Please could customers contact us via email in the first instance whilst we make changes in response to covid-19. There will be more email cover than telephone cover and you may receive a response more efficiently via email.

Thank you for your patience and understanding.

Terms & Conditions


The information below contains important points which You need to know about Leadtech Ltd t/a Knowso.co.uk and the service We provide. We request that You read the following Terms and Conditions prior to using this form, to ensure that You are satisfied with the service that We can offer You.

Definitions

“Leadtech” means Leadtech Limited

"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

"We/Us/Our" means Leadtech Ltd

"Website" means the Website or any subsequent URL which may replace it which is used to access Our service

"You/Your/Customer" means a user of the Website

By using this Site, You are agreeing to comply with and be bound by the following terms of this Agreement. Please review the following terms carefully. If You do not agree to these terms, You have no right from Leadtech to obtain Information from or otherwise use this Site. In the event You fail to use this Site in accordance with the terms below We reserve Our right to take legal action or to report any mis-use to the relevant authorities.

As We will be providing a service to You, We will therefore have no obligation to any other party, only You. Please also be aware that if a third party uses Our services on behalf of You, Our obligation will still be with You being Our Customer. Furthermore, the Terms and Conditions will also relate to You, Our Customer, and not with any other third parties.

This Agreement constitutes the entire and only agreement between us and You, and supersedes all prior or contemporaneous agreements, representations, warranties and understandings with respect to the Site, the content and software programs provided by or through the Site, and the subject matter of this Agreement. This Agreement may be amended at any time by us without specific notice to You. The latest Agreement will be posted on the Site, and You should review this Agreement prior to each use of the Site.

If, after reading Our Terms and Conditions, You do not agree with the content then We request that You do not use Our service.

  1. Introduction
  2. This site, Knowso.co.uk is a trading style of Leadtech Ltd, Registered in the UK 10361718. Registered address: Leadtech Ltd, 61 Bridge Street, Kington, HR5 3DJ. Registered with the Information Commissioner's OfficeZA205487. For financial products, Leadtech Ltd is an Appointed Representative of MediaBlanket Ltd and they are authorised by the Financial Conduct Authority with Firm Reference Number 723605.

  3. Our Services
  4. You need to apply online at www.Knowso.co.uk and create an account with Us in order to receive the Social Reporting Services. On completion of the online application form, and the successful submission of Your payment details, You will be presented with an onscreen message confirming whether or not Your application has been successful.

    You will be required to successfully pass an authentication process before you are granted access to Our services.

    Unfortunately, not every applicant for the Social Reporting Services will be accepted as a user. There is no obligation on Us to notify You as to why You have not been accepted. However, possible reasons for this include:

    • At the time of application, we may have not been able to match Your personal details to the correct social report
    • You did not have enough of a social history on Your file to provide a social report

    Social Report

    The social report will be provided to You online. This will be updated when You log into Your

  5. FEES
  6. As communicated at the time of Your application, to access the Social Reporting Service a fee will be payable by a recurring card payment to Leadtech Ltd. The description of this charge may vary on Your bank statement depending on Your Bank.

    If required, at the time of application, an initial payment will be payable immediately, or on the date which has been specified in Our offer to You (e.g. 14 days after signing up if a free trial period has been offered). The monthly fee will then be payable on the same day each month, as per the original billing. A pre-authorisation charge for the amount of £1.00, or the amount equal to Your recurring monthly subscription price may also be charged to Your card.

  7. CANCELLATION
  8. Once You have received the on-screen message that Your application has been successful, Your contract for the Social Reporting Service commences.  If, as part of the application process, You are asked to submit some documents to Us, as part of the application process, Your contract for the Social Reporting Services commences on the day that We are able to successfully verify Your identity using those documents.

    You may cancel or terminate this agreement at any time by calling us on 0161 7111009 or by notifying us in writing at: Cancellations, Leadtech Ltd t/a Knowso.co.uk, 61 Bridge Street, Kington, HR5 3DJ.

