Luma Media Limited is a private company registered in England with company number 11174385 and having it’s registered address at 1st Floor Cloister House Riverside, New Bailey Street, Manchester, M3 5FS.
Debthelpcompare.co.uk is a trading style of Luma Media Limited.
By using this Website you agree to these Terms and Conditions. If you do not wish to be bound by these Terms and Conditions you should not use this website.
Debthelpcompare.co.uk may modify this Agreement at any time, and such modifications shall be effective immediately upon posting of the modified agreement on the site. You acknowledge and agree that you have not relied upon any representations, statements, agreements or undertakings not set out in these Terms and Conditions. The current version of these Terms and Conditions supersede any previous version(s).
1.1 ‘you’ and ‘your’ means the person who intends to use or is using this website.
1.2 ‘we’ ‘us’ and ‘our’ means Debthelpcompare.co.uk, a trading style of Luma Media Limited, registered in England and Wales (11174385) at the address of 1st Floor Cloister House Riverside, New Bailey Street, Manchester, England, M3 5FS and any other person or business that we may legally transfer our rights to under these Terms and Conditions. Luma Media Limited is an ICO registered data controller (ZA313166)
1.3 ‘Site’ means the Debthelpcompare.co.uk website
1.4 ‘Product Provider’ or ‘Service Provider’ means the supplier, distributor or provider of any service or product promoted on this website or made available via this website.
1.5 ‘Service’ or ‘Services’ means the service of introducing you to a Product Provider or Service Provider by the Debthelpcompare.co.uk website.
1.6 ‘Estimate’, ‘Quote’ or ‘Quotation’ means a price provided by a Product Provider or Service Provider on the basis of the information you have provided. Providing you with a Quote does not guarantee the availability of any product,service or price provided by the Product Provider or Service Provider as you will need to deal directly with the Product Provider or Service Provider to make a purchase.
1.7 ‘Agreement’, ‘Conditions’ or ‘terms’ means any condition, terms, or all conditions and agreements made in these Terms and Conditions.
2.1 This Site is aimed at UK residents and nothing within it or these Terms and Conditions constitutes an offer or promotion of Services to persons outside the United Kingdom. We do not make any warranty or representation that the Services we offer are available or appropriate for use by those outside the UK. Should you choose to use the Services we provide outside the UK, you do so at your own risk, and it is your responsibility to ensure that you are compliant with any applicable local laws.
2.2 You must only use the Site for your personal use or, if a business user, for the purpose of getting a Quote or information relating to your purchase of business products or services.
2.3 It is your responsibility to ensure that any information you supply to us or enter onto this Site is complete and accurate. Please check any information you provide before submitting it.
2.4 To get a Quote, you may need to answer several questions. These questions are designed to ensure that we and all relevant Product Providers or Service providers have the information necessary to provide you with accurate, appropriate and timely information relating to the products and/or services in which you are enquiring about.
2.6 If you choose to purchase or use a Product Provider or Service Provider directly you should also read their terms and conditions. The Product Provider or Service Provider's terms and conditions will cover any transaction or agreement between you and the Product Provider or Service Provider, whereas these Terms and Conditions agreed with us relate only to your use of this Site and provision of our Services.
2.7 Debthelpcompare.co.uk reserves the right to limit, suspend or terminate your use of the Service or any part of it at any time, for any reason, at its absolute discretion.
3.1 Debthelpcompare.co.uk will only provide an introduction to a relevant third-party. Debthelpcompare.co.uk will not and does not provide any debt solution advice. We will process your Enquiry and introduce you to a relevant third-party who may advise and/or make a recommendation for you after they have assessed your personal needs and requirements. We accept no liability whatsoever for the terms applying to any contract entered into with any third-party Product Provider or Service Provider or complaints that may arise directly in connection with service or products received from any Product Provider or Service Provider.
3.2 All information we supply to you will be in the English language. The law of England and Wales applies to the Services we provide, and the courts of England and Wales have the non-exclusive jurisdiction to settle any disputes about our Services.
