Our Licences and Authorisations

LIMITED COMPANY REGISTRATION DETAILS

NAME OF COMPANY:       Debt Free UK Ltd
STATUS:                       Registered Private Limited Company
REGISTERED IN:             England and Wales
REGISTRATION NO:        6381804
REGISTERED OFFICE:      Bridge House, 4 Borough High Street, London, SE1 9QR
REGISTERED AT:            Companies House
REGISTRAR'S URL:          www.companieshouse.gov.uk

CLAIMS MANAGEMENT ACTIVITIES REGULATOR

NAME OF COMPANY:       Debt Free UK Ltd
STATUS:                       Authorised
AUTHORISATION NO:     CRM12203
REGULATED BY:             Claims Management Regulation Monitoring & Compliance Unit (Ministry of Justice)
REGISTRAR'S URL:          www.claimsregulation.gov.uk

DATA PROTECTION REGISTRATION DETAILS

NAME OF COMPANY:       Debt Free UK Ltd
STATUS:                       Registered
REGISTRATION NO:        Z1107160
REGISTERED WITH:        Information Commissioners Office
REGISTRAR'S URL:          www.ico.gov.uk

OUR COMPLAINTS HANDLING PROCEDURE

We aim to provide a professional service to our Clients and will seek to provide our Clients with the best possible service at all times. We will always seek to act in the best interests of our Clients and we will treat Clients fairly at all times. 

However, if as a client you do not believe we are providing a satisfactory service or have a complaint about the Service we provide, you may make a formal complaint. We operate a formal Complaints Handling Procedure which seeks to resolve Clients complaints fairly and as quickly as possible. When you originally became a Client of our Company our Terms of   Business advised you of the existence of this Policy. This document provides details of our Complaints Handling Procedure. 


How To Make A Complaint

Should you wish to make a complaint, you may do so in any of the following ways:

• Telephoning: 01702 43 77 74 and asking to speak to our Complaints Handling Manager
• In Person: By telephoning 01702 43 77 74 to make an appointment with our Complaints Handling Manager
• Emailing: Business@loan-free.co.uk
• Facsimile Transmission: To The Complaints Handling Manager on: 01702 43 74 55
• Letter: To The Complaints Handling Manager, Loan Free, 30 Clarence Street, Southend on Sea, Essex. SS1 1BD

Although you are not obliged to do so, in order to avoid any misunderstanding and to allow our Company to attempt to resolve your complaint as quickly as possible, we would encourage Clients to make their complaint in writing, providing our Company with as much detail as possible and addressing the complaint to The Complaints Handling Manager.


How We Will Deal With Your Complaint

We reserve the right to decline to consider a complaint that is made more than six months after you became aware of the cause of your complaint. At our discretion there may be instances where we may be prepared to waive this requirement. We will confirm to you in writing if a complaint has been made outside the time limit and if we are prepared to consider it.

We reserve the right to decline to consider a complaint about a service provided by a third party, not under our control.

Where possible, your complaint will not be dealt with by the person directly involved in your complaint or the person that   is the subject of your complaint. The person who will deal with your complaint will be identified to you in writing and they will have the authority or access to a person who has the authority to settle your complaint on behalf of our Company.

If we decide that your complaint is justified, we will provide you with what we consider to be appropriate redress. We may decide that this appropriate redress is in the form of: a written apology or an offer to redo the work or Financial redress. However, providing you with appropriate redress will not necessarily mean that you will receive Financial redress. 


How Quickly Will We Deal With Your Complaint

• Within five working days: of receiving your complaint we will send you a written or electronic acknowledgement of our receipt of your complaint and will identify and provide the job title of the person who will be responsible for dealing with your complaint. We will also provide you with written details of our Complaints Handling Procedure.
  
• Within four weeks: of receiving your complaint we will provide you with our Final Response that we believe adequately addresses your complaint or alternatively provide you with a holding response which confirms to you why we are not yet in a position to provide you with our final response, provide you with an indication of when we will contact you further regarding this matter and that this contact will be within eight weeks of receiving your complaint.
  