    A member may request a refund at any time by contacting us at the above-mentioned telephone number or address. PLEASE NOTE - Refunds will only be granted in the case of fraud, and/or in the event of Our partial or total non-performance, or inadequate performance of failure to deliver the agreed upon service to the member.

    If the member has used the services (i.e. signs up to Knowso.co.uk using a credit or debit card and validates themselves), then the services have been determined and agreed to have been rendered. As such, except in the events as referenced above, the ability to demand a full refund for services rendered have been forfeited by You. For the avoidance of doubt, services have been delivered for that day and month, and every day and month thereafter as soon as a sign up occurs, until the membership is cancelled.

    A refund may be requested by the member at any time by contacting us at the above referenced number or by mailing us at the above-mentioned address. Refunds will be given only in the cases of fraud, and/or in the event of Our partial or total non-performance or inadequate performance of failure to deliver the agreed upon services to the member (i.e. site failure or service failure). If the member uses the services (i.e. signs up using a credit and or debit card and validates themselves) then services have been determined and agreed to have been rendered and therefore except in the circumstances referenced above, You forfeit the ability to demand a full refund for services rendered. For avoidance of doubt as soon as a sign up occurs for the membership, services have been delivered for that day and month and every day and month thereafter until membership is cancelled.

    Apart from where there are serious grounds for doing so without notice, We reserve the right to terminate this agreement (cancel membership), by giving You one Week’s notice. Should this happen, We will only credit Your credit or debit card for the amount equivalent to the remaining days in the month i.e. pro-rata. For the avoidance of doubt We will not refund Your card for the entire charges of the month(s) or any charges for previous months. This is because the service was active and being used.

    Upon Your membership being terminated, We will not be required to continue to provide the outlined service to You after the termination of Your membership.

    If You choose to contact Us to cancel Your Membership within a valid Free Trial Period, Your Membership will end at the expiration of that Trial Period if You serve this cancellation request via a telephone call or email; if You serve Your cancellation request via post and Your request is received after the date that Your first payment is due, We will have attempted to take this payment. If We receive this payment and You believe You should be entitled to a refund, please see our Refund Policy for further information.

    If You choose to terminate this Agreement (and cancellation of Membership) outside of any valid Free Trial Period, You must do so by providing Us with one Week’s notice. Termination of this Agreement (and cancellation of Membership) will be effective within 1 Week of the receipt by us of the Member's cancellation request or Our notice to the Member. Your Membership will remain active until the end of the current payment period and no further payments will be taken other than any outstanding payments. Any outstanding payments will remain as owed and we reserve the right to continue to attempt to take payment.

    If the termination of Membership is received within a Trial Period, no Membership Fees will have been paid or will be payable by the Member, therefore no Membership Fees will be re-credited to the account of the affected Member. If the termination is at any time after the Trial Period, apart from Membership Fees that are already due, no further Membership Fees will be owed. The Member will not be entitled to a refund of any past Membership Fees charged to account of the Member (excluding cases where there has been inadequate performance by Us), and all access, use of or benefit of the Membership (including the Social Reporting Service) will cease. Please see our Refund Policy for further information.

    In order that We meet Our obligations under data protection regulations, please confirm the following information when contacting Us:

    Full Name

    Email Address that you used to register for your account; we cannot locate you in our records if you provide a different email address

    Mobile Number that you used to register for your account

    The Post Code that you used when registering

  9. MEMBERSHIP FEES AND CONTINUOUS PAYMENT AUTHORITY
  10. By signing up, and agreeing to be a Member of our services, you are providing us with a Continuous Payment Authority (“CPA”), to allow us to collect repayments automatically from your bank account using the debit or credit card that you provided for this purpose.

    You may be entitled to a Trial Membership Period, the details of which are located on the website that you were shown or marketed to at the time of your initial sign up to be a Member of our services. In accordance with Our Terms of Use, located above, or the link at the bottom of the website named Refund Policy, a Member can cancel anytime.

