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Terms of Use

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INTRO – Terms Of Use

By accessing any Vehicle Group website and Vehicle Group applications, services, products and tools  (completely, “Vehicle Group”) you are agreeing to these Terms of Use. Vehicle Group is offered to you by Express Vehicles Limited, 425 TYBURN RD, BIRMINGHAM, UNITED KINGDOM, B24 8HJ registered in England and Wales with business number 00000000 (” we”, “us” or “our”).

These Terms of Use constitute a lawfully binding arrangement between you and Vehicle GroupLimited and work since 22nd June 2020 for present users and upon acceptance for brand-new users. You accept these Terms of Use by clicking the “Sign Up” button when registering a Vehicle Group account and by otherwise accessing Vehicle Group, including posting a listing, or as otherwise indicated on Vehicle Group. You can find the old Terms of Use here and Acceptable Use Policy here.

 

  1. OTHER RELEVANT TERMS

1.1 These Terms of Use refer and incorporate the following additional terms, which also apply to your use of Vehicle Group:

  1. a) Our Acceptable Use Policy below which set out the permitted uses and prohibited uses of Vehicle Group, in particular, any/all mobile application software or software application we may make available (” App( s)”). When using Vehicle Group you must comply with the Acceptable Use Policy, in particular, you warrant that all data provided by you is true and accurate.
  2. b) Our User Privacy Notice, which sets out the terms on which we process any personal data we collect about you or that you provide to us and information about the cookies on Vehicle Group. By using Vehicle Group, you acknowledge that you have read and understood our User Privacy Notice in relation to such processing and you warrant that all data provided by you is true and accurate.
  3. CHANGES TO Vehicle Group

2.1 We may update Vehicle Group from time to time and may change the Content at any time. However, if any of the Content on Vehicle Groupis out of date at any given time, we are under no obligation to update it.

2.2 We do not guarantee that Vehicle Group, or any Content on it, will be free from errors or omissions.

 

  1. ACCESSING Vehicle Group

3.1 We do not guarantee that Vehicle Group, or any Content (as defined below) on it, will always be available or be uninterrupted. Access to Vehicle Group is permitted on a temporary basis and we may suspend, withdraw, discontinue or change all or any part of Vehicle Group without notice. We will not be liable to you if for any reason Vehicle Group is unavailable at any time or for any period.

3.2 You are responsible for making all arrangements necessary for you to have access to Vehicle Group.

3.3 We provide a variety of different services and additional terms (including age requirements) may apply.

3.4 Our services are not suitable for those under 16 years of age and, as such, by using Vehicle Group you represent that you are at least 16 years of age. Persons who are at least 16 years of age but under the age of 18 years of age may only use Vehicle Groupwith legal parental or guardian consent.

 

  1. YOUR ACCOUNT AND PASSWORD

4.1 If you choose, or you are provided with, a user identification code, password or any other piece of information as part of our security procedures, you must treat such information as confidential. You must not disclose it to any third party.

4.2 We have the right to disable any user identification code or password, whether chosen by you or allocated by us, at any time, if in our reasonable opinion you have failed to comply with any of the provisions of these Terms of Use.

4.3 If you know or suspect that anyone other than you knows your user identification code or password, you must promptly contact us at info@Vehicle Group.

 

  1. INTELLECTUAL PROPERTY RIGHTS

5.1 All texts, images, user interfaces, video media, artwork, computer code (including but not limited to HTML, Javascript, ActionScript and XML), design, structure, general “look and feel” of Vehicle Group (altogether, “Content”) is owned or licensed to us and is protected by intellectual property rights laws.

5.2 Except as otherwise declared within these Terms of Use, no part of Vehicle Groupmay be copied, reproduced, republished, posted, uploaded or otherwise duplicated on any other computer, server or website for commercial enterprise, without our prior written consent.

5.3 If you print off, copy or download any part of Vehicle Group in breach of these Terms of Use, your right to use Vehicle Group will cease immediately and you must, at our option, return or destroy any copies you have made.

 

  1. NO RELIANCE ON INFORMATION

6.1 The Content is provided for general information only. It is not intended to amount to advice on which you should rely. You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of the Content.

6.2 We shall have no responsibility to check the accuracy of any information provided or made available to us (which includes information listed in catalogues, listings and any other literature in use from time to time) and you rely on all such information at your own risk.

