Dated: 11 July 2016
References to "we", "us" and "our" in these Terms and Conditions are to Experian Limited. References to "you" or "your" in these Terms and Conditions are to you as a user of the Websites and Services.
“MSE” means MoneySavingExpert.com Limited;
“Credit Report Services” means the services which include the supply to an individual of Experian’s credit report for that individual or information from the individual’s credit report. The Services are further described on the Website and are provided as a component part of the MSE Credit Club.
“Credit Score Services” means the services which include the supply to an individual of Experian’s credit score for that individual, Score Trending (if applicable), and credit score guidance. The Services are further described on the Website and are provided as a component part of the MSE Credit Club.
“FCA” means the financial services regulatory body known as The Financial Conduct Authority of 25 The North Colonnade, Canary Wharf, London, E14 5HS. The FCA can be contacted at www.fca.org.uk.
“FSMA” means the Financial Services and Markets Act 2000, as amended from time to time, including any conduct of business rules developed by the FCA pursuant such legislation
“Identity Checking Service” means the Experian identity checking service that we make available to you from the Website from time to time and any replacement website we may use from time to time
“MSE Credit Club” means the personalised tool offered by MSE which provides you with an Experian Credit Score, affordability rating for different types of credit and a Credit Hit Rate - how many of the top loans and cards you will actually get. It also gives tips on how you can boost your credit score
"Our Material" means content, data and materials (including but not limited to information, reports, reviews, comment and opinion) delivered to you as part of the Services (whether on a computer screen, in email or paper format) or contained in the Websites, including the website design, text and graphics, and their selection and arrangement, and all software compilations, underlying source code and software and applets.
“Score Trending” means an element of the Credit Score Services which generates a graphical display of changes in your personal credit score over time.
“"Services"“ means the Identity Checking Services, Credit Score Services and if applicable, the Credit Report Services and other facilities that we may make available to you on the Websites from time to time and "Service" shall be interpreted accordingly.
“Terms and Conditions” means the terms and conditions set out here.
“Website” means the MSE Credit Club website or application operated by MSE through which Experian provide the Services and any replacement website or application used from time to time and which you can access by signing up at www.moneysavingexpert.com/creditclub (or such other URL as may be used from time to time).
"Your Data" means information and data provided to us on or in connection with the Websites and/or Services, which may from time to time include Personal Data as defined by the Data Protection Act 1998 (as amended).