Terms and Conditions

  1. THESE TERMS AND CONDITIONS
    1. What these terms and conditions cover: These terms and conditions are the terms on which we supply the Noddle services, Credit Coach services and the Premium Noddle services to you. They also apply to your use of the noddle.co.uk website. The Noddle services, Credit Coach services and Premium Noddle services are described in paragraph 9.
    2. Why you should read them: Please read these terms carefully before you sign up for any of the Noddle services, Credit Coach services and (if relevant) Premium Noddle services. These terms tell you who we are, how we will provide services to you, how you and we may change or end the contract, what our liability to you is, what to do if there is a problem and other important information. If you think that there is a mistake in these terms or you think these terms require any changes, please contact us to discuss your concerns. By using the noddle.co.uk website or signing up for any of the Noddle services, Credit Coach services and/or Premium Noddle services you are entering into a contract with us on these terms and conditions.
  2. INFORMATION ABOUT US AND HOW TO CONTACT US
    1. Who we are: ‘Noddle’ is a trading name of Callcredit Consumer Limited. Callcredit Consumer Limited operates this website and will be providing the Noddle services, Credit Coach services and/or Premium Noddle services to you. Callcredit Consumer Limited is a company established in England and Wales. Its company number is 07891157, its VAT number is 974 8228 76 and its registered office is at One Park Lane, Leeds, West Yorkshire LS3 1EP. In these terms and conditions, "we", "us" and "our" therefore refers to Callcredit Consumer Limited.
    2. Authorisation: Callcredit Consumer Limited is authorised and regulated by the Financial Conduct Authority under number 737743. Authorisation can be checked on the Financial Services Register at www.fos.org.uk.
    3. What is the position if you signed up via one of our partners? If you signed up to use Noddle through one of our partners then different terms and conditions may apply to your use of our site. You should have been provided with those terms and conditions when you signed up through one of our partners and you can also access these when you log in to your Noddle account.
    4. How to contact us: You can contact us by sending an email to us at contact@noddle.co.uk. This contact email address can be used in relation to reporting any issues you have had in relation to concluding your contract for the Noddle services, Credit Coach services and Premium Noddle services with us or in relation to any of these services. Any concerns in relation to the content of your credit report should be raised with us as set out in paragraph 20.1.
    5. How we may contact you: If we have to contact you we will do so by writing to you at the email address you have saved on your Noddle account. Please ensure that this is the correct email address.
    6. Writing includes emails: When we use the words "writing" or "written" in these terms, this includes emails.

    PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY BEFORE USING THIS WEBSITE AND SIGNING UP FOR THE NODDLE SERVICES, CREDIT COACH SERVICES AND PREMIUM NODDLE SERVICES AS THEY CONTAIN LEGAL RIGHTS AND OBLIGATIONS.

