Our Policies

These terms and conditions are for the customer website accessed through www.cabotfinancial.co.uk for Cabot Financial (Europe) Limited (referred to as "Cabot/we/our/us"), full company details appear at the end of these terms and conditions. As a user of this website (referred to as "you/your") you acknowledge that any use of this website is subject to these terms and conditions (which also includes the Privacy Policy). Please:

• read through these terms and conditions carefully before using this website
• also read our Privacy Policy section for information as to how we record and use your personal information.

1. General 

1.1 You acknowledge that if your use of this website is for business purposes then your use is in the course of your employment and you are using this website with the permission of your employer or entity/organisation that you represent as such use by you will bind the employer/organisation on whose behalf you are making such use, to the prevailing terms and conditions. If you do not have permission from your employer or entity/organisation then you must not access or use this website. Accordingly, 'you/your' shall also include your employer or entity/organisation. 

1.2 We reserve the right to change these terms and conditions at any time. Any such changes will take effect when posted on the website and it is your responsibility to read the terms and conditions on each occasion you use this website and your continued use of the website shall signify your acceptance to be bound by the latest terms and conditions. 

1.3 When you use any services on this website, please also read any additional information provided on the relevant web pages as this information will provide you with important information, full details on how to use such services and other legal information. 

2. Intellectual Property 

2.1 You acknowledge and agree that all copyright, trademarks and all other intellectual property rights in all materials, marks and/or content made available as part of your use of this website shall remain at all times vested in us or our licensors. You are permitted to use this material only as expressly authorised by us or our licensors. You further acknowledge that any other use of the material and content of this website is strictly prohibited and you agree not to (and agree not to assist or facilitate any third party to), in any way, copy, reproduce, transmit, publish, display, distribute, commercially exploit or create derivative works of such material and content whatsoever without our prior written approval. 

3. Liability and Indemnity 

3.1 Cabot will use reasonable endeavours to verify the accuracy of any information on the site but makes no representation or warranty of any kind, express or implied statutory or otherwise, regarding the contents or availability of the site or that it will be timely or error-free, that defects will be corrected, or that the site or the server that makes it available are free of viruses, bugs or Trojans of any kind or represents the full functionality, accuracy, reliability of the website. Cabot will not be responsible or liable to you for any loss of content or material uploaded or transmitted through the website and Cabot accepts no liability of any kind for any loss and/or damage from action taken or taken in reliance on material or information contained on the site. 

3.2 Other than as expressly provided in these terms and conditions, any indemnities, warranties, terms and conditions (whether express or implied) are hereby excluded to the fullest extent permitted under applicable law. 

3.3 Cabot will not be liable, in contract, tort (including, without limitation, negligence), pre-contract or other representations (other than fraudulent on negligent misrepresentations) or otherwise out of or in connection with the terms and conditions or the use of this website for any: economic losses (including without limitation loss of revenues, data, profits, contracts, business or anticipated savings); or loss of goodwill or reputation; consequential, special or indirect losses suffered or incurred by that party arising out of or in connection with the provisions of any matter under these terms and conditions. 

3.4 We will take all reasonable measures to safeguard any details submitted using the secure website, but we cannot be held liable for any loss and/or damage caused whatsoever as a result of unauthorised access to information provided by you or your recklessly, negligently or otherwise divulging any information to an unauthorised 3rd party 

4. Miscellaneous Provisions 

4.1 These terms and conditions form the whole agreement between you and us for your access to and use of this website and shall be governed by the laws of England and any dispute between us will be resolved exclusively in the courts of England. 

4.2 Cabot shall be under no liability for any delay or failure to otherwise perform any obligation as specified in these terms and conditions if the same is wholly or partly caused whether directly or indirectly by circumstances beyond its reasonable control. 

4.3 We may provide links to other websites or resources for you to access at your sole discretion. You acknowledge and agree that by you accessing any linked website, we are not responsible for the availability of such external sites or resources, and do not review or endorse and are not responsible or liable, directly or indirectly, for (i) the privacy practices of such websites, (ii) the content of such websites, including, without limitation, any advertising, content, products, goods or other materials or services on or available from such websites or resources or (iii) the use to which others make of these websites or resources, nor for any damage, loss or offence caused or alleged to be caused by, or in connection with, the use of or reliance on any such advertising, content, products, goods or other materials or services available on such external websites or resources. 

4.4 You may not assign or sub-contract any of your rights or obligations under these terms and conditions to any third party or whatsoever unless agreed upon in writing by Cabot. 

