Terms & conditions

Summary of key terms

We believe in transparency and want to ensure important clauses aren't overlooked. Below, we've summarised the key terms of our Terms & Conditions to help you quickly understand the main points of our service. This summary enhances clarity and convenience, but we encourage you to read the full terms to fully understand your rights and obligations.

• Service Overview: Sure Credit, a trading style of Bume Limited , offers a subscription-based credit education service and a separate free loan brokerage service. The credit information service is free for the first 14 days, after which a monthly fee of £19.99 applies if not cancelled within the trial period.
• Membership Details: Membership is personal, non-transferable, and restricted to individuals over 18 residing in the UK. Members must keep their account details secure and adhere to the service rules.
• Cancellation Policy: To cancel, visit app.surecredit.co.uk/cancel-request. Online cancellations are effective immediately. Alternatively, members can cancel through their member's area, by emailing [email protected]  , or calling 0330 335 8509 .
• Refund Policy: Customers are not eligible for refunds for fees paid after the 14-day trial period.
• Use of Credit Information: Credit reports and scores powered by TransUnion are provided for informational purposes only. Sure Credit is not responsible for any actions taken based on the provided credit data.
• Access to Free Statutory Credit Report: You are entitled to access a free copy of your Statutory Credit Report from TransUnion, one of the UK's main credit reference agencies (CRAs). This report provides a summary of your basic credit information. Please note that this statutory report does not include any of the additional features, tools, or insights provided through the Sure Credit subscription service. To request your free Statutory Credit Report, please visit https://www.transunionstatreport.co.uk/CreditReport/AboutYou.
• Continuous Payment Authority (CPA): Members provide CPA for automatic fee collection. If a payment is unsuccessful, up to 12 further attempts may be made within 62 days.

Company information and regulatory details

Sure Credit is a registered trading style of Bume Limited which is an Appointed Representative of William Ellis Sinclair, and is entered on the Financial Services Register under reference number: 975519 . William Ellis Sinclair is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register under reference number: 618190.

Authorisation can be checked on the Financial Services Register at register.fca.org.uk.

Bume Limited is registered in England and Wales (Company number 14051741 ) and its registered office is 124 City Road, London, EC1V 2NX . It is licenced by the Information Commissioner's Office, registration number ZB656046 .

In these terms and conditions, "we" or "us" refers to Bume Limited trading as Sure Credit and "you" or "your" refers to you, the user of our services.

Service overview

Bume Limited offers a subscription-based credit education service to help improve customers' access to credit, alongside a free loan brokerage service. The loan brokerage service is completely free, while the credit education service is free for the first 14 days. After the trial period, a monthly fee of £19.99, payable in advance, will apply if the service is not cancelled within the 14 days. If you cancel after the initial 14-day trial period, no refunds will be provided for any fees already paid. This policy ensures transparency and aligns with our terms. Bume Limited provides users with access to a range of tools and resources, including credit reports, credit scores, credit alerts, dark web monitoring, and affordability and loan calculators, along with other educational resources. Collectively, these offerings are referred to as "Our Services" or "Our Service".

Credit score and reporting services are supplied by Sure Credit and powered by data provided by TransUnion International UK Limited. TransUnion International UK Limited is authorised and regulated by the Financial Conduct Authority, reference number 737740.

Terms and conditions

These terms and conditions describe our services to you as well as your obligations to us. Please read these terms carefully before using this website to sign up for our services because they take effect as soon as you accept them. If you have any questions or don't understand something, please use our 'contact us' form to get in touch.

These terms and conditions apply to our services we provide and your use of the www.surecredit.co.uk website.

Before using this website and signing up for the credit reporting and score services, please read these terms and conditions carefully as they contain legal rights and obligations.

1. Our contract with you

These are the terms and conditions that govern your use of the www.surecredit.co.uk website and form the basis of our contractual relationship with you. You agree to the terms and conditions of TransUnion International UK Limited by accepting these terms and conditions.

2. Changes to these terms and conditions or our services

We reserve the right to change these terms and conditions at any time. If we make changes, we will post the new terms and conditions or details on the website. When the changes are posted on the website, they will take effect. You agree to revisit this page from time to time to be aware of any changes to these terms.

