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Experian General Terms and Conditions for website services

Last Modified

Version: [1.4]
Dated: 16th July 2012

Contents list

1. Definitions

2. About us

3. Important information about these Terms and Conditions

4. Our Services

5. Registration and log-in details

6. Pricing and payment

7. Trials and Redemption Codes

8. Use of the Websites and Our Material

9. Privacy of Your Data

10. Warranties and Disclaimers

11. Our liability to you

12. Ending the Services

13. Third Party Websites and Content

14. Complaints

15. Changes to these Terms and Conditions

16. Other important information

1. Definitions

   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.
   "FSA" means the financial services regulatory body known as The Financial Services Authority of 25 The North Colonnade, Canary Wharf, London, E14 5HS. The FSA can be contacted at www.fsa.gov.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 FSA pursuant such legislation.
   "Our Material" means content, data, Redemption Codes and materials (including 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.
   "Redemption Code" means a code that we, one of our partners or another third party has given to you to enable your access to the Services for a limited period as part of a membership package that you are eligible for.
   "Services" means the services and facilities that we make available to you on the Websites and/or via an authorised Third Party Website from time to time and "Service" shall be interpreted accordingly. "Terms and Conditions" means the terms and conditions set out here and the te

   "Third Party Content" means content and material (including information, reviews, comment and opinion) belonging to a third party provider of products and/or services. "Third Party Website" means the website of a third party which is linked to or from the Websites or on frames within the Websites. This includes, for example, the websites of our selected third party partners who we authorise from time to time to make available access to certain of our Services from those websites.
   "Trial" means an arrangement whereby we allow you to use a Service for a limited period either on a free-of-charge or discounted basis.
   "Websites" means our websites listed in the section headed "Important information about these Terms and Conditions" below, and any replacement website(s) we may use from time to time. "Website" shall have the meaning given in the terms and conditions specific to the Service you receive.
   "Your Data" means information and data you have 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).

2. About us

   2.1	We are Experian Limited, a company registered in England and Wales at Companies House with company number 00653331. Our registered office is at Landmark House, Experian Way, NG2 Business Park, Nottingham NG80 1ZZ, United Kingdom. Our VAT registration number is GB 887 1335 93.
   2.2	Experian Limited is an appointed representative of Motorfile Limited (registered number 03009493), which is authorised and regulated by the Financial Services Authority to carry out the regulated activities of advising, arranging, dealing as agent and assisting in the management and administration of contracts of insurance. Motorfile Limited's Financial Services Authority Register Number is 313967.
   2.3	We and Motorfile Limited are members of the Experian group of companies - for further information see www.experiangroup.com.
   2.4	For general enquiries not related to a particular Service you can contact us. Our contact details for enquiries about each of our Services are as set out on the relevant Website.

3. Important information about these Terms and Conditions

   3.1	These Terms and Conditions relate to your use of the following websites and the Services we make available on those Websites: Experian CreditExpert - www.creditexpert.co.uk Experian ProtectMyID - www.protectmyid.co.uk Experian Autocheck - www.autocheck.co.uk Experian LowerMyBills - www.lowermybills.co.uk Experian PropertyCheck - www.propertycheck.co.uk
   3.2	The terms for specific Services also form part of these Terms and Conditions. Our contract with you for a particular Service you receive is governed by the terms set out here (i.e. Clauses 1 to, and including, 16) and the terms specific to that particular Service.
   3.3	We intend to rely on these Terms and Conditions and it is our intention that you will be legally bound by them when you use our Websites and Services. For your own benefit and protection you should read these Terms and Conditions carefully before using them. IN PARTICULAR YOUR ATTENTION IS DRAWN TO THE SECTIONS ON "OUR LIABILITY TO YOU" AND OUR "WARRANTIES AND DISCLAIMERS". If you do not understand any point please contact us.
   3.4	We advise you to print these Terms and Conditions and keep a copy for your future reference.
   3.5	You may have other consumer rights granted by law and these Terms and Conditions do not affect such rights.

