Website Terms of Use & Cookie Policy

1. About These Terms

These Website Terms of Use (“Terms”) govern your access to and use of the websites operated by Credvanta Recovery Group Limited (“Credvanta”, “we”, “us” or “our”).

By accessing or using any Credvanta website, portal or online service, you agree to be bound by these Terms. If you do not agree to these Terms, you should immediately stop using our websites and services.

These Terms apply to all visitors, Clients, prospective Clients, Debtors and other users of our websites.

2. About Credvanta

Credvanta Recovery Group Limited is a company incorporated and registered in England and Wales under company number 17251971, with its registered office at:

5 Canon Court
Institute Street
Bolton
BL1 1PZ
England

For all operational, trading and correspondence purposes, Credvanta conducts business from:
Credvanta Recovery Group Limited
Suite 2/3
48 West George Street
Glasgow
G2 1BP

Telephone: 0800 975 7066
Email: Legal@credvanta.co.uk

3. Use of Our Website

You agree to use our websites only for lawful purposes.

You must not:

• use our websites in any way that breaches applicable law;
• knowingly transmit malicious software, viruses or harmful code;
• attempt to gain unauthorised access to our systems;
• interfere with the operation or security of our websites;
• attempt to circumvent security measures;
• copy, reproduce or exploit website content without permission;
• submit false, misleading or fraudulent information;
• misuse online payment facilities or online forms; or
• use our websites in any manner which may damage Credvanta’s reputation or business.

Credvanta reserves the right to suspend or restrict access where misuse is suspected.

4. No Professional Advice

Nothing published on this website constitutes:

• legal advice;
• financial advice;
• tax advice;
• accounting advice;
• regulated debt advice;
• debt counselling;
• debt adjusting;
• insolvency advice; or
• any other professional advice.

Information made available through this website is provided for general informational purposes only and should not be relied upon as a substitute for obtaining independent professional advice appropriate to your circumstances.

5. Commercial Debt Recovery Services

Credvanta provides commercial business-to-business (B2B) debt recovery services only.

Credvanta does not undertake consumer debt recovery.

Credvanta does not undertake any regulated activity.

Credvanta is not authorised or regulated by the Financial Conduct Authority (FCA).

Credvanta’s payment collection, reconciliation and settlement arrangements form an integral part of its commercial debt recovery service and are undertaken solely under the contractual authority granted by its Clients.

On the basis of Credvanta’s business model and the services it provides, Credvanta does not consider its activities to constitute regulated payment services under the Payment Services Regulations 2017.

Nothing published on this website should be interpreted as an offer to provide:

• regulated financial services;
• payment services;
• consumer credit services;
• debt counselling;
• debt adjusting;
• legal services;
• insolvency services; or
• any other regulated activity.

6. Online Services

Our websites may provide access to online services including:

• Client onboarding;
• Invoice submission;
• Online payment facilities;
• Debt dispute submission;
• Proof of payment uploads;
• Callback requests;
• Contact forms;
• Secure client portals; and
• Other online services made available from time to time.

You are responsible for ensuring that any information you submit is accurate, complete and up to date.

Where this website provides access to client portals, debtor payment facilities, dispute forms, proof of payment uploads or other online services, additional terms, conditions or policies may apply to those specific services and shall be read together with these Website Terms of Use.

7. Intellectual Property

Unless otherwise stated, all content published on our websites including text, graphics, logos, branding, icons, documents, software, databases, website design, source code, downloadable materials and other content, is owned by or licensed to Credvanta and is protected by intellectual property laws.

You may not copy, reproduce, distribute, modify, publish or commercially exploit any website content without Credvanta’s prior written permission.

8. Payment Facilities

Where authorised by a Creditor, this website may provide facilities enabling Debtors to make payments to Credvanta.

Credvanta receives and administers payments solely in its capacity as the Creditor’s authorised commercial debt recovery and collection agent.

Payment made to Credvanta constitutes payment made to the Creditor to the extent of the amount received by Credvanta on the Creditor’s behalf.

Recovered monies are administered through Credvanta’s Client Money Account and are reconciled and settled in accordance with Credvanta’s contractual arrangements with its Clients.

Use of any payment facility made available through this website does not create any contractual relationship between the Debtor and Credvanta beyond the administration of the payment.

Credvanta reserves the right to suspend, refuse or reverse any transaction where reasonably necessary for fraud prevention, compliance, payment security, operational reasons or where required by law.

9. Limitation of Liability

Whilst Credvanta endeavours to ensure that the information published on its websites is accurate and up to date, no warranty or representation is given that all information will always be complete, accurate or free from error.

To the fullest extent permitted by law, Credvanta excludes liability for any direct, indirect, incidental or consequential loss arising from:

• use of, or inability to use, our websites;
• reliance upon website content;
• interruption of website availability;
• technical failures;
• malware or cyber incidents beyond our reasonable control;
• unauthorised access to systems; or
• third-party websites or services linked from our websites.

