Our Terms & Conditions

INTRODUCTION:

• Credit Broking
• Providing Credit Information Services
• Providing Credit References (subject to limitations)

2. OUR WEBSITE

• Are a UK resident
• Are using Noggin’s products and services on behalf of a UK business
• Will not do anything that may affect the security of Our Website or any information or material stored within it.
• Will not operate any link to Our Website without first obtaining Our written permission. Any such permission may be revoked without notice and we reserve the right to request the immediate removal of any link at any time.

2.2 SUSPENSION AND TERMINATION

2.3 THIRD PARTY LINKS

3. NOGGIN’S PRODUCTS AND SERVICES

3.1 ACCOUNT CREATION AND DELETION

• To preview Our “lender dashboard”, You must create an account using a business email address. We require You to verify Your email address as part of account creation.
• Once You have created an account, You are able to preview Our “lender dashboard” and its related Open Banking data products (categorisation and credit score).
• You are able to delete Your account via Your account pages, in the “settings” tab. Alternatively, You can email support@nogginhq.co.uk to request account deletion.

3.2 CATEGORISATION PRODUCT.

• Within Your account pages, under the “customers” tab, You are able to preview Our categorisation product.
• Our categorisation product is an NLP model that ingests raw Open Banking transactions and categorises them into human-readable categories. For relevant transactions, the model also enriches the transaction with a “merchant name” field.
• Our categorisation product supports the interpretation of the data by individuals, the generation of useful features that can be used within modelling, or the sharing of Open Banking insights with the consent-giver (end-user).
• Our categorisation product is currently available directly via API integration.

3.3 CREDIT SCORE PRODUCT.

• Within Your account pages, under the “customers” tab, You are able to preview Our credit score product.
• Our credit score product is an Open Banking risk model that determines probability of default using transactional data.

4. COMMISSIONS, FEES AND CHARGES

5 RESPONSIBILITIES AND LIABILITIES

5.1 YOUR RESPONSIBILITIES

• You must keep Your password confidential and it must not be disclosed to or shared with anyone. You are solely responsible for all use of Your account on Our Website.
• Comply with relevant data protection legislation, including obtaining consent, where necessary.
• The information You provide must be factual, up to date and not contain any misleading information
• Keeping Your details accurate and up to date
• Advising us of any errors
• You must not misuse Our Website by knowingly introducing viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not attempt to gain unauthorised access to Our Website, the server on which it is stored, or any connected server, computer, or database.
• You agree to indemnify Noggin HQ ltd against any claims, losses, or legal fees arising from Your breach of these terms or misuse of the service.
• You must use the service lawfully and not for fraud, coercion, or any criminal activity.

5.2 OUR RESPONSIBILITIES

• A. Any statements made by Our employees to You which are not true statements of fact and which are made by that employee with fraudulent intent; and
• B. Any statements made by Our employees to You which are misleading or untrue.
• C. Except in the case of (A) or (B) above (where Our liability to You is unlimited), Our liability to You will be limited to the upper level of Our insurance limit which may vary from time to time.
• D. Any claim You may have against us for a personal injury or in respect of Your death if caused by Our negligence.

5.3 LIABILITIES

• Any losses You suffer because the information You put into Our Website is inaccurate or incomplete; or
• Any losses You suffer because You cannot use Our Website at any time; or
• Any errors in or omissions from Our Website; or
• Any loss or damage caused by a distributed denial-of-service attack, viruses or other technologically harmful material that may infect Your computer equipment, computer programs, data or other proprietary material due to Your use of Our Website or to Your downloading of any material posted on it, or on any Website linked to it; or
• The privacy policies and practices of other linked third party Websites, even if You access them using links from Our Website; or
• Any unauthorised access or loss of personal information that is beyond Our control.
• Any indirect, incidental, or punitive damages.
• Any defaults, financial losses, or adverse outcomes resulting from Your reliance on, or use of, Our scoring products or associated data.

5.4 LIMITATION REGARDING USER CONDUCT AND FRAUD

6. COMPLAINTS

7. PRIVACY POLICY

8. INTELLECTUAL PROPERTY

• It is used solely for Your personal, non-commercial use;
• You will not copy, transmit or distribute them without Our prior written approval;
• All copies must retain any copyright or other intellectual property notices contained within the original material;
• You acknowledge that all images displayed on Our Website are protected by copyright and may not be reproduced or appropriated in any manner without the prior written consent of their respective owner(s);
• No logos, trade marks or service marks displayed on Our Website may be printed or downloaded, except as part of the text of which they form part;
• You must not modify the paper or digital copies of any materials You have printed off or downloaded in any way, and You must not use any illustrations, photographs, video or audio sequences, logos, designs or any graphics separately from any accompanying text; and
• Our status (and that of any identified contributors) as the authors of material on Our Website must always be acknowledged.

9. FORCE MAJEURE

10. LEGAL