1. General
1.1 Hello and welcome to Raporto. Please read these terms & conditions before using our website/application, because by continuing to use our website/application you are agreeing to be bound by them.
1.2 To use our website/application you must be 18 years or older and you’ll need to be a UK resident.
1.3 The aim of Raporto is to give you a plain english, easy to understand translation of the information used by banks, lenders, mobile phone companies, and utility providers when they make decisions on whether to give you access to their products or services.
1.4 Raporto’s credit monitoring service allows you to view information held about you by credit reference agencies and provides you with tools to monitor and protect your identity in an effort to make sure that your credit information is not being or has not been used by anyone else.
1.5 Raporto also provides tools & services to periodically match you with suitable products including bank accounts, credit cards, car finance, personal loans, mortgages, secured loans, insurances, gas, electricity, and broadband. Any match, quote or offer you receive is indicative and does not constitute a guarantee that a provider will issue you with a product.
1.6 We do not issue advice of any kind and nothing on the website/application should be considered a recommendation, endorsement, or condemnation. The only thing we do advise is that you seek financial advice from a qualified professional, to verify any information that you find on our website/application and wish to rely upon.
1.7 We offer an impartial and independent service. We’re paid by you to do a job for you. We aren’t paid or incentivised by any of the credit reference agencies or online fraud prevention agencies whose data we parse onto your account. We may however receive a commission if you choose to take a product as a result of a referral from Raporto. We will never rank products based on the amount we get paid.
1.8 If you use our service, you agree to appoint us as your attorney for the specific purposes of the exercising of your statutory rights to obtain details of all information held about you at any or all UK credit reference agencies and online fraud prevention agencies when requested by you to act on your behalf to dispute items at any or all UK credit reference agencies.
1.9 If you have any queries relating to these terms & conditions, or any other questions, contact the Raporto team at [email protected].
1.10 From time to time, we may change or update these terms & conditions. If we do, the updated or amended terms & conditions will be posted to this page.
1.11 If any provision of these terms & conditions is held to be unlawful, invalid, or unenforceable, that provision shall be deemed deleted, and the validity and enforceability of the remaining provisions shall not be affected.
1.12 These terms & conditions, together with our privacy policy and cookie policy, constitute the entire agreement between you and us relating to your access to and use of Raporto and supersede any prior agreements.
1.13 No failure or delay by us in exercising any right under these terms & conditions will operate as a waiver of that right nor will any single or partial exercise by us of any right preclude any further exercise of any right.
2. About Us
2.1 Raporto and raporto.co.uk are trading names of Raporto Limited, a firm authorised and regulated by the Financial Conduct Authority (Firm Reference Number 966252).
2.2 Raporto Limited is registered in the UK at 18 Christchurch Road, Bournemouth BH1 3NE (Registered Company Number 13717313).
2.3 Raporto Limited is registered with the Information Commissioner’s Office (Registration Number ZB290071).
3. Definitions
Credit Reference Agency
means a company that collects information relating to your credit usage;
Credit Report
means the credit bureau data held by one or more credit reference agencies detailing information about you and your credit usage;
Service
means the online provision of your various report and our monitoring of your reports, as part of your subscription to the service;
Trial Period
means the initial period of your subscription to our credit monitoring services which are made available to you without upfront payment. This period starts on the day you sign up for your subscription to our credit monitoring services and ends 30 days thereafter, during which time you may cancel. If you wish to cancel your subscription, please log in to our website/application, navigate to the “My profile” section of the website/application, and select “cancel”. In all cases, we will provide you with a cancellation reference code in confirmation;
we, us, our
means Raporto. Raporto is a trading style of Raporto Limited, a company registered in England under 13717313, whose registered address is 18 Christchurch Road, Bournemouth BH1 3NE; and
you, your
means you or belonging to you, the user of our website/application.
4. Your obligations
4.1 Raporto may be accessed for personal use. The website/application may also be used for business research purposes but only in the case of personnel working for a regulator, trade association, or similar body.
4.2 Please ensure that all information you enter into Raporto is complete and accurate. Entering inaccurate data may result in inaccurate information being shown. Please double-check your information before submitting it.
5. Payments
5.1 Raporto is a subscription service. Payments made for service are not refundable. This is because the information provided is delivered to us immediately and prepared on an individually bespoke and customised basis for you at the time of your order. The supply of such services falls within the exemption to the right to cancel as defined in s28(1)(b) of the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013.
5.2 The trial period offer is available only to new customers and only available once.
5.3 The cost for the service is £14.99 per month. This price includes all taxes, including VAT.
5.4 We shall use all reasonable endeavours to keep your subscription at the rate you have initially paid, but in the unlikely event that we need to increase the price, we reserve the right to do so. In this event, we will inform you by email at least 14 days before the new subscription rate comes into effect.
5.5 The initial subscription payment is taken as an administration fee. Subsequent payments are taken in arrears on the same date of each month (the 'due date'). If payments fall due on 29th, 30th or 31st, payment on shorter months is taken on the last day of the month and then reverts to the due date for subsequent payments.