Nothing within these Terms excludes or limits liability for fraud, fraudulent misrepresentation, death or personal injury caused by negligence, or any liability which cannot lawfully be excluded.

10. Privacy

Use of this website is also governed by Credvanta’s:

• Data Protection & Privacy Policy;
• Debtor Privacy Notice;
• Cookie Policy; and
• Any other applicable privacy notices published by Credvanta.

By using our websites, you acknowledge that personal information may be processed in accordance with those policies.

11. Governing Law

These Website Terms of Use shall be governed by and construed in accordance with the laws of England and Wales.

Any dispute arising from or relating to these Terms or the use of our websites shall be subject to the exclusive jurisdiction of the courts of England and Wales, except where mandatory law provides otherwise.

If any provision of these Terms is held to be unlawful, invalid or unenforceable, the remaining provisions shall continue in full force and effect.

Credvanta reserves the right to amend these Website Terms of Use at any time. The latest version will be published on our website, and continued use of the website following publication of updated Terms shall constitute acceptance of those revised Terms to the extent permitted by law.

1. Introduction

This Cookie Policy explains how Credvanta Recovery Group Limited (“Credvanta”, “we”, “us” or “our”) uses cookies and similar technologies when you visit our websites, online portals and digital services.

This Policy should be read together with our:

• Website Terms of Use;
• Data Protection & Privacy Policy;
• Debtor Privacy Notice; and
• Any other applicable privacy notices published by Credvanta.

By continuing to use our websites, you acknowledge that cookies may be used in accordance with this Policy and any cookie preferences you have selected.

2. What Are Cookies?

Cookies are small text files placed on your computer, mobile phone or other device when you visit a website.

Cookies allow websites to:

• Remember your preferences;
• Improve website functionality;
• Enhance security;
• Analyse website usage;
• Maintain user sessions;
• Prevent fraud;
• Support online forms and secure portals; and
• Improve the overall user experience.

Cookies do not normally identify you directly but may identify your browser or device when combined with other information.

3. Types of Cookies We Use

Credvanta may use the following categories of cookies.

Strictly Necessary Cookies

These cookies are essential for the operation of our websites and cannot normally be disabled. They may be used to:

• Maintain secure login sessions;
• Protect website security;
• Prevent fraud;
• Support online payment facilities;
• Support client and debtor portals;
• Remember cookie preferences;
• Enable secure form submissions; and
• Maintain website functionality.

Without these cookies, certain areas of our websites may not function correctly.

Performance & Analytics Cookies

These cookies help us understand how visitors use our websites. They may collect information such as:

• Pages visited;
• Time spent on pages;
• Navigation paths;
• Device information;
• Browser information;
• General location information;
• Website performance; and
• Error reports.

This information helps us improve our websites and services. Where required by law, these cookies will only be used with your consent.

Functionality Cookies

These cookies remember choices you make such as:

• Language preferences;
• Form information;
• User preferences;
• Portal settings; and
• Accessibility settings.

They improve your experience but are not normally essential.

Marketing Cookies

Where used, marketing cookies may assist with:

• Measuring advertising performance;
• Understanding website traffic sources;
• Delivering relevant advertising;
• Monitoring marketing campaigns; and
• Improving our marketing activity.

Marketing cookies will only be used where you have provided the necessary consent.

4. Third-Party Cookies

Our websites may use cookies provided by carefully selected third-party service providers, including services relating to:

• Google Analytics;
• Google Ads;
• Google Tag Manager;
• Google reCAPTCHA;
• Microsoft services;
• Meta Pixel;
• LinkedIn Insight Tag;
• Cloudflare;
• Live chat providers;
• Payment processors where online payment facilities are used; and
• Other providers necessary for the secure operation of our websites.

The cookies used by these providers are subject to the privacy policies of those respective organisations.

5. Managing Your Cookie Preferences

Most web browsers allow you to:

• View cookies;
• Delete cookies;
• Block cookies;
• Restrict cookies; or
• Configure cookie preferences.

You may also manage your preferences through our cookie consent banner where available.

Please note that disabling certain cookies may affect the functionality, security or performance of our websites, including secure client portals, debtor payment facilities and online forms.

Further information about managing cookies is available through your browser provider.

6. Changes to This Cookie Policy

Credvanta may amend this Cookie Policy from time to time to reflect:

• Changes in legislation;
• Regulatory guidance;
• Technology;
• Website functionality;
• Security requirements;
• Business operations; or
• Industry best practice.

The latest version will always be published on our website.

Continued use of our websites following publication of an updated Cookie Policy constitutes acknowledgement of the revised Policy to the extent permitted by applicable law.

7. Contact

If you have any questions regarding this Cookie Policy or how Credvanta uses cookies, please contact:

Legal Department
Credvanta Recovery Group Limited
Suite 2/3
48 West George Street
Glasgow
G2 1BP

Email: Legal@credvanta.co.uk
Telephone: 0800 975 7066

For further information about how Credvanta processes personal information, please refer to our Data Protection & Privacy Policy and Debtor Privacy Notice.