• Within eight weeks: of receiving your complaint we will provide you with our Final Response that we believe adequately addresses your complaint or alternatively provide you with a response which confirms to you why we are not yet in a position to provide you with our Final Response, provide you with an indication of when we will contact you further regarding this matter and we will also confirm to you that if you are dissatisfied with the delay that has occurred you may refer our handling of your complaint to The Claims Management Regulator.
  
  

If You Are Dissatisfied With Our Final Response

When you have received our Final Response if you are dissatisfied with the response or if you do not receive our Final Response within eight weeks of our receipt of your complaint, you can refer our handling of your complaint to the Claims Management Regulator. The Claims Management Regulator is The Ministry of Justice's Claims Management Regulation Monitoring & Compliance Unit. They can review our handling of your complaint or in certain circumstances review your complaint. The Claims Management Regulation Monitoring & Compliance Unit can give a direction of further handling of the complaint, however they cannot determine a complaint or award compensation.   


The Claims Management Regulation Monitoring & Compliance Unit Contact Details

The Ministry of Justice's Claims Management Regulation Monitoring & Compliance Unit contact details are as follows: The Claims Management Regulation Monitoring & Compliance Unit, 57-60 High Street, Burton upon Trent, Staffordshire, DE14 1JS. Telephone: 0845 450 6858. Facsimile: 0845 450 6866 email address: info@claimsregulation.gov.uk. 


Our Company's Authorisation Details

Loan Free is a Service provided by and a trading style of Debt Free UK Ltd. Debt Free UK Ltd is Regulated by The Ministry of Justice in respect of Regulated Claims Management Activities. Our Authorisation Number is: CRM12203 and our Registration is recorded on the Ministry of Justice website which is: www.claimsregulation.gov.uk.   

UNENFORCEABLE CREDIT AGREEMENT TERMS OF BUSINESS

1.1    The Individual Client or Clients detailed below hereinafter referred to as The Client and Loan Free a Service provided by and a trading style of Debt Free UK LTD hereinafter referred to as Loan Free: Understand and Agree to the following Terms and Conditions:    

2.1    The Client requests that Loan Free provide The Service in respect of the Credit Agreement(s) detailed within this Credit Agreement Questionnaire and within any Additional Credit Agreements forms, hereinafter referred to as the Nominated Credit Agreements.

3.1    Loan Free agree to provide The Service described in this document in respect of The Nominated Credit Agreements, hereinafter referred to as The Service. The Service provided by Loan Free will only consist of The Service described in this document.

4.1   The Service provided by Loan Free will consist of Loan Free referring The Client to a Firm of Solicitors who will agree to investigate The Client's Nominated Credit Agreements to conclude whether they consider the Agreements to be Unenforceable under the terms of The Consumer Credit Act 1974, hereinafter referred to as The Solicitors.

5.1   The Solicitors, following their evaluation, may at their absolute discretion subsequently agree to represent The Clients claim for the Unenforceability of the Nominated Credit Agreements, however such acceptance by The Solicitors can not be influenced by Loan Free.

6.1   The Client will not pay Loan Free a fee to provide The Service. However, if The Client wishes to use The Solicitors to investigate The Nominated Credit Agreements, they will be required to pay an Administration fee to The Solicitors.

7.1   If The Client is dissatisfied with The Service provided by Loan Free, Loan Free operate a formal complaints handling procedure. The Client may access Loan Free's formal complaints handling procedure by contacting Loan Free's Complaints Handling Manager. Loan Free will not accept a complaint from the Client relating to The Service provided by The Solicitors, The Solicitors operate their own formal complaints handling procedure and the details of this procedure will be provided directly to The Client by The Solicitors.

8.1   The Solicitors and Loan Free maintain a close business relationship and The Solicitors will pay Loan Free a referral fee for introducing The Client to them and will also pay a further referral fee if The Solicitors are successful in winning The Client's claim.

