Claims Master Limited, CFS Business Park, Coleshill Road, Sutton Coldfield, West Midlands B75 7FS.

Registered in England & Wales No. 6752953. Claims Master Ltd is regulated by the Ministry of Justice in respect of regulated claims management activities no. CRM17856.

Website Designed and Hosted by Weboriel.

1. Introduction

These terms of use govern your use of the Claims Master Ltd (hereinafter “CM”) website. By using the CM website, you accept these terms of use in full. If you disagree with these terms of use or any part of them, please do not use the CM website. If you register with our website (eg. to gain access to additional functionality), we will ask you to expressly agree to these terms of use.

2. Licence to use website

Most loans taken out in the UK are regulated by the Consumer Credit Act (CCA). The Act stipulates that CCA regulated loan agreements must be properly executed and they must contain a number of terms. Several are prescribed terms which must a) be present and b) be accurate.

Failure to adhere to the regulations leaves the agreement vulnerable to potential unenforceability. In fact, with agreements taken out prior to April 6th 2007, the Courts have no discretion but to rule an agreement unenforceable should it either a) fail to contain all of the prescribed terms, and/or b) contain any prescribed terms which are inaccurate.

Due to failings by the banks, a huge number of loans could contain breaches (usually through missing or inaccurate information) meaning they would be unenforceable of challenged in a court of law.

3. Validation of your claim

Unless otherwise stated, CM owns the intellectual property rights in this website and material on the website. Subject to the licence below, all these intellectual property rights are reserved.

You may view, download (for caching purposes only) and print pages from the website for your own personal use, subject to the restrictions set out below and elsewhere in these terms of use.

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
• 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.

4. 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.

5. 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.

6. User generated content

In these terms of use, “your user content” means material (including without limitation text, images, audio material, video material and audio-visual material) that you submit to our website, for whatever purpose.

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 an incitement to commit a crime;
• 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 blasphemous;
• 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;
• constitute spam;
• 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 use our website to link to any website or web page consisting of or containing material that would, were it posted on our website, breach the provisions of these terms of use.

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.

Notwithstanding our rights under these terms of use in relation to user content, we do not undertake to monitor the submission of such content to, or the publication of such content on, our website.

7. 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).

8. Limitations of liability

Nothing in these terms of use (or elsewhere on our website) will exclude or limit our liability for fraud, for death or personal injury caused by our negligence, or for any other liability which cannot be excluded or limited under applicable law.

Subject to this, our liability to you in relation to the use of our website or under or in connection with these terms of use, whether in contract, tort (including negligence) or otherwise, will be limited as follows:

You accept that we have an interest in limiting the personal liability of our officers and employees. Having regard to that interest, you accept that we are a limited liability entity and agree that you will not bring any claim personally against individual officers or employees in respect of any losses you suffer in connection with the website or these terms of use. This will not, of course, limit or exclude the liability of the company itself for the acts and omissions of our officers and employees.

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.

• 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.

9. Indemnity

You hereby indemnify us and undertake to keep us indemnified against any losses, damages, costs, liabilities and expenses (including without limitation legal expenses and any amounts paid by us to a third party in settlement of a claim or dispute on the advice of our legal advisers) incurred or suffered by us arising out of any breach by you of any provision of these terms of use or arising out of any claim that you have breached any provision of these terms of use.

10. Breaches of these terms of use

Without prejudice to our other rights under these terms of use, if you breach these terms of use in any way, or if we reasonably suspect that you have breached these terms of use in any way, we may:

• 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

Claims Master 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.

13. Competitions

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).

14. Variation

We may revise these terms of use from time-to-time. Revised terms of use will apply to the use of our website from the date of the publication of the revised terms of use on our website. Please check this page regularly to ensure you are familiar with the current version.

15. Assignment

We may transfer, sub-contract or otherwise deal with our rights and/or obligations under these terms of use without notifying you or obtaining your consent.

You may not transfer, sub-contract or otherwise deal with your rights and/or obligations under these terms of use.

16. Severability

If a provision of these terms of use is determined by any court or other competent authority to be unlawful and/or unenforceable, the other provisions will continue in effect. If any unlawful and/or unenforceable provision would be lawful or enforceable if part of it were deleted, that part will be deemed to be deleted, and the rest of the provision will continue in effect.

17. Exclusion of third party rights

These terms of use are for the benefit of you and us, and are not intended to benefit any third party or be enforceable by any third party. The exercise of our and your rights in relation to these terms of use is not subject to the consent of any third party.

18. Entire agreement

These terms of use, together with our privacy policy, constitute the entire agreement between you and us in relation to your use of our website, and supersede all previous agreements in respect of your use of this website.

19. Law and jurisdiction

These terms of use will be governed by and construed in accordance with English law, and any disputes relating to these terms of use will be subject to the non-exclusive jurisdiction of the courts of England and Wales.