PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY BEFORE USING THIS SITE
Who we are and how to contact us
Content on this website is owned by EQ Credit Services ("We" “EQCS”). EQ Credit Services is a trading style of the following companies: Pancredit Systems Ltd. registered in England and Wales under company number 02215760; The Nostrum Group Limited registered in England and Wales under company number 04274181; and Equiniti Gateway Limited registered in England and Wales under company number 06729467; and have our registered office at Highdown House, Yeoman Way, Worthing, West Sussex, United Kingdom BN99 3HH. Our main trading address is Victoria House, Lawnswood Business Park, Redvers Close, Leeds LS16 6QY. 
We are authorised and regulated by the UK Financial Conduct Authority with number 659783.
By using this site you accept these terms
By using this site, you confirm that you accept these terms of use and that you agree to comply with them.  If you do not agree to these terms, you must not use this site.  We recommend that you print a copy of these terms for future reference.
We may make changes to these terms
We amend these terms from time to time. Every time you wish to use this site, please check these terms to ensure you understand the terms that apply at that time.  These terms were most recently updated on 19/04/22.
We may make changes to this site
We may update and change this site from time to time to reflect changes to our products and our business.
We may suspend or withdraw this site
This site is made available free of charge.
We do not guarantee that this site, or any content on it, will always be available or be uninterrupted. We may suspend or withdraw or restrict the availability of all or any part of this site for business and operational reasons.
How you may use material on this site
We are the owner or the licensee of all intellectual property rights in this site, and in the material published on it. Those works are protected by copyright laws and treaties around the world. All such rights are reserved.
You may print off one copy, and may download extracts, of any page(s) from this site for your personal use and you may draw the attention of others within your organisation to content posted on this site.
You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text.
Our status (and that of any identified contributors) as the authors of content on this site must always be acknowledged (except where the content is user-generated).
You must not use any part of the content on this site for commercial purposes without obtaining a licence to do so from us or our licensors.
If you print off, copy, download, share or repost any part of this site in breach of these terms of use, your right to use this site will cease immediately and you must, at our option, return or destroy any copies of the materials you have made.
Do not rely on information on this site
The content on this site is provided for general information only. It is not intended to amount to advice on which you should rely. You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of the content on this site.
Although we make reasonable efforts to update the information on this site, we make no representations, warranties or guarantees, whether express or implied, that the content on this site is accurate, complete or up to date.
Our responsibility for loss or damage suffered by 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 exclude all implied conditions, warranties, representations or other terms that may apply to this site or any content on it.
We will not be liable to you for any loss or damage, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, even if foreseeable, arising under or in connection with:
•	use of, or inability to use, this site; or
•	use of or reliance on any content displayed on this site.
In particular, we will not be liable for:
•	loss of profits, sales, business, or revenue;
•	business interruption;
•	loss of anticipated savings;
•	loss of business opportunity, goodwill or reputation; or
•	any indirect or consequential loss or damage.
How we may use your personal information
We will only use your personal information as set out in our https://equiniti.com/uk/privacy-policy/. 
Which country's laws apply to any disputes?
These terms of use, their subject matter and their formation (and any non-contractual disputes or claims) are governed by English law. We both agree to the exclusive jurisdiction of the courts of England and Wales.
Our trade marks are registered
"EQ BORROWBOX" is a UK registered trademark of Equiniti Limited.
You are not permitted to use them without our approval.