9.1   If The Client is introduced to Loan Free by a third party, Loan Free may pay the third party an introductory Fee for introducing The Client. Loan Free may pay a further introductory fee to the third party if The Solicitors are successful in winning The Client's claim. The amount of any introductory fees paid to any third party by Loan Free will be disclosed to The Client.

10.1 Loan Free will only provide information based on their current interpretation of information provided by The Solicitors and consequently Loan Free will not be liable for any misrepresentations, errors or omissions. The Solicitors are a independent third party, therefore Loan Free will not be liable to The Client for any consequences of The Solicitors provision of service to The Client.

11.1 The Solicitors will provide The Client with a seven day cancellation period in which The Client is able to cancel the agreement they may enter into with The Solicitors. Thereafter, the Administration fee The Client will pay to The Solicitors will pay for their investigation of the nominated Credit Agreements and will not be refundable unless The Client is successful in winning their Claim.

12.1 The Client is aware they are entitled to seek independent advice, complain to their Lender or their Regulator, take Court action against their Lender, use an alternative Claims Management Company, instruct The Solicitors directly or instruct an independent Solicitor.

13.1 The Client agrees to fully cooperate with The Solicitors, to provide confirmation of account numbers relating to The Nominated Credit Agreements, if necessary to attend Court with The Solicitors, enter into any Insurance Policy recommended by The Solicitors at no additional expense to The Client and to provide any other information The Solicitors require within a reasonable period of time.

14.1 The Client declares that the information provided within this document is truthful, correct and can be relied upon by The Solicitors to investigate The Nominated Credit Agreements and where appropriate to subsequently pursue The Clients Claim for Unenforceability.

15.1 The Client agrees that The Solicitors, Loan Free, Loan Free's Associates and any joint Client may share The Clients information between themselves or contact The Client at any time to discuss their case or inform them of details of other Services. The Client irrevocably authorises Loan Free to disclose all information The Client has provided to The Solicitors. The Client irrevocably authorises The Solicitors to disclose all information The Client has provided and details of the progress of The Clients Claim to Loan Free.

16.1 The Client and Loan Free agree that the Terms of this Agreement shall take precedence and supersede all previous agreements or information provided prior to the signing of this Agreement. If any part of this Agreement becomes unenforceable it will in no way affect the enforceability of any other part of this Agreement. It is agreed that the Law that shall be applicable to this Agreement shall be English Law. The Parties sign below to agree to be irrevocably bound by the Terms and Conditions contained within this document.     

PAYMENT PROTECTION CLAIMS TERMS OF BUSINESS 

The Parties: This Agreement is made between The Client or Clients detailed and signing below hereinafter referred to as The Client and Loan Free, a service provided by Debt Free UK Ltd or their Agents CPH Financial Ltd. The Client agrees that Loan Free (Debt Free UK Ltd) may at their absolute discretion, entrust their Agents CPH Financial Ltd to provide the service and pursue The Clients Claim by providing the services. Should Loan Free (Debt Free UK Ltd) instruct their Agents CPH Financial Ltd to provide the services, then all benefits and liabilities under the terms of this Agreement will be transferred to CPH Financial Ltd. Upon receipt of The Clients duly completed Questionnaire and relevant documentation, Loan Free will inform The Client whether Loan Free (Debt Free UK Ltd) or CPH Financial Ltd will be pursuing their claim within seven days, upon notification to The Client by Loan Free (Debt Free UK Ltd), CPH Financial Ltd will be entitled to receive all benefits that arise under the terms of this Agreement. However, Loan Free (Debt Free UK Ltd) will receive payment from CPH Financial Ltd of half of the benefits that arise from the terms of this Agreement. Loan Free (Debt Free UK Ltd) and CPH Financial Ltd will within the terms of this contract hereinafter be referred to as The Company.