    Following the completion of the Trial Membership Period, a monthly Membership Fee of £19.99 will be applicable. If you were not entitled to a Trial Membership Period, the monthly Membership Fee remains £19.99.

    The monthly Membership Fee is payable in advance and will be automatically charged at the end of the Trial Period, or renewal by use of CPA. At the end of your trial period your card will be charged the fixed amount (£19.99) every month until cancelled.  An email notification will be sent to the email address you have provided. You can cancel your membership and stop the monthly billing by contacting us via the methods outlined above. You will not be eligible for a pro-rated refund of your current month’s membership fee.

    In the event that your payment of billing source is unable to process the membership fee or is no longer in good standing as a result of insufficient available credit of funds, at our discretion, we may divide the total membership fee into incremental charges in order to process the total membership fee, and keep you membership enabled.

    Should the attempt for the charge of the Membership Fee at the end of the Trial Period or renewal be unsuccessful, we shall make immediate attempts on that day to contact you by phone and / or email and / or text message to find out why you have been unable to meet the obligations of your Membership Fee.

    In the instance that we are unable to determine a method for you to pay your membership fees, we shall use CPA to make up to seven (7) further attempts for the full membership fee. The seven further attempts will last over a maximum of thirty (30) days. Specific details of billing days can be provided on request. During this time, your access to the Service may be suspended pending receipt of the Membership Fee.

    Until payment has been received in full, an alternative payment plan has been agreed or the limit of 7 further attempts has been reached (at which point Membership is terminated) the attempts as set out above will continue.

    To cancel this CPA, you may ask us to cancel this using the contact details provided above, or by contacting your bank directly. Cancellation of the CPA is effective from the date we receive the notification so please contact us even if you cancel through your bank. You may lose access to the service.

    Knowso.co.uk and Leadtech Ltd may increase or decrease the Membership Fee on fourteen days’ notice on the website and via notice by email or letter to the Member. If we need to increase or decrease the frequency of attempts of the CPA we will try to contact you to obtain consent and explain the reasoning behind any changes. If the Member does not agree with any such change, the Member may terminate this Agreement by:

    • calling us on 0161 7111009
    • emailing on hello@Knowso.co.uk
    • writing to us at Customer Services, Knowso, c/o Leadtech Ltd, 61 Bridge Street, Kington, HR5 3DJ

    During this time, Your access to the Service may be suspended pending receipt of the Membership Fee.

    Until payment has been received in full, an alternative payment plan has been agreed or the limit of 5 further attempts has been reached (at which point Membership is terminated) the attempts as set out above will continue.

    To cancel this CPA, You may as us to cancel this using the contact details provided above, or by contacting Your bank directly. It is important to note that if You do cancel, You will still owe any outstanding membership fees as agreed, and Your access to the Service will be terminated. Cancellation of the CPA is effective from the date We receive the notification.

    Knowso.co.uk and Leadtech Ltd may increase or decrease the Membership Fee on fourteen days' notice on the Website and by notice by email or letter to the Member. If the Member does not agree with any such change, the Member may terminate this Agreement by:

    • calling us on 0161 7111009
    • emailing on hello@Knowso.co.uk
    • writing to us at Customer Services, Knowso, c/o Leadtech Ltd, 61 Bridge Street, Kington, HR5 3DJ

    If a Member chooses to send their cancellation by post, a charge may be incurred if the cancellation is received outside of any valid Trial Period that may have been associated with the Member’s Membership; we may provide a refund with reference to the date stamp appearing on the envelope at our sole discretion, otherwise the full month’s Membership Fee will be chargeable and only then will the cancellation take effect.

  11. INTELLECTUAL PROPERTY & LIMITED RIGHTS OF USE
  12. All the copyright and material on this Website is owned by Leadtech Limited 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 Leadtech Limited.

    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. Leadtech Limited disclaims all liability which may result from any unauthorised reproduction or use of the information on this form.