  3. APPLICATION PROCESS FOR NODDLE SERVICES AND CREDIT COACH SERVICES AND OUR CONTRACT WITH YOU
    1. Process for making an application to receive the Noddle services:
      1. You need to apply online at noddle.co.uk to create a Noddle account with us and receive the Noddle services. The Noddle services include the free for life credit report and credit score. More details of these Noddle services can be found in paragraph 9.1.
      2. Once you have filled in our online application form you will see an onscreen message indicating whether your application has been successful. If your application is successful we will also send you an activation link to the email address you provide.
    2. Activation Link: You must use the activation link we send you to activate your Noddle account within 24 hours of when we send it to you. If you don’t do this then you must go through the application process again. Once your account has been activated, you will receive a welcome email from us to the email address you have provided.
    3. If your application is unsuccessful: Not everyone that applies for the Noddle services will be accepted as a user. We do not have to notify you why you have not been accepted but one reason for this may be that, at the time you make your application, we may have been unable to match your personal details to the correct credit report. You may also not have been accepted because you did not have enough of a credit history on your credit file to provide a credit report. If this is the case then you may be offered our Credit Coach service. Credit Coach gives you information on actions that you should consider taking to build up enough credit history for us to be able to provide a credit report and score to you in the future.
    4. When does the contract for the Noddle services come into existence? The contract in respect of the Noddle services will only come into existence between us once you have used the activation link to activate your Noddle account within the 24 hour period referred to in paragraph 3.2 above.
    5. Process for making an application to receive the Credit Coach services: You may be offered our Credit Coach service if your application for the Noddle services is unsuccessful as detailed in paragraph 3.3. Credit Coach gives you information on actions you should consider to build up enough credit history for Noddle to be able to provide a credit report and score to you in the future
    6. When does the contract for the Credit Coach services come into existence? The contract in respect of the Credit Coach services will come into existence as detailed in paragraph 3.4.
    7. How to correct errors in the application process: If your application is successful but you have made a mistake to your personal details during the application process, you can either re-apply for the Noddle services or Credit Coach services or update your personal details in your Noddle account.
  4. APPLICATION PROCESS FOR PREMIUM NODDLE SERVICES AND OUR CONTRACT WITH YOU
    1. Process for making an application to receive Premium Noddle services:
      1. If you have been accepted as a user of the Noddle services, you may also purchase any of the following Premium Noddle services. These services are not free services and you have to pay for them. Further details of each service are available in paragraphs 9.3 to 9.5 or by logging into your Noddle account:
        • Noddle Improve
        • Noddle Alerts
        • Noddle Web Watch
      2. If you want to purchase any of the Premium Noddle services you should complete the sign up form once you have logged onto your Noddle account and pay the applicable fee. The details of the fees for the Premium Noddle services can be accessed via either your Noddle account homepage or the product information pages once you are logged into your Noddle account. The fee for the Premium Noddle services must be paid before we will provide the applicable Premium Noddle services to you. You will need to give us your credit or debit card details and payment for your annual fee will be deducted from your credit or debit card automatically at this point.
    2. If your credit or debit card is declined, rejected or reversed: Once you have provided your credit or debit details, we will take payment from you. If your payment is declined, rejected or reversed and we are unable to deduct the annual fee, we will be unable to provide the Premium Noddle services you have ordered to you.
    3. When does the contract for the Premium Noddle services come into existence? The contract in respect of the Premium Noddle services you have applied for will come into existence between us once we have received payment in full for the applicable annual fee. Payment will be confirmed to you via an on screen message, as detailed in paragraph 3.4.
  5. INFORMATION NEEDED TO PROVIDE THE NODDLE SERVICES, CREDIT COACH SERVICES AND THE PREMIUM NODDLE SERVICES
    1. Information needed and what will happen if you do not give us the required information: We need certain information from you as part of the application process so that we can supply the Noddle services, Credit Coach services and Premium Noddle services to you. If you do not give us this information within a reasonable time of us asking for it, or if you give us incomplete or incorrect information, we may end the contract (and paragraph 15 will apply). We will not be responsible for supplying the Noddle services, Credit Coach services and/or Premium Noddle services late or not supplying any part of them if this is caused by you not giving us the information we need within a reasonable time of us asking for it.
    2. Need for us to obtain credit report information: For us to be able to provide the Noddle services and/or Premium Noddle services to you we need to obtain your credit report information held in the credit reference database of our group company Callcredit Limited. By applying for the Noddle services and/or Premium Noddle services you agree that we can obtain and use your credit report information in this way.
  6. ACCESSING THE TERMS OF THE CONTRACT BETWEEN US

    You can access the terms of your contract with us for the applicable Noddle services, Credit Coach services and/or Premium Noddle services in the “My Products” tab of your Noddle account.

