Terms

The purpose of these Terms is to explain what you can and can't do on our website, how we we treat you and to explain your rights in connection with using our website and the forum posting features associated with it. If you do not agree to these Terms & Conditions then you should leave the website immediately.

We may update these Terms & Conditions and our Cookie and our Privacy Policies from time to time and when we do we will communicate any changes to you and publish the updated Policy on our website. We would encourage you to visit our website regularly to stay informed of the purposes for which we process your information and your rights to control how we process it.

Policy Contents

1. About us

1.2 This site is operated by All About Debt Limited (AAD), a Company Registered in England & Wales under No. 08825488 with it's registered offices at All About Debt Limited, Office 34 New House, 67-68 Hatton Garden, Holborn, London, EC1N 8JY (herein refereed to as 'we', 'us', 'our'). You can contact us using the following email address: hello@all-about-debt.co.uk or by completing our Secure Contact form.

2. Using our site

2.1 You may view (and, where applicable, listen to) the content available on the site for personal non-commercial use. You may occasionally print individual webpages on the site for your private non-commercial use, provided that such printing is not substantial or systematic and our trade marks and copyright and trade mark notices are not removed.

2.2 Unless otherwise stated in these Terms, you must not (whether directly or indirectly) copy, download, store, make available, distribute, sell or offer to sell all or any part of the content or site, or download or otherwise copy (whether directly or indirectly) any content, files or data from the site to make or populate a database or publication of any kind whatsoever. If you require any further information on permitted use, or a licence to re publish any part of the site (or any Content), please email us at hello@all-about-debt.co.uk.

2.3 You may only play video or audio files using the media player on our site.

2.4 If you would like a friend to read a story or watch or listen to a video or audio file on our site, please use the 'Email to a Friend' or 'Share this Article' facilities on our site, or you may email a link to our site to your friend or simply ask them to visit our site. Please ensure that you have their consent before giving us their details.

2.5 You must not use all or any part of our site or the contents on it for commercial purposes without our permission.

2.6 Users, whether or not registered, must not abuse our Report Abuse facility e.g. by making malicious reports.

3. Registration

3.1 You must be 18 years old or older to register and submit material (e.g. comments) to the site.

3.2 Only one registration per person is allowed. You must keep your registration information up to date. You may not re-register if you have previously been banned, suspended or asked to leave. You are not allowed multiple Alter Ego's (AE's).

3.3 You must choose an email address which gives you frequent access to emails sent to that address, as we need to be able to contact you. You must keep your password confidential.

3.4 You must not:

a) impersonate or try to impersonate another person;

b) disclose your password to anyone else;

c) allow anyone else use your account;

d) register multiple or AE accounts;

e) attempt to deceive our processes, security or policies regarding membership;

f) use anyone else's account.

3.5 You are responsible for everything done using your account. You are advised to read our Privacy & Cookie policies in conjunction with these Terms. If you think that someone else may have access to, or be using, your password or account, you must tell us as soon as possible by emailing hello@all-about-debt.co.uk or by completing our Secure Contact form.

4. Your content - what we are allowed to do

4.1 We may publish, check, edit or remove all or part of the comments or other material, including your name, town and country, which you submit to us ('Your Content'), at our sole discretion. We are not obliged to do any of these things and we may not.

4.2 You retain any copyright you may have in Your Content. By submitting material to us, you grant us a royalty-free, perpetual, irrevocable, non-exclusive worldwide licence to use, copy, edit, adapt, publish, translate, create derivative works from, make available, communicate and distribute Your Content (in whole or part) and/or to incorporate it in other works in any form, media, or technology now known or later developed. By submitting Your Content, you warrant that you have the right to grant this licence. The licence is capable of sub-license by us to other entities and brands in our group.

4.3 To the extent permitted by law, you waive your moral rights (e.g. the right to be identified as author or to object to derogatory treatment) in Your Content.

4.4 This clause 4 means, for example (without limitation), that we can:

a) continue to publish all or part of Your Content, including your name, town and country, even if you change your mind and want us to remove it and/or you are no longer registered with the site;

b) remove Your Content, even if you have not breached these Terms or our House Rules;

c) use all or part of Your Content in promoting our products and services (e.g. we may use a screenshot including your comments in our advertising);

d) edit your Content, which may result in a part of it being modified and displayed, including without your name. Please note that we do not check, monitor, moderate or even see all the comments and other material submitted to us. While some comments are pre-moderated (i.e. checked in advance by us before publication), some are not (see our FAQ for more details).