The Services: The Client hereby requests The Company provides the services. The Company or its appointed Legal Practitioners will seek to obtain copies of any: Loan, Credit Card, Intermediary documentation and Insurance documentation in respect of a Loan, Credit Card or Insurance Policy that The Client has nominated and entered into. Where appropriate an application to the Court will be made for the disclosure by The client's Lender and/or Broker for copies of the relevant Agreements. The Company will then provide an assessment of the Agreements to establish whether there is in principle a claim in respect of breaches of the Financial Services and Markets Act 2000, the Compensation Act 1988, the Enterprise Act 202, Articles 81 & 82 of the EC treaty and Consumer Credit Act 1974, which would result in an improperly executed Agreement or whether there has been breach of the law of Agency by The Client's Broker resulting in the making of a section commission or profit or in respect of unfair charges applied The Clients Account. In the event that The Company forms the view that there has been a breach as described above, then The Client's claim may be referred to a Panel of Solicitors to enable the claim to be pursued on behalf of The Client on a Conditional Fee Basis.

The Procedures that Will Be Followed: Upon receipt of the completed Questionnaire and appropriate documentation, The Company will forward a request for information to the: Lender, Insurance Company and Broker (if known) as required. In the event of an unsatisfactory response from the: Lender, Insurance Company, Broker, The client's claim may be forwarded to a Panel Solicitor to pursue an Application for Disclosure of the necessary documents. Upon completion of disclosure whether voluntary or following a Court Order The Company will vet The Clients claim to establish whether there is a viable claim and dependent on the estimate of the claim value may pursue the Claim or at The Company's absolute discretion, instruct a Solicitor to pursue the Claim on The Clients behalf.

Fees: No Fee will be charged to The Client in respect of an unsuccessful claim, which means The Client does not receive any form of Financial refund and Compensation. Where a claim is successful, The Company or the Solicitors representing The Client will be entitled to a fee calculated at a rate of 25% (plus Vat at the prevailing rate) of the total amount of financial refund and Compensation The Client is awarded, in respect of The Clients Claim. Should The Client receive and accept an offer of Financial refund and Compensation when in the opinion of The Company a greater Financial award is achievable, the fees will be calculated and charged at 25% (plus Vat at the prevailing rate) of the Financial refund and Compensation paid to The Client subject to a minimum charge of £2000 (plus Vat at the prevailing rate). Should The Client agree that it is in their best interests for a Solicitor to represent their claim, then The Client will enter into a further Conditional Fee Agreement with the Solicitors. In the event of the Solicitors winning The Clients claim, the Solicitors will be entitled to recover their fees and costs from the defendant and The Company shall remain entitled to a fee calculated at a rate of 25% (plus Vat at the prevailing rate) of the total amount of financial refund and compensation The Client is awarded, in respect of The Clients Claim.

Fees Examples: Example 1: Financial refund and Compensation awarded to The Client of £10,000. The Fee to The Company would be £2,500 (plus Vat at the prevailing rate), therefore, The Client would receive £7,500 (less Vat at the prevailing rate). Example 2: Financial refund and Compensation awarded to The Client of £15,000. The Fee to The Company would be £3,750 (plus Vat at the prevailing rate), therefore, The Client would receive £11,250 (less Vat at the prevailing rate). Example 3: Financial refund and Compensation awarded to The Client of £0.00. The Fee to The Company would be £0.00 therefore, The Client would receive £0.00.

Cancellation: The Client is entitled to cancel this Agreement by notifying The Company in writing within fourteen days from signing this Agreement. However, should The Client: cancel this Agreement after fourteen days from signing this Agreement, fail to cooperate, fail to provide documents available to them in support of their claim, provide any misleading information or seek to accept an offer of settlement from a Lender, Insurance Company or Broker, without The Company's consent, The Client will become liable to pay to The Company the greater of either a fee calculated by the number of hours The Company and their Agents have worked on behalf of The Client multiplied by the hourly rate of £150.00 (plus Vat at the prevailing rate) or the fee (plus Vat at the prevailing rate) that would have been due to The Company if they had continued to pursue The Clients claim.