3. Using our services

Our services are only available to members. Please see clause 6 below for details on how to join:

3.1 Membership Rules

3.1.1 After becoming a member you must keep to these rules.

3.1.2 Membership is personal to the person accepting these terms.

3.1.3 Membership is non-transferable.

3.1.4 Membership cannot be used by persons other than the member.

3.1.5 You must ensure that no one else has access to your membership information, and you must keep it safe and confidential to you. You must not share them with anyone else and take reasonable precautions to ensure that no one else has access to them.

3.1.6 Other people in your household must not use your identity to access the scheme, benefits, or credit reporting service (and you must ensure that this does not happen).

3.1.7 Your benefits, access, and information from the credit reporting service are not for resale.

3.1.8 If you become aware of any unauthorised use of your username and password or any aspect of your membership, you must notify us immediately.

3.1.9 Our service is only available to members in the United Kingdom over the age of 18 (and, in some cases, within specific regions of the United Kingdom). As a result, not all services will be available to all members.

3.1.10 You will be required to successfully pass an authentication process before you may have access to TransUnion Services. Not all our customers will successfully pass authentication and neither us nor TransUnion are required to notify you why it has not been successfully authenticated, but one reason for this may be that, at the time you requested access to TransUnion Services, TransUnion has been unable to match your personal details to the correct credit profile in its database.

3.1.11 We are always looking for new services for our members from providers. Our services are constantly changing, and we cannot and do not promise, represent, or warrant that any specific benefits or elements of our service will be available at any given time. We reserve the right to remove, add, change, or substitute service elements at any time without notice to any or all members.

3.1.12 You agree that we are not responsible or liable for any services provided by third-party providers or for the credit report data provided by TransUnion International UK Limited, and that if you have any claims relating to service providers, you agree to make a claim against the relevant provider providing (or purporting to provide) the relevant service (including any issues with any credit reporting).

3.2 When you make a request for your Credit Score or Credit Report it 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 yourself requesting your Credit Score or Credit Report.

3.3 Unless you notify us that you want to cancel this agreement by following the steps outlined in clause 4.2 of these terms, your membership will be automatically renewed each month and you will be charged the fee (see clause 7).

4. Duration of our services and your right of cancellation

4.1 We will continue to provide our services until they are canceled in one of the ways listed below.

4.2 If you no longer wish to receive our services, you can cancel at any time online through your member's area or by visiting app.surecredit.co.uk/cancel-request, where cancellations are processed immediately. Alternatively, you may cancel by [email protected]   or by calling 0330 335 8509 . Your cancellation will take effect from the date we receive the request, whether online, by email, or by phone. Once cancelled, no future payments will be debited from your account. If you are still within the 14-day free trial period, no charges will apply. If we receive your cancellation request before your next fee is due but do not process it in time, we will refund any payments taken after the request. Simply contact us at [email protected]   or call 0330 335 8509 .

4.3 By entering into this agreement, you have requested that we begin providing services immediately rather than waiting until the cancellation period has expired. You agree that your execution of this agreement constitutes your express request for us to begin providing our services.

4.4 We reserve the right to terminate your membership and use of our services (including credit reporting and score services) immediately if:

• you misuse our services (that is, you use the services in a way that is not permitted by these terms and conditions or where there is fraud); or
• we stop providing our services or the www.surecredit.co.uk website; or
• any payment that you owe us is declined, rejected, reversed or not made on time and in cleared funds.

4.5 We may also immediately terminate your use of any of our services if;

(i) you are no longer a customer of ours; or

(ii) our agreement with TransUnion International UK Limited comes to an end.

5. Sure Credit services

Please carefully read this clause as it explains what the services are and what exclusions apply.

5.1 Credit Report and Score

5.1.1 We need to obtain your credit report information from TransUnion International UK Limited, whom we pay to access your data, in order to provide credit reporting and score services to you. By activating the credit reporting and score services, you agree that we may use the information from your credit report in this manner.

5.1.2 We will provide you with ongoing credit report and credit score updates through your members area once you have activated your account and we have successfully validated your identity with TransUnion International UK Limited.

5.1.3 You can get your daily credit report by logging in, which details your personal credit history for the last six years. Companies can use this information, along with other factors, to determine whether or not to lend to you.

5.1.4 We will also provide you with your most recent credit score. Your credit score reflects your credit history and your likelihood of obtaining credit. This is available online and is updated on a daily basis.