4. Our Services

   4.1	Each of our Services is as described on the relevant Website and/or, where you access our Services via an authorised Third Party Website, as described on the relevant Third Party Website.
   4.2	Please remember that these Terms and Conditions apply to any Services you request on or are provided to you from the Websites which includes trial Services, free Services and those for which we make a charge.
   4.3	For services provided by third parties, separate terms and conditions may apply.
   4.4	When you request a Service a binding legal contract is formed between us and you on the earlier to occur of:
   4.4.1	when we receive your payment; and
   4.4.2	when we make the Service available.
   4.5	If you make a mistake when requesting a Service please contact us as soon as possible so we can try to correct the error.

5. Registration, log-in details and PIN

   5.1	To be able to use some of the Services you will need to register on the Website and log-in using your unique log-in details supplied as part of the registration process (e.g. username, password). You are responsible for keeping your log-in details confidential and they should not be shared.
   5.2	You should contact us as soon as possible if you believe that anyone has obtained your log-in details without your permission or if you become aware of any other breach of security on the Websites. We will not be responsible to you if there is unauthorised access to your log-in details or unauthorised activity on the Websites as a result of your log-in details becoming known by someone else, unless this is due to our negligence.
   5.3	If we issue you with a PIN number as part of the registration process, the PIN will be sent to the address you provided at the time of your application and which you stated was your current address or we may provide it to you over the telephone. If we post the PIN to you we will send you an e-mail advising you that we have done so. If you have not received the PIN within 5 working days (or such other period as we may refer to in the e-mail) you should contact us. You will not be able to access a log in area on the Websites until you enter this PIN number along with your other log-in details.

6. Pricing and payment

   6.1	The prices on the Websites are checked regularly to ensure that they are correct. We may change the prices from time to time. If you are a subscriber to a subscription Service, we will notify you in advance of any price changes that will affect your future payments by e-mail or by posting a notice on the relevant Website and we advise you to regularly check the Websites for any such notices.
   6.2	The prices for Services indicated on our Websites include all taxes, including VAT, which may be payable in respect of the Services. All payments taken will be in pounds Sterling.
   6.3	Certain payments for Services must be made in advance by credit or debit card using the payment facilities on the Websites.
   6.4	For subscription Services, unless you are paying or have paid for the Services through one of our authorised third party partners, payments must be made by credit or debit card using the payment facilities on the Websites. By giving us your payment details you agree that we have continuing authority to take subscription payments from your payment card until you or we end the Services. We may stop providing the Services without notice to you if at any time we are unable to obtain payment using the details you provided.
   6.5	The credit or debit cards we accept for payment are shown on the Websites.
   6.6	It is your responsibility to ensure that all payment details you provide are correct and complete. We are not responsible for supplying Services if the details you submit are incorrect or incomplete.
   6.7	No payment will be deemed to have been made until we have cleared funds and we may choose not provide Services until we receive payment in full. If we are unable to accept your request for Services for any reason then we will, at our option, either not debit your payment card or refund any money paid by you in respect of that request.
   6.8	We are not responsible for any overdraft or "over the limit" charges of bank fees if your payment card account or facility contains insufficient credit or funds when we take payment for the Services.
   6.9	Please note we may receive commission and fees from certain third parties who advertise on or are linked to the Websites or as a result of you having purchased products and/or services. All such commission and fees shall be retained in full by us.
   6.10	In the event that you proceed to purchase a product or service from a third party, the charges and payment terms will be subject to that third party's relevant terms and conditions.
   6.11	Where you access our Services via an authorised Third Party Website, your payments may be taken by the Third Party Website operator on our behalf using the payment facilities on the Third Party Website.

7. Trials and Redemption Codes

   General

   7.1	Trials and Redemption Codes are made available at our discretion and may not be available for all Services.
   7.2	Depending on the type of Trial or Redemption Code, some aspects of the relevant Service may not be fully available to you or may require you to pay to use them. Please refer to the documentation provided to you about your Trial or Redemption Code, or if none has been provided, the relevant Website for further details.