4.1 We do not charge you a fee, as we are paid by the Product Provider or Service Provider for introducing you.
5.1 To deliver our Services as is necessary and fulfil our contractual obligations to you we may need to collect information about you and your personal circumstances. We use this information in several different ways, depending on why we need the information and we have measures in place to make sure your personal information is protected when we handle it. If you provide us with information about another person i.e. a partner, you must have their permission to provide their details and you confirm that you have such permission. You should also be aware that if you give us your information as part of a joint application for a particular product or service, we may share this information with the person you are applying with. Regardless of the type of personal information we obtain, once we are accountable for it we want to reassure you that; your data privacy, protection and security are important to us and we will only use your information lawfully, in ways you would reasonably expect and in accordance with our responsibilities and data protection principles under data protection law. We believe that this is essential to maintaining our relationship with you.
5.3 Your personal information may be transferred electronically (e.g. by email or over the Internet). We use encrypted connections to protect email traffic and any information that is collected or transferred over the internet is secured to protect the integrity and confidentiality of data transfer and to keep information private. We do not routinely transfer personal information outside the European Economic Area (EEA). However, a product or service may be administered by a Product Provider or Services Provider from a country outside Europe. We will only transfer personal information outside the EEA if the organisation receiving your personal information has provided adequate assurances and safeguards and your rights under the European General Data Protection Regulation are enforceable.
6.1 If you wish to register a complaint about our services, please contact us:
Write to: Debthelpcompare.co.uk Luma Media Limited, 1st Floor Cloister House Riverside, New Bailey Street, Manchester, England, M3 5FS
6.2 A summary of our internal complaints handling procedures for the reasonable and prompt handling of complaints is available here
7.1 Debthelpcompare.co.uk may at any time change, alter, replace, amend or remove any part or all parts of the Service at Debthelpcompare.co.uk absolute discretion.
7.2 The entire contents of the Site, including any trade marks (whether officially registered or unregistered), trade names, brands and logos belong to us, or people who have given us ownership or permission to use such information and/or copyright and as such are protected by international copyright and trademark laws. The owner of the copyrights and trademarks are Debthelpcompare.co.uk, its affiliates or other third-party licensors. You may not modify, copy, reproduce, republish, upload, post, transmit, or distribute, in any manner, the material on the site, including data, text, graphics, code and/or software.
7.3 You may download or copy the content and other downloadable items displayed on this Site for personal non business use only, (i.e. to assist with a purchasing decision), provided that you agree not to change or delete any copyright or proprietary notices from the materials, and you are not otherwise breaching these Terms and Conditions.
7.4 By using this Site, you agree that:
You will not do anything that affects the integrity or security of this website or causes or may cause harm, damage or unreasonable inconvenience to other users of this website or Debthelpcompare.co.uk; and
You will not gather, extract, download, reproduce and/or display or advertise on any other website, other online or off-line service or otherwise, any material on or from this Website, including but not limited to information relating to prices, whether that information has been gained by the use of spiders, data mining, trawling or other 'screen scraping' software or system used to extract data.
If you breach any of the clauses set out at 8.4 above, we may take such action as we deem appropriate, including denying you access to this Website, bringing legal proceedings against you and disclosing such information to appropriate legal and/or regulatory bodies.
7.5 You also acknowledge and agree that Debthelpcompare.co.uk cannot and does not guarantee or warrant that files available for downloading through the Site will be free of infection or viruses, worms, trojan horses or other code that manifest contaminating or destructive properties. You are responsible for implementing sufficient procedures and checkpoints to satisfy your particular requirements for accuracy of data input and output, and for maintaining a means external to the Site for the reconstruction of any lost data.
7.6 You assume total responsibility and risk for your use of the Site and consumption of its content through the internet. We provide the Site and related information "as is" and do not make any express or implied warranties, representations or endorsements whatsoever (including without limitation warranties of title or noninfringement, or the implied warranties of merchantability or fitness for a particular purpose) with regard to the service, any merchandise information or Service provided through the service or on the internet generally, and Debthelpcompare.co.uk shall not be liable for any cost or damage arising either directly or indirectly from any such transaction. It is solely your responsibility to evaluate the accuracy, completeness and usefulness of all opinions, advice, services, merchandise and other information provided through and as a result of the Service or on the internet generally. Furthermore, Debthelpcompare.co.uk does not warrant that the service will be uninterrupted or error-free or that defects in the service will be corrected.