  7. LIMITATIONS ON APPLYING FOR AND RECEIVING THE NODDLE SERVICES, CREDIT COACH SERVICES AND PREMIUM NODDLE SERVICES
    1. We only make the Noddle services, Credit Coach services and Premium Noddle services available in the UK: Unfortunately, we do not accept applications for the Noddle services, Credit Coach services or for the Premium Noddle services or provide them to anyone who is not resident in the UK.
    2. Over 18s only: You may only apply for and use the Noddle services, Credit Coach services and/or Premium Noddle services if you are over 18 years of age. By registering on the noddle.co.uk website and making an application for the Noddle services, Credit Coach services and/or Premium Noddle services you confirm that you are over 18 years of age.
    3. Noddle services, Credit Coach services and/or Premium Noddle services for personal use only: You may only use and access the Noddle services, Credit Coach services and/or Premium Noddle services and the noddle.co.uk website on your own behalf, for your personal non-commercial use and not on behalf of anyone else. You cannot order credit information about anyone else from this website.
  8. CHANGES TO THESE TERMS AND CONDITIONS OR THE NODDLE SERVICES, CREDIT COACH SERVICES OR PREMIUM NODDLE SERVICES
    1. Minor changes to the Noddle services, Credit Coach services and/or Premium Noddle services: We may make minor changes to the Noddle services, Credit Coach services and/or Premium Noddle services to reflect changes in any relevant laws or regulatory requirements and/or to implement minor technical adjustments and improvements to the way we deliver the Noddle services, Credit Coach services and Premium Noddle services to you. These minor changes will not adversely affect your use of the Noddle services, Credit Coach services and/or Premium Noddle services in any significant way.
    2. More significant changes to the Noddle services, Credit Coach services and/or Premium Noddle services or to these terms and conditions: We may change these terms and conditions or make more significant changes to the Noddle services, Credit Coach services and/or Premium Noddle services than those set out above. If we do this we will notify you of the changes by email. We will try to give you as much notice as we can of the proposed changes. We may be unable to give notice if we need to make any urgent changes.
    3. Cancellation of the Noddle services, Credit Coach services and/or Premium Noddle services: If the changes we may make in paragraph 8.2 above are significant and adversely affect your use of the Noddle services, Credit Coach services and/or Premium Noddle services and as a result, you don’t want to continue to receive the Noddle services, Credit Coach services and/or Premium Noddle services affected by the changes, then you can cancel your contract with us by letting us know in writing by e-mail to contact@noddle.co.uk. If the changes are significant and adversely affect your use of a Premium Noddle service then we shall refund any charges paid by you in advance from the date on which you let us know that you want to cancel your contract with us.
  9. NODDLE SERVICES, CREDIT COACH SERVICES AND PREMIUM NODDLE SERVICES

    PLEASE READ THESE PARAGRAPHS CAREFULLY AS IT EXPLAINS WHAT THE NODDLE SERVICES ARE AND WHAT EXCLUSIONS APPLY. THERE ARE THREE TYPES OF NODDLE SERVICES: NODDLE SERVICES, CREDIT COACH SERVICES AND PREMIUM NODDLE SERVICES.

    1. Noddle services: Once we accept your application for the Noddle services, we agree to provide the following services to you for free under these terms and conditions. If you get the Credit Coach services set out at paragraph 9.2 below you will not get the Noddle services.
      1. Credit Report

        We will provide a credit report to you online. The credit report will be updated monthly. You will also receive a monthly email and a fortnightly newsletter as part of this service (unless you have unsubscribed from it). If we are unable to match your personal details to a credit report as you do not have enough credit history, we may offer you our Credit Coach service (as described more fully in paragraphs 3.3 and 9.2).

      2. Credit Rating

        An assessment of your credit rating will be available to you online. This rating will be based on your history of borrowing and repayment.

      3. Credit Score

        We will provide your most recent credit score to you. Your credit score is an indicator of how good your credit history and likelihood of getting credit is. This will be made available to you online and will be updated monthly.

      4. Product Comparison Services

        We use a third party supplier (TotallyMoney Limited) to provide our product comparison services, which help you select products which are relevant to you.

        If you request the product comparison services, we will supply TotallyMoney with information that you have entered into our website. TotallyMoney use third parties to process this information in accordance with our instructions for the purpose of generating a view of how likely you are to be accepted for any particular product.

        Credit providers, and credit reference agencies (which includes Experian, Equifax and/or Callcredit), analyse key elements of your credit file, including the electoral roll and shared credit performance data, in order to determine your current financial standing. If you have a financial associate, their data may also be used. The analysis of your credit file will be used by the third party to identify and rank product offers in order of appropriateness for your circumstances (however, this does not guarantee that there will be appropriate product offers available to you). You will then have the opportunity to apply for the product directly with the credit provider. It is important to note that there may be other products available from lenders who are not represented by this service.

        When information about you is requested from a credit reference agency for the purposes of the product comparison services, it will place a search of the request on your credit file, whether or not you decide to apply for the product. This will be marked as a “quotation” search and will not affect your ability to gain credit. If you require details of the organisations that have conducted these searches as part of the service, this can be done by requesting a copy of your credit file. Credit reference agencies may also use the information for statistical purposes, or supply it to other organisations such as fraud prevention agencies who may use it for checking identity, preventing fraud, tracing and the collection of debt. In some cases personal data is passed to lenders to check whether you are an existing customer of theirs, and as such, not eligible to apply for their products advertised on the product comparison service.

