Wollit Ltd Services

 General terms and conditions 

1. Introduction

1.1. Wollit Ltd (“Wollit”,“us” or “we”) is a company registered in England and Wales, with company number 10687003, and with registered office at 35 Ballards Lane, London, United Kingdom, N3 1XW, and with trading address at 8 Denmark Street, London, United Kingdom, WC2H 8LS.

1.2. These terms apply to your use of the Wollit app (“App”), and the services offered through the App by us (“Services”). Please read these terms carefully and make sure you understand them, as you will be required to agree to these terms before using the App or Services.

2. Services

2.1. The App is a financial health platform that provides products and services which seek to improve your financial health and access to and understanding of credit.

2.2. Some of the Services on the App are provided free of charge (“Wollit Services”). These include:
   2.2.1. An Affordability Score
   2.2.2. A monthly Affordability Report
   2.2.3. Financial education guides and content

2.3. Some of the Services on the App are only available on a paid-for subscription basis (“ Wollit Credit Score Builder Service.”). You will need to enter into a separate agreement if you subscribe to Wollit Credit Score Builder Service (“Wollit Credit Score Builder Terms”). The Wollit Credit Score Builder Terms (available below) set out details of the nature and pricing of the Wollit Credit Score Builder Services.

2.4. If you do not have any subscription service with us, and simply use the Wollit Services on the App, you can cancel your use of the Wollit Services at any time by emailing support@wollit.com.  

2.5. Cancellation rights in respect of the Wollit Credit ScoreBuilder Services are set out in the Wollit Credit Score Builder Terms. Cancellation of the Wollit Credit Score Builder Services by you will not automatically cancel your use of the Wollit Services.

2.6. Wollit Services do not constitute the provision to you of any investment advice or financial advice. We do not make any representations, warranties or guarantees of any kind that any or all of the Services or the App are suitable or appropriate for you.

3. Eligibility and application

3.1. In order to use the Wollit Services, you must:
   3.1.1. be 18 years or over;
   3.1.2. be resident in the UK;
   3.1.3. hold a personal bank account in the UK;
   3.1.4. complete the application process through the App; and
   3.1.5. accept these terms and conditions, the App terms of use and the Wollit privacy policy.

3.2. You may only hold one Wollit Services account and may not apply for multiple accounts through the App.

3.3. By completing the application to receive Wollit Services, you confirm that the information you have provided is accurate and complete.

3.4. Wollit may reject your application if any information provided in the application is found to be incorrect or incomplete or if Wollit has been unable to complete identity verification checks to its satisfaction.

3.5. Notwithstanding clause 3.4 above, Wollit reserves the right to reject your application for Wollit Services at its discretion without giving any reasons for doing so. 

4. Open banking

4.1. In order to provide the Wollit Services, Wollit requires a read-only connection to your main personal bank account held in the UK (“Personal Account”). Your Personal Account should be the account you consider to be your main account, being the account your income is paid into, and the account you use for your day to day spending. If your Personal Account is no longer your main personal banking account in the UK, you must update the details within the app in order for us to continue to provide the Wollit Services.

4.2. You agree that we may and you instruct us (and our supplier Truelayer Limited (“Truelayer”) as your agent and representative to access, retrieve and use your Personal Account data in order to:
   4.2.1. view and monitor your Personal Account balances and transactions;
   4.2.2. make and store a copy of your Personal Account data;
   4.2.3. analyse the transactions, balances and use of your Personal Account to identify income and spending habits;
   4.2.4. provide personalised insights, alerts and other tools relating to affordability and financial health

4.3. Wollit is an agent of Truelayer Limited for the purposes of providing account information services. Truelayer is a company registered in England and Wales under Company Number 10278251, having its registered office at 1 Hardwick Street, Clerkenwell, London EC1R 4RB and is authorised and regulated by the Financial Conduct Authority under the Payment Services Regulations 2017 and the Electronic Money Regulations 2011 (with Firm Reference Number: 901096). Details of TrueLayer Limited's data security and data privacy procedures can be found at https://truelayer.com/privacy/.  

4.4. During the Wollit Services application process, Truelayer will take you through a secure process to create read-only access to your Personal Account. You will be required to provide your explicit consent to enable us and TrueLayer to access specific information about your Personal Account on a read-only basis in accordance with clause 4.2 above.

