2. Who we are

Supacompare.com are one of the fastest growing comparison sites in the UK. We act as an independent credit broker, not a lender.

Supacompare is a trading name of Mediablanket Ltd.

MediaBlanket Ltd is registered in the UK under company number 07949139.

Registered address: MediaBlanket Ltd, The Old Bank, 247 Chapel Street, Salford, M3 5EP. Registered with the Information Commissioners Office Z3334636.

Authorised & regulated by the Financial Conduct Authority under Firm Reference No: 723605

Mediablanket Ltd own and operate other products but do not offer preferential treatment or placement.

3. Our services

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Free of charge

Supacompare.com is free to use. You don’t have to apply for any of the products we offer (“products”) to use our services, and we don’t sell your data or charge third parties for access to it. Instead, the partners that we work with such as credit issuers, credit brokers or other service providers (referred to in these terms as “partners”) pay us a commission if you take out a new product with them.

Registering with us

You need to create an account with us to access the full range of our services, including:

• access to a free credit report and credit score service
• tailored information about your borrowing ability
• energy comparison and switching.

When you register, you must give us true, accurate, current and complete information about yourself. The results we show you are based mainly on the information you provide. If you don’t keep your information up to date, your results are likely to be less accurate. We recommend that you update your account information regularly, and as soon as possible if something important changes (e.g. your address or income or outgoings). You can update your information easily on Supacompare.com

Borrowing - SupaScore

We work with Experian Ltd (“Experian”) to give you a unique score, known as your SupaScore. Your Credit Worthiness is an indication of the credit available to you at a given time. If Experian can find your credit history, we calculate your Credit Worthiness:

• at the time you first register for an account with us;
• whenever you log in to our website or app; and
• once a month while your account is live, to let you know if your Credit Worthiness is changing.

We’ll show you your current SupaScore as a score out of ten, in your account. We’ll also send you a monthly service email to tell you about any changes. We’ll use your score to show you tailored information about products that might be available to you.

Your credit report and credit score

Our relationship with the credit reference agencies

We work together with credit reference agencies to make our services available to you. A credit reference agency is a company that collects personal information from various sources and provides that personal information to banks and financial institutions to help them make credit decisions. A credit report shows you the information that a credit reference agency holds about you. We have appointed:

• Experian to conduct pre-screening searches and eligibility checking; and
• TransUnion International UK Limited (“TransUnion”) to supply credit reporting and scoring for the credit report service.

The partners we work with may also use credit reference agencies when they assess your eligibility.

Powered by TransUnion

Our credit report service is powered by TransUnion. This means that we share some of the personal information you give us with TransUnion and its subcontractors so that they can search their own and third-party databases to find information they hold about you, and to tell you whether they are able to provide you with a credit report through Supacompare

When we check whether TransUnion is able to provide you with a credit report and when we retrieve your credit report and credit score from TransUnion, we are making a subject access request under Article 15 of the GDPR to TransUnion, on your behalf.

By creating an account with us:

• you appoint us to act as your agent and representative in accessing and retrieving your credit report and credit score on an ongoing basis, for as long as your Supacompare account is open, from TransUnion as a credit reference agency;
• TransUnion as a credit reference agency shall be entitled to rely on this agency and related authorisation granted by you to us;
• you instruct us, on an ongoing basis without needing your further express permission, to submit (as your agent) a request for access to your credit history information to TransUnion, in accordance with your statutory rights under data protection legislation, for the purpose of providing our services to you.

For details of how we use your credit report data and credit score data, see our Privacy Notice.

Authenticating you for a credit report

When you sign up for an account, we may use your account data to check whether TransUnion is able to provide you with a free credit report and credit score. If we are going to do this check, we will make it clear to you in the sign up terms that are shown to you before you create your account.

You will need to successfully pass an authentication process before we can show you your credit report and credit score. The authentication process is designed and operated by TransUnion.

You may not successfully pass authentication. This may be because TransUnion:

• is not able to match your personal information to the correct credit report; or
• doesn’t hold enough credit information on you to create a credit report.

Supacompare and TransUnion are not required to tell you why you haven’t been successfully authenticated, whatever the reason.

Whilst we do everything we can to avoid asking you for credit card details, you may be asked by TransUnion to confirm your credit card details, as an anti-fraud measure. If you are asked to confirm your credit card details, you will be confirming them to TransUnion only and not to us.