6.3 It is for you to satisfy yourself as to the price, quality, condition, provenance (or any other characteristic) of any goods or services on Vehicle Group through your own inspection and inquiries and we shall accept no liability for any information prepared by us (in particular, where we have been dependent and/or reliant on information provided by third parties and, for the avoidance of doubt, we do not undertake to check or scrutinise such information).

6.4 Vehicle Group may contain technical inaccuracies and typos. Although we make reasonable efforts to update the information on Vehicle Group, we make no representations, warranties or guarantees, whether express or implied, that the Content on Vehicle Group is accurate, complete or up-to-date. You agree to use Vehicle Group at your own risk.

 

  1. REDUCED AND ‘SPECIAL OFFER’ CARS

7.1 The prices of all cars advertised on Vehicle Group are notified to us by third party sellers. You should ask the advertiser to confirm the price when contacting them to enquire about a vehicle.

 

7.2 Price reductions displayed in the “Reduced Vehicles” section are calculated by us. We use information provided by the advertiser to compare the current advertised price of a car with its most recent, higher price that applied for a minimum of 28 days. This comparison is provided to show the recent pricing history of the car and might not represent a price promotion or special offer from the advertiser.

 

7.3 Vehicles which are subject to a ‘special offer’ are displayed in the ‘Special Offers’ section of Vehicle Group, as well as being flagged as such in the general search results. To benefit from a ‘special offer’, you should print or produce the unique discount voucher displayed on a particular vehicle’s advert at the specified dealership. Any discount voucher obtained through Vehicle Group shall be valid for 28 days from you clicking to ‘redeem this voucher’ on Vehicle Group. The promoter for a discount voucher shall be the dealer offering the vehicle for sale, whose contact details are available on the vehicle’s advert page. Any further terms and conditions for use of the discount voucher shall be displayed on the voucher itself.

 

  1. LIMITATION OF OUR LIABILITY

8.1 Nothing in these Terms of Use excludes or limits our liability for death or personal injury arising from our negligence, our fraud or fraudulent misrepresentation or any other liability that can not be excluded or limited by English law.

8.2 To the extent permitted by law, we exclude all conditions, warranties, representations or other terms which may apply to Vehicle Group or any Content on it, whether express or implied (including but not limited to vehicle information and valuation). We make no representations, warranties, guarantees or promises that any third party independent data from such third parties as CAP Automotive Limited or Glass’ Information Services Limited (or any other company who provides us with vehicle valuations) or any data provided by us is accurate or reflects the true value of that vehicle. Where an estimate is provided on a vehicle it will be subject to changes in market conditions (both nationally and regionally) which may affect the price at which it is valued. You rely at your own risk on any estimate of the value of a vehicle given on Vehicle Group. Some jurisdictions do not allow the disclaimer of warranties or exclusion of damages, so such disclaimers and exclusions may not apply to you. Despite the previous paragraph, if we are found to be liable, our liability to you or any third party (whether in contract, tort, negligence, strict liability in tort, by statute or otherwise) is limited to  ₤ 50 (fifty pounds sterling).

8.3 We are not liable in any way for failure, interruption, delay or any other matters of a similar nature whatsoever to Vehicle Group arising out of circumstances beyond our reasonable control including, but not limited to, fire, explosion, earthquake, flood, storm, riot, civil disturbance, strikes, lockouts and industrial disputes, war, nuclear accident, terrorist activity, failure of equipment or transmission (or other supply) difficulties (except where such failure or transmission (or other supply) difficulties are caused by our negligence or wilful default), the act or order of any government department, council or other constituted body and acts of God.

8.4 We will not be liable to any user for any loss or damage, whether in contract, tort (including negligence), breach of statutory duty or otherwise, even if foreseeable, arising under or in connection with:

  1. a) use of, functionality or inability to use Vehicle Group and/or Vehicle Group;
  2. b) use of or reliance on any Content displayed on Vehicle Group;
  3. c) loss of profits, sales, business, or revenue;
  4. d) business interruption;
  5. e) loss of anticipated savings;
  6. f) loss of business opportunity, goodwill or reputation; or
  7. g) any indirect or consequential loss or damage.

 

8.5 We will not be liable for any loss or damage caused by a virus, distributed denial-of-service attack, or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of Vehicle Group or to your downloading of any Content on it, or on any website linked to it.

