Terms of Website use

This page tells you the terms on which you may make use of our Website www.wescot.co.uk and www.paywescot.co.uk (the Website). Please read these terms of use carefully before you access or use the Website. By using our Website, you indicate that you accept these terms of use and that you agree to abide by them. If you do not accept these terms of use, please do not continue to use this Website.

1. Information about us

This Website is operated by Wescot Credit Services Limited. We are registered in Scotland under company number 84131 and our registered office is at Kyleshill House, Glencairn Street, Saltcoats, Ayrshire, KA21 5JT. We have offices in Hull, Saltcoats and Glasgow and our main trading address is P.O. Box 137, Hull, HU2 8HF. Our VAT number is 859171201.

We are regulated by the Office of Fair Trading and licensed under the Consumer Credit Act 1974 (as amended), with licence number 148091. We are a member of the Credit Services Association and the Debt Buyers and Sellers Group.

2. Accessing our Website

2.1
We will not be liable if for any reason our Website is unavailable at any time or for any period. From time to time, we may restrict access to some parts of our Website, or our entire Website. You are responsible for ensuring that all persons who access our Website through your internet connection are aware of these terms of use, and that they comply with them.

2.2
From time to time, we may limit some areas of our Website to individuals who we have contacted in connection with the payment of a debt and/or who have been provided with validation details. If this applies to you, in order to access these areas and manage your account you will be required to enter certain validation details. You are entirely responsible for maintaining the confidentiality of your validation details. You agree to notify us immediately if you believe that there has been any unauthorised activity on the Website as a result of your validation details becoming compromised, unless this is due to our negligence.

3. Intellectual property rights

3.1
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.

3.2
You may not modify, copy, reproduce, republish, upload, transmit or distribute, in any manner, the material on the Website, including text, graphics, code and/or software. You may print off one copy, and may download extracts, of any page(s) from our Website solely for your personal reference. 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.

3.3
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.

3.4
If you print off, copy or download any part of our Website in breach of these terms of use, your right to use our Website will cease immediately and you must, at our request, return or destroy any copies of the materials you have made.

4. Reliance on information posted

Commentary and other materials posted on our Website are not intended to amount to advice on which reliance should be placed. We therefore disclaim all liability and responsibility arising from any reliance placed on such materials by any visitor to our Website, or by anyone who may be informed of any of its contents.

5. Our Website changes regularly

We are not obliged to update this Website but we may do so from time to time and we reserve the right to change the content at any time. If the need arises, we may suspend access to our Website, or close it indefinitely.

6. Our liability

6.1
The material displayed on our Website is provided without any guarantees, conditions or warranties as to its accuracy, completeness or reliability and we accept no liability for any reliance placed on such materials by any visitor to our Website or anyone who may be informed of any of its contents. To the extent permitted by law, we and other members of our group together with third parties connected to us hereby expressly exclude:

6.1.1
All conditions, warranties and other terms which might otherwise be implied by statute, common law or the law of equity; and

6.1.2
Any liability for any direct, indirect or consequential loss or damage incurred by any user in connection with our Website or in connection with the use, inability to use, or results of the use of our Website, any Websites linked to it and any materials posted on it.

6.2
Nothing in these terms of use affects 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 in respect of which it would be unlawful or in breach of regulation to limit or exclude liability.

6.3
We do not accept any liability for any charges, interest or other costs whatsoever which you may incur in connection with a debt owed to us or to a third party as a result of you having been unable for any reason to access this Website, including but not limited to your inability to make a payment on your account or contact us via this Website. In the event that you are unable to access this Website you can contact us by using the telephone number available on our Website, which you may wish to note down for future reference.

7. Information about you and your visits to our website

We process information about you in accordance with our privacy policy. By using our Website, you consent to such processing and you warrant that all data provided by you is accurate and does not breach the Data Protection Act 1998 and associated legislation.

8. Viruses, hacking and other offences

8.1
You must not misuse our Website by knowingly introducing viruses, trojans, worms, logic bombs, keystroke loggers, spyware, adware 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.

8.2
If you breach this provision, you will 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 Website will cease immediately.

8.3
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.

8.4
You may use our Website only for lawful purposes. You may not use our Website in any way that is unlawful or fraudulent, or has any unlawful or fraudulent purpose or effect.

8.5
You agree not to reproduce, copy or re-sell any part of our Website in contravention of the provisions of these terms of use. You also agree not to access without authority, interfere with, damage or disrupt any part of our Website, any equipment or network on which our Website is stored, any software used in the provision of our Website or any equipment or network or software owned or used by any third party.

9. Linking to our Website

9.1
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 and provided it does not portray us in a false, misleading, derogatory or otherwise defamatory manner, but 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 from any website that is not owned by you.

9.2
Our Website must not be framed on any other website, 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. The website from which you are linking must not contain any material which is defamatory of any person, which is obscene, offensive, hateful or inflammatory; or which promotes sexually explicit material; violence; discrimination based on race, sex, religion, nationality, disability, sexual orientation or age or which infringes any copyright, database right or trademark of any other person.

9.3
If you wish to make any use of material on our Website other than as set out above, please contact us by writing to Wescot Credit Services Limited, P.O. Box 137, Hull, HU2 8HF addressing your request to the Legal and Compliance Director.

10. Links from our Website

Where our Website contains links to other Websites and resources provided by third parties, these links are provided for your information only. We have no control over the contents of those Websites or resources, and accept no responsibility for them or for any loss or damage that may arise from your use of them.

11. Jurisdiction and applicable law

The English courts will have exclusive jurisdiction over any claim arising from, or related to, a visit to our Website. These terms of use are governed by English law.

12. Trade Marks

The Wescot logo and word mark are trade marks of Wescot Credit Services Limited. Nothing in these terms of use in any way confers on you any licence or right under any trade marks, names or logos of Wescot Credit Services Limited.

13. Variations

We may revise these terms of use at any time by amending this page. You are expected to check this page from time to time to take notice of any changes we made, as they are binding on you. Some of the provisions contained in these terms of use may also be superseded by provisions or notices published elsewhere on our Website.

14. Your concerns

If you have any concerns about material which appears on our Website, please contact: Compliance Department, Wescot Credit Services Limited PO Box 137 Hull HU2 8HF

Thank you for visiting our Website.