   Trials

   7.3	You cannot use the Services on a Trial basis if you are applying to use the Services under a Redemption Code.
   7.4	If you use a Service on a Trial basis, additional usage conditions may apply depending on the type of Trial. We will inform you of any such additional conditions before you begin the Trial and we will confirm those additional conditions to you in writing by email.
   7.5	The length of your Trial period will be confirmed to you when you register for the Trial. We will also send you an email confirming your registration and the length of your Trial period.
   7.6	You can cancel the Trial at any time during the Trial period. For free Trials, you will not be entitled to any refund or credit from us. For Trials charged at a discount, please refer to the specific service terms for details of what refunds may be payable.
   7.7	If you do not cancel at the end of your Trial period and if you receive a subscription service, then your access to the Services will automatically continue on a subscription basis and you will be charged the applicable subscription charges for the Service

   Redemption Codes

   7.8	Details of what Services are covered by your Redemption Code are set out on the relevant Website. The period covered by your Redemption Code will be stated on the Redemption Code itself or notified to you when you receive the Redemption Code.
   7.9	If you use a Service under a Redemption Code, additional usage conditions may apply depending on the type of Redemption Code. We will inform you of any such additional conditions required by us when you receive the Redemption Code. However, if you received the Redemption Code from one of our partners or a third party, you should check whether they have any additional conditions that will apply to you.
   7.10	To use a Service under a Redemption Code, you must submit it during the registration process and you will need to prove your entitlement to the Redemption Code. We will send you an email confirming your registration.
   7.11	Redemption Codes cannot be exchanged for cash or used to pay for any other services that we or our group companies provide.
   7.12	Unless we give our written permission, Redemption Codes can only be used once and may only be used by the original recipient. If we give our written permission for you to pass Redemption Codes to another person, you may only do so for non-commercial purposes.
   7.13	You must not tamper with any security device contained in or on the Redemption Code.
   7.14	If we reasonably believe that a Redemption Code is being used unlawfully or in breach of these Terms and Conditions, we may reject the Redemption Code and/or cancel your access to any Services without notifying you. We will not be responsible to you in respect of such rejection or cancellation in these circumstances.
   7.15	If you cancel your use of the Services before the end of the Redemption Code period, you will not be entitled to any form of refund or credit from us.
   7.16	We will contact you shortly before the end of the Redemption Code period to check whether you wish to continue using the Services. If you wish to continue after the end of the Redemption Code period, you will need to pay the applicable charges for the relevant Service. If you do not wish to continue, your access to the Service under the Redemption Code will end when the Redemption Code period expires.

8. Use of the Websites and Our Material

   8.1	You are permitted to access and make personal non-commercial use of the Websites and Our Material for lawful purposes only and in a manner that does not infringe our intellectual property rights or those of third parties. Any access or use other than that which is personal non-commercial must be expressly agreed by us in writing and in advance. We do not give you permission to do anything with the Websites except to browse their contents and use any Services we make available to you.
   8.2	You must take care not to do anything that could harm the Websites or the computer systems which host the Websites. You must not do anything that restricts or inhibits the use and enjoyment of the Websites by other users.
   8.3	You are responsible for ensuring that Your Data submitted to the Websites is true and accurate and free from viruses and other harmful code.
   8.4	The Websites contain content which is made available by us (being Our Material) and by third parties (being Third Party Content). All information delivered to you in the course of the Services and all intellectual property rights, including copyright, in Our Material belong to us or our licensors. All intellectual property rights in Third Party Content belong to the relevant third party or their licensors.
   8.5	None of Our Material or the Third Party Content contained in the Websites may be reproduced or redistributed without our prior written permission, except that you may download or print a single copy for your own personal non-commercial use.
   8.6	Product names, trade marks or service names or marks or company names mentioned on the Websites and in connection with the Services are the trademarks, service marks, or business names of their respective owners. The word "EXPERIAN" and certain other words and graphical devices in respect of particular Services are trade marks of Experian Limited and/or its associated companies and may be registered in the EU, USA and other countries.