8.6 We assume no responsibility for the content of websites linked on Vehicle Group. Such links should not be interpreted as endorsement by us of those linked websites. We will not be liable for any loss or damage that may arise from your use of them.

 

  1. RELEASE

If you have a dispute with one or more Vehicle Group users, you release us (and our officers, directors, agents, subsidiaries, joint ventures and employees) from any and all claims, demands and damages (actual and consequential) of every kind and nature, known or unknown, arising out of or in any way connected with such disputes.

 

  1. CONTENT

10.1 Whenever you make use of a feature that allows you to upload Content to Vehicle Group, or to make contact with other users of Vehicle Group, you must comply with the content standards set out in our Acceptable Use Policy.

10.2 You warrant that any such contribution complies with those standards and you will be liable to us and indemnify us for any breach of that warranty, which means that you will be responsible for any loss or damage we suffer as a result of your breach of warranty.

10.3 When you give us Content, you grant us and represent that you have the right to grant us, a non-exclusive, worldwide, perpetual, irrevocable, royalty-free, sub-licensable (through multiple tiers) right to exercise any and all copyright, publicity, trade marks, design, database and intellectual property rights to that Content, in any media whether now known or to be discovered in the future including, without limitation, on any third party Platforms (as defined below) and media channels. In particular, by giving us Content, you grant us the right to display such Content on Platforms that are part of the global car community, such as auto trader or our classifieds sites in other countries, and on other online marketplaces, social media channels, blogs, in all types of marketing communications and on all other Platforms for any purpose. In addition, you waive all moral rights you have in the Content to the fullest extent permitted by law.

10.4 We also have the right to disclose your identity to any third party who is claiming that any Content posted or uploaded by you to Vehicle Group constitutes a violation of their intellectual property rights, or of their right to privacy.

10.5 We will not be responsible, or liable to any third party, for the content or accuracy of any Content posted by you or any other user of Vehicle Group

10.6 We have the right to remove any listing you make on Vehicle Group if, in our sole opinion, your post does not comply with the content standards set out in our Acceptable Use Policy.

10.7 The views expressed by other users on Vehicle Group do not represent our views or values.

10.8 We may at times use third party data suppliers to supplement the information you have provided in a listing. This could include descriptions, product specifications and other Content. You may use such information solely in connection with your listing while your listing is on Vehicle Group. The information provided may be subject to copyright, trade mark and/or other protections. You agree not to remove any such protected information and/or create any derivative works based on the Content (other than by including them in your ads). This permission is subject to modification or revocation at any time at our sole discretion.

10.9 You may not have the opportunity to review all of the supplemental data before posting a listing. We are not responsible for the accuracy of any third party supplied supplemental data. You continue to be responsible for ensuring that your listings are accurate, do not include misleading information and fully comply with these Terms of Use. If you notice inaccuracies in this data after your listing appears on the site please get in touch with us.

  1. GLOBAL MARKETPLACE

Some Vehicle Group features may display your listing on other sites, services, applications or tools (together, “Platform( s)”) that are part of the global auto community (for example, on eBay Platforms in the United Kingdom or in other countries), or on third party Platforms, including social media channels. By using Vehicle Group, you agree that your ads can be displayed on these other Platforms and media channels. The terms for our other other Platforms are similar to these terms, but you may be subject to additional laws or other restrictions in the countries where your listing is posted. When your listing is posted on another Platform, you may be responsible for ensuring that it does not violate such other Platform’s policies. We may remove your listing if it is reported to us, any other Platform, or any third party Platform, or if we believe it causes problems or violates any law or policy.

  1. VIRUSES

12.1 We do not guarantee that Vehicle Group will be secure or free from bugs or viruses.

12.2 You are responsible for configuring your information technology, computer programmes and platform in order to access Vehicle Group. You should use your own virus protection software.

12.3 You must not misuse Vehicle Group by knowingly introducing viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not attempt to gain unauthorised access to Vehicle Group, the server on which any part of Vehicle Group is stored or any server, computer or database connected to Vehicle Group.

You must not attack Vehicle Group (such as via a denial-of-service attack or a distributed denial-of service attack.) By breaching this provision, you would commit a criminal offence under the Computer Misuse Act 1990. We may 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 Vehicle Group will cease immediately.

