WEBSITE TERMS AND CONDITIONS OF USE

Last updated: 7 September 2026

1. ABOUT THESE TERMS

These terms and conditions (the Terms) govern your use of the Credit Insurance News website, its online Digests and its related services (together, the Website).

Credit Insurance News is operated by Sally Brown, a sole trader trading as Credit Insurance News. It publishes two online Digests: Credit Insurance News Digest and Credit Management News Digest. Credit Management News is not a separate publication or business. In these Terms, I, me and my refer to Sally Brown. You and your refer to any person or organisation accessing the Website, subscribing to a Digest, submitting material or purchasing a service.

By using the Website, you agree to these Terms. If you do not agree to them, you should not use the Website.

These Terms should be read together with the Disclaimer, Privacy Notice and Cookie Policy. Any paid advertising, sponsorship, vacancy, event or other commercial booking may also be subject to a written booking confirmation or other agreed terms. If there is a conflict, the booking-specific terms will take priority in relation to that booking.

2. ACCESS TO THE WEBSITE

Access to the Website is provided on a temporary basis. I may change, suspend, restrict or withdraw any part of the Website or its content where reasonably necessary, including for maintenance, security, operational or editorial reasons.

I do not guarantee that the Website or any content will always be available, uninterrupted or free from errors. I will not be liable merely because any part of the Website is unavailable at a particular time or for a particular period, subject always to the liability provisions below.

You are responsible for ensuring that anyone who accesses the Website through your internet connection is aware of these Terms and complies with them.

3. EDITORIAL CONTENT AND DISCLAIMER

Credit Insurance News publishes two online Digests: Credit Insurance News Digest and Credit Management News Digest. Both primarily contain independently written summaries of news, reports, research, forecasts and announcements originally published by third parties. They may also contain contributed material, advertisements, sponsorship, job vacancies, event listings and offers.

Summaries are necessarily selective and condensed. They may not contain every qualification, explanation or item of context included in the original material. You should consult the linked original source and verify relevant information before relying on a summary.

All content is provided for general information and editorial purposes only. It does not constitute legal, financial, investment, insurance, credit, insolvency, accounting, tax, regulatory, employment or other professional advice.

The separate Disclaimer forms part of these Terms and explains the basis on which content is prepared and published, as well as the limitations applying to its use.

4. SUBSCRIPTIONS AND EMAIL DIGESTS

You must provide accurate and current information when subscribing to a Digest or registering for any service. You must not subscribe another person without their authority.

Digest subscriptions are intended for the named recipient. You may share links to publicly available Digest pages, but you must not reproduce or redistribute the Digest's original editorial content except as permitted by law or with prior written permission.

You may unsubscribe from a Digest at any time by using the unsubscribe link in the relevant email or by contacting sally.brown@creditinsurancenews.co.uk.

I may suspend or cancel a subscription where an email address repeatedly fails, where the service is misused or where these Terms are breached.

The handling of personal data relating to subscriptions is explained in the Privacy Notice.

5. EXTERNAL LINKS AND THIRD-PARTY MATERIAL

Links to external websites are provided for information and convenience. I do not control third-party websites and am not responsible for their content, accuracy, availability, security or privacy practices.

The inclusion of a link does not necessarily constitute an endorsement of the website, organisation, product, service or views concerned. External websites may change, move or become unavailable without notice. If you access an external website, you do so subject to that website's own terms and policies.

Information published by third parties may be corrected, amended or withdrawn after a Digest has been published. I am not responsible for subsequent changes to external material.

6. ADVERTISEMENTS, SPONSORSHIP, VACANCIES AND EVENTS

The appearance of an advertisement, sponsorship, vacancy, appointment, event, offer or other promotional material does not by itself constitute an endorsement, recommendation or guarantee by Credit Insurance News or Sally Brown.

Advertisers, sponsors, recruiters, employers, event organisers and other third parties are responsible for the accuracy, legality and availability of the information and claims they supply. You should verify relevant information directly with the organisation concerned before purchasing a product or service, applying for a vacancy, attending an event or entering into any other arrangement.