Insurance: For claims with a recovery over £5,000, The Client instructs the Solicitor to take out an insurance policy in all events where The Client does not have insurance or where an existing insurer when identified as a potential Insurer refuses to indemnify The Client against third party risks and the costs of making a claim and in any event before the issue of any Court proceedings. The Company have an interest in the Insurance policy and will receive commission not exceeding 25% of the gross premium (plus Vat at the prevailing rate) in line with industry standards. The Client is aware that if the claim against the Insurance Policy is successful, the Policy will be cancelled and therefore they will no longer be entitled to the benefits they would receive from that Policy. Therefore, The Client is responsible, should they wish to obtain an alternative suitable Insurance Policy to replace their previous Policy.

The Risks of Making a Claim: The Client acknowledges that they full understand the risk of making a claim for compensation against a Third Party; these include, but are not limited to the following: Appearing in court to testify under oath that the information you have given is truthful in the event that legal action is taken to resolve your claim. That you may lose your case or your case may be closed due to lack of evidence. That losing a case in court may involve court costs that you will be liable to pay to the winning party unless your Claim is protected by an Insurance Policy, The Company or the Solicitors ensure that before any action is taken which could incur a liability for court costs on your behalf a suitable insurance policy will be taken out on The Clients behalf. The Client confirms to the best of their knowledge and belief that the details contained within the document marked "Legal Expenses Insurance Questionnaire" which is annexed to this Agreement contains all relevant information relating to any Legal Expense Cover, before the Event Insurance or other methods known or suspected by them which may be in place and could be used to fund or insure against any and all liabilities that may be incurred by them should they fail to win the case.

Alternative Claim Mechanisms: The Client is aware that they are entitled to seek independent advice, complain directly to the Lender or Insurance Company, issue Court Proceedings directly against the Lender or Insurance Company, consider the use of a different Claims Management Company or complain directly to the Lender or Insurance Company's Regulators.

Solicitors: Where The Company does not progress a claim itself, it may at its absolute discretion pass all positively assessed potential claims onto one of the Solicitors who make up the Panel of Solicitors approved by The Company to pursue actions on behalf of their Clients using the scheme and scheme facilities that have been developed by The Company. A full list of the panel is available upon request, The Company cannot guarantee that any particular Solicitor will take on a claim on behalf of The Client, but will use its best endeavours to place The Client with one of the approved Solicitors on the Panel.

Descriptions or Estimates: The Company's description or estimate of the time taken to provide The Service for the Solicitors to pursue a Claim are only intended as a guideline and do not form any contractual obligation.

Complaints: If The Client becomes dissatisfied with The Service provided by The Company they are entitled to use The Company's formal complaints procedure by contacting:

The Complaints Handling Manager, Loan Free, 30 Clarence Street, Southend on Sea, Essex, England, SS1 1BD.

Information: The Company will provide information and administrative assistance to The Client but will not provide any form of advice. Only Solicitors will provide The Client with independent Legal advice and may in certain circumstances request that The Client attends Court with them. The Company, the Solicitors and The Company's associates may share The Clients information between themselves or contact The Client at any time to discuss their case or inform them of details of other Services. The Company only provide information based upon their interpretation of information provided by the Solicitors. The Solicitors are an independent third party and consequently The Company will not be liable for any misrepresentation, error or omission. The Client irrevocably authorises The Company to disclose all information to the Solicitors and irrevocably authorises the Solicitors The Company has referred to them, to disclose all information regarding progress of their claim to The Company. The Client authorises The Company to discuss their affairs with: the Lender or the Insurance Company detailed in this document and the other Claimant detailed below

Declaration: The Client declares that the information contained in this document is to the best of their knowledge correct and can be relied upon by The Company to pursue their Claim for a refund of their Payment Protection Insurance Policy or overcharges. The Terms of this Agreement shall take precedence and supersede all previous statements or information provided prior to and following the signing of this Agreement. If any part of this Agreement becomes unenforceable it will in no way affect the enforceability of any other part or parts of this Agreement. It is agreed that the Law that shall be applicable to this Agreement shall be English Law.