  13. SITE ACCESS
  14. At Our sole discretion, We reserve the right to change, edit or delete any information, document or any other content appearing on the Site. Your right to use the Site is not transferable, and any right or password provided to You to obtain details or documents from the Site is not transferable. All information must be treated as confidential by You, and its disclosure to any third party is not permitted. If in Our opinion, You have failed to comply with any of the provisions in this Agreement, whether chosen by You or allocated by Us, We reserve the right to disable any password, at any time.

  15. OUR LIABILITY AND DISCLAIMERS
  16. As far as is reasonably practicable, We will endeavour to ensure the accuracy of any material displayed on Our site.

    Under no circumstances will Leadtech Ltd or its third-party partners or agents or employees therefore be liable to Your or anyone else for action taken or decision made by relying on the information on this Site or for any special, consequential or similar damages.

    A social report is an indication of Your social position. If using Your social report to obtain credit, You must ensure that You are able to afford to make the repayments when they are due.

    We will not be liable (other than negligent or fraudulent misrepresentations) for any economic losses (including without limitation loss of data, contracts, revenues, profits, business or anticipated savings), loss of reputation, or indirect or special losses suffered or incurred by You.

  17. LINKS TO OTHER WEBSITES
  18. The Site may contain links to third-party Websites. Such third-party links are only provided as a convenience to visitors of the Site, and the inclusion of a link does not imply approval or endorsement of the linked site by Us. We are not responsible for the content, privacy policies, available computer programs or opinions expressed on these Websites, and nor do We control, investigate, monitor or check such Websites.

    We are unable to guarantee or warrant the content and/or accuracy of third-party links displayed and/or accessed from Our site and no representations are made by Us as to the accuracy or any other aspect of the information contained in other sites.

    Should You leave the Site and access any third-party Websites, this is done at Your own risk and You should refer to the Websites' terms and conditions, including their privacy policy, prior to using their services or submitting any personal data to them.

  19. SITE SECURITY
  20. No responsibility is accepted by Us for the corruption or loss of any material in transit, or the corruption or loss of any material when downloaded onto any computer system.

    You must not misuse Our site by knowingly introducing any malicious or technologically harmful material, including but not limited to, trojans, logic bombs, trojans or viruses. You must not attempt to gain unauthorised access to Our Site, the server where Our Site is stored, or any other server, database or computer connected to Our site. You must not attack Our site via a distributed denial-of-service attack or a denial-of-service attack.

    Should You mis-use Our Site and if We believe that offences may have been committed under the Computer Misuse Act 1990, We may inform the relevant authorities and bring legal action.  Where such a breach is reported by Us to the relevant law enforcement authorities, We will co-operate and disclose Your identity to them. We do not accept any responsibility for any connection or equipment failures which affect Your access to / use of the site, or for security of the same.

    The security of Your own computer systems and the transfer of any information from it is Your responsibility.

  21. PRIVACY
  22. Our Privacy Policy applies to the use of Our Site and its terms are made a part of this Agreement by this reference.

    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. Please familiarise Yourself with the details within Our Privacy Policy prior to submitting Your application.

  23. SITE INFORMATION
  24. The Site contains Information about Us, Our business and Our services, including links to third-party Websites that contain such Information, which are being provided as a convenience to visitors of the Site.

    At the time the Information was prepared by Leadtech Ltd, it was believed to be accurate, however, We disclaim any obligation or duty to update any Information. Any information concerning companies other than Leadtech Ltd should not be relied upon as being endorsed or provided by Us.

    Any opinions expressed in any Information, including by employees and agents of Leadtech Ltd, are those of the author(s) and do not necessarily reflect those of Leadtech Ltd.

    In regard to Information contained in links to third-party Websites, please refer to Links to other Websites above.