I am not a party to any contract or relationship subsequently formed between a Website user and an advertiser, sponsor, employer, recruiter, organiser or other third party.

No guarantee is given that advertising, sponsorship or a listing will generate any particular number of impressions, clicks, enquiries, applications, sales or other result unless a specific written guarantee has been agreed.

7. PAID SERVICES AND BUSINESS BOOKINGS

Paid advertising, sponsorship, vacancy listings, event promotions and related services are supplied on a business-to-business basis unless expressly agreed otherwise.

If you make a booking on behalf of an organisation, you confirm that you have authority to bind that organisation.

A booking becomes binding when it is confirmed in writing. Its price, duration, position, publication date, material deadline, payment terms and any cancellation or rescheduling arrangements will be those stated in the booking confirmation, rate card, invoice or other written agreement.

You are responsible for supplying complete and suitable material by the agreed deadline and in the required format. If material is supplied late, I may need to postpone or omit the placement. Any resulting extension, rescheduling, cancellation or refund will be dealt with in accordance with the booking-specific terms or otherwise agreed in writing.

I may refuse, postpone, remove or require changes to material that I reasonably consider unlawful, misleading, defamatory, technically unsuitable, inconsistent with the character of Credit Insurance News or likely to damage the reputation of the Website or its readers. Where reasonably practicable, I will explain the reason and allow an opportunity to provide replacement material.

8. MATERIAL YOU SUPPLY

If you submit text, images, logos, advertisements, vacancy details, event information or other material for publication, you confirm that:

the material is accurate in all material respects and is not misleading;
you have the authority and all necessary rights, permissions and licences to supply it for the agreed use;
its publication will not infringe another person's copyright, trade mark, privacy, confidentiality or other rights;
it is not defamatory, unlawful, discriminatory or otherwise prohibited; and
it complies with applicable advertising, marketing and regulatory requirements.

You retain ownership of any copyright that you hold in submitted material. You grant me a non-exclusive, worldwide and royalty-free licence to reproduce, format, edit for house style, publish, distribute and archive that material to the extent reasonably necessary to provide the agreed service and promote the relevant Digest or Website.

I may make reasonable formatting, sizing, spelling and house-style amendments that do not materially alter the intended meaning. Where reasonably practicable, substantive editorial changes will be discussed with you before publication.

You remain responsible for claims arising from material you have supplied where those claims result from your breach of this section.

9. COPYRIGHT AND OTHER INTELLECTUAL PROPERTY

Copyright in the reports, articles, announcements, photographs and other underlying source material summarised or referenced by the Digests remains with its respective owners.

You may print or download reasonable extracts of original Website content for your own personal or internal business use, provided that:

the material is not modified;
any accompanying copyright or attribution notice is retained;
graphics are not used separately from their accompanying text; and
the material is not reproduced, republished, sold or distributed to others.

Except as permitted by law or expressly allowed by these Terms, you must not reproduce, republish, redistribute, transmit, sell, license, systematically extract or commercially exploit original Website content without prior written permission. You must not use automated means to build a competing publication, mailing list, database or content service from the Website.

Links to publicly available Website or Digest pages are welcome, provided that the link is lawful and accurate, does not reproduce or frame the content and does not suggest any endorsement, approval or commercial relationship that does not exist.

Nothing in these Terms restricts any use permitted by copyright law, including an applicable fair-dealing exception.

All third-party names, logos and trade marks appearing on the Website belong to their respective owners. Their appearance does not grant you a licence to use them.

If you believe that material on the Website infringes your copyright or other intellectual-property rights, please contact sally.brown@creditinsurancenews.co.uk, identifying the relevant material, its location and the basis of your claim.

10. ACCEPTABLE USE

You must use the Website only for lawful purposes. You must not:

use the Website in a way that breaches applicable law or regulation;
introduce viruses, malicious code or other harmful material;
attempt to gain unauthorised access to the Website, its hosting environment or connected systems;
interfere with, damage, overload or disrupt the Website;
use information obtained from the Website to send unsolicited marketing or other unlawful communications;
impersonate another person or misrepresent your identity or authority; or
use the content in a way that infringes intellectual-property, privacy, confidentiality or other legal rights.