 TERMS AND CONDITIONS OF OUR WEBSITE

Our Company and our Website
The Website http://www.loan-free.co.uk/  is owned and operated by Debt Free UK Ltd, a Limited Company Registered in England & Wales, Company Registration Number 6381804, registered office Bridge House, 4 Borough High Street, London, SE1 9QR

Please read the details set out below carefully before using our Company or our Website. By communication or accessing our Websites, you agree to be bound by the following terms, conditions and disclaimers (the "Terms").

All information provided and all communication, products and services are subject to the terms, conditions and disclaimers of the applicable agreement governing their use

Products and Services
Loan Free and Debt Free are Services provided by Debt Free UK Ltd's solicitors. Neither the information, nor any opinion contained in our advertisements, communication, literature or contained on our Websites constitutes an offer to sell, solicitation, recommendation or advice in respect of any Service provided by ourselves or any third parties

All statements made or information provided in any advertisements, communication, literature or contained on our websites or in any other format are based on our interpretation of information provided by our solicitors and therefore do not represent our Company's views

Users
You are wholly responsible for the use of any communication from our Company or use of our Websites. Therefore, you must ensure that any person using our communications or your computer, complies with these Terms

The Websites and the Services provided by our Company are currently intended for those who access it from within England and Wales and who are aged 18 and over. Because of this we cannot guarantee that the Website or the information thereon complies with or is appropriate for use in other places.

To use our Services or register with us you must be over eighteen (18) years of age. You must ensure that the details provided by you on registration or at any time are correct and complete. You must inform us immediately of any changes to the information that you provided when registering by updating your personal details.

You will not knowingly transmit any virus or other harmful matter to our Websites. You may not use any device, software or routine to interfere or attempt to interfere with the proper working of the Website nor attempt to decipher, de-compile, disassemble or reverse engineer any of the software comprising or in any way making up the Website or any part of it.

Disclaimers and Limitation of Liability
Whilst we have taken reasonable steps to ensure the accuracy, currency, availability correctness and completeness of the information contained on the Website, information is provided on an "as is", "as available" basis and we do not give or make any warranty or representation of any kind, whether express or implied. The use of our Company's services and our Websites and the materials contained in it are entirely at your own risk. We shall not be liable for any losses or damages, whether direct or indirect, consequential or otherwise that you may suffer as a result of your use of our Company's services or our Websites, including but not limited to computer service or system failure, access delays or interruption, data non-delivery or mis-delivery, computer viruses or other harmful components, breaches of security or unauthorised use of the system arising from "hacking" or otherwise or your reliance on the information contained on the Website.

We do not represent or warrant that our Company's Services or our Websites will be available and meet your requirements, that accessing them will be uninterrupted, that there will be no delays, failures, errors or omissions or loss of transmitted information, that no viruses or other contaminating or destructive properties will be transmitted or that no damage will occur to your computer system. You have sole responsibility for adequate protection and back up of data and/or equipment and for undertaking reasonable and appropriate precautions to scan for computer viruses or other destructive properties.

We make no representations or warranties regarding the accuracy, functionality or performance of any third party software that may be used in connection with our Websites.

Nothing in these Terms or in the pages of our Websites shall limit our liability for death or personal injury arising out of our negligence, or for fraud, or for any other liability, which cannot be excluded or limited under applicable law.

The information, material and content provided in our communications or the pages of our Websites may be changed at any time without notice. Changes may be made to the Terms at any time without notice by updating this posting. Any revised term shall take effect as at the date when the change is made to our Websites. You agree to review the Terms regularly and your continued access to or use of our Websites will mean that you agree to any changes.