4.5. In the interests of security, we will periodically ask you to renew your consent. You may also withdraw your consent for our read-only access to your Personal Account at any time. However, if you withdraw or fail to renew your consent when requested, we will be unable to continue to provide part of the Services, and such provision of the affected services will cease immediately.

4.6. We will not be able to control your Personal Account, make payments or transfer funds to third parties or otherwise operate any other functionality in respect of your Personal Account. We will not, at any point, process or store your internet banking access details.

4.7. We do not check the accuracy of the Personal Account information you provide to us, and we rely on your Personal Account providers to ensure that the Personal Account information provided to us is up-to-date and accurate.

4.8.  Wollit is not endorsed or sponsored by the providers of your Personal Account.

5. Your Obligations

5.1. You must:
   5.1.1. Notify us promptly if there is any change to your personal or contact details or application information, including your name; your address, your Personal Account; your mobile number; your email address; or your status as a UK resident.
   5.1.2. Only use the App and Wollit Services for your own personal use.
   5.1.3. Not use the App or Wollit Services for any unlawful activity, for any unlawful purpose, or in any manner inconsistent with these terms, or act fraudulently or maliciously, or in any manner that may cause offence or harm to any person, or which may infringe the intellectual property or other rights of Wollit or any third party.
   5.1.4. Not do anything that may disable, modify or harm the App or the Wollit Services.  

6. Access and Security

6.1. Access to the Wollit Services will be provided through the App.

6.2. You must not allow any other person to access the Wollit Services on your behalf. You must treat your access and authentication details as confidential, and you must not disclose these to any other person.

6.3. If you believe your App account has been compromised or do not recognise activity on your account, you should contact us as soon as possible using the email address provided at 13.1.

6.4. If we reasonably suspect or become aware that you have been the subject of fraud or an operational security incident, we may disable some or all of the functionality of your App account until such time as we believe that the suspected incident is resolved.

6.5. We have the right to disable any App user, identification code or password, whether chosen by you or allocated by us, at any time if in our opinion, you have failed to comply with any of the provisions of the terms of this clause 6.

7. Privacy

7.1. Your personal information will be processed in accordance with the Wollit privacy policy, available at https://wollit.com/privacy.

8. Intellectual Property

8.1. All copyright, trade marks and any other intellectual property rights in all logos, designs, text, images, software and all other materials and content on or within our App (collectively the “Content”) are owned by Wollit or appear with the permission of the relevant owner.

8.2. When we provide you with access to the App and Wollit Services, this is on a licence-basis for your own personal use only, and all intellectual property rights in the Content remain with us.

8.3. You are authorised solely to view and retain a copy of the pages of our App for your own personal, non-commercial use. You may also view and make copies of relevant documents, pages, images or other materials on our App for the purposes of applying for or using the Wollit Services.

8.4. You may not duplicate, reproduce, copy, publish, modify, create derivative works from the Content, or reverse engineer or reverse compile any of the technology associated with the Content.

8.5. Additionally, you agree that you will not (i) remove or alter any author, trademark or other proprietary notice displayed on our App (or printed pages produced from our App); and (ii) make any other modifications to any documents obtained from our App other than in connection with completing the information required to transact business with Wollit. 

9. Termination

9.1. If you do not subscribe to the Wollit Credit Score Builder Services:
   9.1.1. and you have not used the App for 3 months, your access to the App may be deactivated, and you will have to re-apply to use the Wollit Services.
   9.1.2. We may end, restrict or suspend our provision of the Wollit Services to you if we provide you with at least 30 days’ notice.

9.2. We may end, restrict or suspend our provision of the Wollit Services to you immediately and without notice if:
   9.2.1. You materially breach (or we reasonably suspect that you have materially breached) any of these terms; or
   9.2.2. You fail to maintain active consent for the read-only connection to your Personal Account.

9.3. Termination of these terms for any reason will not affect any liability you have to Wollit under the Wollit Credit Score Builder Terms.

9.4. If we terminate your use of the Wollit Services, you must:
   9.4.1. stop all activities authorised by these terms, including your use of any Wollit Services; and
   9.4.2. immediately destroy all copies of any pages of the App in regards to the Wollit Credit Score Builder Services which you have downloaded or otherwise stored.  