9. Privacy of Your Data

   9.1	We take your privacy very seriously and we comply with the relevant provisions of UK data protection legislation. We will use any information given to us by you or collected by us during your use of the Websites and Services only in accordance with our applicable Privacy Policy.
   9.2	Please be aware that we may record telephone calls you make to our call centres for training, audit and quality purposes.

10. Warranties and Disclaimers

    10.1	We will endeavour to provide the Websites and the Services with reasonable care and skill and to ensure that the Services are substantially as described on the Websites and in these Terms and Conditions.
    10.2	While we try to ensure that the Websites are functioning correctly, this may not always be achievable. We do not guarantee that the Websites or Services will be available all the time or at any specific time. They may be temporarily suspended if our computer systems used to provide the Websites or Services are under repair or maintenance or are otherwise unavailable.
    10.3	We do not guarantee that the Websites will be compatible with all or any hardware and software which you may use. For example, the Websites may not display or operate correctly if you access them using a mobile phone or similar device.
    10.4	We take steps to ensure that the Websites and Our Material are free from computer viruses and other harmful computer programs. However, we cannot guarantee this due to the nature of the Internet. You are advised to use appropriate firewall and anti-virus software to protect your computer and data.
    10.5	We use reasonable skill and care in the sourcing and supply of the information which is made available to you on or in connection with the Websites or Services. However, in the case of information we obtain from third party sources (including the details supplied by you), we cannot guarantee that any of that information is correct, accurate, complete, error free or up-to-date.
    10.6	Nothing provided by us on or in connection with the Websites or Services (including but not limited to our email alerts) is, or shall be deemed to constitute financial, legal or other advice. The information we provide is not intended to be relied on by you in making (or refraining from making) any specific decision or to replace independent professional advice. Any and all information provided by us on or in connection the Website is for general information purposes only.
    10.7	Except for the commitments we expressly make in these Terms and Conditions and any additional commitments arising out of your consumer rights granted by law, we do not make any other commitments or warranties about the Websites or the Services.

11. Our liability to you

    11.1	For further information about your legal rights and how they may be affected by these Terms and Conditions including this section on our liability to you, we advise you to contact your local Citizens Advice Bureau. If any problems arise with your use of the Websites or Services please contact us as soon as possible.
    11.2	Nothing in these Terms and Conditions excludes or limits our liability in respect of (a) death or personal injury caused by our negligence, (b) our fraud, (c) any other matter which it would be illegal for us to exclude or limit or to attempt to exclude or limit our liability, or (d) our duties or liability under the FSMA.
    11.3	We are not responsible to you for any loss or damage suffered by you which was not a reasonably foreseeable or obvious consequence of us breaching these Terms and Conditions - for example, if you and we could not have anticipated those losses before or when you accessed the Websites or used the Services or it was not obvious that those losses would result.
    11.4	We are not responsible to you for losses which you suffer due to any events beyond our reasonable control.
    11.5	We are not responsible to you for losses which you suffer which are not directly caused by our actions (or our failure to act).
    11.6	Unless we have been negligent then we are not responsible to you for any damage caused to any hardware or software used to access, use or download the Services.
    11.7	We are not responsible to you for losses you suffer under any contract you have with a third party through which your access to the Services and/ or any Website is arranged or paid for.
    11.8	Except as otherwise stated in these Terms and Conditions, our aggregate liability to you arising out of or in connection with each Service (including the Websites from which the relevant Service is provided) shall not exceed:
    11.8.1	£100; or
    11.8.2	if you pay a subscription fee for the relevant Service, the then current annual fee for that Service (or if the Service is not paid for annually, the monthly fee multiplied by twelve) if that amount is greater than £100.
    11.9	Our liability to you shall not include the following business losses that you may incur lost business data, lost profits, lost earnings, business interruption or reduction in the value of an asset. We shall not be liable to you for any business losses if the Service is provided for your own personal use as a consumer.

