Terms of service

Hello and welcome to Freeze Debt’s Terms of Service!

These Terms of Service ("Terms") cover your use of and access to the sites, templates, products, applications, tools and features (collectively, the "services") provided by Freeze Debt (as defined below), including without limitation during all associated domains of www.freezedebt.co.uk and on Freeze web and mobile applications.

By using or accessing the services, you're agreeing to these Terms set out below. If you're using the services for yourself and a partner, you're agreeing to this Agreement on behalf of that partner, and you represent and warrant that you can do so. References to “you”, "your” and similar terms are construed accordingly in this Agreement. If you don’t agree to all the terms in this Agreement, you may not use or access the services.

You are agreeing to this Agreement with SwapGroup LTD(“Freeze”). References to “Freeze”, “us”, “we” and “our” mean SwapGroup LTD. If your place of residence or principal place of business changes, the Freeze entity you contract with will be determined by your new residence or principal place of business, as specified above, from the date it changes.

Please read this Agreement carefully! It includes important information about your legal rights, and covers areas such as automatic subscription renewals, warranty disclaimers, limitations of liability, the resolution of disputes by arbitration and a class action waiver. Please note if you are an EU Consumer (as defined below), some of these provisions may not apply to you and you may be entitled to specific rights under the mandatory laws of the country in which you live.

We’ve tried to make this Agreement fair and straightforward, but feel free to contact us if you have any questions or suggestions.

1.    Creating An Account

Make sure your account information is accurate and that you keep your account safe. You’re responsible for your account and any activity on it. Also, you need to be at least 16 years old to use Freeze.

1.1. Signing Up. To use many of the services, you must first create an account (“Account”). You agree to provide us with accurate, complete and updated information for your Account. We may need to use this information to contact you.

1.2. Staying Safe. Please safeguard your Account and make sure others don't have access to your Account or password. You're solely responsible for any activity on your Account and for maintaining the confidentiality and security of your password. We’re not liable for any acts or omissions by you in connection with your Account. You must immediately notify us if you know or have any reason to suspect that your Account or password have been stolen, misappropriated or otherwise compromised or in case of any actual or suspected unauthorized use of your Account.

1.3. Sixteen And Older. The Services are not intended for and may not be used by children under the age of 16. By using the Services, you represent that you're at least 16. If you’re under the age of 18, depending on where you live, you may need to have your parent or guardian’s consent to this Agreement and they may need to enter into this Agreement on your behalf.

2.    Your INFORmation

When you upload information to Freeze, you still own it. You do, however, give us permission to use it in ways necessary to provide, improve, promote and protect our services. For example, when you upload a photo, you give us the right to save it and pass it to providers.

3.    Your Responsibilities

You’re responsible for the information you pass to Freeze, and you vouch to us that it’s all okay to use. We ask that you follow our rules and don’t do anything illegal with the services. Also keep in mind that what you upload may be viewed by licensed Freeze staff.

3.1. Only upload information you have valid access to. You represent and warrant that you own all rights to your information or otherwise have (and will continue to have) all rights and permissions to legally use, share, display, transfer and license your information via the services and in the manner required by this Agreement. If we use your information in the ways described in this Agreement, you represent and warrant that such use will not infringe or violate the rights of any third party, including without limitation any copyrights, trademarks, privacy rights, publicity rights, contract rights, trade secrets or any other intellectual property or proprietary rights. Also, content on the services may be protected by others' intellectual property, trade secret or other rights. Please don't copy, upload, download or share vital information unless you have the right to do so.

3.2. Follow The Law. You represent and warrant that your use of the services is not contrary to law, including without limitation applicable export or import controls and regulations and sanctions.

4.    Our Intellectual Property

Freeze Debt is protected by various intellectual property laws. This section summarizes what we own and how we share.

4.1. SwapGroup LTD Owns Freeze. The services are protected by copyright, trademark and other laws. This Agreement doesn't grant you any right, title or interest in the services, others’ User Content, our trademarks, logos or other brand features or intellectual property or trade secrets or others’ content in the services. You agree not to change, translate or otherwise create derivative works of the services or others’ User Content.

4.2. We Can Use Your Feedback For Free. We welcome your feedback, ideas or suggestions (“Feedback”), but you agree that we may use your Feedback without any restriction or obligation to you, even after this Agreement is terminated. This Section does not limit or affect any rights you may have under applicable data protection laws.

5.    Our Rights

To operate effectively and protect the security and integrity of Freeze, we need to maintain control over what happens on our services.

5.1. Important Things We Can Do. We reserve these rights, which we may exercise at any time and in our sole discretion, and without liability or notice to you (except where prohibited by applicable law): (a) we may change parts or all of the services and their functionality; (b) we may suspend or discontinue parts or all of the services; (c) we may terminate, suspend, restrict or disable your access to or use of parts or all of the services; (d) we may terminate, suspend, restrict or disable access to your Account or parts, some or all of your solution; and (e) we may change our eligibility criteria to use the services (and if such eligibility criteria changes are prohibited by law where you live, we may revoke your right to use the services in that jurisdiction).

5.3. HTTPS Encryption. We may offer HTTPS encryption for our website. By using our site, you accept that this is suitable encryption and protection against any threats, and accept our services knowing this is the safeguarding in place. We do not limit our security to these measures.