7.7 Debthelpcompare.co.uk may provide links from the Website to other websites. You acknowledge and agree that Debthelpcompare.co.uk is not responsible for the availability of such sites and does not endorse or have responsibility for such sites or anything which appears on such sites.
8.1 Although this Site has been put together very carefully, there is the possibility that unintentional omissions or errors may exist. Debthelpcompare.co.uk will at all times use reasonable endeavours to maintain an uninterrupted and error-free service. However, Debthelpcompare.co.uk makes no representations or warranties expressly or impliedly that use of the service will be uninterrupted or error-free. Debthelpcompare.co.uk cannot accept any responsibility for interruption to, or unavailability of service and is not responsible for any errors or omissions. In no event will Debthelpcompare.co.uk be liable in any way whatsoever, to you or any third party for;
any incidental, consequential, or indirect damages (including, but not limited to, damages for loss of data, profits, revenue, business interruption, loss of programs or information, and the like) arising out of the use of or inability to use the service, or any information, or transactions provided on the service, or downloaded from the service, or any delay of such information or service. Even if Debthelpcompare.co.uk or its authorised representatives have been advised of the possibility of such damages; or
any claim attributable to errors, omissions, or other inaccuracies in the service and/or materials or information downloaded through the service. Debthelpcompare.co.uk makes no representations whatsoever about any other web site which you may access through this one or which may link to this Site. When you access a non-Debthelpcompare.co.uk web site, please understand that it is independent from Debthelpcompare.co.uk and that Debthelpcompare.co.uk has no control over the content on that website. In addition, a link to a Debthelpcompare.co.uk website does not mean that Debthelpcompare.co.uk endorses or accepts any responsibility for the content, or the use, of such website.
You shall indemnify Debthelpcompare.co.uk, its officers, directors, employees, agents, licensors, suppliers, Product Providers or Service Providers and any third-party information providers to the Service and keep Debthelpcompare.co.uk, its officers, directors, employees, agents, licensors, suppliers, Product Providers or Service Providers and any third-party information providers at all times fully indemnified from and against all actions, proceedings, claims, demands, costs and other liabilities however arising directly or indirectly as a result of any breach or non-performance by you of any of your obligations under these conditions.
The provisions of paragraphs 2 (Use of the Service), and 10 (Indemnification) are for the benefit of Debthelpcompare.co.uk and its officers, directors, employees, agents, licensors, suppliers, Product Providers or Service Providers and any third-party information providers to the Service. Each of these individuals or entities shall have the right to assert and enforce those provisions directly against you on its own behalf.
This Agreement may be terminated by either party without notice at any time for any reason. The provisions of paragraphs 2 (Use of the Service), 8 (Copyright, Licenses and Site Content), 10 (Indemnification), 11 (Third Party Rights) and 13 (Miscellaneous) shall survive any termination of this Agreement.
12.1 The validity, construction and performance of these Conditions shall be governed by English law and shall be subject to the exclusive jurisdiction of the Courts of the United Kingdom.
12.2 You agree that any legal action or proceeding between Debthelpcompare.co.uk and you for any purpose concerning this Agreement and its conditions or the parties' obligations hereunder shall be brought exclusively in a court of competent jurisdiction sitting in the United Kingdom. Any cause of action or claim you may have with respect to the Service must be commenced within one (1) year after the claim or cause of action arises or such claim or cause of action is barred.
12.3 You acknowledge that Debthelpcompare.co.uk failure to insist upon or enforce performance of any provision of these Terms and Conditions shall not be construed as a waiver of any provision or right. Neither the course of conduct between the parties nor trade practice shall act to modify any provision of this Agreement. Debthelpcompare.co.uk may assign its rights and duties under this Agreement to any party at any time without notice to you. Any rights not expressly granted herein are reserved.
12.4 If any part, term or provision of these Conditions, not being of a fundamental nature, shall be held to be illegal or unenforceable, the validity or enforceability of the remainder of these Conditions shall not be affected.
12.5 The waiver of any breach of any provisions of these Conditions shall not be construed as a waiver of any subsequent breach of a Condition, nor shall any delay or omission on the part of either party to exercise any right under these Conditions operate as a waiver of any breach or default by the other party.
12.6 Any notice required to be served by these Conditions shall be sent by email to Debthelpcompare.co.uk given email address, or your email address provided to Debthelpcompare.co.uk.
Last Updated: August 2021