5.6 If your card details change (e.g. if a replacement card is issued for any reason by your card issuer) and if we are able to obtain new card details from your card issuer, you authorise us to charge the replacement card at any time until you cancel your subscription.
5.7 If your subscription payment fails and if you have given us a backup payment method (such as credit or debit card details) you agree that we may attempt to take the missed and all future payments from your backup payment method until you advise us otherwise or until your subscription is cancelled.
5.8 If we remain unable to obtain payment despite our attempts to obtain payment from all available sources, your account will no longer be updated and you will no longer have the benefit of the service until payments are restored.
5.9 You agree that we may continue to try to take payment until you cancel your subscription or until at our sole discretion we deem it to be unreasonable to continue to try, whichever is the sooner. In the event that we are successful in obtaining payment from your card as a result, the due date for subsequent payments will be amended to the same day of the month that a successful payment was last made.
5.10 You may cancel your subscription, during or after the trial period, without penalty and without giving any reason. You can do this by logging in to our website/application, navigating to the “My profile” section, and selecting “cancel”.
5.11 When you cancel, we give you a confirmation reference number. Following cancellation we will take no further payments, will no longer monitor your credit report, and will no longer provide you with any identity theft assistance.
5.12 In addition to your contractual rights to cancel your subscription at any time, you have the right to cancel within 14 calendar days without penalty and without giving any reason.
5.13 If you cancel your subscription you agree that your card details will continue to be stored by us for up to 12 months to enable you to restart your subscription. You can ask us to remove your stored card details at any time after cancellation by contacting us.
5.14 If you subscribe to our service and if you do not cancel within the trial period - whether you have completed our authentication processes or not - you authorise us until further notice to charge £14.99 per month.
6. The service
6.1 To get the most from your Raporto subscription and to identify errors on your credit report or any signs of identity fraud as early as possible, you should log in to your account at regular intervals as your account will only refresh if you continue to log in.
6.2 The credit history you see on your credit report are provided by lenders who typically send an update of the status of accounts reported on your credit report to the credit reference agencies no more frequently than once each month.
6.3 Raporto provides your credit reports on a simplified basis to make it easier for you to understand the contents. You acknowledge that the credit report from Raporto is not the same either in content or format as the credit report you would receive from any credit reference agency at any time, or from any similar service.
6.4 Searches we make of credit reference agencies will leave an enquiry footprint both in our records and at the credit reference agencies we search. These are for your protection so that you may see who has been searching your credit report and when. Such footprints are not the same as those recorded by lenders when you apply for credit and do not affect either your credit score, or your ability to get credit.
6.5 From time to time it is not always possible to obtain your information from a credit reference agency. This might be because the format of your address recorded at the credit reference agency may be slightly different to the one you have provided us. If we cannot obtain your credit report from a credit reference agency, it is highly likely that lenders using that credit reference agency will also have difficulty obtaining your credit report, as the systems we use are very similar. Your credit report will show if this has happened. Automatically we will try to resolve the underlying issue and we achieve success in the majority of cases. If your information is not as complete as you would expect, please contact us.
6.6 We purchase information about individuals, properties and neighbourhoods from other companies. We refer to these companies as 'our suppliers'. Together with our suppliers, agents and employees, we take no responsibility for the contents of any information we provide, its completeness, timeliness or its usefulness.
6.7 We depend upon our suppliers to provide information to us on demand. This means that when any of these are unable to provide information to us, we are not able to continue to provide an immediate service to you. We will always use reasonable efforts to supply information but we can give no assurance on the continuing availability of any or all of our services.
6.8 From time to time, we may offer interest-free credit to eligible customers. Borrowers must be over 18 years of age and a UK resident. The maximum credit amount available is £100, specific details of the interest-free period, minimum payment, and late payment fees will be provided upon application and in the credit agreement provided. Borrowers must make at least the minimum payment specified in their credit agreement each month to avoid any late payment fees or charges. Borrowers who fail to make payments on time may be charged late payment fees and/or have their credit agreement terminated. Borrowers may be refused credit if they do not meet our eligibility criteria or if we consider that the credit would be unsuitable for them.
7. Information security
7.1 We take reasonable steps to protect the privacy of an individual when providing information over the Internet. You acknowledge and understand that there is always a remote possibility that criminal actions may result in unauthorised access to personally identifiable information and you should not attempt to use our services on behalf of anyone else. We take no responsibility if confidential information is unlawfully intercepted, hacked or stolen, and subsequently disclosed. You agree that you will not disclose your password to anyone at any time. You agree that you will not distribute or make available any information supplied by us to any third party or attempt to sell or otherwise make a profit, or use to derive an income from any of our services. If you become aware of any unauthorised use of our services, you agree to inform us immediately in order that steps may be taken to protect confidential information.
