal information.
(3) Acceptable use
(6) Security of your personal data
We will take reasonable technical and organisational precautions to prevent the loss, misuse or alteration of your personal information.
We will store all the personal information you provide on our secure (password- and firewall- protected) servers.
Of course, data transmission over the internet is inherently insecure, and we cannot guarantee the security of data sent over the internet.
You are responsible for keeping your password and user details confidential. We will not ask you for your password.
(7) Policy amendments
(8) Your rights
You may instruct us to provide you with any personal information we hold about you. Provision of such information may be subject to the payment of a fee (currently fixed at £10.00).
You may instruct us not to process your personal data for marketing purposes by email at any time. (In practice, you will usually either expressly agree in advance to our use of your personal data for marketing purposes, or we will provide you with an opportunity to opt-out of the use of your personal data for marketing purposes.)
(9) Third party websites
The website contains links to other websites. We are not responsible for the privacy policies or practices of third party websites.
(10) Updating information
Please let us know if the personal information which we hold about you needs to be corrected or updated.