Terms of Use
Welcome to CCRMagazine.com and the Credit Leaders .Network, which are products of GTS Media.
These terms of use apply whether you are a registered user of or just a visitor to CCRMagazine.com and the Credit Leaders .Network or their associated websites (all of which sites are known collectively and/or individually in these Terms as the “Website”).
By accessing the Website (which includes browsing and any use, with any device or by any means) you are agreeing to be legally bound by these terms.
GTS Media may make changes to any part of the Website and may add to or change these Terms. All changes become effective as soon as they are posted. It is your responsibility to refer to the Terms whenever you access the Website.
We will not be liable if for any reason this Website is unavailable at any time or for any period.
From time to time, we may restrict access to some parts of this Website, or this entire Website, to users who have registered with us.
Other policies to read before using the website
Before using the Website please read our privacy policy and cookie policy and do let us know in the manner set out in any Policy if you do not want us to collect information about you, and to reject any cookies in the recommended way.
Who owns the website?
The Website is owned and operated by GTS Media. It is registered in England and Wales under company number 5483197, whose registered office is at “The Cellar”, 81 Cambridge Rd, Southend-on-Sea, Essex, SS1 1EP. VAT number 867762372.
GTS Media reserves the right to suspend or terminate your access to the Website at any time, with or without notice or explanation, if we believe you are violating the Terms in any way.
Rights of use
All intellectual property rights, including copyright, in the content accessible (or available for download) on the Website, including text, pictures, graphics, video, audio material, software or any other form (Content) belong to GTS Media or its licensors. All rights are hereby reserved.
Your promise to us
The Website and the Content may only be used for your personal, non-commercial use.
For this purpose alone you may retrieve and display the Content on a computer screen. You may also print out, but not photocopy, one copy of individual files on paper and store files in electronic form on disc, but not on any server or any other storage device connected to a network where the Content could be accessed by other users.
Except as set out above, you agree not to download, copy, reproduce, modify, store, archive, show in public, redistribute or commercially exploit in any way any part of the Content without the prior written permission of GTS Media.
You agree not to use the Content or the Website for any illegal or improper purpose, nor for any purpose which might infringe the rights of others, or which might harass or cause inconvenience of distress to any person.
You also agree to abide by all copyright notices and restrictions attached to the Content and not to remove any such notice or restriction, or alter the Content in any way.
If you wish to re-publish, re-distribute or exploit the Content in any way you should address a request for permission to GTS Media using the below details:
• E-mail: gary@ccrmagazine.co.uk
• Telephone: 07785 268404
GTS Media cannot guarantee that any such permission would be forthcoming or on what terms.
By registering with us you promise to;
• Open a single account in your own name
• Use an appropriate username. You must not seek to pass yourself off as someone else or pick a username which is offensive, defamatory or otherwise likely to be deemed by us to be unacceptable
• Keep your login details and password secret
• Let us know if you suspect any unauthorised use of your account
What should I know about being a registered user?
You will be able to access your registered details with your email address and password.
You will be able to keep your information up to date by logging in and updating your profile.
If you want to terminate your account, you can do so by clicking on ‘Close Account’. Please see our privacy policy for more details.
We may suspend terminate or prevent your registration at our sole discretion. This may be because, for example, we consider that you have breached or will breach these Terms or someone has reported abuse.
Where we suspend, terminate or prevent your registration, you must not attempt to re-register or submit content (e.g. using someone else’s registration), without our permission. The period of any suspension depends on all the circumstances.
What should I know about how you use my personal data?
Please see our privacy policy and cookie policy which explain what information we collect about you and how we use this. Our privacy policy also sets out how we will use your personal information in a transparent manner and make sure that you are always comfortable with what we are doing in this regard.
Links from other sites
Third parties are permitted to link to stories within the Website, using the URL and quoting the headline and the source website. Content must not be reproduced on a third party site without express authorisation from us.
A third party must ensure that nothing on its own web site suggests or could be understood to imply that any part of the Website is part of its own website unless the third party has obtained the prior written approval of GTS Media.
GTS Media reserves the right to withdraw any permission without explanation or notice if in its sole judgement use of such links is excessive or inappropriate. GTS Media also reserves the right to change the location and nature of files within the Website without explanation or notice; it is the responsibility of the third party to check and update links.
Third parties must not deep-link to, or frame or use other techniques to enclose any part of the Website.
Trademarks and Intellectual Property
The CCRMagazine.com and Credit Leaders .Network logos are registered trade marks of GTS Media or otherwise part of its intellectual property. You may not use these marks without the prior written permission of GTS Media.
Limitation of liability and indemnity
GTS Media obtains content from a wide range of sources and this content includes facts, views, opinions and information which may be of interest to users of the Website.