Updates to your credit report and credit score

If you pass the authentication process (as above) and we are able to provide you with your free credit report and credit score, we’ll show you your credit report and credit score in your account.

We’ll ask for your credit score data from TransUnion each time that you log into your account, so that we can provide you with a live score. Your score is updated each time you sign in.

While your account is open, we’ll also ask TransUnion for your credit report and credit score data once a month, so that we can update your credit report and credit score. This means that your credit report is updated once a month. We’ll send you a monthly email as a reminder that we have got your credit report and score data from TransUnion. We reserve the right to stop updating your credit report and credit score on a monthly basis if your account is inactive for 12 months or more.

We use your credit report data to personalise and improve the service. For more details, see our Privacy Notice.

Incorrect information in your credit report

It is TransUnion, not us, who coordinates making changes to credit report data. If you wish to dispute the accuracy of anything shown in your credit report, please use the “raise a dispute” buttons in the “My Credit Report” area of your account to raise a dispute directly with TransUnion. If you have any questions about your credit report, please contact us in the first instance.

What happens if we can’t find your credit history

We can’t guarantee that we’ll be able to provide your free credit report or credit score. This is because you might not be found by the credit reference agencies or partners that we work with - for example, if you are new to the UK, or have a very limited credit history. In those cases, we’ll present information that could help you to understand how to improve your chances of being found in future.

Tailored offers

Product offers

We’ll show you credit cards, loans, mortgages and other products for consumers.

Your results for credit products are based on our unique algorithm, which considers factors such as:

• your credit profile;
• your eligibility score;
• the features of the products; and
• lender reliability.

We sort your offers based on their features and the information that you have provided. Although we may be paid commission, this never influences how your offers are ranked.

Eligibility checks

We check your eligibility for products. We contact Experian and certain partners (who in turn may contact credit reference agencies). They use the information you provide to analyse your eligibility for products using their databases and their knowledge of the acceptance criteria for products (“eligibility checks”). An eligibility check isn’t an application for credit, and it won’t harm your credit rating. By checking your eligibility for a product on our website or app, you are not committing to make an application for that product. If you want to apply for a product you find on our website or app, we’ll pass you through to the relevant partner.

Our relationship with partners

We work with partners to present their products and related offers to you, and to allow you to apply for products on the partners’ websites.

Not all partners featured on our website and app provide eligibility information, so you might see products listed that have no information about your likelihood of being accepted for them. Even if your tailored results indicate that you are likely to be accepted for a product, this is not a guarantee that you will be accepted. The partner is entirely responsible for deciding whether to accept you, using its own acceptance criteria. The exception is where we indicate that you are “pre-approved” for a credit product (e.g. for a credit card or loan). In those cases you are definitely eligible for the product, but your application is still subject to passing the relevant lender or credit broker’s checks, for example fraud, ID, vehicle checks and responsible lending checks. See ‘Pre-approval’ below for more information about this.

We’ll pre-populate partner application forms for you

If you click to apply for a certain product, we sometimes pass your information to that partner to pre-populate the application form and to make the process quicker for you.

What happens if you are an existing customer of a partner

When a partner assesses your eligibility for products, it may also tell us if you are an existing customer because that fact might influence your eligibility for additional products from the same partner. Being an existing customer could reduce your eligibility for additional products from that partner, or it might mean that you are pre-selected to see additional offers. It depends on the partner’s policies.

What partners tell us about your application

If you leave our website and app to apply for a product with a partner, the partner may tell us later if your application was successful, referred or declined. We use that information to:

• calculate the commissions that we are due;
• to personalise the service to you;
• to send you service messages (for example, if an energy supplier declines your application to switch, we will email you to tell you why, and what to do next);
• to help us understand our customers, to improve our service and to inform our marketing strategy (i.e. research and development).

Energy comparison and switching service

Our energy comparison and switching service is powered by Love Energy Savings.

What happens when you apply for a product?

We can’t influence partner decisions about you. If you want to apply for a product, you can do so by following the link from the website to the relevant partner’s website.

We don’t control the partner’s website, so we can’t be responsible for any personal data that the partner collects, stores and uses through their website without our involvement. You should always read the privacy notice of each website you visit carefully and before you submit any personal data to the partner.

4. Soft searches and 'footprints' on your credit file

Supacompare.com and its partners will soft search you while your account is live, this is to provide you with updates and personalised information and offers. Supacompare and its partners will soft search your credit file with TransUnion and other credit reference agencies for the following reasons:

1. to calculate and update your Supascore.
2. to create and update your free credit report, if you have one
3. to match you with offers for which you are likely to be eligible and
4. to analyse your financial situation, so that we can find other products and services you may be interested in.