5.1.5 The credit reporting and score services will only provide you with information for your guidance and information. Businesses that conduct credit checks on you will gather information from a variety of sources and use their own criteria to make decisions. You should not rely on the information we provide, and we cannot be held responsible or liable if you do rely on it or take action based on it.

5.1.6 Dispute Resolution

If you discover inaccurate information in your credit report, you may use the dispute feature provided by TransUnion in your Sure Credit members area. Please note:

• Sure Credit does not handle or process disputes: Any disputes flagged are routed directly to TransUnion's systems.
• Responsibility for evidence: Customers are responsible for providing supporting documentation directly to TransUnion. Sure Credit does not collect or review such documentation.
• Resolution handled by TransUnion: All investigations, communications, and outcomes are managed by TransUnion. Sure Credit cannot amend or remove credit report data or contact credit reference agencies or lenders on behalf of the customer.

5.1.7 Additional Disclaimer on Dispute Resolution

• No Credit Repair Services: Sure Credit does not provide credit repair services, such as securing the correction or removal of information from credit reference agencies or contacting creditors on behalf of customers.
• • Third-Party Responsibility: All corrections, disputes, or data updates related to your credit report are solely managed by TransUnion. Sure Credit acts as a platform to facilitate access but does not influence or engage in the dispute resolution process.
• Customer Role: Customers must directly interact with TransUnion for any concerns about the accuracy of their credit data. Sure Credit does not review, validate, or intervene in the process.

5.2 Credit Mentor

5.2.1 You will receive personalised insights as well as an action plan to help you improve your score. Our recommendations are based on the information in your credit report.

5.3 Call Centre Support

5.3.1 You can contact our credit report advisors for additional help and advice about your credit report and score. Credit report advisors can help you improve your credit score by walking you through your credit report and personalised action plan. In order to do so, our advisors will ask your consent to view some of your personally sensitive information.

5.4 Alerts

5.4.1 If there has been a significant and material change in your credit file that we hold after you have successfully activated your account on our site, we will notify you when you login to your account. We may also send these to you via email.

5.4.2 The alerts tells customers when there are changes to their credit file. We and/or TransUnion International UK Limited are not responsible for any loss you might have if you don't check your alerts and let TransUnion International UK Limited know if you think the information is wrong.

5.4.3 You shouldn't solely rely on the alerts service to make sure that your credit report is correct. You should check your credit report often to make sure that the information in it is correct and up to date.

5.5. Dark Web Report

5.5.1 We will use your data as part our service to provide you with a Dark Web Report detailing whether any of your personal details have been found on the 'Dark Web'. Please keep in mind that the websites and service providers that we search for your information on are not exhaustive, and the absence of a breach does not imply that there was none.

5.5.2 We can only notify you if we discover your information in a data breach. It is up to you to take corrective action. If your personal information was compromised as a result of a data breach, we recommend that you contact the company that suffered the breach. We also recommend that you immediately change the passwords on all affected accounts. You should also check your credit report for any searches made against you or potential loans taken out fraudulently in your name and contact those companies directly as this may have an impact on your credit score.

6. Sure Credit membership

6.1 By accepting these terms, you agree to become a "member" of Sure Credit. You can only join if you meet the criteria in clauses 6.2-6.4. We will provide you with log in information if your application to become a member was successful.

6.2 If you continue your membership after the free 14-day trial period, you must provide us with accurate and complete information, including your name, email address, and postal address, as well as payment information for membership fees.

6.3 Any person who becomes (or purports to become) a member makes a statement (on which we rely) that he or she is 18 years of age or older. A person under the age of 18 does not qualify and must not and cannot apply for membership.

6.4 Any person who becomes a member makes a statement (on which we rely) that he or she is, and will continue to be, based in the United Kingdom, and that person will provide a full postal address in the United Kingdom (including a valid post code). A person cannot join unless they are based in the United Kingdom. A postal address in the United Kingdom is required for membership.

6.5 Please see our Privacy Policy for more information on our privacy practices. We take privacy seriously and follow all relevant provisions of UK data protection legislation. All personal information submitted via this website or via email, such as membership enrolment information, will be handled in accordance with the Privacy Policy.

7. The monthly fee

7.1 If you join, you will be given a 14-day free trial period (the "Trial Period"). During the Trial Period, you will have access to our services.

7.2 If you do not cancel our services before the Trial Period ends (see clause 4.2 for instructions), you agree to pay a monthly fee of £19.99 (the "Fee").