10.  Disclaimers

10.1. Whilst we have taken reasonable steps to ensure the accuracy, currency and availability, correctness and completeness of the information contained on the App:
   10.1.1. Wollit does not promise that theApp or any content, document or feature of Wollit Services will be error-free or uninterrupted, or that any defects will be corrected or that your use of the Wollit Services will provide specific results.
   10.1.2. The material on our App or the Wollit Services could include technical inaccuracies or typographical errors. Our App, its content and the Wollit Services are delivered on an"as-is" and "as-available" basis. 

11. Exclusion Of Liability

11.1. To the fullest extent permitted by law, we hereby exclude any liability direct, indirect or consequential loss or damage incurred by any user in connection with our App or Wollit Services or in connection with the use, inability to use, or results of the use of our App or the Wollit Services, including:
   11.1.1. loss of business
   11.1.2. loss of income or revenue
   11.1.3. loss of profits or contracts
   11.1.4. loss of anticipated savings
   11.1.5. loss of data
   11.1.6. loss of goodwill
   11.1.7. wasted management or office time
   11.1.8. any other loss or damage of any kind, however arising and whether caused by tort (including negligence), breach of contract or otherwise, even if foreseeable.

11.2.  Nothing in these terms limits any liability which cannot legally be limited, including but not limited to liability for:
   11.2.1. Death or personal injury caused by negligence;
   11.2.2. Fraud or fraudulent misrepresentation; or
   11.2.3. Any other liability which cannot be excluded or limited under applicable law.

11.3. We are not liable for any failure, suspension and or termination of access to the App or Wollit Services in connection with or arising out of an event which is outside our reasonable control.

 12. Other Important Terms

12.1. We reserve the right to vary these terms from time to time in order to reflect changes in law or best practice, to make necessary changes to or add additional features to the Wollit Services, or to make improvements to our provision of the App or Wollit Services, including technical adjustments and improvements (for example, to address a security threat or to run a necessary update), and to correct any error or omission in any information or document issued by us. We will notify you if we make any variations to these terms, and you may ask for a copy of these terms at any time. By continuing to use the Services after any changes to these terms, you agree to be bound by the amended terms. If you do not agree to any variation of terms that we make, subject to clauses 2.5 and 2.6 above, you can cancel your use of the Wollit Services at any time.  

12.2. For details of operating models and technicals specifications for our App, please see the details in the app store listings.

12.3. We may assign any or all of our rights and obligations under these terms. You may not assign any of your rights or obligations under these terms.

12.4. Nothing in these terms is intended to, nor shall create, any right enforceable by any third party and the Contracts (Rights of Third Parties) Act 1999 shall not otherwise apply to these terms.

12.5. If any provision of these terms is or becomes invalid, illegal or unenforceable, it shall be deemed modified to the minimum extent necessary to make it valid, legal and enforceable. If such modification is not possible, the relevant provision or part-provision shall be deemed deleted. Any modification to or deletion of a provision or part-provision under this clause shall not affect the validity and enforceability of the rest of the terms.

12.6. Any failure by Wollit to exercise any rights or enforce any of these terms shall not constitute a waiver of such rights or terms.

12.7. These terms constitute the entire agreement between you and Wollit with regard to your use of the Wollit Services, and any and all other written or oral agreements or understandings previously existing between you and Wollit with respect to such use are hereby superseded and cancelled.

12.8. These terms and any dispute or claim arising out of or in connection with them shall be governed and construed in accordance with the law of England and Wales, and we and you both agree to submit to the exclusive jurisdiction of the English courts.

13.  Contact And Complaints

13.1. You can contact us via email at support@wollit.com.

13.2. You agree that we may contact you by sending an email to the email address you have given us, by SMS message or telephone call to the mobile number you have given us, by post to the mailing address you have given us, or by push notification to your mobile device (where you consent to receive these).  

Wollit Credit Score Builder Service

General terms and conditions

 1. Introduction

 1.1. Wollit Ltd (“Wollit”, “us” or “we”) is a company registered in England and Wales, with company number 10687003, and with registered office at 35 Ballards Lane, London, United Kingdom, N3 1XW, and with trading address at 8 Denmark Street, London, United Kingdom, WC2H 8LS.

 1.2. These terms apply to your use of the Wollit Credit Score Builder Service (as defined below). Please read these terms carefully and make sure you understand them, as you will be required to agree to these terms before using the Wollit Credit Score Builder Service.

