Terms and conditions

PLEASE READ VERY CAREFULLY THESE TERMS AND CONDITIONS BEFORE ACCESSING OR USING THE WEBSITE BY ACCESSING OR USING THE WEBSITE YOU AGREE TO BE BOUND BY THE TERMS AND CONDITIONS DESCRIBED HEREIN. IF YOU DO NOT ACCEPT THESE TERMS AND CONDITIONS, PLEASE DO NOT REGISTER FOR OR PARTICIPATE IN THIS WEBSITE. 1. Introduction 1.1 This Website is operated by Friendly Score UK Limited. We are registered in England and Wales under company number 09168668 and have our registered office at 52 Brook Street, 1st Floor Mayfair, London, England, W1K 5DS (“Friendly Score”, “We”, “Us”). We are a limited company. Our VAT number is 206 9758 80 1.2 We are Authorised and Regulated by the Financial Conduct Authority. (FRN: 781963). 1.3 The binding agreement ("Agreement") between you and Friendly Score composes of these particular Terms and Conditions ("Terms and Conditions") together with our privacy policy contained at (“Privacy Policy”) which together apply to your use of the service provided via the following Internet website (the "Site"), 1.4 Please note that these Terms and Conditions affect your legal rights and obligations other than those that cannot be limited or excluded by law in the country in which you live. If any of these Terms and Conditions are found to be invalid or unenforceable in your country then the Agreement will be deemed to be amended to the extent required by your local laws. If you do not agree to be bound by all of Terms and Conditions, do not access or use the Site. 2. General conditions 2.1 Friendly Score services provided by the Site consist of algorithms that allow You to check the credit score based on different data, including information from social media (“Scoring” or the “Services”) and to receive additional information. Scoring may cover data of yourself ("Lender Profile”) or of your clients ("Borrower Profile") 2.2 All information you provide to Friendly Score about yourself or about any third party for the purposes of Scoring must be true, accurate, current and complete. 2.3 You agree to keep all information up to date and accurate. 2.4 By agreeing to these Terms and Conditions You confirm that you are authorized to give Friendly Score access to your data in accordance with the Privacy Policy and that You are responsible for acting accordingly with any relevant terms of any other social media site that contains data used for Scoring. 2.5 You must be at least 18 years old to use the Site. By using the Site You agree to be bound by these Terms and Conditions and confirm that you are at least 18 years of age and are lawfully fit and able to accept these Terms and Conditions. 2.6 You are entering into these Terms and Conditions in a personal capacity and not on behalf of a company or any trading entity. If you are acting in the course of a business then these terms and conditions will apply 2.7 Friendly Score reserves the right in our sole discretion to change at any time any of the Terms and Conditions. If You do not wish to continue to use the Scoring following that change You can simply cease to use the Service or notify us You wish to end the Agreement in accordance with Clause 8 below. You agree that your use of the Site after the date when the updated Terms and Conditions come into effect establishes an agreement based on the amended Terms and Conditions and will apply to your use of the Site from that point forward. 2.8 You are responsible for maintaining adequate security and control of any and all IDs, passwords, or any other codes that you use to access the Friendly Score Services. You are responsible for keeping your mailing address and email address up to date in your Profile. 3. Price and Payment 3.1 The provision of the Scoring is free of charge to You. We earn commission from third parties by recommending suitable products to You. 4. Intellectual Property Rights 4.1 Unless otherwise indicated, all of the content featured or displayed on the Site, including, but not limited to, text, graphics, data, photographic images, moving images, sound, illustrations, software, and the selection and arrangement thereof is owned by Friendly Score, its licensors, or its third-party image partners. All elements of the Site are protected by copyright and other laws relating to the protection of intellectual property. 4.2 In particular name "Friendly Score" and Friendly Score logo are trademarks owned by FRIENDLY SCORE UK LTD and are therefore subject to national as well as international protection. 5. Warranties 5.1 We warrant that: 5.1.1 we have full capacity and authority to enter into this Agreement and grant the Licence; and 5.1.2 the Scoring will be provided using reasonable skill and care; 5.2 Scoring is provided for informational purposes only. You acknowledge that, the analyses and tools available through the Friendly Score services, including, without limitation, social media scoring, are based on assumptions and subject to the limitations disclosed with respect to each such analysis or tool. 5.3 These Terms and Conditions are in place of all warranties, conditions, undertakings, terms and obligations implied by statute, common law, trade usage, cause of dealing or otherwise, all of which are hereby excluded to the fullest point of law. 6. Our liability to You 6.1 If we fail to comply with these terms, we are responsible for loss or damage you suffer that is a foreseeable result of our breaking this Agreement or our failing to use reasonable care and skill, but we are not responsible for any loss or damage that is not foreseeable. Loss or damage is foreseeable if either it is obvious that it will happen or if, at the time the Agreement was made, both we and you knew it might happen, for example, if you discussed it with us during the sales process. 6.2 We do not exclude or limit in any way our liability to you where it would be unlawful to do so. This includes liability for death or personal injury caused by our negligence or the negligence of our employees, agents or subcontractors; for fraud or fraudulent misrepresentation; for breach of your legal rights in relation to the services. 