  1. 3RD PARTY LINKS AND RESOURCES ON Vehicle Group

13.1 Where Vehicle Groupcontains links to other sites and resources offered by third parties, these links are offered your information just. We have no control over the contents of those sites or resources. Our addition of links to other third party sites or resources does not suggest our recommendation of the product consisted of on such websites or of the third parties themselves.

 

  1. MODIFICATIONS

We may upgrade these Terms of Use at any time with updates working when you next post or 30 days after we publish the updated terms on Vehicle Group, whichever is earlier. No other change to these Terms of Use will be effective unless made in composing, signed by users and by us.

Some of the provisions contained in these Terms of Use may likewise be superseded by arrangements or notices published somewhere else on Vehicle Groupor particular terms appropriate to any registered user account or Specific App Terms (as specified listed below).

 

  1. GENERAL

15.1 You are not entitled to move or assign any best or obligation occurring under these Terms of Use without our previous written consent.

15.2 We will not be responsible for any failure to perform, or delay in performance of, any of our responsibilities under these Terms of Use that is triggered by any act or occasion beyond our reasonable control. If such an occasion happens our responsibilities under these Terms of Use will be suspended and the time for performance of our responsibilities will be extended for the duration of such event.

15.3 These Terms of Use and any rights developing under it are governed by English law. You and we concur that the courts of England and Wales will have exclusive jurisdiction.

 

  1. CONTACT United States

16.1 To contact us, please see Contact Us.

  1. RESOLUTION OF DISPUTES

17.1 If a conflict emerges in between you and us, we highly encourage you to very first Contact Us. We will consider affordable requests to deal with the disagreement through alternative conflict resolution treatments, such as mediation or arbitration, as options to litigation. We motivate users of Vehicle Group to use the Online Dispute Resolution (ODR) Platform to manage any prospective dispute with another Vehicle Group user, or with us: http://ec.europa.eu/consumers/odr/.

APPROPRIATE USE POLICY

INTRODUCTION

This Acceptable Use Policy (” AU Policy”) sets out further terms between you and us under which you may access Vehicle Group, in particular, any App we might make available.

Your use of Vehicle Group suggests that you likewise accept, and agree to follow, the regards to this AU Policy.

 

  1. GAIN ACCESS TO APPS

1.1 The terms of this AU Policy apply to any App or any of the services available through an App nevertheless these are offered from time to time. Separate terms may apply to an individual App which we may bring to your attention from time to time (typically when you log onto the App) and will need approval by you prior to any continuous use of such App (” Specific App Terms”).

1.2 Our Apps might require you to register as a specific registered user by completing our account opening process. Access to our Apps is personal and only by utilizing the specific suitable individual log in and password. In order to be entitled to access any of our Apps you might be required to finish an account opening type and to be accepted by us as a registered user.

 

  1. GRANT AND SCOPE OF APP LICENCE

2.1 Subject to, and in factor to consider of, you agreeing to accept the regards to this AU Policy (and subject to you finishing any account registration procedure we may need and you being accepted by us for the continuous operation of an account), we give you a non-transferable and non-exclusive licence to use the particular App( s) that we notify you that you are authorised to use. This licence grant is likewise subject to any Specific App Terms that might be brought to your attention in line with area 1.1 above, this AU Policy and any 3rd party app shop specific rules with which you may be needed to comply in order to download and preserve the use of any App.

2.2 Our Apps are offered on an “as is” and “as and when available” basis. It is your responsibility to ensure that you use current versions of any App we might offer and are either the owner of any device or have authorization to use any gadget (from the owner of such device) for the purposes of accessing an App. We do not warrant that any App provided to you will work with any specific gadget.

2.3 Any App made available to you and any log in account and/or password details that are set for your utilisation of any of our Apps are individual to you and should not be shared or distributed in any way. You are responsible for the security of your access to the App. Visit rights might be suspended or withdrawn at any time at our sole discretion.

2.4 You accept that the App and any information moved utilising an App (whether related to any services we may supply or not) may be accessible by 3rd parties and you understand and accept that internet transmissions and utilisation of any Apps are not warranted as private or private.

2.5 By using the App, you concur that we may gather and utilize technical information about any device and associated software application and equipment that you might utilize to access the App to improve our items, internal service functions and to provide any services to you. Apps may make use of place data. You can switch off place settings for the App on your gadget. Our User Privacy Notice discusses how we collect, procedure, hold and use your individual information. You acknowledge that you have read and understood our User Privacy Notice.