4.5 Cabot reserves the right to transfer, assign, novate or sub-contract the benefit of the whole or part of any of its rights or obligations under these terms and conditions and/or any other terms and conditions to any third party and/or any person or legal entity within the Group and "Group" shall mean Cabot Financial Group and its associated Companies. 

4.6 If any portion of these terms and conditions is held by any competent authority to be invalid or unenforceable in whole or in part, the validity or enforceability of the other sections of these terms and conditions shall not be affected. 

4.7 These terms and conditions do not create or confer any rights or benefits enforceable by any person that is not a party (within the meaning of the U.K. Contracts (Rights of Third Parties) Act 1999). 

4.8 No delay or failure by Cabot to exercise any powers, rights or remedies under these terms and conditions will operate as a waiver of them nor will any single or partial exercise of any such powers, rights or remedies preclude any other or further exercise of them. Any waiver to be effective must be in writing and signed by an authorised representative of Cabot. 

4.9 These terms and conditions including the documents or other sources referred to in these terms and conditions supersede all prior representations understandings and agreements between you and Cabot relating to the use of this website and sets forth the entire agreement and understanding between you and Cabot for your use of this website. This Cabot website (www.cabotfinancial.co.uk) is operated by the Cabot Financial Group. Cabot Financial (Europe) Limited, part of the Cabot Credit Management Group, is authorised and regulated by the Financial Conduct Authority.

4.10 In line with the Payment Services Directive 2 2017 (PSD2) legislation, we are responsible for ensuring your card payment details are protected. We have implemented administrative, technical, and organisational procedures to protect card information that is stored in our servers from unauthorised access, accidental loss, modification, or disclosure to help tackle the rising levels of online fraud.

PSD2 introduces the use of Strong Customer Authentication (SCA) and 3D Secure 2 (3DS v2). SCA aims to make online payments more secure through two factor authentication, to help confirm your identity when using your card details online. Our services require you to go through two factor authentication when signing into our website and app through the use of a password, phone, or email code confirmation, and/or fingerprint or voice pattern. There are some payment types that are exempt for SCA which include:

• low-value transactions (below €50 or £45 in the UK)
• recurring transactions (Direct Debits or regular card payments or subscriptions for the same amount and payee). These will require SCA for initial set up and subsequent amendments
• contactless transactions under €50 (or £45 in the UK)
• unattended terminals (e.g. parking meters or public transport) 
• whitelisting – customers can ‘whitelist’ merchants as ‘trusted beneficiaries’ and won’t need to authenticate with them once an initial check is completed. Issuers can still reject requests where they believe there is a high-risk of fraud
• Transaction Risk Analysis (TRA) – this may apply if a transaction is low-risk

3DS v2 will also help support two factor authentication under PSD2 and was rolled out in response to these regulatory requirements. 3DS v2 is an authentication protocol through a rich data exchange and can be triggered by your card merchant/issuing bank after you have entered your card details. To verify your identity, your card provider will aim to authenticate the payment through a one-time password (OTP) or using biometrics, such as a fingerprint.

When making a payment on our website, you can choose to save your card details for a smoother journey the next time you choose to pay online, if you are logged in. These stored credentials can always be removed whenever you wish through the payment options page after you log in to your customer account.

Cabot Financial (Europe) Limited is a company registered in England and Wales with registered address 1 Kings Hill Avenue, Kings Hill, West Malling, Kent, ME19 4UA. Registered Number 03439445

CTC001 v3.0 12.10

Please read our Privacy Policy carefully before using this website ("the Website”).References. Any references to “we”, “us”, “Cabot” or "Group" means Cabot Credit Management Group Limited. It is also important that you read the Terms and Conditions which govern your use of the Website.

Cabot Credit Management Group Limited is the data controller of your data. You have the right to access the information we hold about you or raise any complaints about how we are processing your personal information. Any requests or complaints must be made in writing to the Data Protection Officer, Cabot Credit Management Group Limited, 1 Kings Hill Avenue, Kings Hill, West Malling, Kent, ME19 4UA. We are allowed to charge a fee of £10 for any requests for information and may request evidence about your identity (for example, a copy of your current passport or driving licence). Please never send us original passport or driving licences.

Cabot takes privacy very seriously. The following privacy statement sets out, in relation to the Website and/or your account(s), what sort of information we collect and hold about you, how that information is collected, how we use that information and how that information can be corrected and/or updated.

If you have any questions about this privacy statement please contact [email protected] in the first instance.