Third Party Websites
Links contained in the Websites might lead to other websites not under our control, and we accept no liability for the content or availability of any linked site which is not operated by us or any link contained in a linked site not operated by us. Links on the Websites are provided to you only as a convenience and the inclusion of any link does not imply reliability and we do not necessarily endorse any pages linked to the Website. Accordingly, you should read the terms and conditions of those websites before using them and direct any questions or comments about the linked website's contents to the relevant website provider.

You are not entitled (nor will you assist others) to set up links from your own websites to the Website (whether by hypertext linking, deep-linking, framing, toggling or otherwise) without our prior written consent, which we may grant or withhold at our absolute discretion.

Internet and E-Mail
Messages sent over the Internet cannot be guaranteed to be completely secure as they are subject to possible interception or loss or possible alteration. We are not responsible for any message lost, intercepted or altered by third parties and will not be liable to you or anyone else for any damages or otherwise in connection with any message sent by you to us or any message sent by us to you over the Internet.

The Websites makes use of cookies. Cookies are files that identify your computer to our server. Cookies in themselves do not identify the individual user, just the computer used. Many sites do this whenever a user visits their site in order to track traffic flows. Cookies themselves only record those areas of the site that have been visited by the computer and for how long. You may prevent the use of cookies by configuring your web browser accordingly, but please note that this may hinder some of the Website functionality.

Trade marks and copyright
All copyright, trade marks and all other intellectual property rights in our literature and our Websites and its content (including without limitation the pages screens, information and material) included in the Websites and all software and source codes connected with the Website is owned by or licensed to Debt Free UK Ltd unless otherwise noted.

Our logos and all brands and products referred to or detailed in the Websites are the trademarks of, or licensed to, Debt Free UK Ltd. No rights are granted in respect of any of the above trademarks. If you are in doubt whether an item is our trademark or that of any Debt Free UK Ltd business, please contact us for clarification.

You may imprint, copy, download or temporarily store extracts from our Website for your personal information or when you use our products and services. You may not republish, retransmit, redistribute or otherwise make such information or pages available to any other party or available on any website, on-line service or bulletin board of your own or of any other party or make the same available in hard copy or on any other media without our express prior written consent.

Data Protection
We may as a result of your interaction with our Company and or our Websites hold and process personal information obtained about you when you access or services or our Websites and use it for making decisions and servicing our relationship with you, for the purposes of fraud prevention and debt collection, to understand your financial needs, to conduct our business and to provide you with better customer services from both Debt Free UK Ltd and those of selected third parties, to evaluate the effectiveness of our marketing of our services and our Websites and for statistical analysis. We may pass this information to other members of Debt Free UK Ltd or agents, as permitted by law so that they may do the same and they may pass information held by them about you to us so that we may do the same. We will not disclose any such information outside of Debt Free UK Ltd except for fraud prevention purposes and/or if required/obliged by law or Governmental or judicial bodies or agencies or to our regulators under proper authority, or under a strict code of secrecy to sub-contractors or persons acting as our agents or where we have your consent or have previously informed you.

By submitting your information to ourselves by telephone, letter or through our Websites, you agree that Debt Free UK Ltd can contact you from time to time by post, fax, telephone or other electronic means, to tell you about other products and services, offered by ourselves or other carefully selected third parties, that we believe would be of interest to you. We may also pass your information to third parties for the purpose of them telling you about their services or products and they may pass your information onto third parties for the purpose of telling you about their services or products. Should you wish ourselves not to pass your information to third parties we will not do so if you notify our Company in writing.

All information submitted in this form is held safely and securely by Debt Free UK Ltd in accordance with the Data Protection Act 1998. We require all parties to whom we may pass your information to treat it with the same degree of confidentiality.

If we transfer your information to a service provider or agent in another country we will make sure that the service provider or agent agrees to apply the same levels of protection as we are required to apply to information held and to use your information only for the purpose of providing the service to us.

Governing Law
The Terms are governed by and interpreted in accordance with the laws of England and Wales and the courts of the above jurisdiction will have non-exclusive jurisdiction in respect of any dispute, which may arise.