        If you choose to proceed to apply for a product from the list of offers, the supplier you choose will carry out its own identification and credit checks as part of its ordinary application process. Your credit file will not be provided to any third party credit provider at any point during this process (unless you subsequently agree).

        By using the Product Comparison Service, you agree to be bound by the TotallyMoney Terms and Conditions and Privacy Policy. To see TotallyMoney’s Terms and Conditions, click here. To see TotallyMoney’s Privacy Policy, click here.

      5. Vouchers and Special Offers

        You may be provided with money saving offers and vouchers online. These vouchers and offers are not provided by us but are instead provided by third parties. We cannot be held responsible for the content of services, vouchers or offers provided by these third parties and since these items are provided to you by these third parties you should be aware that additional terms and conditions may be imposed by these third parties.

    2. Credit Coach Services

      Where you do not have enough credit history on your credit file to enable us to provide you with a credit report, we may offer you the Credit Coach service. The Credit Coach service gives you information on actions that you should consider taking to build up enough credit history for us to be able to provide a credit report and score to you in the future

    3. Premium Noddle services - Noddle Improve services: If you have been accepted as a user of the Noddle Improve services, we agree to provide the following services to you for the duration of your subscription to those services.
      1. We will identify the key things which are affecting your credit score and provide suggestions as to actions that you may wish to take to improve your credit score. These are simply suggestions and not specifically tailored and detailed advice. In addition, we cannot guarantee that if you take the actions that we suggest your credit score will be improved. Also you should be aware that it will take time for any action taken to affect your credit score.
      2. In addition to providing your most recent credit score as part of the Noddle service, we will provide you with online access to your credit score history. Your credit score history provides you with your previous monthly credit scores during the period of up to 6 months before your most recent credit score. Your credit score history helps you track any changes and spot any trends which may have occurred in your credit score during that period. You will not receive your credit score history for any period before you were accepted as a user of the Noddle Improve services and you will not receive any credit scores for months in which you did not log into your Noddle account. You will not receive your credit score history unless you apply, and are accepted, for the Noddle Improve services (which is one of our Premium Noddle services).
    4. Premium Noddle services - Noddle Alerts services: If you have been accepted as a user of the Noddle Alerts services, we agree to provide the following services to you for the duration of your subscription to those services.
      1. If there are any alerts on your file, we will send an email to the email address saved on your Noddle account. It is your responsibility to ensure the email address we hold for you is up to date. The email will contain details of any alerts that have been triggered on your credit report. If no alerts have been triggered we will not send you an email. However, we will send you an email on a monthly basis to confirm that we are continuing to monitor your file and that no alerts have been received in this period.
      2. If you receive an email notifying you of any alerts on your file you should log into your account to obtain further detail of the alert. On logging in to your Noddle account, you will be able to view further details of the alert. It is your responsibility to log into your account to get further detail of the alert.
      3. Noddle Alerts is a notification only service. You are responsible for taking action in relation to the alert and logging into your account to get further detail of the alert. We will not take any action other than notifying the alert to you.
      4. You should not rely solely on the Noddle Alerts service to ensure that your credit report is up to date. It is your responsibility to regularly check your credit report to ensure that the information recorded in it is accurate and up to date.
    5. Premium Noddle services - Noddle Web Watch services: If you have been accepted as a user of the Noddle Web Watch services, we agree to provide the following services to you for the duration of your subscription to those services. We are unable to offer this service unless you have provided all of your details to us that we have requested. Also, it is important for this service in particular that you keep your details up to date.
      1. Noddle Web Watch is a service provided by Mergermarket Limited (C6). If we receive details from C6 that your personal data is being traded or being sold fraudulently on the Internet, chat rooms, bulletin boards and file sharing sites, we will send you an email to the email address saved on your Noddle account, advising you that we have received an alert from C6. It is your responsibility to ensure the email address we hold for you is up to date. On receiving the email you will be able to log in to your Noddle account to obtain further detail of the Noddle Web Watch alert. If there have been no alerts triggered then we will not send you an email. However, we will send you an email on a monthly basis to confirm that we are continuing to monitor your file and that no alerts have been received in this period.
      2. For us to be able to provide the Noddle Web Watch services to you, you will need to provide to us certain personal information (which we will request from you) that is to be monitored. It is very important that you provide accurate details to us. You agree that we can provide the information to C6, in order to provide the Noddle Web Watch services to you.
      3. You can update your information saved on your account as often as you like but please be aware that it can take up to 24 hours for the monitoring to start on any new or modified information.
      4. Noddle Web Watch is a notification only service. You are responsible for taking action in relation to the alert and logging into your account to get further detail of the alert. We will not take any action other than notifying the alert to you. The general guidance given in relation to Noddle Web Watch services is not tailored to your specific circumstances. You should therefore consider your own specific circumstances in deciding what action to take in response to the alert.
      5. You should not rely solely on the Noddle Web Watch services to ensure that your personal data is not being used or disclosed unlawfully. The Noddle Web Watch services do not replace your responsibility to regularly check your financial information and credit report to ensure that the information recorded in it is accurate and up to date.
  10. AVAILABITY OF NODDLE SERVICES, CREDIT COACH SERVICES AND/OR PREMIUM NODDLE SERVICES
    1. Whilst we will try to make sure that the Noddle services, Credit Coach services and/or Premium Noddle services are available for use as much as possible we cannot guarantee their availability. You will appreciate that we need to take the website and the Noddle services, Credit Coach services and/or Premium Noddle services down from time to time for maintenance. We will try to do this at times when we are expecting low usage but cannot guarantee that this will be the case. If we have to suspend access to the Noddle services, Credit Coach services and/or Premium Noddle services for longer than 21 days in any calendar month period we will, in relation to any Premium Noddle services, return the amount of fees that were paid for the period that the relevant Premium Noddle services were suspended. You may also contact us to end the contract for the Premium Noddle services if we suspend them, or tell you we are going to suspend them, in each case for a period of more than 21 days in any calendar month and we will refund any fees you have paid in advance for the remaining part of the year for the Premium Noddle services.
    2. No software provider can fully guarantee that its website and/or content is completely virus and bug free, but you should be aware that we are committed to trying to make the Noddle services, Credit Coach services and/or Premium Noddle services as virus and bug free as we can and use suitable virus checking software in relation to these services, the Noddle website and its content. You should, however, still use appropriate virus checking software on the devices you use to access the Noddle website and the Noddle services, Credit Coach services and/or Premium Noddle services.
  11. ACCURACY OF INFORMATION WE PROVIDE