 2. Wollit Credit Score Builder Service

 2.1. As a user of the Wollit App (the “App”), you may also subscribe to the Wollit Credit Score Builder Service. This service seeks to improve your access to and understanding of credit. The Wollit Credit Score Builder services consists of:
   ● A personalised Affordability Score
   ● A personalised monthly Affordability Report
   ● Personalised Affordability Live Tracking
   ● Prioritised credit fixes
   ● Financial education guides and workshops
   ● The ability to pay for the Services via an unregulated loan with the intention that these payments are then reported to Experian, TransUnion and Equifax to build your positive payment history

2.2. Wollit Credit Score Builder is a fixed12-month subscription which costs £108 (the ‘Subscription Fee’). The Subscription Fee is due in full on the date you accept this agreement. Wollit will provide you with an interest-free loan of £108 to be used exclusively to pay the Subscription Fee, which you then repay in 12 interest-free monthly instalments of £9. Please note that you will not receive any cash from this loan. We then report this loan and your monthly repayments to the credit reference agencies, Experian, Equifax and TransUnion, who record the information on your credit file. This process seeks to build your positive payment history, which is the single biggest factor affecting your credit score.

2.3. The interest-free loan is provided via an exempt credit agreement under section 60F(2) of the Financial Services and Markets Act 2000 (Regulated Activities) Order 2001, in that it is a borrower-lender-supplier agreement for fixed sum credit where credit is provided without interest or other charges over a period of 12 months or less, and repayable in no more than 12 instalments.

2.4. Important Notice
   2.4.1. This service may not be suitable for your credit building needs if any of the following apply:
      2.4.1.1.You have any late debt or bill payments
      2.4.1.2. You have had one or more CCJ’s in the last 12 months.
      2.4.1.3. You have been subject to an IVA or debt management plan in the last 12 months
      2.4.1.4. You are going through bankruptcy
   2.4.2. This is because even if you build your credit score using the Credit Score Builder Service, many lenders may not extend credit to you due to the above factors being present on your credit file

 2.5. By subscribing to the Wollit Credit Score Builder Service, you confirm that the information you have provided is accurate and complete and that you have read and agreed to these Wollit Credit Score Builder Service terms together with the Wollit Ltd Services terms and conditions (“Wollit Terms”), and the App terms of use.

2.6. You may only hold one Wollit Credit Score Builder Service account and you may not apply for multiple accounts through the App. Wollit reserves the right to reject your application for the Wollit Credit Score Builder Service in its discretion without giving any reasons for doing so.

2.7. The Wollit Credit Score Builder Service does not constitute the provision to you of any investment advice or financial advice. We do not make any representations, warranties or guarantees of any kind that any or all of the Wollit Credit ScoreBuilder Service or the App are suitable or appropriate for you.

3. Wollit Credit Score Builder Subscription Fee

3.1. The first Subscription Fee Instalment will be due on the date you subscribe to the Wollit Credit Score Builder Service, with the remaining 11 Subscription Fee Instalments due on the same date each month thereafter (the “Repayment Date”) until you have repaid the Subscription Fee in full.

3.2. If your Repayment Date falls on a non-working day, your Subscription Fee Instalment will be due on the next working day. However, where the Repayment Date cannot be the same day of a particular month, i.e. if there is no corresponding Repayment Date within a certain month, for such month the Repayment Date shall be the nearest day before.

3.3. In order to pay by Subscription Fee Instalments, you will be required to provide a continuous payment authority (CPA) so that each Subscription Fee Instalment can be collected from your bank by Wollit. A CPA is a recurring payment made on your chosen debit card that you authorise to be taken as a means of paying your Subscription Fee Instalments.Unlike a direct debit, a CPA is not covered by any guarantee although you have the ability to cancel it at any time through the app or by contacting your bank.

3.4. Payment of the Subscription Fee Instalments must be made by debit card on or prior to your Repayment Date.

3.5. The Subscription is for a period of 12 months. On the expiry of your subscription period, your subscription will automatically renew for another 12 months unless you tell us you do not want to renew. Please see clause 6 below for full details. 

4. Late or Non-payment of Subscription Fee Instalments

4.1. If we have not received a Subscription Fee Instalment on your Repayment Date, we will try to contact you to discuss this.

4.2. If we cannot collect your Subscription Fee Instalment on the Repayment Date, we will make daily attempts to do so for the next 14 days.