How we use your personal information

Cabot collects information on the Website, which you provide to us and we obtain from third parties when your details are passed on to us. We collect, for example, personal information to allow you to use the Website or use the specific online service provided and this will depend on which services you access and use. Typically, we may collect, but is not limited to, the following information about you:

• Any information, including personal information you submit via the Website; 

• Any information in relation to an account that is processed or serviced via the Website;

Some personal information is also gathered when you register to use the site and/or use the online services provided.

Your information is stored securely on our database for as long as it is necessary in order to:

• Provide access to the Website services 

• Supply the service that we provide to you; 

• Understand, evaluate and improve our services; 

• Monitor your usage of the website, which may include, but not limited to, how many times you visit the Website, your behavioural patterns, which pages you go to, traffic data, location data and the originating domain name of a user’s internet service provider; 

• Undertake statistical analysis

Our use and collection of your personal information is to administer your account(s), including the performing of debt administration and collection services, providing your personal information to 3rd parties or our agents to a) to trace your whereabouts, or b) perform debt collection services, or we may send your personal information to your 3rd party representative who you have appointed. Sometimes we need to give information to our subcontractors so that they can provide a particular service for us. We may also use or pass your personal information to companies inside and outside our Group where we sell any part of our business or assign any part of our rights and/or duties or dispose of any rights relating to you. Where we do this, we will ensure that the third party has adequate measures in place to continue to protect your rights. We may also disclose information if we believe we have a legal or regulatory duty to do so.

Credit Reference Agencies

We may provide details to the Credit Reference Agencies with regular information about you and any financial associate if you have one, for example, a person with whom you have, or have had, joint personal financial arrangements such as joint accounts or have made joint credit applications. We may also provide details to the Credit Reference Agencies with regular information about your account, or the behaviour of your account. Other lenders may use this to make decisions on future applications for credit or for the purpose of tracing debtors. We may also obtain information from Credit Reference Agencies to trace customers and to prevent money laundering and/or fraud. We may also search public records, such as the Electoral Roll, that are available from Credit Reference Agencies to help us verify your identity or determine your financial status. We will also obtain information about you from the agency to help make decisions about you, your account and the behaviour of your account. You can ask the Credit Reference Agencies, details below, for a copy of your credit file – they may charge a fee for this service. If there is anything incorrect on your credit file, you can ask them to add a Notice of Correction.

Experian Limited

Customer Support Centre

PO Box 8000

Nottingham NG80 7WF

Tel 0800 013 88 88

www.experian.co.uk

Equifax Limited

Customer Service Centre

PO Box 10036

Leicester LE3 4FS

Tel 0800 014 2955

www.equifax.co.uk

Callcredit Limited

Consumer Services

PO Box 491

Leeds LS3 1WZ

Tel 0330 024 7574

www.callcredit.co.uk

Communications with us and our responsibility for customer confidentiality

Your preferences on how we communicate with you are very important to us. We may obtain or record details of your telephone numbers and email addresses you contact us from or provide to us and these may be recorded as your preferred method of contact, unless you tell us otherwise, in order for us or any 3rd parties to communicate with you in relation to your accounts. If you send us an email, remember that it may be “insecure” and could be intercepted. If you do send us an email, please keep the amount of confidential personal information to a minimum. We will do likewise. We will not give your contact details to any 3rd parties which are not authorised or recognised by us. We may record phone conversations to offer you and ourselves additional security, to resolve complaints, to ensure we comply with our regulatory obligations and in order to improve our quality and service standards. Conversations may also be monitored for training purposes. Our employees are responsible for maintaining customer confidentiality. We regularly provide education to and test the competence of our staff about their obligations. We may also be required to obtain sensitive personal details in relation to you or your circumstances. Where we do so, we will always obtain your consent to record such information and treat such information in confidence and in accordance with all data protection principles.

Our Customer Service Promise

We aim to deal with each customer with empathy and respect, and strive to be the best at what we do. We have dedicated systems, controls and procedures to provide each customer with fair treatment and positive outcomes. We also wish to continually improve how we interact with you and sometimes we may ask you to participate in surveys. We may also pass limited information about you to 3rd parties for the purposes of customer insights, however, we will ensure that your information is not used for any other purposes. Where you have expressed that you do not wish to participate nor have your details sent to a 3rd party for such purposes, we will respect your wishes.