12. Ending the Services

    12.1	You are free to stop using the Websites at any time.
    12.2	You may cancel the subscription Services at any time by notifying us using our contact details for the relevant Service. Please see the terms and conditions specific to each for details of refunds that may be available for that Service.
    12.3	Please note, because we begin to set up and provide the Services immediately following your request, you will not be permitted to cancel the Services under the Consumer Protection (Distance Selling) Regulations 2000.
    12.4	We may terminate or suspend your access to log-in areas of the Websites and/or your use of any of the Services without notifying you if:
    12.4.1	in our view there has been a serious failure by you to comply with your responsibilities in these Terms and Conditions (for example non-payment or misuse of the Website or Our Materials or for fraud), or
    12.4.2	you receive access to the Services as part of a contract you have with a third party (for example as an employment benefit or value added service from that third party) and your right to such access comes to an end or the third party requests us to cancel your access.
    	If we do so, we may delete our records of your registration details and Your Data without liability to you.

13. Third Party Websites and Content

    13.1	The Websites may contain links to other websites and Third Party Content in respect of products and services, either directly or indirectly through frames. Where possible, we will make it clear where such links are being made. We are not responsible for Third Party Content or the availability of Third Party Websites.
    13.2	You can make requests for and purchase a number of products and services on Third Party Websites via our Websites. Please be aware that such products and services are not provided by us and are provided by third parties over whom we have no control.
    13.3	We do not endorse or take responsibility for any Third Party Content or any offers, arranging or advice (including but not limited to the comment, opinions, or recommendations) provided by third parties. You will need to validate the information and check the details of what is being offered by such third parties for yourself.
    13.4	Third Party Content and third party products and services available on the Websites or linked to from the Websites are subject to the separate terms and conditions and privacy policies of the relevant third party (in the case of privacy policies where the third party is collecting information from you, otherwise, where we collect information from you then our relevant privacy policies will apply). You should check them on the relevant Third Party Website and ensure that you are comfortable with them (and take legal advice if necessary) before making any application for the third party's products or services. We are not responsible for any arrangements or agreements made between you and the relevant third party and they are entered into at your sole risk and expense.
    13.5	Information about third party products and/or services made available to you on or in connection with the Websites or on a Third Party Website is not intended to be an exhaustive list of all the products and/or services that could be available to you.
    13.6	Where authorised by us from time to time, certain of our Services may be made available to you by our selected third party partners via their Third Party Websites. These Terms and Conditions will apply to your use of any such Services and will form a contract between you and us in respect of those Services.

14. Complaints

    14.1	In the unlikely event that you have cause to complain about any of our Services, our contact details can be found on the relevant Website.

15. Changes to these Terms and Conditions

    15.1	Sometimes, because of changes to the Websites or Services, changes in the law or our arrangements with third parties, we may have to make changes to these Terms and Conditions. You can tell when changes have been made by checking the version and date on which they were last modified indicated at the start of these Terms and Conditions.
    15.2	We will not notify you individually of any changes in these Terms and Conditions. It is therefore important that you check these Terms and Conditions regularly and in particular on each occasion when you request Services.

16. Other important information

    16.1	These Terms and Conditions are a contract between you and us and form the entire agreement between us. No-one except us and you has any right to enforce these Terms and Conditions by virtue of the Contracts (Rights of Third Parties) Act 1999.
    16.2	You may not transfer any or all of the rights granted to you under these Terms and Conditions to any other person.
    16.3	We may in our discretion discontinue or modify any of the Websites or Services at any time. We will try to ensure that any such discontinuation or modification does not materially adversely affect the nature of the Services provided to you.
    16.4	You must not create hypertext links to the Websites without our prior written permission.
    16.5	All communications between us will be conducted in the English language.
    16.6	Any notices we send to you will be sent to the most recent e-mail address or postal address provided to us by you.
    16.7	English law applies to these Terms and Conditions. If any disputes arise between you and us in relation to these Terms and Conditions and you want to take court proceedings, you must do so in the English courts unless you reside in Scotland, Wales or Northern Ireland, in which case you may do so in the courts of the country in which you reside.