6.3 We are not liable for business losses. We only supply the products for domestic and private use. If you use the products for any commercial, business or re-sale purpose we will have no liability to you for any loss of profit, loss of business, business interruption, or loss of business opportunity. 6.4 We are not responsible for delays outside our control. If our supply of the Scoring is delayed by an event outside our control then we will contact you as soon as reasonably possible to let you know and we will take steps to minimise the effect of the delay. We will not be liable for delays caused by the event, and you may end the Agreement at any time in accordance with Clause 8. 7. How we may use your personal information. We will only use your personal information as set out in the Privacy Policy. 8. Ending the Agreement 8.1 The Agreement will continue until it is ended in accordance with this Clause 8 . 8.2 You can always end Your Agreement with us. You can notify us that you no longer wish the Agreement to apply by sending an email stating this to the address below. Your Agreement will end when we receive this email. 8.3 We may cancel the Agreement if we withdraw the Service. We may write to you to let you know that we are going to stop providing the Service. We will let you know at least 30 days in advance of our stopping the supply of the Service. 8.4 Either of party may end the Agreement if the other party is in breach of these Terms and Conditions and in these circumstances, where the breach is capable of being remedied, the party that is not in breach will send a notice to the party in breach giving 30 days notice to correct the breach. In the event that the breach is not fixed in that period the Agreement will terminate at the end of the notice period. Where the breach is not capable of remedy then the party not in breach will send a notice to the party in breach and the Agreement will end on the date the notice is received by the party in breach. 8.5 Because you are not charged for the Service there will be no refund or other compensation paid to you in the event that the Agreement has expired or been terminated by You or by Us. 9. Other Important Provisions 9.1 Where our Site contains links to other sites and resources provided by third parties, these links are provided for your information only. Such links should not be interpreted as approval by us of those linked websites or information you may obtain from them. We have no control over the contents of those sites or resources. 9.2 We do not guarantee that our Site will be secure or free from bugs or viruses. You are responsible for configuring your information technology, computer programmes and platform to access our Site. You should use your own virus protection software. You must not misuse our Site by knowingly introducing viruses, trojans, worms, logic bombs or other material that is malicious or technologically harmful. You must not attempt to gain unauthorised access to our Site, the server on which our Site is stored or any server, computer or database connected to our Site. You must not attack our Site 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 authorities 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 Site will cease immediately. 9.3 You may link to our home page, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it. You must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part where none exists. You must not establish a link to our Site in any website that is not owned by you. Our Site must not be framed on any other Site, nor may you create a link to any part of our Site other than the home page. We reserve the right to withdraw linking permission without notice. The website in which you are linking must not contain any material that: in any way that breaches any applicable local, national or international law or regulation; is unlawful or fraudulent, is defamatory of any person, is obscene, offensive, hateful or inflammatory, promote sexually explicit material, promotes violence, promotes discrimination based on race, sex, religion, nationality, disability, sexual orientation or age, infringes any intellectual property right of any other person. 9.4 If a court finds part of this Agreement illegal, the rest will continue in force. Each of the paragraphs of these terms operates separately. If any court or relevant authority decides that any of them are unlawful, the remaining paragraphs will remain in full force and effect. 9.5 Any waiver of any provision of the Terms and Conditions will be effective only if in writing and signed by Friendly Score. 9.6 We may transfer our rights and obligations under these terms to another organisation We will always tell you in writing if this happens and we will ensure that the transfer will not affect your rights under the Agreement. 9.7 The Agreement is personal to you and as the services we provide are based on your personal circumstances you cannot transfer your rights or your obligations under these Terms and Conditions to another person. 9.8 Nobody else has any rights under this Agreement. This Agreement is between you and us. No other person shall have any rights to enforce any of its terms. 9.9 Even if we delay in enforcing this Agreement, we can still enforce it later. If we do not insist immediately that you do anything you are required to do under these terms, or if we delay in taking steps against you in respect of your breaking this Agreement, that will not mean that you do not have to do those things and it will not prevent us taking steps against you at a later date. 10. Disputes and Applicable Law 10.1 We will do our best to amicably resolve all disputes arising in connection with the Agreement. 10.2 These Terms and Conditions are governed by English law and you can bring legal proceedings in respect of the Agreement in the English courts. 11. Contact If you have any questions concerning these Terms and Conditions You can contact us by telephoning our customer service team at +44 20 3709 6726 or by writing to us at or Friendly Score UK Ltd. 52 Brook Street 1st Floor, Mayfair London W1K 5DS.