While all reasonable care is taken, we do not warrant the accuracy, completeness, timeliness, performance or fitness for any particular purpose of the content on the Website, nor do we endorse or accept any responsibility for any views, advice, recommendations or opinions expressed on the Website or any website to which we link. You should note that any contact or arrangements made between you and any third party named on the Website or any third party website linked from it (including without limitation any website with which we have a commercial association) is at your own risk, and to the extent permitted by law GTS Media excludes all liability.
The content on the Website should only be used for your general information and use and not by way of specific recommendation or advice.
Before taking any action or decision based in whole or in part on our content, you should always make your own independent checks of any information that is important in making such decision or taking such action. You should also seek professional advice in appropriate circumstances such as on medical, investment, tax, financial, legal and other professional matters.
GTS Media does not give any warranties in respect of the content on the Website, freedom from viruses or other contamination, or that the Website is compatible with any computer systems, software and browsers.
All implied warranties or duties are excluded save if and to the extent that they may not lawfully be excluded.
GTS Media is not regulated by the Financial Conduct Authority and the content on the Website has not been approved under the Financial Services and Markets Act 2000. Appropriate expert advice should be obtained before making any investment or other decisions.
Advertising or promotional material submitted by third party advertisers, sponsors or promoters is viewable on the Website. The advertisers are solely responsible for that material, including ensuring that it complies with all applicable legislation and regulations. GTS Media is not responsible for such material.
GTS Media 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 on it or from any action taken, or omitted to be taken, as a result of using the Website or its content, other than death or personal injury resulting from use of the Website directly caused by the negligence of GTS Media.
GTS Media excludes liability to you and/or any third party for any consequential or incidental damages (including but not limited to lost profits, loss of privacy or for failure to fulfil any duty) or for any other indirect, special or punitive damages whatsoever that arise out of or are related to the use of the Website or its content or to any breach of the terms by GTS Media, even if GTS Media has been advised of the possibility of such damages and even in the event of fault or strict liability.
You agree that, subject to the forgoing terms of this Term, your exclusive remedy and only recovery for any damage you incur, shall be limited to the direct damages (if any) you actually incur in reasonable and exclusive reliance on the Website or it content, and for which we may be held liable by a competent court, of up to a limit of the refund of the amount you paid (if any) in relation to the particular use of the content on the Website in total during the month in which the damage first incurred.
You agree to indemnify GTS Media against all costs, claims, proceedings, demands, losses, damages, expenses or liability whatsoever arising directly or indirectly as a result of any breach of the Terms by you and any negligence or breach of duty by you.
Legal advice
The materials and comments, including, but not limited to, those made by all registered site members, appearing on this website do not constitute legal advice and are provided for general information purposes only. No warranty, whether expressed or implied is given in relation to such materials. GTS Media shall not be liable for any technical, editorial, typographical or other errors or omissions within the information provided on this website, nor shall we be responsible for the content of any web images or information linked to this website.
Links to third party sites
This Website contains links to other web sites operated by parties who are wholly separate from GTS Media. Links to all third party sites are identifiable because clicking on them will launch new browser windows displaying the third party’s website URLs, or are otherwise indicated as such by GTS Media. Such links are provided for your convenience and reference only and you access them at your own risk. GTS Media cannot be held responsible in any way for the content, operation or availability of such websites.
Competitions, prize draws and promotions
GTS Media may on occasion run competitions or prize draws either on its own behalf, for other parties or in conjunction with commercial partners. These will be subject to additional rules and conditions which will be made available at the time of any such competition.
Regarding abusive language
Personal attacks
We make a distinction between lively criticism of an argument, belief or style of writing and attacks on individuals. Comments that are abusive to other commenters or our journalists will not be tolerated.
Hate-speech and inciting violence
We will not tolerate sexist, racist, homophobic, and other discriminatory language or views. Nor comments which are defamatory, malicious, threatening, false, misleading, offensive or abusive. Comments which incite violence or appear threatening or harassing will also be deleted – and those users banned.
Bad language or indecency
Comments which include swear words will automatically be referred for moderation and usually deleted. Any swearing directed at another user will automatically be deleted. Please also refrain from posting any content which could be seen to be indecent, obscene or of a sexual nature.
Other commenters
Privacy & impersonation
You should respect the privacy of other commenters and not include personal addresses, email addresses, phone numbers or full names in your post. Do not impersonate another user in your post.
Off-topic spats
In any online community it is usual for regular commenters to get to know each other and each others’ views. However please refrain from breaking off from the topic under discussion to engage in personal chats or spats.
