1.1 Pave and/or Portify is the trading name of Portify Limited, company registration number: 10780281, registered and principal place of business address: 31 Great Sutton Street, London, England, EC1V 0NA (“Portify”, “us”, “we”).
Credit Spotlight Purchase
1.2 As a user of the Portify App (the “App”), you may purchase our Credit Spotlight product. This purchase gives you access to a one-off Credit Spotlight on your TransUnion credit file. By purchasing a Credit Spotlight, you confirm that you have read and agreed to these Credit Spotlight Terms (the “Terms”) together with the App Terms.
Credit Spotlight Fees
1.3 Credit Spotlight is a one-off purchase which costs £3 or free where a promotional code is provided. If no promotional code is provided, this payment will be taken on at the point of purchase.
TransUnion Credit Score & Report
1.5 You must only request your TransUnion Credit Score and Report for your own personal, non-commercial use and not on behalf of anyone else. You cannot request credit information about any third party using Portify.
1.6 TransUnion shall use its reasonable efforts to verify the accuracy of the information provided as part of TransUnion Credit Score and Report, however, TransUnion cannot guarantee that it is completely accurate. Some of this information comes from other organisations and sources, such as the electoral roll, insurance companies or financial institutions. Neither TransUnion nor any other third parties used to provide this data have any control over the content of such information and are not responsible if it turns out to be inaccurate. If you have concerns about this information, please reach out to TransUnion’s Support and Help Desk Service here.
1.7 You acknowledge and agree that all intellectual property rights in TransUnion Credit Score and Report shall be owned by TransUnion and/or its licensors.
1.8 You acknowledge that the request for a Credit Report shall leave a footprint on your credit file, which is not visible to lenders, but will be visible to you, TransUnion and any other third party you permit to view your full Credit Report. This will occur without you requesting a Credit Report.
1.9 In order to receive the TransUnion Credit Score and Report as part of the Credit Spotlight, you are submitting a request under article 15 of the UK GDPR to TransUnion via Portify.
1.10 In the event of a query or dispute in connection with your TransUnion Score and Report, please contact us via our customer support channels (e-mailing firstname.lastname@example.org or via WhatsApp on +44 7476556252) . If your query or complaint relates to the data that TransUnion holds, we may refer your query or dispute directly to TransUnion.
1.11 You understand that any information provided as part of TransUnion Score and Report is provided for guidance and information only. The fact that you have a good credit score does not mean that a lender, credit card company or other provider of financial services products will accept your application, and they have their own acceptance criteria. A credit score does not take into consideration your affordability which is separately assessed by financial services/credit providers.
1.12 You understand that your full TransUnion Report may not be displayed, relevant information will be displayed for guidance.
Taxes and other costs
1.13 Please note that there is a possibility that other taxes or costs may apply that are not paid by us nor imposed by us.
1.14 You accept and acknowledge that you are responsible for any and all tax as a result of your use of Credit Spotlight, and that Portify is not under any obligation whatsoever to inform you of your personal or corporate tax and/or reporting obligations in connection with the purchase of Credit Spotlight.
1.15 Portify may transfer its rights and obligations under these Terms to another organisation, and Portify will always notify you in writing if this happens, but this will not affect your rights or Portify's obligations under these Terms.
1.16 You shall not assign or transfer any of your rights and obligations under these Terms.
1.17 Each of the clauses of these Terms operate separately. If any court or competent authority decides that any of the clauses are unlawful or unenforceable for any reason, the remaining clauses will remain in full force and effect.
1.18 If we fail to insist that you perform any of your obligations under these Terms, or if we do not enforce our rights against you, or if we delay in doing so, that will not mean that we have waived our rights against you and will not mean that you do not have to comply with those obligations. If we do waive a missed payment by you, we will only do so in writing, and that will not mean that we will automatically waive any later missed payment by you.
1.19 No changes to these Terms can be made without a signed written agreement from you and countersigned by us.
1.20 We can decide to terminate this contract if you break it.
1.21 You have the right to cancel this contract within 14 days of its conclusion (i.e. 14 days from when you start your Portify Plus Subscription). The cancellation period expires on the 14th calendar day after the conclusion of this contract.
1.22 You are able to exercise your right to cancel by sending us a written cancellation notice to the following – Email: email@example.com, or via WhatsApp: +447476556252.
1.23 In the event that you exercise your right to cancel, we will charge you the full fee for the Credit Spotlight service you have received during the cancellation period meaning that you will not be reimbursed the £3 fee.
1.24 In the unlikely event that you are unsatisfied with the Credit Spotlight product and/or the provision of our services (or failure to provide an adequate service, as the case may be) you can lodge a complaint directly to us in writing using the following details - Email: firstname.lastname@example.org (please include the term “Complaint” in the subject heading) or via WhatsApp: +447476556252.
1.25 You can reach us via email at email@example.com or via WhatsApp: +447476556252.
1.26 We will communicate with you via WhatsApp and/or via the email address and contact information that you have provided to us.
1.27 The contract terms and conditions are communicated in English and we, upon your agreement (which shall be provided by you by virtue of entering into this contract), undertake to communicate to you throughout the duration of the contract in English.
Governing law and jurisdiction
1.28 These Terms have been constructed in accordance to English and Welsh contract law and any dispute or claim in connection with them shall be governed by and interpreted in accordance with the laws of England and Wales. Both parties agree to submit to the exclusive jurisdiction of the courts of England and Wales to settle any dispute or claims in connection with these Terms.