1. TERMS OF WEBSITE USE
This page (together with the documents referred to on it) tells you the terms of use on which you may make use of our website www.everythingfinancialuk.com ("our site"). Please read. By using our site, you agree that you accept these terms of use and abide by them.

2. PRIVACY POLICY
Please see our privacy policy by following this link

3. INFORMATION ABOUT US
Credit 4 All is a site operated by Credit 4 All Ltd ("We") and have our registered offices at International House, 226 Seven Sisters Rd, London N4 3GG

4. ACCESSING OUR SITE
We reserve the right to withdraw or amend the products and/or services we provide on our site without notice (see below). We will not be liable if for any reason our site is unavailable at any time or for any period.

5. INTELLECTUAL PROPERTY RIGHTS
We are the owner or the licensee of all intellectual property rights in our site, and in the material published on it. Those works are protected by copyright laws and treaties around the world. All such rights are reserved.

You may print off one copy, and may download extracts, of any page(s) from our site for your personal reference and you may draw the attention of others within your organisation to material posted on our site.

You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way, and you must not use any illustrations, photographs or any graphics separately from any accompanying text.

Our status (and that of any identified contributors) as the authors of material on our site must always be acknowledged.

You must not use any part of the materials on our site for commercial purposes without obtaining a licence to do so from us or our licensors.

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

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

7. ACCURACY OF INFORMATION
Our site contains information relating to us and our subsidiaries. All information or advice provided as part of our site is correct at the time of inclusion but we make no representation or warranty as to the completeness, accuracy, currency or adequacy or suitability of that information. We are not liable for any action you may take as a result of relying on such information or advice nor for any loss or damage suffered by you as a result of you taking such action.

The information included in our site has been compiled from a variety of sources and is subject to change without notice. We recommend that you print these Terms and Conditions and update your records from time to time.

8. OUR SITE CHANGES REGULARLY
We aim to update our site regularly, and may change the content at any time. If the need arises, we may suspend access to our site, or close it indefinitely. Any of the material on our site may be out of date at any given time, and we are under no obligation to update such material.

9. AVAILABILITY OF OUR SITE
We cannot guarantee that our site will always be accessible due to the nature of the internet, as our site may be unavailable or suspended to allow for repairs, maintenance or the introduction of new products or services.

10. OUR LIABILITY
The material displayed on our site is provided without any guarantees, conditions or warranties as to its accuracy. To the extent permitted by law, we, other members of ourgroup of companies and third parties connected to us hereby expressly exclude:

(a)
All conditions, warranties and other terms which might otherwise be implied by statute, common law or the law of equity.

(b) Any liability for any direct, indirect or consequential loss or damage incurred by any user in connection with our site or in connection with the use, inability to use, or results of the use of our site, any websites linked to it and any materials posted on it, including, without limitation any liability for:

(c)
loss of income or revenue;

(d)
loss of business;

(e)
loss of profits or contracts;

(f)
loss of anticipated savings;

(g)
loss of data;

(h)
loss of goodwill;

(i)
wasted management or office time; and

(j)
for any other loss or damage of any kind, however arising and whether caused by tort (including negligence), breach of contract or otherwise, even if foreseeable.

11. EMAILS AND INFORMATION SENT TO US
Any email or attachment sent to us will not be encrypted and we therefore do not accept any liability if emails sent by you are compromised (including, but not limited, to their security or confidentiality). We do not, to the extent permitted by law, accept any liability as set out in Clause 9 above for any external compromise of any security and/or confidentiality in relation to transmissions sent by email.

12. INFORMATION ABOUT YOU AND YOUR VISITS TO OUR SITE
We process information about you in accordance with our privacy policy. By using our site, you consent to such processing and you warrant that all data provided by you is accurate.

13. VIRUSES, HACKING AND OTHER OFFENCES
You must not misuse our site 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 our site, the server on which our site is stored or any server, computer or database connected to our site. You must not attack our site 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 will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use our site will cease immediately.

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

14. LINKING TO OUR SITE
You must not create links to any part of our site without our prior written permission. If you wish to request such permission, please email info@credit4all.org.uk. Linked web sites whether permitted or not do not have implied affiliation with our site.

If we grant you permission to create links to any part of our site, the website from which you are linking must comply in all respects with the content standards set out in our acceptable use policy.

15. COPY RIGHT
All information presented, unless specifically indicated otherwise is under copyright to us or our licensors. Information is freely available for downloading and browsing but may not be altered, transmitted, distributed, reproduced, duplicated, copied, or re-sold without our prior written consent.

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

17. JURISDICTION AND APPLICABLE LAW
The English courts will have non-exclusive jurisdiction over any claim arising from, or related to, a visit to our site although we retain the right to bring proceedings against you for breach of these conditions in your country of residence or any other relevant country. These terms of use are governed by English law.

18. TRADE MARKS
"Credit 4 All" is the registered trade marks of Credit 4 All Ltd

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

20. REFUNDS
We provide a full money back guarantee on all our non-status products and services. If we cannot obtain the non-status facility you require and/or made a best attempt at providing a similar facility then we will refund your payment in full immediately.

Thank you for visiting our site.

©Credit 4 All 2008