These terms and conditions are for the corporate website (accessed through www.cabotcm.com) for Cabot Credit Management Group (referred to as "Cabot/we/our/us"), full company details appear at the end of these terms and conditions.

As a user of this website (referred to as "you/your") you acknowledge that any use of this website is subject to these terms and conditions (which also includes the Privacy Policy).

Please:

  • read through these terms and conditions carefully before using this corporate website
  • print a copy for future reference
  • also read our Privacy Policy section regarding your personal information.

If you are looking for information with regard to repayment of your debt with Cabot Financial (Europe) Limited or Apex Credit Management Limited then please go to http://www.cabotfinancial.co.uk/ or https://myapex.apexcm.co.uk/ as applicable as you are now visiting the corporate website for the Cabot Credit Management Group. Please note that by clicking on any of the links above or by accessing the relevant Customer Website, you agree to be bound by different terms and conditions and Privacy Policy.

1. General

1.1 You acknowledge that if your use of this website is for business purposes then your use is in the course of your employment and you are using this website with the permission of your employer or entity/organisation that you represent as such use by you will bind the employer/organisation on whose behalf you are making such use, to the prevailing terms and conditions. If you do not have permission from your employer or entity/organisation then you must not access or use this website. Accordingly, 'you/your' shall also include your employer or entity/organisation.

1.2 We reserve the right to change these terms and conditions at any time. Any such changes will take effect when posted on the website and it is your responsibility to read the terms and conditions on each occasion you use this website and your continued use of the website shall signify your acceptance to be bound by the latest terms and conditions.

1.3 When you use any services on this website, please also read any additional information provided on the relevant web pages as this information will provide you with important information, full details on how to use such services and other legal information.

2. Intellectual Property

2.1 You acknowledge and agree that all copyright, trademarks and all other intellectual property rights in all materials and/or content made available as part of your use of this website shall remain at all times vested in us or our licensors. You are permitted to use this material only as expressly authorised by us or our licensors. You further acknowledge that any other use of the material and content of this website is strictly prohibited and you agree not to (and agree not to assist or facilitate any third party to), in any way, copy, reproduce, transmit, publish, display, distribute, commercially exploit or create derivative works of such material and content whatsoever without our prior written approval.

3. Liability and Indemnity

3.1 Nothing in these terms and conditions excludes or limits liability for death or personal injury caused by negligence, fraudulent misrepresentation, or any other liability which may not otherwise be limited or excluded under applicable law.

3.2 Subject to Section 3.1 above, Cabot will use reasonable endeavours to verify the accuracy of any information on the site but makes no representation or warranty of any kind, express or implied statutory or otherwise, regarding the contents or availability of the website or that it will be timely or error-free, that defects will be corrected, or that the site or the server that makes it available are free of viruses, bugs or Trojans of any kind or represents the full functionality, accuracy, reliability of the website. Cabot will not be responsible or liable to you for any loss of content or material uploaded or transmitted through the website and Cabot accepts no liability of any kind for any loss and/or damage from action taken or taken in reliance on material or information contained on the site.

3.3 Subject to Section 3.1 above, other than as expressly provided in these terms and conditions, any indemnities, warranties, terms and conditions (whether express or implied) are hereby excluded to the fullest extent permitted under applicable law.

3.4 Subject to Section 3.1 above, Cabot will not be liable, in contract, tort (including, without limitation, negligence), pre-contract or other representations (other than fraudulent on negligent misrepresentations) or otherwise out of or in connection with the terms and conditions for any: economic losses (including without limitation loss of revenues, data, profits, contracts, business or anticipated savings); or loss of goodwill or reputation; consequential, special or indirect losses suffered or incurred by that party arising out of or in connection with the provisions of any matter under these terms and conditions.

3.5 We will take all reasonable measures to safeguard any details submitted using the secure website, but we cannot be held liable for any loss and/or damage caused whatsoever as a result of unauthorised access to information provided by you, unless we are proven to be negligent.

4. Miscellaneous Provisions

4.1 These terms and conditions form the whole agreement between you and us for your access to and use of this website and shall be governed by the laws of England and any dispute between us will be resolved exclusively in the courts of England.

4.2 Cabot shall be under no liability for any delay or failure to otherwise perform any obligation as specified in these terms and conditions if the same is wholly or partly caused whether directly or indirectly by circumstances beyond its reasonable control.

4.3 We may provide links to other websites or resources for you to access at your sole discretion. You acknowledge and agree that by you accessing any linked website, we are not responsible for the availability of such external sites or resources, and do not review or endorse and are not responsible or liable, directly or indirectly, for (i) the privacy practices of such websites, (ii) the content of such websites, including, without limitation, any advertising, content, products, goods or other materials or services on or available from such websites or resources or (iii) the use to which others make of these websites or resources, nor for any damage, loss or offence caused or alleged to be caused by, or in connection with, the use of or reliance on any such advertising, content, products, goods or other materials or services available on such external websites or resources.

4.4 You may not assign or sub-contract any of your rights or obligations under these terms and conditions to any third party or whatsoever unless agreed upon in writing by Cabot.

4.5 Cabot reserves the right to transfer, assign, novate or sub-contract the benefit of the whole or part of any of its rights or obligations under these terms and conditions and/or any other terms and conditions to any third party and/or any person or legal entity within the Group and "Group" shall mean Cabot Financial Group and its associated Companies.

4.6 If any portion of these terms and conditions is held by any competent authority to be invalid or unenforceable in whole or in part, the validity or enforceability of the other sections of these terms and conditions shall not be affected.

4.7 These terms and conditions do not create or confer any rights or benefits enforceable by any person that is not a party (within the meaning of the U.K. Contracts (Rights of Third Parties) Act 1999).

4.8 No delay or failure by Cabot to exercise any powers, rights or remedies under these terms and conditions will operate as a waiver of them nor will any single or partial exercise of any such powers, rights or remedies preclude any other or further exercise of them. Any waiver to be effective must be in writing and signed by an authorised representative of Cabot.

4.9 These terms and conditions including the documents or other sources referred to in these terms and conditions supersede all prior representations understandings and agreements between you and Cabot relating to the use of this website and sets forth the entire agreement and understanding between you and Cabot for your use of this website. This website (www.cabotcm.com) is operated by the Cabot Credit Management Group.

This website is owned and operated by Cabot Credit Management Limited, a company registered in England with company number 05754978. Registered Office: 1 Kings Hill Avenue, Kings Hill, West Malling, Kent, ME19 4UA.

The Cabot Credit Management Group includes:

  • Cabot Financial (Europe) Limited
  • Apex Credit Management Limited
  • Cabot Financial (UK) Limited
  • Financial Investigations and Recoveries (Europe) Limited

Apex Credit Management Limited, Cabot Financial (Europe) Limited, Cabot Financial (UK) Limited and Financial Investigations and Recoveries (Europe) Limited are licensed under the Consumer Credit Act 1974. You can view our licences on the Office of Fair Trading Public Register (http://www2.crw.gov.uk/pr/Default.aspx)

The Cabot Credit Management Group is a member of the Credit Services Association, the Debt Buyers and Sellers Group and the Civil Courts Users Association.

Apex Credit Management Limited and Cabot Financial (Europe) Limited are members of CAIS, Insight and Share, the credit bureaux reporting platforms provided by Experian, Equifax and Callcredit respectively.

5. Corporate and Financial Information and Reports

The directors for Cabot are responsible for the maintenance and integrity of the corporate and financial information included on the company’s website.  Legislation in the United Kingdom governing the preparation and dissemination of financial statements may differ from legislation in other jurisdictions.