    It is important to us that the information we supply to you is as accurate as possible and we use reasonable efforts to verify its accuracy. We cannot guarantee that it is completely accurate, however. Also, as you will appreciate some of this information comes from other businesses and sources, such as the electoral roll, insurance companies or financial institutions. Neither we, C6 nor any other third parties used to provide the Noddle services, Credit Coach services and/or Premium Noddle services have any control over the content of such information and are not responsible if it turns out to be inaccurate. If you consider the information to be inaccurate please raise a query using the process in paragraph 20.1.

    You will appreciate that whilst some of the Noddle services, Credit Coach services and/or Premium Noddle services will provide information to you this is provided for your guidance and information only. The fact that you have a good credit score does not mean that a lender, credit card company or other provider of financial services products will accept your application, and they have their own acceptance criteria. Also, your credit score does not take into consideration affordability issues which are also considered by financial services/credit providers.

  12. CHARGES FOR THE NODDLE SERVICES, CREDIT COACH SERVICES AND PREMIUM NODDLE SERVICES
    1. Noddle services and Credit Coach services provided free of charge: The Noddle services and Credit Coach services will be provided to you free of charge.
    2. Fees for Premium Noddle services: There is a fee for the Premium Noddle services. Fee information is made available to you once you are logged into your Noddle account. This must be paid before we will provide the Premium Noddle services to you. This fee is charged annually in advance and is inclusive of VAT. If we change the fee for the Premium Noddle services we will only increase your charges on renewal and we will let you know what the increase is by email at least four weeks before renewal. If you are unhappy with the increase you can choose not to renew. If you do not want to renew then you do not have to do anything: you can ignore our renewal request.
    3. Pricing Mistakes: It is always possible that, despite our best efforts, some of the Premium Noddle services we sell may be incorrectly priced. If we make a mistake in relation to the charges for the Premium Noddle services and notice this before actioning your application or renewal we will contact you for your instructions. If we accept and process your application where a pricing error is obvious and could reasonably have been recognised by you as a mispricing, we may end the contract and refund you any sums you have paid.
  13. DURATION OF NODDLE SERVICES, CREDIT COACH SERVICES AND PREMIUM NODDLE SERVICES
    1. When does your access to the Noddle services, Credit Coach services and/or Premium Noddle services start? Paragraph 3.4 makes it clear when your contract for the Noddle services begins. If your application is unsuccessful you may be offered our Credit Coach services as detailed in paragraph 3.3, and paragraph 4.3 makes it clear when the Premium Noddle services begin. You will be given access to the relevant Noddle services, Credit Coach services and/or Premium Noddle services on the noddle.co.uk website and you will start to receive those services from that point. You have a right under the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013 to cancel your contract for these services if you change your mind. Further details of this cancellation right is set out in paragraph 14 below.
    2. Continuation of the Noddle services and Credit Coach services: We will automatically continue to provide the Noddle services and Credit Coach services until they are cancelled in the way set out below in paragraph 14 or paragraph 15. In order to continue the Premium Noddle services, you need to renew these each year in accordance with paragraph 13.3 below.
    3. How long will the Premium Noddle services be provided? We will provide you with any Premium Noddle services for an initial 12 month period from when our contract with you for those services starts. At the end of this period we will let you know that the services are due for renewal. If you choose to renew and pay the annual fee, we will provide the Premium Noddle services for further 12 month periods. You can choose not to renew at the end of any of those periods. If you do not want to renew then you do not have to do anything: you can ignore our renewal request. Paragraphs 14 and 15 set out when the Premium Noddle services can be cancelled by you or us.
  14. YOUR RIGHTS TO END THE CONTRACT WITH US
    1. How to cancel the Noddle services or Credit Coach services: If you no longer wish to receive any Noddle services or Credit Coach services you may tell us to cancel them by sending a request specifying which services you no longer wish to receive by emailing us at contact@noddle.co.uk. We will administer this change within a reasonable time
    2. How to cancel the Premium Noddle services: If you have subscribed for any of the Premium Noddle services you may tell us to cancel any of those services at the points set out in paragraph 14.3 by sending a request specifying which services you no longer wish to receive by emailing us at contact@noddle.co.uk.
    3. When can I cancel the Premium Noddle services? You may cancel the Premium Noddle services as follows:
      1. where we have told you about an upcoming change to the Premium Noddle services or these terms and conditions which is significant and has an adverse effect on you and paragraph 8.3 gives you a right to cancel. In those circumstances you can cancel the relevant Premium Noddle service before the change takes effect;
