1. Information about us
This website is owned and operated by Apex Credit Management Limited, a company registered in England and Wales at Companies House. Our registered office is Apex Credit Management Limited, Buckingham Road, Brackley, Northamptonshire, NN13 7DN and our registered number is 3967099. Our VAT number is 927 5604 09. Apex Credit Management Limited, part of the Cabot Credit Management Group, is authorised and regulated by the Financial Conduct Authority.
2. Use of this website
This website is only intended for use by individuals who Apex Credit Management has contacted in connection with repayment of an outstanding balance. It is made available for your non-commercial use to assist you with managing your finances.
To access this website you will need to log-in using the unique reference number we have provided to you or such other log-in details that we provide to you from time to time as part of the registration process for this website (e.g. username, password). You are responsible for maintaining the confidentiality of your log-in details. You should contact us as soon as possible if you believe that anyone has obtained your login details without your permission or if you become aware of any other breach of security on this website.
We will not be responsible to you if there is unauthorised access to your login details or unauthorised activity on this website as a result of your login details becoming known by someone else, unless this is due to our negligence.
This website allows you to make payments towards your debt by credit/debit card, with a minimum payment of £5. When you submit your payment details on this website you will receive on-screen confirmation of whether or not your payment has been accepted. Your payments are processed by our appointed provider(s) of online payment processing services.
You must take care not to do anything that could harm this website or the computer systems which host this website.
3. Our liability to you
- personal injury or death resulting from our negligence;
- any other matter for which it would be illegal for us to exclude or limit or to attempt to exclude or limit our liability.
While we try to ensure that this website is functioning correctly this may not always be achievable. We cannot guarantee that this website will be available all the time or at any specific time.
In particular, we do not accept liability for any charges, interest or other costs whatsoever which you may incur in connection with a debt as a result of you having been unable for any reason to access this website, including but not limited to your inability to obtain information, manage your account or contact us via this website. In the event that you are unable to access this website you can contact us by telephone, post or email to carry out these tasks.
We work with our provider of web-hosting services to ensure that this website is 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 safeguard your computer.
We do not guarantee that this website will be compatible with all or any hardware and software which you may use.
We are not responsible to you for losses which you suffer due to any event beyond our reasonable control.
Our liability to you shall not in any circumstances include any business losses that you may incur, including but not limited to lost business data, lost profits or business interruption.
4. Information on this site
Except in respect of information specifically relating to your debt or payments:
- the information contained on this website is given for general information and interest purposes only;
- whilst we try to ensure the information contained on this website is accurate and up to date, we cannot be responsible for any inaccuracies in the information; and
- as a result, you should not rely on this information, and we recommend that you take further advice or seek further guidance before taking any action based on the information contained on this website.
If there are any errors or omissions in the information that we make available to you on this website specifically relating to your debt or payments, we will only be liable to you for losses you suffer as a result if the relevant errors or omissions are due to our negligence.
Our liability to you as explained above remains unaffected by this.
5. Our intellectual property rights
This website and all the materials contained on it are protected by intellectual property rights, including copyright, and either belong to us or are licensed to us to use. Materials include, but are not limited to, the design, layout, look, appearance, graphics, text and documents on this website.
You may not copy, redistribute, republish or otherwise make the materials on this website available to anyone else without our written permission. We do not give you permission to do anything with this website except to browse its contents and use any facilities we make available to you.
You may print or download materials from this website provided that:
- no materials are modified in any way;
- no graphics are used separately from accompanying text;
- our copyright and trade mark notices appear in all copies and you acknowledge this website as the source of the material; and
- any person to whom you provide these materials is made aware of these restrictions.
You must not create a hypertext link from another website to any part of this website except to the log-in page unless you have our consent in writing.
If you make a contract with a third party who is named or referred to on this website, this is entirely at your sole risk and it is your responsibility to ensure that you are comfortable with the terms of that contract and to take legal advice if necessary.
7. Ending your use of this website
You are free to stop using this website and the facilities on it at any time.
8. Other information you need to be aware of
We may modify this website at any time, for instance to comply with changes in the law or to add new features. We will try as far as possible to ensure that any modifications do not reduce the quality of this website.
We reserve the right to withdraw, suspend or discontinue any functionality or feature on this website at any time.
If any disputes arise between you and us in relation to this website and you want to take court proceedings, you must do so in the courts of England and Wales.