7.2 We have installed security devices and follow procedures that are designed to prevent unlawful access to information. From time to time we may have to temporarily suspend access to our services to enable us to protect this information. You agree that we may terminate the supply of information to you at any time and without notice and for any reason that we will not disclose or discuss.
8. Reasonable Use
8.1 You are permitted to use Raporto on the condition that you will not do anything to affect the integrity or security of the website/application or that may cause harm, damage, or unreasonable inconvenience to any other user of the website/application.
8.2 You are not permitted to gather, extract, download, reproduce or display any material from this website/application, including but not limited to information relating to prices. You are strictly forbidden from using spiders, data mining, trawling, screen scraping, or any other software or system used to extract data.
8.3 Any breaches of the above will result in action including denying you access to this website, bringing legal proceedings against you, and disclosures to the appropriate authorities and regulatory bodies.
9. Intellectual Property
9.1 The information, content, material, and data displayed on Raporto belongs to us or our licensor. You may temporarily print, copy, download or store extracts of information, content, material or data displayed on this website/application for your own personal use. You may not use information, content, material, and data taken from our website/application for any commercial purposes and you may not commercially exploit, publish, distribute, extract or reproduce without our prior written consent.
9.2 You will retain ownership of any views, opinions, reviews, ratings, rantings, ravings, comments, content, or material you submit, display, distribute, upload, post, share, publish, or otherwise make publicly available on or through our website/application. You grant Us an indefinite, irrevocable, transferable, worldwide, royalty free and unlimited licence to use, modify, keep, share, sell, save, copy, distribute, publish, display, excerpt, reproduce, utilise, extract, make available, print out and marvel at and transmit such content in any manner and for any purpose.
9.3 Certain names, words, titles, phrases, logos, icons, graphics, or designs to the pages of this website/application may constitute trademarks or unregistered trademarks of Raporto Limited. The display of any of the above trade names or trademarks on pages of this website/application does not imply that any licence has been granted to any third party in respect of the same. All other company names and devices, logos, icons, graphics, or designs referred to on the pages of this website/application are the trademarks of their respective owners and are exhibited only in such a manner as is intended to be for the benefit of such trademark owners and Raporto Limited intends no infringement of such trademarks. The appearance or absence of products, services, companies, organisation, home pages or other websites on this website/application does not imply any endorsement or non-endorsement thereof by Raporto Limited. All rights not expressly granted herein reserved by Raporto Limited.
10. Privacy Policy
We comply with all applicable data protection legislation in respect of the personal data We collect from you. If you decide to enquire about, apply for or purchase a product featured on our website/application, you will be directed to the website/application belonging to the relevant provider. If you provided any personal data in an application form on Raporto, this may also be passed to the provider to allow them to deal with your request. Providers will have their own privacy policies which you should review. you can view our Privacy Policy here.
11. Third party websites
The Raporto website/application contains links to websites operated by third parties. The operation and content of those websites are determined by those third parties and will be governed by separate terms and conditions. We do not accept responsibility or liability for the content of any third party website, as this is outside of our control.
12. Jurisdiction
These Terms & Conditions are governed by and subject to the laws of England and Wales. Any disputes under or relating to these terms or the website/application will be subject to the exclusive jurisdiction of the English courts.
13. Complaints
We want you to be really happy with the service We provide on our website/application and if you’re not entirely happy, We’ll do everything We can to put it right. If you do wish to make a formal complaint, you’ll find instructions on how to do so on our complaints page, which you can find here.
13. Complaints
14.1 By using our website/application, you agree to indemnify, defend and hold harmless; Us, our directors, officers, employees, and licensor from and against any claim, liability, cost, damage, or loss We may incur (including reasonable legal fees) as a result of any material that you post or transmit on our communication forums or via our communications systems, any actions you take that disrupt access and/or the functioning of our site or any breach by you of your obligations under these terms.
14.2 Raporto shall not be liable for any direct or indirect, special, incidental, or consequential damages, including the loss of profits, business revenue or goodwill arising from the use or access of or inability to use or access, interruption, or availability of this website/application, its operation or transmission, computer viruses, loss of data or otherwise in respect of its use.
14.3 Any exclusions or limitations or restrictions of liability contained in these terms of use and access of this website/application shall be subject to the qualification that nothing contained in any such exclusion or limitations or restrictions of liability shall operate to exclude or restrict any duty or liability of Raporto to any person which it has under the Financial Services and Marketing Act 2000 or its various amendments.
14.4 The information, materials, and functions contained in this website/application including text, graphics, links, or other items are provided on an ‘as is’ basis excluding any warranty whatsoever, express or implied, including but not limited to warranties of satisfactory quality, fitness for a particular purpose or freedom from computer viruses. Raporto excludes any liability for any errors in or omissions from information, materials, and functions included in this website/application or any third party linked to or from this website/application.
15. Implementation of this policy
This policy shall be deemed effective as of 02/11/2021. No part of this policy shall have retroactive effect and shall thus apply only to matters occurring on or after this date.