4.3. If you have not paid a Subscription Fee Instalment by 14 days after the relevant Repayment Date, we may terminate your subscription in accordance with clause 13.1.1.

5. Credit Building

5.1. Credit building is a Wollit Credit Score Builder Service feature which is available to you when you pay the Subscription Fee via the Subscription Fee Instalments.

5.2. By paying the Subscription Fee in instalments on time, we will be able to report these payments to three UK credit reference agencies, TransUnion, Experian and Equifax. This seeks to help build your credit history to improve your credit score by building a positive payment history.

5.3. It is important that you pay each Subscription Fee Instalment by the relevant Repayment Date, as we will also report late or unpaid Subscription Fee Instalments to the credit reference agencies, which may have an adverse effect on your credit score. We cannot guarantee your credit score will improve due to your use of the credit building feature, nor can we guarantee how long it will take to see any improvement in your credit score, as this depends upon a variety of other factors, such as your management of other financial commitments, which are outside of our control.

5.4. Credit building in this manner does not require us to undertake a credit check on you.

6. Duration and Renewal of Subscription

6.1. Each subscription period for the Wollit Credit Score Builder Service is for no more than 12 months. Subject to clauses 12 and 13 the subscription and associated credit agreement will automatically renew at the end of the subscription period for a further 12 months unless you provide at least 14 days’ notice that you do not wish to renew prior to the end of your subscription.

6.2. We will send an automatic renewal reminder six weeks prior to the renewal date. Such reminder will include terms of the proposed renewal and the steps you need to take to notify us if you do not wish to renew. Once your subscription renews you will have the ability to cancel the renewed subscription for up to 14 days following renewal at no cost as per clause 12, directly in the app or by contacting us atsupport@wollit.com.

 7. Open Banking

7.1.  In order to provide the Wollit Services, Wollit requires a read-only connection to your main personal bank account held in the UK (“Personal Account”). Your Personal Account should be the account you consider to be your main account, being the account your income is paid into, and the account you use for your day to day spending. If your Personal Account is no longer your main personal banking account in the UK, you must update your details within the app in order for us to continue to provide  parts of the Services.

 7.2. When you applied for the Wollit Services, you agreed and provided your explicit consent and instruction for us (and our supplier Truelayer Limited (“Truelayer”) as your agent and representative) to access, retrieve and use your Personal Account data in order to:
   7.2.1. view and monitor your Personal Account balances and transactions;
   7.2.2. make and store a copy of your Personal Account data;
   7.2.3. analyse the transactions, balances and use of your Personal Account to identify income and spending habits;
   7.2.4. provide personalised insights, alerts and other tools relating to affordability and financial health

7.3. Wollit uses Truelayer Limited for the purposes of providing account information services.Truelayer is a company registered in England and Wales under Company Number 10278251 having its registered office at 1 Hardwick Street, Clerkenwell, LondonEC1R 4RB and is authorised and regulated by the Financial Conduct Authority under the Payment Services Regulations 2017 and the Electronic Money Regulations 2011 (with Firm Reference Number: 901096). Details of TrueLayer Limited's data security and data privacy procedures can be found at https://truelayer.com/privacy/

7.4. In the interests of security, we will periodically ask you to renew your consent. You may also withdraw your consent for our read-only access to your Personal Account at any time. However, if you withdraw or fail to renew your consent when requested, we will be unable to continue to provide some elements of the Wollit Credit Score Builder Service and such provision of the service will be suspended immediately unless and until such time as your consent is provided anew.

7.5. We will not be able to control your Personal Account, make payments or transfer funds to third parties or otherwise operate any other functionality in respect of your Personal Account. We will not at any point process or store your internet banking access details.

7.6.  We do not check the accuracy of the Personal Account information you provide to us and we rely on your Personal Account providers to ensure that the Personal Account information provided to us is up to date and accurate.

7.7. Wollit is not endorsed or sponsored by the providers of your Personal Account.

8. Your Obligations

8.1. You must:
   8.1.1. Notify us promptly  if there is any change to your personal or contact details or application information, including: your name; your address; your Personal Account; your mobile number; your email address; or your status as a UK resident.
   8.1.2. Only use the App and Wollit Credit Score Builder Service for your own personal use.
   8.1.3. Not use the App or the Wollit Credit Score Builder Service for any unlawful activity, for any unlawful purpose, or in any manner inconsistent with these terms, or act fraudulently or maliciously, or in any manner that may cause offence or harm to any person, or which may infringe the intellectual property or other rights of Wollit or any third party.
   8.1.4.  Not do anything that may disable, modify or harm the App or the Wollit Credit Score Builder Service

9. Access and Security

9.1. Access to the Wollit Credit Score Builder Service will be provided through the App.

9.2. You must not allow any other person to access the Wollit Credit Score Builder Service on your behalf. You must treat your access and authentication details as confidential, and you must not disclose these to any other person.

