Legal ("the Site") is owned and operated by Credit Risk Solutions Limited ("CRS") whose registered office is Dean Clough, Halifax, HX3 5AX. Credit Risk Solutions is registered in England and Wales under company number 04839874. content ("the Content") is owned or licensed by Credit Risk Solutions Limited. Please read these terms and conditions (particularly those relating to copyright). By accessing and using the Site you are agreeing to these terms and conditions. You must read the important disclaimers which follow as they affect your use of the Site.

No Warranties

Because of the nature of the internet, CRS does not give any warranties in respect of the site (including the content and any software or services available through it). And (to the fullest extent allowed by law) disclaims all warranties, conditions or duties of every nature whatsoever, including without limitation, any implied warranties of satisfactory quality or of fitness for a particular purpose, any express or statutory warranties, and any warranties of duties regarding accuracy, timeliness, completeness or performance. CRS does not warrant or represent that the site is current or free from infection by viruses, Trojans or worms or anything else that has contaminating or destructive properties.


You agree that (to the fullest extent allowed by law) CRS will not be liable to you and/or any third party for any damages (including, without limitation, damages for any indirect or consequential loss, loss of business opportunities or projects, or loss of profits) howsoever arising even if CRS has been advised of the possibility of such damages and even in the event of fault, tort (including negligence, strict liability or otherwise). Nothing in the forgoing shall however exclude or limit liability for death or personal injury caused by CRS negligence nor liability for any claim resulting from any fraudulent act(s) including theft and conversion by CRS.


You may link to this Site provided you link to the home page in a new browser window. You may not deep-link nor frame this Site.The Site may contain hyperlinks to websites provided by third parties outside of CRS. CRS is not responsible for the availability or content of such sites. Links to third party sites are provided solely as a convenience to you and do not constitute any endorsement, authorisation, sponsorship, affiliation or publication by CRS of such site, its owners or providers.

Personal and Other Information

The information you provide about yourself to CRS will only be used by CRS in accordance with the CRS Privacy Policy notice. CRS collects and analyses aggregate information to monitor the performance of the Site.You may provide CRS with non-personal information (for instance, feedback, data, questions, comments and suggestions) from which it is not possible to identify you as an individual. CRS shall be free to use any such ideas, know-how or techniques provided by you for any purpose whatsoever including but not limited to developing, manufacturing and marketing products incorporating such ideas, know-how or techniques.


There are risks in using any information, software or products on the Internet and CRS cautions you to make sure you completely understand these before retrieving, using or relying upon or purchasing anything via the Internet. It is your responsibility to verify any information before relying on it.

CRS reserves the right to make changes to any part of the Site and these terms.

These terms shall be governed by, and construed in accordance with, English law. You irrevocably agree that the courts of England shall (subject to the paragraph below) have exclusive jurisdiction to settle any dispute which may arise out of, under, or in connection with these terms or the relationship established by them.

For the exclusive benefit of CRS, CRS shall retain the right to bring proceedings as to the substance of the matter or otherwise in the courts of the country of your residence or, where these terms are entered into in the course or your business, the country of your principal place of business.

If any provision of these terms is found to be invalid by any court having competent jurisdiction, the invalidity of that provision will not affect the validity of the remaining provisions which shall remain in full force and effect.

Failure by CRS to exercise any right or remedy under these terms does not constitute a waiver of that right or remedy.

Headings in these terms are for convenience only and shall have no legal meaning or effect.

Copyright Notice

All copyright, database right and other intellectual property rights in the Content belong to CRS. Except as expressly set out, nothing herein shall be construed as conferring any licence or other right in relation to the Content.

You may retrieve and view the Content on-screen and print on paper (but not photocopy) or store in electronic form on a local hard disk or WAP enabled device (but not on any server or other device connected to a network) a reasonable amount of the Content for your personal and non-commercial use only.

You may not otherwise modify, copy, distribute, transmit, display, perform, reproduce, publish, licence or create derivative works from the Content.

You acknowledge that "CRS" and "" are trade marks and that you must not use them without the written permission of CRS.

©Credit Risk Solutions Ltd 2015

Last updated on 17 September 2015

Credit Risk Solutions Limited is authorised and regulated by the Financial Conduct Authority. Credit Risk Solutions Limited's FCA register number is 300586.