7.3 The Fee must be paid in advance. If you have granted us a continuous payment authority (see clause 8), we will use it to collect the Fee unless you cancel it. If you cancel this authority, you must arrange for us to receive the Fee in cleared funds on or before the due date. If you do not pay the Fee on time, we may suspend or cancel your right to use our services (see clause 4).

7.4 The first Fee is due on the day following the end of the Trial Period. Unless you cancel this agreement, each subsequent Fee is due on the same date each month. For example, if you sign this agreement on January 1st, the Trial Period will end on January 14th. If you do not cancel this agreement, the Fee is due on January 15th. Unless and until this agreement is terminated, each subsequent Fee is due on the 15th of each month.

8. Promotional Offers and Money Back Guarantees

8.1 Free Tastecard Membership Offer

8.1.1 Eligibility: To qualify for a free Tastecard annual membership valued at £79.99, members must be enrolled with Sure Credit for at least two months and have made two successful monthly payments.

8.1.2 Offer Details: Eligible members can redeem this offer within their Sure Credit membership area, where instructions for redemption will be provided once eligibility is confirmed.

8.1.3 Terms of Use: The Tastecard is subject to separate terms and conditions available through Tastecard. Sure Credit is not responsible for any issues arising from the use of the Tastecard.

8.1.4 Availability: This offer is subject to availability and may be altered or withdrawn at any time without notice.

8.1.5 No Cash Alternative: The offer is non-transferable and there is no cash alternative available.

8.2 Money Back Guarantee

8.2.1 Scope: We offer a Money Back Guarantee if your credit score does not improve after 12 months of using our service, under the following terms.

8.2.2 Eligibility:

• Engage with our service for a full 12 months without interruption.
• Complete 12 consecutive monthly payments of £19.99 each.
• Successfully link your account to our designated credit score provider.
• Follow your personalised action plan throughout the 12-month period.

8.2.3 Claim Process:

• Submit your refund claim via email to [email protected]   within 60 days after your 12-month service period ends. Include proof of payments, account activity logs, and documentation of action plan adherence.
• Refunds will be processed within 15 business days after your claim is verified.
• For queries or assistance with your claim, please contact our customer support at [email protected] .
9. Continuous payment authority

9.1 When you join, you will give us a continuous payment authority ("CPA") so that we can collect repayments automatically from your bank account using the debit card you specify.

9.2 We will not use the CPA to collect payments from you if you cancel your membership during the Trial Period, and you will owe us nothing.

9.3 If we are unable to collect the Fee on its due date, we will use CPA to make up to 12 additional attempts for the full membership fee up to a period of 62 days.

9.4 We reserve the right to check the validity of your nominated debit card at any time during your membership. You will not be charged for this, but it may appear on your bank statement. We use an account update service to prevent failed payments and save you from manually updating your debit card information. Some card issuers provide these services to help us keep your card information up to date in our system. As a result, when your card issuer notifies us, we may automatically update your card number, expiry date, or both.

9.5 You can cancel the CPA online at any time through your member's area or at app.surecredit.co.uk/cancel-request, with online cancellations processed immediately. Alternatively, you may cancel by emailing [email protected]   or by calling 0330 335 8509 .

10. Security

10.1 Your access to the www.surecredit.co.uk website and services is personal to you. You must not give anyone else access to your account on the www.surecredit.co.uk website or our services using your username and password. You must keep your username and password private.

10.2 We reserve the right to suspend your access to the website and services at any time if we believe there is or is likely to be a breach of security or your use of the website is harmful to us or anyone else.

10.3 We reserve the right to require you to change any or all of your passwords for the website and/or credit reporting and score services.

11. Copyright, trademarks and other intellectual property rights

11.1 You acknowledge and agree that we, those businesses who provide services to us as part of the credit reporting and score services, own all copyright, trademarks, and other intellectual property rights in the www.surecredit.co.uk website and credit reporting and score services and all aspects of them.

11.2 You are permitted to make reasonable copies of the information or reports provided as part of the credit reporting and score services for your own personal use only. You may not use it for commercial purposes or distribute it to others. You may not resell, republish, redistribute, copy (except as stated above), or adapt it.

12. Our liability to you

12.1 We will not be held liable for any death or personal injury caused by the use of this website.

12.2 Nothing in these terms and conditions affects your statutory consumer rights. As a result, we cannot and do not exclude or limit our liability to provide reasonable care and skill in providing our services.