9.3. If you believe your App account has been compromised or do not recognise activity on your account, you should contact us as soon as possible using the email address provided at 17.1.

9.4. If we reasonably suspect or become aware that you have been the subject of fraud or an operational security incident, we may disable some or all of the functionality of your App account until such time as we believe that the suspected incident is resolved.

9.5.  We have the right to disable any App user, identification code or password, whether chosen by you or allocated by us, at any time, if in our opinion you have failed to comply with any of the provisions of the terms of this clause 9. 

10. Privacy

10.1. Your personal information will be processed in accordance with the Wollit privacy policy available at https://wollit.com/privacy

11. Intellectual Property

11.1.  All copyright, trademarks and any other intellectual property rights in all logos, designs, text, images, software and all other materials and content on or within our App (collectively the “Content”) are owned by Wollit or appear with the permission of the relevant owner.

11.2. When we provide you with access to the App and the Wollit Credit Score Builder Service, this is on a licence-basis for your own personal use only, and all intellectual property rights in the Content remain with us.

11.3. You are authorised solely to view and retain a copy of the pages of our App for your own personal, non-commercial use. You may also view and make copies of relevant documents, pages, images or other materials on our App for the purposes of applying for or using the Wollit Credit Score Builder Service.

11.4. You may not duplicate, reproduce, copy, publish, modify, create derivative works from the Content, or reverse engineer or reverse compile any of the technology associated with the Content.

11.5. Additionally, you agree that you will not (i) remove or alter any author, trademark or other proprietary notice displayed on our App (or printed pages provided from ourApp); and (ii) make any other modifications to any documents obtained from our App other than in connection with completing information required to transact business with Wollit.

 12.  Cancellation

12.1. You have the right to cancel your subscription to the Wollit Credit Score Builder Service and thereby terminate the associated credit agreement within 14 days starting from the day you subscribe by using the in-App cancellation option, or by contacting us at support@wollit.com.

12.2.  If you exercise your right to cancel within the 14 days, we will reimburse any amount you have paid to us. We will not report your subscription payment to the credit reference agencies which will mean your credit score will not benefit from the Credit Score Builder Service.

12.3. If you cancel after the first 14 days of your subscription, you will not be entitled to a refund of any amount of the Subscription Fee already paid up to that point but we will cancel your CPA and take no further Subscription Fee Installments. We will report your loan as being partially settled to the credit agencies meaning there will be no detriment to your credit score. Cancelling your subscription to the Wollit Credit Score Builder Service early may reduce the effectiveness of the Service in building a positive credit record as it may impact how other lenders interpret your credit file as it shows you chose to end a financial commitment earlier than full term.

13. Termination

13.1. We may terminate your subscription if:
   13.1.1. You have not paid a Subscription Fee Instalment by 14 days after the relevant Repayment Date;
   13.1.2. You materially breach (or we reasonably suspect that you have materially breached) any of these terms or the Wollit Terms; or

13.2. Termination of these terms for any reason will not affect your use of the Wollit Services (unless termination is based on your breach of the Wollit Terms).

13.3. If we terminate your subscription, pursuant to clause 13.1 we may:
   13.3.1. charge you for any outstanding amount remaining in respect of the Subscription Fee (for example, any outstanding Subscription Fee Instalments);
   13.3.2. take any action which is necessary in our opinion to recover our losses.

13.4. if we terminate your use of the App or Wollit Credit Score Builder Service, you must:
   13.4.1. stop all activities authorised by these terms, including your use of any Wollit Credit Score Builder Service; and
   13.4.2. immediately destroy all copies of any pages from the App in regards to the Wollit CreditScore Builder Service  which you have downloaded or otherwise stored.

13.5. If your subscription has been terminated and you would like to re-subscribe, we have the right to require payment in full of any outstanding amount owed to us.