      2. at any time where we have told you about an error in the price for the Premium Noddle services and you don’t want to proceed;
      3. at any time where we have done something significant in breach of our contract with you and we have not fixed this breach within a reasonable time;
      4. at renewal, by choosing not to renew your Premium Noddle services when they are due for renewal and this will be dealt with as set out in paragraph 13.3 above;
      5. you can cancel the Premium Noddle services within 14 days after the day when the contract for the applicable Premium Noddle service starts. We have set out when the Premium Noddle services begin in paragraph 13.1. If you cancel within this 14 day period, we require you to email us at contact@noddle.co.uk. You are entitled to a refund of the amounts you have paid for those services but we will deduct an amount to cover the days of service you have received before the time we are informed of your decision to cancel. Please note that if we have completed any of the Premium Noddle services before you cancel the service, then you will not get a refund. To meet this cancellation deadline, it is sufficient for you to send your cancellation email before the 14 day cancellation period has expired. We will pay the refund without undue delay and not later than 14 days after the day on which we are informed about your decision to cancel. The refund will be paid using the same means of payment as you used for the initial transaction and you will not incur any fees as a result of the refund.
    4. If you tell us that cancellation is a matter of urgency (e.g. if you think that someone has got access to your password) we will do our best to cancel your registration immediately.
  15. OUR RIGHTS TO END THE CONTRACT WITH YOU
    1. When we may end our contract with you: We may cancel your registration on the noddle.co.uk website and cancel your receipt of any of the Noddle services, Credit Coach services and/or Premium Noddle services:
      1. because of your misuse of the Noddle services, Credit Coach services and/or Premium Noddle services. Misuse of the Noddle services, Credit Coach services and/or Premium Noddle services means use of the Noddle services, Credit Coach services and/or Premium Noddle services in a way which is not permitted by these terms and conditions or there is fraud or reasonable grounds to suspect fraud; or
      2. if we stop providing the Noddle services, Credit Coach services and/or Premium Noddle services (but we will return any fees you have paid in advance for any of the Premium Noddle services not provided). We will let you know at least one calendar month in advance of our stopping providing the Noddle services, Credit Coach services and/or Premium Noddle services or the noddle.co.uk website; or
      3. if any payment that you owe us is declined, rejected or reversed.
    2. Please be aware that as the functionality of the Premium Noddle services relies on the provision of the Noddle services, if you or we cancel the Noddle services, you will no longer be able to receive the Premium Noddle services either.
    3. Refund only in limited circumstances: Except as set out in paragraphs 14 and 15, you are not entitled to any refund of any amounts you have paid for any Premium Noddle services as a result of a cancellation of those services.
  16. SECURITY
    1. Rights to access the Noddle services, Credit Coach services and/or Premium Noddle services and website is personal to you: Your right to access the Noddle services, Credit Coach services and/or Premium Noddle services is personal to you. You must not allow any other person to have access to your Noddle account or the Noddle services, Credit Coach services and/or Premium Noddle services using your username and password. You must keep your username and password confidential.
    2. Ability to suspend your access to the Noddle services, Credit Coach services and/or Premium Noddle services and website: We reserve the right to suspend your access to the noddle.co.uk website and the Noddle services, Credit Coach services and/or Premium Noddle services if at any time we consider that there is or is likely to be a breach of security or your use of the noddle.co.uk website is in any way detrimental to us or anyone else.
    3. Obligations to change passwords: We reserve the right to require you to change any or all of the passwords used by you in connection with the noddle.co.uk website and/or the Noddle services, Credit Coach services and/or Premium Noddle services.
  17. COPYRIGHT, TRADE MARKS AND OTHER INTELLECTUAL PROPERTY RIGHTS
    1. Your acknowledgement that we own copyright etc. in our website and the Noddle services, Credit Coach services and Premium Noddle services: You acknowledge and agree that all copyright, trade marks and all other intellectual property rights in the noddle.co.uk website, Noddle services, Credit Coach services, Premium Noddle services and all aspects of them are owned by us, those businesses who provide services to us as part of the Noddle services or those businesses who are providing the vouchers and special offers.
    2. Your ability to take copies: You may take reasonable copies of the information or reports provided as part of the Noddle services, Credit Coach services and/or Premium Noddle services solely for your own personal use. You may not use it on a commercial basis or provide it to anyone else. You may not sell it on, republish it, redistribute it, copy (except as permitted above) or adapt it.
  18. OUR LIABILITY TO YOU