Financial Crime Prevention

We have systems that protect our customers and ourselves against fraud and other crime, including money laundering. Customer Information can be used to prevent crime and trace those responsible. As part of our ongoing monitoring of the account and to service your account, by law we have to confirm your name, address and other details which may required to identify you. This means your details may be shared between the Cabot Financial Group of Companies for anti-money laundering and fraud prevention purposes. Some Acts of Parliament oblige us to disclose customer information to certain bodies with statutory powers.

Use of cookies When you log in to the secure area of the Website to access your account(s), we will require to place a cookie to keep you logged into the secure account area. This will be in the form of a random alpha-numeric string that is generated and sent from our server to your computer to identify the current interaction session. The purpose of this cookie is to enable you to remain logged-in to the website for the duration of your Internet browser session and removes the need for you to input your log in details each time you browse to a new page. When you close your Internet browser, the cookie will be automatically removed This cookie only contains your User ID, which is a database reference and does not contain any other personal data. By logging in to our secure area, you consent for us to place a cookie on your computer. We also use cookies for the following reasons: • Google Analytics, such as analysing the traffic to the Website and to speed up access to the website

We will ask you on the homepage whether you want us to place a cookie on your computer for the above reasons. You should also know that the vast majority of web browsers accept cookies. However, you can manually change your browser settings so that cookies are not accepted. If you do this, you may lose some of the functionality of this website, including the use of the secure area of the Website. For further information about cookies and how to disable them please go to: aboutcookies.org. Protecting your personal information

Your access to the Website is password-protected so that only you have access to any personal information, you have provided and/or we have obtained.

We strongly recommend that you do not divulge your password to anyone. We will never ask you your password in an unsolicited phone call or in an unsolicited email.

When you use the online secure area your information is encrypted whilst it is being transferred over the Internet. We have appropriate technological and operational procedures in place to protect your information from any loss, misuse, alteration or destruction and all persons within the Group are subject to strict obligations of confidentiality. We endeavour to take all reasonable steps to ensure your personal information is protected. To help protect your personal data and minimise the risk of it being intercepted by third parties, we offer the use of a secure server and use industry standard encryption when you submit information through the Website. However we cannot guarantee the security or the integrity of information which you send online. In particular you should not use email to send confidential or sensitive information. Links to other websites We may provide links to other websites or resources for you to access at your sole discretion. You acknowledge and agree that by you accessing any linked website, we are not responsible for the availability of such external sites or resources, and do not review or endorse and are not responsible or liable, directly or indirectly, for (i) the privacy practices of such websites, (ii) the content of such websites, including, without limitation, any advertising, content, products, goods or other materials or services on or available from such websites or resources or (ii) the use to which others make of these websites or resources, nor for any damage, loss or offence caused or alleged to be caused by, or in connection with, the use of or reliance on any such advertising, content, products, goods, or other materials or services available on such external websites or resources. However, we strongly encourage you to read the privacy statements of these linked sites, as their Privacy Policy may differ from ours. How long will we store and keep information? We will not keep your information for longer than is necessary for the purposes outlined in this Privacy Policy. Should you require more information, please write to us in writing to the address detailed at the outset of this Policy.

Transfer of your data outside the European Economic Area

We may sometimes provide your information to 3rd parties who provide us with a particular service, for the purposes outlined in this notice, and that information may be transferred outside the European Economic Area (EEA). Where any such transfer of data takes place outside the EEA, we will ensure the 3rd party and ourselves have appropriate technical and organisational safeguards in place to ensure compliance with data protection and security principles. For these purposes, we will only use reputable and reliable 3rd parties who are regularly audited by us. We will keep any transfer of information outside the EEA to a minimum

Cabot Credit Management Limited is a company registered in England and Wales.

Registered Address: 1 Kings Hill Avenue, Kings Hill, West Malling, ME19 4UA. Company No. 5754978.

Cabot Financial (Europe) Limited is an appointed representative of Cabot Credit Management Group Limited authorised and regulated by the Financial Conduct Authority with firm reference number 677910.​

When you connect to this website all information that is passed between your web browser and our web server is encrypted.

The data that you submit from the web browser is encoded using a session key, which means that anyone trying to intercept the information on the Internet will not be able to read it. This also happens when the web server sends information back to you.

This process uses a standard system called Secure Sockets Layer (SSL). Cabot Financial use the latest version of this technology (128-bit encryption), which is the most secure commercially available today. This is why you should use a recent version of Internet Explorer or Netscape to access our website.

Your password is held securely in our database and will only be emailed to you when you register or if you successfully answer your security question.

It is very important that you keep your password safe! If you think that it has been compromised in any way, please telephone us on 0344 556 0263.​

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