 

  1. PROHIBITED USES

3.1 You might utilize Vehicle Group only for lawful functions.

3.2 You may not use Vehicle Group:

  1. a) in any way that breaches any relevant regional, nationwide or worldwide law or regulation;
  2. b) in any way that is illegal or fraudulent, or has any unlawful or deceptive purpose or effect;
  3. c) for the purpose of hurting or trying to harm anyone in any way;
  4. d) to knowingly transfer any information, send out or submit any product that contains infections, Trojan horses, worms, time-bombs, keystroke loggers, spyware, adware or any other harmful programs or similar computer code designed to negatively affect the operation of any computer system software application or hardware;
  5. e) for any action which would interfere with or interrupt Vehicle Group or servers or networks connected to Vehicle Group;
  6. f) for any action to de-compile, disassemble, customize, translate, adjust, reverse engineer, create derivative works from, or sublicense any software deployed in connection with any element of Vehicle Group (save as might be necessary to attain inter-operability with another software application programme or application pursuant to the limited right contained in s269A of the Copyright, Designs and Patents Act 1988, and which you agree shall not be utilised to produce any software application or application which is substantially similar to Vehicle Group );.
  7. g) for use of automated methods, consisting of spiders, scraper, robots, crawlers, or the like to download information from Vehicle Group;.
  8. h) to acquire contact information for the functions of bothering our staff or any other unlawful activity;.
  9. i) to call advertisers of lorries besides in connection with a real query connecting to the purchase by you of the automobile in question; and/or.
  10. j) to gather or otherwise collect or use any info about others (consisting of individual data such as e-mail addresses) without their authorization and must just utilize such details for Vehicle Group transaction-related purposes or for other services used by Vehicle Group.

3.3 You likewise concur:.

  1. a) not to recreate, duplicate, copy or re-sell any part of Vehicle Group consisting of any image, information, logo or trade mark without our written consent and you agree you will not contravene the provisions of our Terms of Use;.
  2. b) not to access without authority, disrupt, damage or disrupt:.

any part of Vehicle Group;.

any devices or network on which Vehicle Group are kept;.

any software application utilized in the arrangement of Vehicle Group ; or.

any devices or network or software owned or used by any 3rd party.

3.4 You acknowledge that all intellectual property rights in and related to Vehicle Group come from us.

 

  1. INTERACTIVE SERVICES.

4.1 We may from time to time provide interactive services on Vehicle Group such as chatroom, bulletin board system, forums and newsgroups (” Online Interactive Service( s)”).

4.2 Where we do offer any Online Interactive Services, we will offer clear info to you about the kind of service provided, if it is moderated and what kind of moderation is used (including whether it is human or technical). Please keep in mind that we are unable to moderate any live interactions (” Live Chat”).

4.3 We will use affordable endeavours to examine any possible dangers for users (and in particular, for kids) from third parties when they utilize any Online Interactive Services service provided on Vehicle Group and we will choose in each case whether it is appropriate to use small amounts of the relevant service (including what type of moderation to use) in the light of those dangers. Nevertheless, we are under no obligation to supervise, keep track of or moderate any Online Interactive Services we provide on Vehicle Group and we specifically omit our liability for any loss or damage occurring from the use of any Online Interactive Services by a user in breach of our material requirements, whether the service is moderated or not.

4.4 The usage of any of our Online Interactive Services by a child undergoes the approval of their legal moms and dad or guardian. We encourage parents who permit their kids to utilize Online Interactive Services that it is important that they communicate with their kids about their security online, as moderation is not foolproof. Children who are using any Online Interactive Service should be warned of the possible threats to them.

4.5 Where we do moderate an Online Interactive Service, we will typically provide you with a method of getting in touch with the mediator needs to a concern or trouble arise. Nevertheless, we are not able to offer this details in relation to Live Chat which is not moderated.

 

  1. CONTENT STANDARDS.

5.1 The content requirements set out in this section 5 apply to any and all material which you add to Vehicle Group (” Contribution( s)”), any Online Interactive Services associated with it and to any information you offer to us to register as a customer of ours (for instance you will require to sign up with us to schedule an appointment with us to bring your lorry in for an inspection and prospective sale at auction).

5.2 You should comply with the spirit and the letter of the following standards in relation to any Contribution you make to Vehicle Group or any details you offer to us.