    PLEASE READ THIS PARAGRAPH CAREFULLY AS IT EXPLAINS WHAT LIABILITY WE HAVE TO YOU AND WHAT EXCLUSIONS APPLY

    1. When are we liable to you: If we do not comply with the terms of our contract with you or we do not use reasonable care and skill in providing the Noddle services, Credit Coach services and/or Premium Noddle services to you then we will be responsible for the loss and damage which is a foreseeable result of this breach. Loss or damage is foreseeable if either it is obvious that it will happen or if, at the time the contract was made, both we and you knew it might happen.
    2. No liability where the loss or damage is not foreseeable: We are not responsible for any loss or damage which is not foreseeable.
    3. We are not liable for business losses: We only supply the Noddle services, Credit Coach services and/or Premium Noddle services for domestic and private use. If you use the Noddle services, Credit Coach services and/or Premium Noddle services for any commercial, business or re-sale purpose we will have no liability to you for any loss of profits, loss of or damage to reputation, loss of contracts, loss of opportunity, loss of business, loss or depletion of goodwill, increased overheads or administration expenses, management time, loss of savings.
  19. DATA PROTECTION, COOKIES AND PRIVACY POLICY
    1. What personal information we collect and how we use it: We will collect personal information in connection with your use of the Noddle services, Credit Coach services and/or Premium Noddle services via the noddle.co.uk website. Our privacy policy (which can be accessed here) has details of what information we collect, what we do with that information, and any other related matters such as cookies. Our privacy policy forms part of these terms and conditions. Please also refer to paragraph 9.5 above regarding the requirement to transfer your information to C6, if you subscribe for Noddle Web Watch services.
    2. Your agreement to our use of personal information and cookies: You agree that we can collect, use, transfer and disclose your personal information in accordance with our privacy policy, and you also agree to our use of cookies as described in our privacy policy. To view our privacy policy please click here.
  20. QUERIES AND COMPLAINTS
    1. Queries in relation to your credit report information: In the event that there is an unexpected result in your credit report or you feel that the information is not correct you should contact us to raise a query by using the online process which can be accessed via your credit report. This will raise a dispute with the credit reference agency run by Callcredit Limited.
    2. Complaints:

      How to complain: If you have any complaints in relation to the Noddle services, Credit Coach services and/or Premium Noddle services then please contact our customer services team at contact@noddle.co.uk. You can find our customer complaints policy at https://www.callcredit.co.uk/consumer-solutions/contact-us/complaints-procedure .

      Complaint Resolution: We have a complaint-handling process, which includes alternative dispute resolution (a process where an independent body considers the facts of a dispute and seeks to resolve it, without you having to go to court). If you are not happy with how we have handled any complaint, you may want to contact the statutory alternative dispute resolution provider for financial services in the UK – the Financial Ombudsman Service. The Ombudsman will not charge you for making a complaint and if you are not satisfied with the outcome you can still bring legal proceedings. The contact details for the Financial Ombudsman Service are:

      The Financial Ombudsman Service

      Exchange Tower

      London

      E14 9SR

      Tel: 0800 023 4 567 or 0300 123 9 123

      E-mail: complaint.info@financial-ombudsman.org.uk

      Website: www.fos.org.uk

      Online Dispute Resolution Platform: You may also complain using the European Commission’s Online Dispute Resolution platform. This is an online facility designed to help consumers to resolve complaints they have, where they have bought goods and services online. This platform can be accessed via the following link: https://webgate.ec.europa.eu/odr.
  21. SUMMARY OF YOUR LEGAL RIGHTS
    1. We are under a legal duty to supply services that are in conformity with this contract. See the box below for a summary of your key legal rights in relation to the product. Nothing in these terms and conditions will affect your legal rights.

      Summary of your key legal rights

      This is a summary of your key legal rights. These are subject to certain exceptions. For detailed information please visit the Citizens Advice website www.adviceguide.org.uk or call 03454 04 05 06.

      In relation to services, the Consumer Rights Act 2015 says:

      • you can ask us to repeat or fix a service if it's not carried out with reasonable care and skill, or get some money back if we can't fix it;
      • if you haven't agreed a price upfront, what you're asked to pay must be reasonable;
      • if you haven't agreed a time upfront, it must be carried out within a reasonable time.
  22. LINKS TO OTHER WEBSITES

    To provide increased value to you, we may provide links to other websites or resources for you to access. You can choose whether or not to access these links. As you will appreciate, once you have left our website we are not responsible for the availability or content of these external websites or resources. We do not review or endorse the content of these websites. If you provide your personal details to these external websites then the use of these personal details will be governed by the privacy policy of that website and not our privacy policy.

  23. MISCELLANEOUS
    1. Circumstances beyond our control: We shall be under no liability for any delay or failure to deliver the Noddle services, Credit Coach services and/or Premium Noddle services or otherwise perform any obligation under these terms and conditions if the delay or failure is caused by circumstances beyond our reasonable control.
    2. What happens if a court finds any part of this contract to be illegal: If a court finds part of this contract illegal, the rest will continue in full force because each of the paragraphs of these terms and conditions operates separately.
    3. No rights given to third parties: These terms and conditions do not give any rights to anyone who is not a party to them.
    4. Which law applies and where you can bring court action: These terms and conditions are governed by the law of England and Wales and you can bring legal proceedings in respect of the products in the courts of England and Wales. If you live in Scotland you can bring legal proceedings in respect of the products in either the Scottish or the English courts. If you live in Northern Ireland you can bring legal proceedings in respect of the products in either the Northern Irish or the English courts.
    5. Transfer of rights under this contract: We may transfer our rights and obligations under this contract to another organisation. We will contact you to let you know if we plan to do this. If you are unhappy with the transfer you may contact us to end the contract within four weeks of us telling you about it and we will refund you any payments you have made in advance for the Premium Noddle services not provided.

Last updated October 2017