Experian AutoCheck Services Terms and Conditions

Last Modified

Version: [1.1]
Dated: 10th Feb 2012

These are terms specific to all of the Experian AutoCheck Services and form part of the Terms and Conditions.

1. Definitions

   "AutoCheck Insurance" means insurance cover provided to you in connection with an AutoCheck search, as further described on the Website. The terms and conditions of the policy (including the limits and exclusions) for AutoCheck Insurance can be found here.

   "Buy Now Use Now" means where you are required to pay for your Experian AutoCheck Service and immediately use your check or one of your checks at the time of purchase.

   "Buy Now Use Later" means where you pay for your Experian AutoCheck Service without being required to use any checks immediately at the time of purchase. If you choose this option, you will then have sixty (60) days to use your check(s). Any check(s) which remain unused at the end of these sixty (60) days will expire and can no longer be used. 

   "Experian AutoCheck Services" means the services provided from the Website or via an authorised Third Party Website which include all AutoCheck searches made by you.

   “Third Party Website" means, for the purposes of these Experian AutoCheck Services Terms and Conditions, a third party website that is authorised by us from time to time to make available access to certain Experian AutoCheck Services.

   "Website" means, for the purposes of these Experian AutoCheck Services Terms and Conditions, www.autocheck.co.uk.

2. Our Services

   2.1	Experian AutoCheck Services are provided only for your personal non-commercial use. No other person has permission to use or rely on any information provided to you by an AutoCheck search.
   2.2	In order to conduct an AutoCheck search, the vehicle against which you wish to search must be registered in the United Kingdom (including Northern Ireland). For the avoidance of doubt, this does not include vehicles registered in the Channel Islands or the Isle of Man.
   2.3	The Experian AutoCheck Service does not provide information on (a) the physical condition of any vehicle, (b) the roadworthiness or safety of any vehicle, (c) whether the vehicle has been "written off" (unless it was written off by an insurance company), (d) whether any vehicle is a "clone" bearing a false vehicle registration mark and vehicle identification number, or (e) whether any vehicle was originally purchased and/or imported from another European Union country other than the UK. You will need to make your own investigations if you require information on any of these aspects of any vehicle(s) you own or intend to purchase.
   2.4	If you have purchased a multiple AutoCheck search, all of the searches available must be used by you within sixty (60) days or within the timeframe specified on the Website, whichever is the sooner, of the date when we confirmed receipt of your payment for the multiple AutoCheck search.
   2.5	Please see the Step By Step Guide on the Website for further information about using the Experian AutoCheck Services.
   2.6	Please note that not all features of the Experian AutoCheck Services may be available to you if you access Experian AutoCheck Services via a Third Party Website. This may include, for example, Buy Now Use Later, multiple AutoCheck searches and/or AutoCheck Insurance. Where features are not available, the corresponding sections of these Experian AutoCheck Services Terms and Conditions and of the Step By Step Guide will not apply to you..

3. Pricing and payment

   3.1	The price you pay for the Experian AutoCheck Service and how to make payment is as shown on the Website or relevant Third Party Website and may be varied by us from time to time. We reserve the right to offer discounted pricing to particular customers or groups of customers. No AutoCheck search can be carried out until we have received your payment.
   3.2	We operate payment facilities on the Website in conjunction with our third party provider of online payment security services. We do not retain your payment card details after you have completed a payment.
   3.3	You will receive a confirmation email when your payment has been successfully made.
   3.4	Where you access Experian AutoCheck Services via an authorised Third Party Website, you will need to follow the payment processes on the Third Party Website and your payment will be taken by the Third Party Website operator on our behalf.

4. Trials and Redemption Codes

   Information about Redemption Codes and Trials which may be applicable to your Experian AutoCheck Service will be set out on the Website, contained in marketing materials and/or supplied when you receive your Redemption Code.

