Terms & Conditions

 

Our Terms

What follows below are important points which You need to consider about flexibledebtsolutions.co.uk and the service We provide. Please ensure You are happy with these Terms and the service We offer, before filling in Our form online
If, after reading Our terms and conditions, You do not agree with the content then please do not use our service

Definitions

“Terms” means these terms and conditions;
“Users” means the users of the Website collectively;
“User Information” means the details provided by You on any application via the Website;
“Iframe” means Our hosted form which is used by flexibledebtsolutions.co.uk that it is embedded within;
“We/Us/Our” means Ground Zero Group Ltd;
“Website” means the Website or any subsequent URL which may replace it which is used to access Our form;
“You/Your/Customer” means a user of the Website.
“Service” means the process in which flexibledebtsolutions.co.uk matches Your plan enquiry with a IVA Provider and/or broker of IVA’s Providers.

About us

flexibledebtsolutions.co.uk is owned by Ground Zero Group Ltd, registered in England and Wales (Company number 10531030) and who is regulated by the Information Commissioners Office (registration number Z3530733).

Our service

We are not a IVA Plan Provider and therefore cannot offer You a IVA plan directly. Instead, We provide an online, IVA plan application service.

We will introduce you to IVA plan providers registered with to act as Insolvency Practitioners and registered with the Insolvency Practitioners Association as well as brokers who offer plans with those same providers

By submitting an application through Our Online Application form You will be giving Your consent for Your application to be sent to these third parties.

We will present Your application to the third party, however it is important to understand that there is no obligation for You to take up the IVA Plan with them.

We are paid a fee based on passing on Your application to the third party, once a form submission on our website has been applied.

You should read their conditions carefully and make a responsible decision on whether You believe their service is right for You.

Information about You (including Your visits to the Website)

We will only process information about You in accordance with the privacy policy. When You use Our website and form You consent to us processing Your personal information and therefore warrant that all information/data provided by You is accurate and correct.

Intellectual property rights

The copyright and material on this website & form is owned by Ground Zero Group Ltd and is protected by the copyright and trademark laws of the United Kingdom. You are permitted to copy any such information for Your own personal use but may not republish, store or reproduce any such information in any manner, including but not limited to electronic reproduction, without the prior written consent of Ground Zero Group Ltd.

Any unauthorised downloading, retransmission, or other copying or modification of any of the contents of this form may be in breach of statutory or common law rights which could be the subject of legal action. flexibledebtsolutions.co.uk disclaims all liability which may result from any unauthorised reproduction or use of the information on this form.

Viruses

We do not guarantee that our Website will be secure or free from bugs or viruses.

You are responsible for configuring your information technology, computer programmes and platform in order to access our Website. You should use your own virus protection software.

You must not misuse our Website or knowingly introduce viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not attempt to gain unauthorised access to the Website, the server on which our site is stored or any server, computer or database connected to our site. You must not attack our Website via a denial-of- service attack or a distributed denial-of service attack. We will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use the Website will cease immediately.

Limitation on our liability

Nothing in these Terms excludes or limits our liability for death or personal injury arising from our negligence, or our fraud or fraudulent misrepresentation, or any other liability that cannot be excluded or limited by English law.
The Website is for your personal use only and we shall 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.
You use the service and the information and material on the Website at your own risk. We shall not be liable for any claims, losses, injuries, penalties, damages, costs or expenses arising from the use of, or inability to use the Website or content or from any action taken, or omitted to be taken, as a result of using the Website or its content.

Applicable law

These Terms are governed by and construed in accordance with English law. By accessing the Website you agree to accept the exclusive jurisdiction of the English Courts in relation to any dispute that may arise in connection with these Terms or your use of the Website.

Complaints

We endeavour to make every effort to ensure Our service to You is excellent; however, if You wish to make a formal complaint, please send Your complaint via email or by writing to the following address:

Email us at [email protected]

or write to:

flexibledebtsolutions.co.uk (Ground Zero Group Ltd), 27 Old Gloucester Street, London WC1N 3AX.

The Data Protection Act and the Data Protection Bill, which enacts the General Data Protection Regulation in UK law, requires companies and individuals who process and retain information about their customers to tell the customer how the information will be used and to what purposes it will be put. The Act does not restrict itself only to information kept on a computer; it is relevant to any ordered filing system. The information below describes how your data will be processed. We will not use your personal data in any other way without first informing you.

The collection of an individuals contact details and name, is used to allow FCA regulated third-party partners who specialise in debt consolidation, to contact the individual in order to support an application for an IVA or DMP.  We only collect this data through submissions of an individual’s information through our site. We are happy to remove this individual’s personal information at any point requested. If you would like us to remove your information, please contact [email protected]

Providing you have given us your explicit consent, we may also use and disclose your personal information to:

• A lender or lenders in accordance with your application.

• Another broker if the first we refer you to cannot help

• Permit access to your information by any regulatory authority where required by law (consent not required) and to ensure that we are complying with all regulatory requirements when processing your data.

• Other legal authorities if required by law.

• Contact you in the future to offer you products or services that we feel may be of interest to you, if you have given us your explicit consent.

• Fraud prevention agencies to prevent fraud and money laundering.

Enable us to pass your details onto selected third parties with a view to them offering you their services in the following financial markets only;

• Regulated claims management activities

• Life insurance

• Private Medical Insurance

• Funeral and estate planning

• Pensions

• Mortgages

• Secured and unsecured loans