Terms of Use

Introduction

These Terms of Use relate to the website www.curight.co.uk. We want everything we do to be clear and transparent and this starts with what you are agreeing to when you sign up with us. Please read these Terms of Use carefully - they set out the basis on how we provide our products and services to you. If you have any questions, please contact us at hello@commsave.co.uk before using our websites.

These terms should be read alongside our:

  • Our Privacy Policy – these tell you how we use the data we collect about you; and
  • Our Cookie Policy – which tells you about the cookies that we use on our website.

Please note, an up to date version of these documents will always be available on our website; www.curight.co.uk

These terms apply to all customers who create an account with us. You will be required to agree to them prior to using our services.

Who are we?

We are Commsave Credit Union Ltd (referred to as “we” or “us” or “our”).

We are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority, with firm reference number 213407.

Commsave’s registered address is 6 Duncan Close, Moulton Park, Northampton, NN3 6WL.

We are registered with the Information Commissioner’s Office, with registration number Z767042.

We are covered by the Financial Services Compensation Scheme, which guarantees the first £85,000 you have saved with us.

Our website

If you are browsing this website and are a registered member with us or an employee of one of our partner payroll deduction companies, then you may use the website for your own personal use.

We regularly review our website and will do our best to ensure that it is up to date. However, if you notice that there is content that is inaccurate please let us know at hello@commsave.co.uk

We cannot guarantee that our website, or any content on it, will always be available or be uninterrupted. We do, however, have contingency plans in place and will try and keep any down time to a minimum.

We can’t guarantee that our website will be compatible with all or any hardware and software which you may use.

You must not use the website in any way that is unlawful or fraudulent. If we suspect you are doing so we reserve the right to suspend or close your account without notice.

To obtain full access to the content on this website you are required to register an account with us. Failure to do this will mean that you will not be able to use our services.

When you register with us, please ensure you provide us with correct information in all fields. It is your responsibility to ensure your information is correct at all times.

When you register an account with us you will be required to supply a password. You should keep this private, confidential, and secure at all times. You should ensure your login details are always secure and never disclosed to anyone else. If you believe your login details have been compromised please contact us so that we can assist you.

If you give us false or inaccurate information, either directly or through an agent, and we suspect any type of fraud, we will record this and the information will be held and used in accordance with the terms of our privacy policy.

By registering an account with us, and agreeing to accept marketing emails, you agree to us sending you information about our financial wellbeing services such as notifications, articles, tips, and wellbeing tools.

Our liability to you

We do not exclude or limit in any way our liability to you where it would be unlawful to do so. This includes liability for death or personal injury caused by our negligence or the negligence of our employees, agents or subcontractors and for fraud or fraudulent misrepresentation.

We do not have any liability to you if you use this website as a business user.

If you are a consumer user:

  • please note that we only provide our site for domestic and private use.
  • you agree not to use our site for any commercial or business purposes.
  • we are only liable to you for losses which you suffer as a direct result of our breach of these terms of use. We have no liability to you for any loss of data, loss of profit, loss of business, business interruption, or loss of business opportunity if you operate a business.

Collecting your data

Our Privacy Policy sets out the reasons why we will collect your data. We recommend that you review the Privacy Policy before providing any information to us.

All of the content and material available on our website is for informational purposes only and should not be regarded as an offer, solicitation, invitation, advice or recommendation to you to buy or us to sell lending products, investments, securities or any other financial services or banking product. If you are unsure about whether our products and services are suitable for you, you should contact an independent financial adviser.

Website security

We use industry standard techniques to protect our website from viruses and attacks but cannot guarantee that our website will be free from viruses or other malicious software. We will not be liable for any loss or damage caused by a virus, distributed denial-of-service attack, or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of our website or to your downloading of any content on it, or on any website linked to it.

Your rights

You may have other rights granted by law, and these website Terms of Use do not affect these except if the two are inconsistent. If this is the case then these website Terms of Use will override any other rights which you may have, unless this is not permitted by law.

You may link to this website from another website without our consent in writing if you:

  • link only to the homepage of this website;
  • don’t create frames or any other border around the website;
  • comply with all relevant laws and regulations on the website or platform you are linking from;
  • don’t imply that we endorse or are associated with your (or any other) website, product or service, unless we have formally agreed to do this; and
  • You may not link to this website from another website which contains inappropriate or distasteful content which may reflect badly on us.

Changes we make to these terms

We may change these Terms of Use at any time. We will let you know when we do change them, usually by email. We’ll highlight the changes we make so that you can clearly see them. If you do not agree with the amended terms, you are entitled to stop using our site and services at any time.

How to make a complaint

If you have a complaint please refer to our Complaints Policy

Our intellectual property

We are the owner of our website and all of the contents published on it. This includes copyright works and trademarks, which may or not be registered.

You may print off copies of any page(s) from our website for your personal use but you must not modify any of the materials you have printed off or downloaded them in any way, and you must not use any illustrations, photographs, graphics, or video or audio sequences separately from any accompanying text except for your own use.

The content on our website is provided for information only. It is not intended to amount to advice on which you should rely. You must obtain appropriate separate advice should you need it.

Last updated: 26th March 2020