13.6. If we are unable for any reason to continue to provide the Wollit Credit Score Builder Service, we may terminate your subscription by providing you with 30 days’s notice. In such circumstances, clause 13.3 will not apply, and we will provide a refund for the Subscription Fee in respect of any unexpired portion of your subscription, or will not charge any remaining Subscription Fee Instalments from the termination of your subscription.

14. Disclaimers

14.1. Whilst we have taken reasonable steps to ensure the accuracy, currency and availability, correctness and completeness of the information contained on the App:
   14.1.1. Wollit does not promise that the App or any content, document or feature of Wollit Credit Score Builder Service will be error-free or uninterrupted, or that any defects will be corrected or that your use of the Wollit Credit Score Builder Service will provide specific results.
   14.1.2. The material on our App or the Wollit Credit Score Builder Service could include technical inaccuracies or typographical errors. Our App, its content and the Wollit Credit Score Builder Service are delivered on an "as-is" and"as-available" basis. 

 15. Exclusion of Liability

15.1. To the fullest extent permitted by law, we hereby exclude any liability direct, indirect or consequential loss or damage incurred by any user in connection with our App or the Wollit Credit Score Builder Service or in connection with the use, inability to use, or results of the use of our App or the Wollit Credit Score Builder Service, including:
   15.1.1. loss of business
   15.1.2. loss of income or revenue
   15.1.3. loss of profits or contracts
   15.1.4. loss of anticipated savings
   15.1.5. loss of data
   15.1.6. loss of goodwill
   15.1.7.  wasted management or office time
   15.1.8. any other loss or damage of any kind, however arising and whether caused by tort (including negligence), breach of contract or otherwise, even if foreseeable.

15.2.  Nothing in these terms limits any liability which cannot legally be limited, including but not limited to liability for:
   15.2.1. Death or personal injury caused by negligence;
   15.2.2. Fraud or fraudulent misrepresentation; or
   15.2.3. Any other liability which cannot be excluded or limited under applicable law.

15.3. We are not liable for any failure, suspension and or termination of access to the App or Wollit Credit Score Builder Service in connection with or arising out of an event which is outside our reasonable control.

 

 16.  Other Important Terms

16.1. We reserve the right to vary these terms from time to time in order to reflect changes in law or best practice, to make necessary changes to the features of the Wollit Credit Score Builder Service  or to make additions or improvements to the Wollit Credit Score Builder Service which are to your benefit, to make necessary improvements or minor technical adjustments to the App or provision of the Wollit Credit Score Builder Service (such as running an update to ensure the continued provision of the Wollit Credit Score Builder Service, or to address a security threat), or to correct any error or omission in any information or document issued by us provided that any such variation does not materially affect these terms. We will notify you if we make any variations to these terms.

16.2. We may assign any or all of our rights and obligations under these terms. You may not assign any of your rights or obligations under these terms.

16.3. Nothing in these terms is intended to, nor shall create, any right enforceable by any third party and the Contracts (Rights of Third Parties) Act 1999 shall not otherwise apply to these terms.

16.4. If any provision of these terms is or becomes invalid, illegal or unenforceable it shall be deemed modified to the minimum extent necessary to make it valid, legal and enforceable. If such modification is not possible, the relevant provision or part-provision shall be deemed deleted. Any modification to or deletion of a provision or part-provision under this clause shall not affect the validity and enforceability of the rest of the terms.

16.5. Any failure by Wollit to exercise any rights or enforce any of these terms shall not constitute a waiver of such rights or terms.

16.6. These terms constitute the entire agreement between you and Wollit with regard to your use of the Wollit Credit Score Builder Service and any and all other written or oral agreements or understandings previously existing between you and Wollit with respect to such use are hereby superseded and cancelled.

16.7. These terms and any dispute or claim arising out of or in connection with them shall be governed and construed in accordance with the law of England and Wales, and we and you both agree to submit to the exclusive jurisdiction of the English courts. 

 17. Contact and Complaints

17.1. You can contact us via email at support@wollit.com.

17.2. Whilst you are a subscriber you agree that we may contact you for the purposes of providing information in relation to the Credit Score Builder Service by sending an email to the to the email address you have given us, by SMS message or telephone call to the mobile number you have given us, by post to the mailing address you have given us, or by push notification to your mobile device (where you consent to receive these). We will not use these for the purposes of marketing unless we have your express permission to do so.