5. Ending the Experian AutoCheck Service

   5.1	Buy Now Use Now - You may choose to cancel your Experian AutoCheck Service and/or the AutoCheck Insurance within fourteen (14) days beginning the day after the day of confirmation of receipt of payment, but please note that we are not required to make a refund of amounts you have paid. In the case of the Experian AutoCheck Service there is no refund because we begin to set up and provide the service immediately following your request for an AutoCheck search, and in the case of the AutoCheck Insurance there is no refund because you do not pay any extra charge for the insurance.
   5.2	Buy Now Use Later - You may choose to cancel your Experian AutoCheck Service and/or the AutoCheck Insurance within fourteen (14) days beginning the day after the day of confirmation of receipt of payment. In these circumstances, we will refund you the amount that you have paid for the Buy Now Use Later Experian AutoCheck Service you are cancelling and provided that you have not already carried out an AutoCheck search.
   5.3	If you cancel either your Experian AutoCheck Service or AutoCheck Insurance, this will automatically cancel both of them.
   5.4	If you cancel you will lose any remaining unused checks and the right to register the AutoCheck Insurance. If you have already registered the AutoCheck Insurance against a search no protection will be available under the AutoCheck Insurance policy for any losses you may incur.
   5.5	If you are exercising your statutory right to cancel your Experian AutoCheck Service you must e-mail us at autocheck@uk.experian.com within the fourteen (14) days referred to in clause 5.1 or clause 5.2 (as applicable). For us to be able to action it, you must include all of the following information in your e-mail:
   5.5.1	that you wish to cancel either your Experian AutoCheck Insurance or the AutoCheck Service (although cancellation of one will be treated as cancellation of both in accordance with clause 5.3);
   5.5.2	your full name;
   5.5.3	your purchase payment number in the case of Buy Now Use Later;
   5.5.4	the vehicle registration number for one of the vehicles you have searched against (not applicable for Buy Now Use Later); and
   5.5.5	the reference number(s) for all of your AutoCheck searches carried out for the AutoCheck Service you wish to cancel (not applicable for Buy Now Use Later).
   5.6	If your cancellation e-mail does not comply with all of the requirements of Clause 5.5, then your e-mail cancellation will not comply with what is required by these Terms and Conditions and your Experian AutoCheck Service will continue.
   5.7	Once we have confirmed all of the above details, if you are a Buy Now Use Later customer, then we will refund you any amount you have paid for the Buy Now Use Later service that you have cancelled. Such refund shall be paid onto the credit or debit card that you paid with.