I may restrict or block access where I reasonably believe these Terms have been breached or the Website is being misused.

11. PRIVACY AND COOKIES

Personal data is handled in accordance with the Privacy Notice. Information about the cookies and similar technologies used by the Website is contained in the Cookie Policy.

You should read both documents before providing personal information or changing your cookie preferences.

12. WEBSITE SECURITY

Reasonable steps are taken to maintain the security of the Website, but I do not guarantee that it, its servers, downloads or external links will be secure or free from viruses or other harmful components.

You are responsible for configuring your devices, software and security protections appropriately and for maintaining your own backups.

13. LIABILITY

Nothing in these Terms excludes or limits liability for:

death or personal injury caused by negligence;
fraud or fraudulent misrepresentation; or
any other liability that cannot lawfully be excluded or limited.

Subject to the paragraph above and to the fullest extent permitted by law, I will not be liable for any indirect or consequential loss, or for any loss of profit, revenue, business, contracts, anticipated savings, opportunity, goodwill, reputation or data arising from or connected with use of the Website or services.

In relation to content and services made available without charge, I will not be liable for loss or damage arising from reliance on content, errors or omissions, subsequent changes to source material, external links, third-party material or the unavailability of the Website, except where such liability cannot lawfully be excluded.

For a paid service, my total aggregate liability arising from that service will not exceed the amount paid or payable for the specific booking or service giving rise to the claim during the 12 months preceding the event complained of. This limitation does not apply to any liability listed in the first paragraph of this section.

Nothing in these Terms affects any statutory rights that cannot legally be excluded or restricted.

14. COMPLAINTS AND CORRECTIONS

If you believe that published content contains a factual error, infringes your rights or otherwise gives cause for concern, please contact sally.brown@creditinsurancenews.co.uk. Please identify the relevant Digest or page, its publication date and the material concerned, and provide sufficient information for the matter to be reviewed.

Content may be corrected, clarified, updated or removed where appropriate.

General complaints may also be sent to:

Sally Brown
Credit Insurance News
27 Westmount Close
Worcester Park
Surrey KT4 8FL
United Kingdom

15. CHANGES TO THESE TERMS

I may revise these Terms when reasonably necessary to reflect changes to the Website, services, business practices or applicable law. The revised Terms will take effect when published on the Website. The date at the top of this page indicates when they were last updated.

Changes will not retrospectively alter a confirmed paid booking unless agreed with the customer or required by law.

16. GENERAL PROVISIONS

If any provision of these Terms is found to be unlawful, invalid or unenforceable, that provision will be treated as removed or limited to the minimum extent necessary. The remaining provisions will continue in effect.

A delay or failure to enforce a right under these Terms does not waive that right.

You may not assign or transfer your rights or obligations under these Terms without my prior written consent. I may transfer my rights and obligations as part of a sale or transfer of the business, provided that this does not reduce any rights you already have in relation to a confirmed paid service.

Except as expressly stated, no person other than you and Sally Brown has any right to enforce these Terms under the Contracts (Rights of Third Parties) Act 1999.

These Terms, together with the documents expressly referred to in them and any applicable booking-specific agreement, contain the entire agreement relating to their subject matter.

17. GOVERNING LAW AND JURISDICTION

These Terms and any dispute or claim arising from them are governed by the law of England and Wales.

If you are acting in the course of business, the courts of England and Wales will have exclusive jurisdiction. If you are acting as a consumer, you retain any mandatory rights you may have to bring proceedings in the part of the United Kingdom in which you live.

18. CONTACT DETAILS

Publisher: Sally Brown, a sole trader trading as Credit Insurance News
Address: 27 Westmount Close, Worcester Park, Surrey KT4 8FL, United Kingdom
Email: sally.brown@creditinsurancenews.co.uk