5.3 Contributions, and any other info you provide to us, need to:.

  1. a) be precise (where they mention facts);.
  2. b) be really held (where they mention opinions); and.
  3. c) abide by any suitable local, national or international law or policy.

5.4 Contributions, and any other info you provide to us, should not:.

  1. a) include any material which is obscene, offensive, hateful, inflammatory or defamatory of anybody;.
  2. b) promote illegal activity, sexually explicit material or violence;.
  3. c) promote discrimination based upon race, sex, religious beliefs, citizenship, impairment, sexual orientation or age;.
  4. d) infringe any copyright, database right, trade mark or other copyright rights of any other individual;.
  5. e) be likely to trick anybody;.
  6. f) be made in breach of any legal duty owed to a 3rd party, such as a contractual responsibility or a duty of self-confidence;.
  7. g) be threatening, violent or attack another’s personal privacy, or trigger inconvenience, inconvenience or needless anxiety;.
  8. h) be most likely to pester, upset, humiliate, alarm or frustrate any other individual;.
  9. i) be utilized to impersonate anybody, or to misrepresent your identity or association with any person;.
  10. j) provide the impression that they originate from us, if this is not the case; and.
  11. k) supporter, promote or help any unlawful act such as copyright violation or computer abuse.
  12. SUSPENSION AND TERMINATION.

6.1 We will determine, in our sole discretion, whether there has actually been a breach of this AU Policy through your use of Vehicle Group . When a breach of this AU Policy has occurred, we may take such action as we consider proper (which may include immediate suspension or termination of access or usage).

6.2 Failure to adhere to this AU Policy makes up a material breach of our Terms of Use and might result in our taking all or any of the following actions:.

  1. a) immediate, short-lived or long-term withdrawal of your right to use any/all of Vehicle Group ;.
  2. b) immediate, short-lived or permanent removal of any listing or product submitted by you to any/all of Vehicle Group ;.
  3. c) concern of an alerting to you;.
  4. d) obstructing your telephone number and/or IP address;.
  5. e) legal procedures against you for reimbursement of all expenses on an indemnity basis (including, however not limited to, affordable administrative and legal expenses) arising from the breach;.
  6. f) additional legal action versus you; and/or.
  7. g) disclosure of such information to law enforcement authorities.

6.3 We exclude (to the maximum extent allowed by law) liability for actions taken in reaction to breaches of this AU Policy. The actions explained in this AU Policy are not exhaustive and at our sole discretion we might take any other action.

7. CRA INFOMATION.

In order to process your application, we will perform credit and identity checks on you with one or more credit reference agencies (“CRAs”). Where you take banking services from us we may also make periodic searches at CRAs to manage your account with us.

 

To do this, we will supply your personal information to CRAs and they will give us information about you. This will include information from your credit application and about your financial situation and financial history. CRAs will supply to us both public (including the electoral register) and shared credit, financial situation and financial history information and fraud prevention information.

 

We will use this information to:

  • Assess your creditworthiness and whether you can afford to take the product;
  • Verify the accuracy of the data you have provided to us;
  • Prevent criminal activity, fraud and money laundering;
  • Manage your account(s);
  • Trace and recover debts; and
  • Ensure any offers provided to you are appropriate to your circumstances.

 

We will continue to exchange information about you with CRAs while you have a relationship with us. We will also inform the CRAs about your settled accounts. If you borrow and do not repay in full and on time, CRAs will record the outstanding debt. This information may be supplied to other organisations by CRAs.

 

When CRAs receive a search from us they will place a search footprint on your credit file that may be seen by other lenders.

 

If you are making a joint application, or tell us that you have a spouse or financial associate, we will link your records together, so you should make sure you discuss this with them, and share with them this information, before lodging the application. CRAs will also link your records together and these links will remain on your and their files until such time as you or your partner successfully files for a disassociation with the CRAs to break that link.

 

The identities of the CRAs, their role also as fraud prevention agencies, the data they hold, the ways in which they use and share personal information, data retention periods and your data protection rights with the CRAs are explained in more detail at www.transunion.co.uk/crain. CRAIN is also accessible from each of the three CRAs – clicking on any of these three links will also take you to the same CRAIN document: Transunion www.transunion.co.uk/crain; Equifax www.equifax.co.uk/crain; Experian www.experian.co.uk/crain.