12.3 Subject to clause 11.4, if we breach these terms and conditions or are negligent, we will only be liable for foreseeable loss or damage you suffer (that is, loss that is a likely result of our breach or negligence). We are not liable if the loss or damage was not reasonably foreseeable.

12.4 We are not responsible to you for any loss, damage, or other liability (whether it's because we broke these terms and conditions or were careless) that is more than £100 for each incident.

13. Data protection, cookies and privacy policy

13.1 You consent to our collecting, using, transferring, and disclosing your personal information in accordance with our Privacy Policy, and you also consent to our use of cookies as described in our Cookie Policy and our Privacy Policy.

13.2 TransUnion International UK Limited will collect personal information from you when you use the credit reporting and score services available on the www.surecredit.co.uk website. TransUnion International UK Limited's privacy policy explains what information they collect, what they do with it, and other related topics like cookies. Our privacy policy is incorporated into these terms and conditions.

13.3 If you choose to be transferred to the call center, they will have access to some of your personal information in order to provide you with our service.

13.4 To view TransUnion International UK Limited's privacy policy please see www.transunion.co.uk.

14. General

14.1 While we will make every effort to keep the website operational, we cannot guarantee its availability. We may need to take it down for maintenance from time to time. We will try to do this when we anticipate low usage, but we cannot guarantee that this will occur. No software provider can completely guarantee that its website and/or content are virus and bug free, but you should be aware that we are committed to making all of our services as virus and bug free as possible. As a result, you should use virus detection software.

14.2 Our services include providing you with access to your credit information, potential loan providers and third parties who may provide services you would be interested in. It is important to us that the information we provide to you is as accurate as possible, and we make reasonable efforts to ensure that it is. We cannot, however, guarantee that it is completely accurate. Some of this information comes from other businesses, which obtain it from other sources such as the electoral roll, insurance companies, or financial institutions. We, nor any other third parties used to provide services, have no control over the content of such information and are not liable if it proves to be incorrect.

15. How to contact us

15.1 General: For anything other than your credit report / score information, you can contact us by logging into your members area, calling us at 0330 335 8509 , or emailing us at [email protected] .

15.2 Credit Report/Score: Your Credit Report/Score is provided entirely by TransUnion International UK Limited. If you discover an unexpected result in your credit report or believe that the information is incorrect, please file a dispute in your online members area. This will result in a dispute, which will be investigated by TransUnion International UK Limited. We do not process or see any information provided by you in respect of any dispute you raise with TransUnion with regard to your credit report.

15.3 Complaints: If you have any questions or complaints about our services, please contact us using our 'contact us' form.

Please contact TransUnion International UK Limited if you have any concerns about the information on your credit report. Its complaints policy can be found at www.transunion.co.uk/consumer-solutions/frequently-asked-questions/complaints-process.

15.3.1 Complaints: We have a complaint resolution process in place. We have up to eight weeks to investigate your complaint and respond to you. If you are dissatisfied with our handling of a complaint after receiving a Final Response letter, you may file a complaint with the Financial Ombudsman Service. The Financial Ombudsman Service can be reached at:

• The Financial Ombudsman Service
• Exchange Tower
• London
• E14 9SR

Tel: 0800 023 4567 or 0300 123 9123

E-mail: [email protected]

Website: www.fos.org.uk

16. Hyperlinks to other websites

16.1. We may provide links to other websites or resources for you to access in order to provide you with more value. You can choose whether or not to use these links. We are not responsible for the availability or content of these external websites or resources once you have left our website. We have not reviewed or approved the content of these websites. If you provide your personal information to these external websites, the use of your information will be governed by the privacy policies of those websites, not ours.

17. Miscellaneous

17.1. We will not be liable for any delay or failure to deliver our services or otherwise perform any obligation under these terms and conditions that is caused by circumstances beyond our reasonable control.

17.2. If any portion of these terms and conditions is deemed invalid or unenforceable by any competent authority (such as a court), the validity or enforceability of the remaining portions of these terms and conditions will not be affected.

17.3. Anyone who is not a party to these terms and conditions has no rights under them.

17.4. The laws of England and Wales govern these terms and conditions, as well as your use of the www.surecredit.co.uk website and our services, and you agree to submit to the exclusive jurisdiction of the courts of England and Wales in relation to any disputes arising out of or in connection with those matters.