You may see these soft searches as ‘footprints’ on your credit report in either our name or the name of one of the partners or credit reference agencies that we work with. Soft searches on your credit file will be given different markings, depending on their purpose, such as:

• Affordability
• Anti-Money Laundering
• Consumer Credit File Request
• Identity Check
• Quotation/Preliminary Search
• You may see multiple footprints on your credit file because soft searches will be carried out:
• when you first sign up for our services
• when you log in
• when you go to the offers section of your account
• when you check or refresh your offers

Some examples are below. This list is not exhaustative:

• AA
• Barclaycard
• Bamboo Limited
• Car Finance 247
• Evolution Funding
• Less Cost Loans
• Lendable Limited
• Supaloans
• Moneybarn
• Norton Finance and Mortgages
• Loans Warehouse
• Zuto

If we run a trial with a potential supplier and partner and we need to use real rather than dummy or anonymous data for the test to be effective you may see a footprint relating to that trial on your credit file.

See our Privacy Notice for more details.

5. Our services

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Acceptable use

By using our services, you confirm that:

You’re at least 18 years of age and resident in the United Kingdom;

You will only use our services and materials (e.g. content from our website, app or emails, referred to in these terms together as the “ related materials ”) in your own name, for personal and non-commercial purposes;

You won’t allow anyone else to use your account, either for their own purposes or on your behalf.

You are entitled to download content relating to your activity, however please be aware this removes the security protection afforded by the website and this may increase your risk of identity theft, fraud or other disclosure of your personal data. You may print a reasonable number of copies of the related materials for your own personal use.

You must not:

1. attempt to gain unauthorised access to the Supacompare website or server.
2. attack the website or by a denial-of-service attack
3. scrape, extract, download, upload, sell or offer for sale any of the website or app or the related materials;
4. misuse the website or app by knowingly introducing viruses or other material which is malicious or technologically harmful;

If you do any of these acts, you may commit a criminal offence. We’ll report any criminal acts to the relevant law enforcement authorities.

Our website

You acknowledge and agree that:

1. We or our licensors own all intellectual property and other proprietary rights in and to the website.
2. TransUnion and their licensors assert ownership of certain intellectual property rights in the credit report.

Your information

We are within our rights to use the information you provide to us on the website - we use this so we can provide, personalise and improve the website and and the services we offer you. For more information about how we use your personal data, please see our Privacy Notice.

Account Access

You can access your Supacompare.com account using your email address and password. You must keep your log in details private and not share them

You agree to:

1. keep your username and password secure
2. be fully responsible for all use of the website or app using your username and password
3. log out of your website and app account at the end of each session
4. If you think someone else is using your username and password or any other breach of security, by emailing us hello@supacompare.com
5. using localised virus protection

Availability

You acknowledge and agree that:

• We may have to temporarily or permanently suspend your access to the website without notice;
• We may update the website and the services at any time
• We accept no liability for any losses, damages or costs that arise from or relate to the website
• We don’t guarantee that the website or app or related materials will be free from bugs, viruses or malicious code.

Third party content

We always try to make sure that the content provided by our contracted third-party suppliers is accurate and complete. However, we can’t guarantee that it is completely accurate because some of this information comes from other businesses. If you notice any mistakes relating to content on the website, please let us know at hello@supacompare.com

Important: Please note that we can’t correct information on your credit report. You can challenge incorrect information on your credit report using the “raise a dispute” function in your account. This will allow you to raise the dispute directly with TransUnion, who provide the credit report data.

Any links on the website to third party websites and resources are provided solely for your information and convenience. We don’t approve, endorse or make any representations about any such third-party websites or any material found on them or your use of that material. If you use these links, you do so at entirely at your own risk.

Information we provide

Any information provided to you by us as part of the services is provided for guidance and information only. You should not rely on the information provided as part of services and neither we nor any credit reference agency (including in the case of the credit report service, TransUnion or any member of the TransUnion group of companies) are responsible or liable to you if you rely on it or take any action based upon it.

Third party products

We are not responsible for:

1. the products provided by third parties that are featured on our website.
2. for any contract you enter into with a third party as a result of using the services.
3. If you have any problems with the products featured on our website or app, you should contact the product provider directly.

6. General

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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.