Terms and conditions

Terms and conditions for the use of this Site (“Site”) operated by Lantern Debt Recovery Services Limited (“Lantern/us/our/we”) and its direct and indirect subsidiaries.

Lantern Debt Recovery Services Limited is registered in England and Wales under company registration number 06637307 and our registered office is at Protection House 83 Bradford Road, Stanningley, Pudsey, West Yorkshire, LS28 6AT. We are regulated by the Financial Conduct Authority for consumer credit regulated accounts under firm reference number 718024.

Please read these terms and conditions (“Terms and Conditions”) carefully before using the Site. They contain important information about your rights and obligations when using the Site. By using or accessing the Site, you agree to be legally bound by these terms and conditions of use as they apply to your use of or access to the Site. You further agree to only use the Site in a manner that complies with all applicable laws and does not infringe the rights of any third parties or restrict or inhibit their use or enjoyment of the Site.

You must not use any part of the content on our Site for commercial purposes.

We may revise these terms of use at any time. Any change will be effective upon publication on the Site. You should check the Site from time to time to review the current version of the terms of use.

While we make reasonable efforts to update the information on this Site, we make no representations, warranties or guarantees (whether implied or express) that the content on the Site is accurate, complete or up-to-date.

Accessing the Site

Access to the Site is permitted on a temporary basis, and we reserve the right to withdraw any information and/or service we provide on the Site without notice. If the need arises, we may suspend access to the Site or close it indefinitely.

We will not be liable for any damages, loss, costs or expenses incurred by you if for any reason the Site is unavailable or inaccessible at any time or for any period.

You are responsible for making all arrangements necessary for you to have access to the Site.

You are also responsible for ensuring that all persons who access the Site through your internet connection are aware of these terms, and that they comply with them.

User names and passwords

You may only access the services if you have registered and been allocated a username and password. You acknowledge and accept that instructions and actions transmitted via the Site will be deemed to have originated from you if the correct username or password have been used.

You may not share your username and password with any other person. Lantern reserves the right to reset passwords and/or issue new usernames at any time upon notice to you.

You may not disclose any password to any person but shall keep it secret at all times. You will notify Lantern if you know or suspect that any other person has become aware of your username and/or password.

You are responsible for the security of usernames and passwords we have issued to you.

Intellectual Property Rights

We are the owners or the licensees of all intellectual property rights in the Site, and in the information (including all text, photographs, illustrations, designs, graphical images, animations, video materials, audio materials and trade marks) published on it. All such rights are strictly reserved to us.

You may not remove, distort, modify or otherwise alter the size or appearance of any logos on the Site or on any copies or download extracts you have made for your personal use only. You must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text.  Our status as the authors of content on our Site must always be acknowledged. If you print off, copy or download any part of our Site in breach of these terms of use, your right to use our Site will cease immediately and you must, at our option, return or destroy any copies of the materials you have made.

Payments on the Site

The following terms and conditions apply to those making online payments to us and all payment plans set up online to make future payments. The Site and services include links that allow you to leave our Site and visit third party websites in order to make a payment. We have no control over those websites, so we are not responsible for the content, use by you or availability of those third party websites, for any payments you make through those websites or for the treatment of any personal information you provide to the third party

All online payments and payment plans are subject to the following conditions:

• Card details entered on this Site are processed by our payment gateway supplier and not stored by Lantern.
• We accept payment with Visa, MasterCard and Electron. The details you submit are done so at the cardholder’s risk. You are responsible for keeping your personal and banking details secure.
• In making a payment you are confirming that you are authorised to make the payment as the cardholder, or otherwise that you have the cardholder’s permission. We cannot accept liability for a payment not reaching the intended account due to the quoting of an incorrect Lantern reference number or failure to confirm other information as required.
• Payments will ordinarily reach the account to which you are making payment immediately, but this could take up to two working days.
• If the debit card supplier declines payment, we cannot any accept liability for this and are under no obligation to inform you (or if someone has paid on your behalf, the person making payment) of this. You should check with your bank/debit card supplier (or, if applicable, the person making payment) that payment has been deducted from the paying account.

A payment plan for future payments may be set up by direct debit.

We do not charge you for making payments.

Linking 

To our Site

Our Site must not be framed on any other Site nor may you create a link to any part of our Site.

Third party links and resources on our Site

Where our Site contains links to other sites and resources provided by third parties, these links are provided for your information only and should not be interpreted as approval by us of those linked Sites or of the information you may obtain from them.  We do not accept liability for any loss suffered as a result of accessing any third partysite and we have no control over the contents of those sites or resources.

Viruses

In using the Site, You must not

• knowingly introduce viruses, trojans, worms, logic bombs or other information to the Site which is malicious or which results in impairing the performance or functionality of the Site or our information technology systems generally.
• not attempt to gain unauthorised access to the Site, the server on which the Site is stored or any server, computer, database or other system connected to the Site.
• not attack Site via a denial-of-service attack or a distributed denial-of service attack.

You commit an offence under the Computer Misuse Act 1990 by breaching this provision.We will report any such breach to the relevant law enforcement authorities, and we will co-operate with those authorities by disclosing your identity and any other related data we hold to them.

In the event of such a breach of these terms of use, your right to use the Site will cease immediately.

Limitation of liability 

Nothing in these terms of use excludes or limits our liability for death or personal injury arising from our negligence, or our fraud or fraudulent misrepresentation, or any other liability that cannot be excluded or limited by English law.

Any liability for any direct, indirect or consequential loss or damage incurred by any user (including without limitation, any direct, indirect, punitive or consequential loss or damage, or any loss of income, business, revenue, profits, anticipated savings, goodwill, data, contracts, use of money, or loss or damage arising from or connected in any way to business interruption, wasted management or office time, or any distributed denial-of-service attack, and whether arising in tort or delict, including without limitation negligence, contract or otherwise) and any other loss or damage howsoever occurring even if foreseeable, in connection with the Site or in connection with the use, inability to use, or results of the use of the Site, any Sites linked to it and any information posted on it or any viruses or technologically harmful information that may infect your computer equipment, software, data or other property on account of your access to, use of, or browsing the Site or your downloading of any information from the Site or any Sites linked to the Site.

Jurisdiction and applicable law

These terms of use and any dispute or claim arising out of or in connection with these terms and conditions or their subject matter or formation (including non-contractual disputes or claims), shall be governed by and construed in accordance with the law of England and Wales.

The English courts will have exclusive jurisdiction over any claim although we retain the right to bring proceedings against you for breach of these conditions in the jurisdiction of your domicile or any other relevant jurisdiction.