  25. SITE VISITOR COMMUNICATIONS
  26. Unless stated otherwise by Us, all feedback, comments, information or materials that You submit via or in association with the Site are considered non-confidential. By submitting feedback, comments, information or material to Us:

    • You grant Leadtech Ltd all necessary rights, including a waiver of moral and privacy rights to use all feedback, comments, information or materials, wholly or partly, or as a derivative work, without any obligation or consequential duty arising on Leadtech Ltd to anyone whatsoever
    • You warrant and represent that You have all rights to enter into this Agreement
    • You warrant and represent that Leadtech Ltd’s use of Your submission will not and does not breach any agreement, infringe any third party’s rights or violate any law

    Leadtech Ltd does not accept any unsolicited works, ideas or other materials and You acknowledge that You are responsible and bear all risk to the distribution or use of any works, ideas or materials.

    We prohibit the scraping of email addresses from any Leadtech Ltd Website (all areas of this site) and We expressly opt out of from receiving commercial emails to Leadtech domain email addressed that were obtained by violating the above or through the use of automatic address generation software.

  27. ELIGIBILITY
  28. The Information contained in this Website is subject to the UK regulatory regime and is therefore intended for consumers based in the UK. This site is available to UK Residents only aged 18 years and over and information contained on Our Site does not amount to an invitation to clients who are under 18 to buy any services or products and/ or are not a UK resident.

    By registering on the Site and applying to use the Social Reporting Services, You confirm that You meet these requirements.

  29. COMPLIANCE
  30. The Form may only be used for lawful purposes and in a lawful manner. You agree to comply with all applicable laws, statutes and regulations regarding the Form and its use. You agree not to upload or transmit through the form: any computer viruses or anything else designed to interfere with, interrupt or disrupt the normal operating procedures of a computer; and any material which is defamatory, offensive or of an obscene character.

  31. JURISDICTION
  32. The Website & Form is controlled and operated in the United Kingdom. These Terms and any non-contractual obligations arising out of or in connection with these Terms will be governed by the laws of England and Wales and You irrevocably agree to submit to the exclusive jurisdiction of the English courts.

    All communication with You will be in English.

  33. COMPLAINTS
  34. 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, telephone or post:

    Email: hello@Knowso.co.uk

    Telephone: 0161 7111009

    Post: The Compliance Manager, Leadtech Limited t/a Knowso.co.uk, 61 Bridge Street, Kington, HR5 3DJ

    We will issue a final response to You within 8 Weeks of Us receiving Your complaint. If You are unhappy with Our response or have not received Our final response after 8 Weeks You may refer Your complaint to: Information Commissioner’s Office, Wycliffe House, Water Lane, Wilmslow, Cheshire, SK9 5AF. (If your complaint is related to data protection and data use matters.)

    Complaint Resolution: We have a complaint-handling process, which includes alternative dispute resolution (a process where an independent body considers the facts of a dispute and seeks to resolve it, without You having to go to court). If You are not happy with how We have handled any complaint, You may want to contact the statutory alternative dispute resolution provider for data protection in the UK – the Information Commissioner’s Office. The regulator will not charge You for making a complaint and if You are not satisfied with the outcome You can still take matters further. The contact details for the Information Commissioner’s Office are:

    Information Commissioner’s Office

    Wycliffe House

    Water Lane

    Wilmslow

    SK9 5AF

    Tel: 0303 123 1113

    Website: www.ico.org.uk

    Online Dispute Resolution Platform: You may also complain using the European Commission’s Online Dispute Resolution platform. This is an online facility designed to help consumers to resolve complaints they have, where they have bought goods and services online. This platform can be accessed via the following link: https://Webgate.ec.europa.eu/odr.

  35. SUMMARY OF YOUR KEY LEGAL RIGHTS
  36. The below is a summary of Your key legal rights. These are subject to certain exceptions. For detailed information please visit the Citizens’ Advice Website www.citizensadvice.org.uk or call 03454 04 05 06. In relation to services the Consumer Rights Act 2015 states:

    • You can ask us to repeat or fix a service if it’s not carried out with reasonable care and skill, or get some money back if We can’t fix it;
    • If You haven’t agreed a price upfront, what You’re asked to pay must be reasonable
    • If You haven’t agreed a time upfront, it must be carried out within a reasonable timeframe

Last updated: 18th February 2020

I acknowledge and hereby agree to the terms & conditions of this Website.