5. Your content - what you are not allowed to do

5.1 You must not submit any material to our site that is:

a) defamatory, malicious, threatening, false, misleading, offensive, abusive, discriminatory, harassing, blasphemous or racist, indecent, obscene or of a sexual nature;

b) a breach of confidentiality or someone's privacy;

c) could prejudice any active legal proceedings of which you are aware;

d) likely to cause someone alarm, anxiety or distress;

e) encourage violence or racial or religious hatred;

f) infringes any intellectual property rights, such as copyright and trade marks. This means generally that you must own the rights in everything you submit or must obtain permission from the rights owner to submit the material;

g) is technically harmful (including, without limitation, computer viruses, logic bombs, Trojan horses, worms, harmful components, corrupted data or other malicious software, harmful data or conduct);

h) advertises any product or services unless permission has been previously granted by the Forum site Team or Administrators;

i) impersonates anyone else or otherwise misrepresents your identity, affiliation or status;

j) is in breach of these Terms, our Privacy Policy, and/or House Rules;

k) is, encourages or teaches conduct that is a criminal offence, gives rise to civil liability, or is otherwise unlawful.

5.2 You must not include links on the site to any websites or webpages unless previously agreed by the forum Moderators or Administrators.

5.3 You must not try to get round any protections we put in place for the security and operation of the site or Forum.

5.4 You must not re-submit content which you are aware has been removed. You are responsible for the content of your posts.

6. Suspending or terminating your registration

6.1 We may suspend, terminate or prevent your registration at our sole discretion. This may be because, for example, we consider that you have breached or will breach these Terms or our House Rules or someone has reported abuse. However, we are not obliged to do these things, we generally decide action on a case-by-case basis.

6.2 Where we suspend, terminate or prevent your registration, you must not attempt to re-register or submit content (e.g. using someone else's registration), without our permission. The period of any suspension depends on all the circumstances, you will be notified by email of the suspension reason and length of time the suspension will run.

6.3 If we terminate or suspend your account then in line with your rights under the GDPR, you may request that we remove all your posts and topics or even close your account down in full utilising your 'right to be forgotten'. In such cases you will need to verify yourself and satisfy our security measures and once done, all your posts will show as 'Guest' and will have no personally identifiable information available. You will not be allowed to re-open your account if you request your account is closed or utilise your right to be forgotten.

6.4 You can read more about your rights by visiting our Privacy & Cookie policies. You can control how we process your information by setting your options on the Privacy Preferences page.

7. Third party content and links available on this forum

7.1 We are not liable or responsible for the third party content on this Forum. Third party content includes, for example, comments posted by users and the content of advertisements.

7.2 Where this Forum contains links to other sites and resources, which are provided by third parties and posters, these links and resources are provided for your information only and you access them at your own risk. We are not liable or responsible for the content of third party sites or resources.

7.3 If you see something which you reasonably believe breaches these Terms or our House Rules, please use the Report Abuse facility. If there is no facility available, please contact us on hello@all-about-debt.co.uk.

8. Your personal information

8.1 We will use your personal information in accordance with our privacy policy, which forms part of these Terms. Please read our Privacy Policy for more information.

9. Our liability

9.1 The information contained on this Forum is for information purposes only and does not constitute advice. You should check any information on the Forum and use your own judgment before doing or not doing anything on the basis of what you see. We give no warranties of any kind in relation to the Forum or its contents.

9.2 We are not liable for:

a) any action you may take as a result of relying on any information provided on this site or for any loss or damage suffered by you as a result of you taking this action;

b) any dealings you have with third parties (e.g. other users, advertisers or promoters) that take place using or facilitated by the site;

c) any liability for losses which are not a foreseeable or likely consequence of (i) your use of the site, or (ii) a breach of these Terms.

9.3 We are not responsible if you cannot access the site properly or at all because of any event outside our control, for example (without limitation) the performance of your or our ISP, your browser or the Internet.

9.4 The site relies in part on software to work. Software has bugs. Whilst we will monitor the site and try to fix bugs, we cannot guarantee that the site or any individual feature of the site will be error free, available all the time and/or free from viruses.

9.5 However, nothing in these Terms will affect any liability we may have for death or personal injury arising from our negligence or any other liability which cannot be excluded or limited by law.

10. Maintenance of the site

10.1 Making your use of the site enjoyable means we need to fix bugs, install updates and do general diagnosis and maintenance of the site. We will try to do scheduled maintenance during times when we anticipate that online use is lower than normal.

10.2 We also need to be able to do emergency maintenance and/or suspend access to the servers where, in our reasonable discretion, we see the need to do that. We will try to have the site available again as soon as we think it is safe to do so.

11. Validity of these terms

11.1 If any part or provision of these Terms is found to be unlawful or unenforceable, this shall not affect the validity of any other part or provision.

12. Jurisdiction and applicable law

12.1 These Terms are governed by English law. The English courts shall have exclusive jurisdiction over any dispute relating to these Terms.

Policy Updated: May 2018