Risk of libel, contempt of court, or breach of copyright
We reserve the right to protect ourselves from legal action by closing comments on videos reporting on ongoing court cases or otherwise. We will also delete comments which we deem potentially defamatory or in breach of copyright. Commenters using another comment thread to open discussion on a topic closed to comments will be banned.
Please note that you are responsible for your posts and we will not accept any liability for their content or accuracy. We also reserve the right to republish your posts, which is another reason why we are including your contribution on the clear understanding that your posts are your own work and not copied from others. By contributing posts, you are agreeing to all the above and warranting that your comments are not defamatory, obscene or in breach of anyone else’s rights. This means generally that you must own the rights in everything you submit or must obtain permission from the rights owner to submit the material.
Spam and selling
CCRMagazine.com and the Credit Leaders .Network are intended as a platform for the exchange of views and ideas. We reserve the right to delete comments intended to sell a product or promote commercial interests, as well as multiple posts.
Technical Issues
Comments containing content which is technically harmful (including, without limitation, computer viruses, logic bombs, Trojan horses, worms, harmful components, corrupted data or other malicious software, harmful data or conduct) are not permitted. Nor is any activity which attempts to get round any protections we put in place for the security and operation of the website.
Your content – external contributers and user-generated content (UGC)
1, In consideration of the rights granted herein, on condition that you comply with Clauses 3 and 4 below, your Contributions will be posted on the Website.
2, In relation to UGC, when you submit any Contribution to the Website, whether that includes text, photographs, graphics, video or audio in any format, you agree by submitting your Contribution to grant the Company a perpetual, irrevocable, royalty-free, non-exclusive sub licensable right and licence to use, reproduce, modify, adapt, publish, translate, with respect to your Contribution worldwide and/or to incorporate your Contribution in other works in any media now known or later developed to the full term of any rights that may exist in your Contribution. If you do not wish to grant these rights please do not submit your Contribution.
3, By submitting any Contribution to the Website you warrant that your Contribution is your own original work and that you have the right to make it available to GTS Media (“the Company”} for all purposes and to grant the right and licence referred to above.
4, You warrant that:
(i).Your Contribution is not defamatory and does not infringe any law or person’s rights; and
(ii). You have taken all possible care to ensure that your Contribution will not attract any complaint.
5, You indemnify the Company against all damages, legal fees and others expenses that may be incurred by it as a result of any breach of warranty.
6, You agree to use the Website only for lawful purposes and in a way that does not infringe the rights of or restrict or inhibit anyone else’s use and enjoyment of the Website. Contributions must be civil and tasteful.
The following are examples (but not an exhaustive list) of behaviour/action which is prohibited:-
• Anything abusive or threatening
• Material which is sexist, racist, homophobic, obscene or likely to harass or cause distress or be disruptive
• Swearing
• Spamming
• Multiple posting
• Advertising
• Impersonation
7, You agree that should any Contribution by you be deemed, in the Company’s sole judgment, to fall within these categories, or to be undesirable in any way for the good running of the Website or its reputation, or for any other reason, the Company reserves the right to delete such Contribution and/or to block any further Contributions by the email address or IP address that you have used to make such Contribution without notice or explanation
8, You must not reveal any personal information about yourself or anyone else (for example telephone number or home address). If you add a comment to a blog, be aware that your email and IP addresses will be traceable, and your user name and/or other images displayed on other sites such as Facebook may be displayed if, for example, your Contribution has been sent from your account on another social networking site.
9, If you are under 16, you must get a parent or guardian’s permission before making any Contribution.
10, You may not copy, reproduce, re-publish, download, post broadcast, transmit, make available to the public or otherwise use the content of the Website in any way except for your own personal, non-commercial use, not to adapt or create a derivative work from any content except for your own personal non-commercial use.
11, To the extent permissible in law, the Company will not be liable for any loss including but not limited to the following (whether such losses are foreseen, known or otherwise) loss of data, loss of revenue or anticipated profit, loss of business, loss of opportunity, loss of goodwill or injury to reputation, losses suffered by third parties, any indirect, consequential or exemplary damages.
12, The Company does not warrant that the functions contained in the Website will be uninterrupted or error free or that the server which makes it available are free of viruses or bugs.
13, You agree to the Company, at its sole discretion, publishing rewording or categorising Contributions, whether by means of ranking them according to their popularity or by any other criteria.
14, The names, images and logos identifying the Company or third parties in their products and services are subject to copyright, design rights and trademarks of the Company and/or third parties. Nothing contained in these Terms should be construed as conferring by implication, estoppel or otherwise any licence or right to use any trademark, patent, design right or copyright of the Company or any third party.
English Law
By accessing the Website you agree to accept that these Terms are governed by and construed in accordance with the laws of England. You also 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 or arising in any way from the content on the Website.
