Terms of Business

Last Updated: [Insert Date]

Welcome to Council Disrepair Claims (“we”, “us”, “our”). These Terms of Business govern your use of our website and services related to housing disrepair claims. By using our services, you accept these Terms in full.

1. About Us

Council Disrepair Claims is a trading name of CDC Marketing Ltd, registered in England and Wales (Company No: 16473588), with its registered office at 24 Greek St, Stockport SK3 8AB.
We are not regulated by the Solicitors Regulation Authority (SRA) and do not provide legal advice or representation.
We operate as a lead generation business and are not authorised or regulated by the Financial Conduct Authority (FCA) or the Claims Management Regulator (CMR). We sell leads to a third-party FCA-authorised intermediary for the purposes of progressing housing disrepair claims.

2. Our Services and Your Rights

• We provide a platform for you to submit details relating to a potential housing disrepair claim.
• We assess your submission against basic eligibility criteria.
• If eligible, we sell your lead to Consumer Credit Justice Limited, an FCA-authorised intermediary (FCA Registration No: 834486), who may contact you directly to discuss your claim and any associated services.
• We do not provide legal advice or representation.
• You are under no obligation to proceed with any claim or service offered by the intermediary.
• We do not charge you any fees. Our revenue is generated by selling qualified leads to the FCA-authorised intermediary.

3. Your Right to Cancel (Cooling-Off Period)

• You have the right to cancel your lead submission within 14 calendar days from the date you provide your information (“cooling-off period”).
• To cancel, please notify us in writing by email at info@councildisrepairclaims.com or by post at 24 Greek St, Stockport SK3 8AB.
• Your cancellation notice must include your full name, contact details, and confirmation you wish to cancel your lead submission.
• If you cancel within the cooling-off period, we will not sell your lead and will delete your personal data from our records, except where retention is required by law.
• After the cooling-off period expires, your lead may be sold to the FCA-authorised intermediary unless you notify us otherwise.

4. Fees and Payment

• We do not charge you any fees.
• Our business model is based on selling qualified leads to the FCA-authorised intermediary at a fixed pre-agreed price.
• The FCA-authorised intermediary will explain any fees, charges, or costs directly related to their services prior to you agreeing to proceed.

5. Data Protection, Privacy, Communication, and Marketing Consent

• We are committed to protecting your privacy. Please refer to our Privacy Policy for details on how we collect, process, store, and share your personal data.
• By submitting your information, you consent to us sharing your personal data with the FCA-authorised intermediary for the purpose of assessing and progressing your claim.
• You consent that we or the FCA-authorised intermediary may contact you using the details you provide via the following methods:
  • Email
  • Telephone calls (including pre-recorded messages)
  • SMS/text messages
  • Post
  • Other electronic messaging services (e.g., WhatsApp or other messaging apps)
• We will only contact you for marketing purposes if you have given explicit consent in accordance with UK GDPR and the Privacy and Electronic Communications Regulations (PECR).
• You may withdraw your marketing consent or opt out of communications at any time by contacting us at info@councildisrepairclaims.com.

6. Website Cookies

• Our website uses cookies and tracking technologies to enhance user experience and collect analytics data. Please review our Cookie Policy for more information on how we use cookies and how you can manage your preferences.

7. Accuracy of Information

• You warrant that all information you provide to us is accurate, truthful, and complete.
• We cannot be held responsible for any loss, damages, or missed opportunities resulting from inaccurate or incomplete information you submit.

8. Limitation of Liability and Consumer Rights

• To the fullest extent permitted by law, we exclude liability for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of our services or the services of the FCA-authorised intermediary.
• Our total liability to you in connection with these Terms shall not exceed the amount paid to us by the FCA-authorised intermediary for your lead.
• Nothing in these Terms shall exclude or limit our liability for death or personal injury caused by negligence, fraud, or any other liability that cannot be excluded or limited by law.

9. Intellectual Property

• All content on this website, including text, graphics, logos, images, and software, is the property of CDC Marketing Ltd or its licensors and is protected by UK and international intellectual property laws.
• You may not reproduce, distribute, modify, or create derivative works from any content without our express written consent.

10. Force Majeure

• We shall not be liable for any failure or delay in performance caused by events beyond our reasonable control, including but not limited to acts of God, war, terrorism, strikes, government restrictions, or technical failures.

11. Complaints and Dispute Resolution

• If you have a complaint about our service, please contact us at:
  Email: info@councildisrepairclaims.com
  Phone: 0161 383 1191
  Address: 24 Greek St, Stockport SK3 8AB
• We aim to acknowledge your complaint within 5 working days and resolve it promptly.
• If we cannot resolve your complaint to your satisfaction, you may refer the matter to an alternative dispute resolution (ADR) scheme or ombudsman, if applicable.

12. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of England and Wales. You agree that any dispute arising out of or in connection with these Terms will be subject to the exclusive jurisdiction of the courts of England and Wales.

13. Changes to Terms

We may update these Terms from time to time. We will notify you of any material changes by posting the new Terms on our website. Continued use of our services after changes constitutes acceptance.

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If you have any questions regarding these Terms, please contact us at info@councildisrepairclaims.com.