6. AutoCheck Insurance

   AutoCheck Insurance is designed to help protect you in the event that AutoCheck search information may be incorrect, inaccurate or incomplete. If you choose to register for AutoCheck Insurance it will form part of your Experian AutoCheck Service. Below is a summary of some important details about the AutoCheck Insurance. For full information about AutoCheck Insurance you should read the terms and conditions of the policy (including the limits and exclusions) which can be found here. If you choose not to register for AutoCheck Insurance in respect of your AutoCheck searches or if it is not available to you (e.g. you are accessing the Experian AutoCheck Services via a Third Party Website which does not offer you AutoCheck Insurance) then you can ignore all of this Clause 6 as it does not apply to you.
   6.1	Who else is involved with us in providing the AutoCheck Insurance? AutoCheck Insurance is underwritten by Pinnacle Insurance plc ("the Insurer"). Experian acts for and on behalf of the Insurer as an insurance intermediary dealing in and arranging the contract of insurance and handling claims in respect of the AutoCheck Insurance.
   6.2	Your duty of disclosure When applying for AutoCheck Insurance you must fully and accurately disclose to us any information which would affect the decision of the Insurer as to whether or not to underwrite your insurance. Failure to do this may lead to your AutoCheck Insurance being invalidated or a claim being rejected.
   6.3	How does AutoCheck Insurance work? Each time you pay for an Experian AutoCheck Service (whether this is a single or the multiple AutoCheck search) you are entitled to register the results of one (1) AutoCheck search for AutoCheck Insurance. This means if you purchase a single AutoCheck search you can register the results of that AutoCheck search for AutoCheck Insurance, or if you have purchased a multiple AutoCheck search then you can register the search results for one of the relevant vehicles (normally the one you wish to buy) for AutoCheck Insurance. You may find that you have purchased single or multiple AutoCheck searches and completely used the vehicle searches without taking up all of your entitlements to register search results for the AutoCheck Insurance. If so, subject to certain limits in the maximum number of entitlements you can have for AutoCheck Insurance, you will still be able to register search results until all of your AutoCheck Insurance entitlements have been used up. Please contact us if you would like more details about the limits that apply or if you have any questions. The AutoCheck Insurance is available to cover a period of two years from the date of the relevant search. If the AutoCheck Insurance is not registered against a search within 2 years from the date of the relevant check, then it will expire at the end of such two years. For full details, please see the AutoCheck Insurance policy terms and conditions (including the limits and exclusions) and the further information on the Website. You may find that you have purchased single or multiple AutoCheck searches and completely used the vehicle searches without taking up all of your entitlements to register search results for the AutoCheck Insurance. If so, subject to certain limits in the maximum number of entitlements you can have for AutoCheck Insurance, you will still be able to register search results until all of your AutoCheck Insurance entitlements have been used up. Please contact us if you would like more details about the limits that apply or if you have any questions. The AutoCheck Insurance is available to cover a period of two years from the date of the relevant search. If the AutoCheck Insurance is not registered against a search within 2 years from the date of the relevant check, then it will expire at the end of such two years. For full details, please see the AutoCheck Insurance policy terms and conditions (including the limits and exclusions) and the further information on the Website.
   6.4	AutoCheck Insurance is not vehicle insurance Please be aware that AutoCheck Insurance only provides cover in relation to the specific data provided to you as part of the results of an AutoCheck search. Neither we nor the Insurer provide motor insurance in relation to any vehicle, its use and/or any driver as part of the Experian AutoCheck Services or the AutoCheck Insurance. You will need to make your own arrangements for motor insurance and to ensure that it is safe and legal for you to drive any vehicle you purchase.
   6.5	What will you have to pay for AutoCheck Insurance? There is no additional cost to you for the AutoCheck Insurance as the premium (and the relevant insurance premium tax) is included in the fee for the Experian AutoCheck Services. Please note that prior to the premium for the AutoCheck Insurance being forward to the Insurer, for your protection we hold the premium as an agent of the Insurer so that your AutoCheck Insurance policy is treated as being paid for. We reserve the right to retain any interest earned on such premiums held.
   6.6	Are you eligible for AutoCheck Insurance? In order to be eligible for AutoCheck Insurance you must:  • have purchased an AutoCheck search (as explained above); and • be aged 18 or over.
   6.7	What is the minimum duration of the AutoCheck Insurance? There is no minimum duration for the AutoCheck Insurance.
   6.8	Your right to cancel the AutoCheck Insurance You may cancel your AutoCheck Insurance within the first 14 days but no refund is payable.
   6.9	How to exercise your right to cancel the AutoCheck Insurance Please see Clause 5 above and the AutoCheck Insurance policy which describes how you can cancel. Cancelling your AutoCheck Insurance will cancel your Experian AutoCheck Service.
   6.10	How to make a claim under the AutoCheck Insurance How to make a claim under the AutoCheck Insurance Once you have registered a search result for AutoCheck Insurance, if you believe or discover that specific data about the relevant vehicle supplied as part of any AutoCheck search result is incorrect, inaccurate or incomplete, then you may be entitled to make a claim under the AutoCheck Insurance. For information on how to make a claim, please see the AutoCheck Insurance policy terms and conditions (including the limits and exclusions).
   6.11	What is the Law applicable to the AutoCheck Insurance? The law applicable to the AutoCheck Insurance contract is English law and the language of the AutoCheck Insurance contract and of any communication about the insurance will be English.
   6.12	What to do if you have a complaint about the AutoCheck Insurance Please refer to the AutoCheck Insurance policy terms and conditions for details of what to do if you have a complaint.