6.    Privacy

Our Privacy Policy explains how we collect, use and share your personal information for our own purposes. Be sure to read it carefully, but note it is not part of this Agreement and can change. It is really important that you comply with data protection laws when using the services, such as when you collect others’ personal information or use cookies or similar technologies (including those we drop for you at your request, such as for web analytics).

6.1. Privacy Policy. By using the services, you confirm that you have read and understood our Privacy Policy. However, it is not a contractual document and does not form part of this Agreement and we may change it from time to time.  

6.2. You Must Comply With Data Protection, Security And Privacy Laws. You agree and warrant that you are solely responsible when using services for complying with applicable data protection, security and privacy laws and regulations (including, where applicable, the EU General Data Protection Regulation and the EU e-Privacy Directive/Regulation), including any notice and consent requirements. This includes without limitation the collection and processing by you of any personal data, when you use the services to send marketing and other electronic communications to individuals and when using cookies and similar technologies on our site and application (including, in particular, those which we place for you at your request as part of the services, such as to undertake a debt solution for you).

6.3. Protect And Improve The Services. You agree that we may protect and improve our services through analysis of your use of the services, in anonymized, pseudonymized, de-personalized and/or aggregated form.

7.    Copyright

We comply with copyright law, and respond to complaints about copyright infringement in accordance with our Copyright Policy.

We respect the intellectual property of others and ask that you do too. We respond to notices of alleged copyright infringement if they comply with the law, and such notices should be reported via complaints@freezedebt.co.uk, which is incorporated by reference into this Agreement. We reserve the right to delete or disable content alleged to be infringing, and to terminate Accounts of repeat infringers without any refunds.

8.    Paid Services And Fees

Certain Services are paid services. This section explains how we handle payments for those paid services.

8.1. Fees. You can access certain portions of the Services by submitting a fee payment (such additional services, “Paid Services”). Paid Services will remain in effect until cancelled or terminated in accordance with this Agreement. We’ll tell you about fees for Paid Services before charging you. You may cancel Paid Services at any time via the app or through email. If you don't pay for Paid Services on time, we reserve the right to suspend or cancel your access to the Paid Services. Transaction fees and additional fees may also apply to certain portions of the Services, and we’ll tell you about those fees before charging you. Our fees will appear on an invoice that we provide via the Services, within your eCommerce Payment Processor account(s) and/or on a mobile app store invoice, unless otherwise indicated. Please note that different Paid Services have different fees and payment schedules, and cancelling one Paid Service may not cancel all your Paid Services.

8.2. Taxes. All fees are exclusive of applicable national, provincial, state, local or other taxes (“Taxes”), unless explicitly stated otherwise. You're responsible for all applicable Taxes, and we'll charge Taxes in addition to the fees for the Services when required to do so. If you're exempt from Taxes, you must provide us with valid tax exemption documentation. We reserve the right to determine if the documentation provided is valid. Tax exemption will, provided we’re satisfied it’s valid and applicable, only apply from and after the date we receive such documentation. If Freeze has a legal obligation to pay or collect indirect Taxes (such as value-added tax or goods and services tax) on the sale to you under the laws of your country (where you are established, have a permanent address or usually reside), you shall be liable for payment of any such indirect Taxes. Where Freeze does not have a legal obligation to pay or collect indirect Taxes on a sale of Paid Services to you, you may be required to self-assess those Taxes under the applicable laws of your country (where you are established, have a permanent address or usually reside).

8.3. Fee Changes. We may change our fees at any time. We’ll provide you with advance notice of these fee changes via the Services. New fees will not apply retroactively. If you don't agree with the fee changes, you have the right to reject the change by cancelling the applicable Paid Service before your next payment date.

9.    Term And Termination

Either of us can end this agreement at any time.

This Agreement will remain in effect until terminated by either you or us. You may terminate this Agreement at any time via the Services. We reserve the right to change, suspend or discontinue, or terminate, restrict or disable your use of or access to, parts or all of the Services or their functionality at any time at our sole discretion and without notice. For example, we may suspend or terminate your use of part or all of the Services if you're violating these Terms or Privacy Policy. We will endeavour to provide you reasonable notice upon suspending or terminating part or all of the Services. All sections of this Agreement that by their nature should survive termination shall survive termination, including without limitation Your Content, Our Intellectual Property, Warranty Disclaimers, Limitation of Liability, Indemnification, Dispute Resolution and Additional Terms.

10.    Dispute Resolution

This section may not apply to you. If it does, before filing a claim against Freeze, you agree to try to work it out informally with us first. Also, all formal disputes must be resolved through arbitration following the rules described below, unless you opt out of arbitration following the procedure described below. Finally, claims can only be brought individually, and not as part of a class action.

10.1. Informal Resolution. Before filing a claim against Freeze, you agree to try to resolve the dispute by first emailing complaints@freezedebt.co.uk with a description of your claim. We'll try to resolve the dispute informally by following up via email, phone or other methods. If we can’t resolve the dispute within thirty (30) days of our receipt of your first email, you or Freeze may then bring a formal proceeding.

11.    Modifications

We may modify this Agreement from time to time, and will always post the most current version on our site. If a modification meaningfully reduces your rights, we’ll notify you (by, for example, sending you an email or displaying a prominent notice within the services). The notice will designate a reasonable period after which the new terms will take effect. Modifications will never apply retroactively. By continuing to use or access the services after any modifications come into effect, you agree to be bound by the modified Agreement and price changes. If you disagree with our changes, then you should stop using the services and cancel all Paid services.