Terms of Business

1. Who we are and how the contract is formed

The Services are supplied by RecoverAble Solutions Ltd t/a RecoverAble Locate, a company registered in England and Wales with company number 13234996 and VAT registration number 372 9439 63.

• Registered office: Downsview House, 141–143 Station Road East, Oxted, United Kingdom, RH8 0QE
• Head and operating office: Airivo Chislehurst, 1 Bromley Lane, Chislehurst, BR7 6LH
• Contact: enquiry@recoverablesolutions.co.uk

RecoverAble Locate is a trading name of RecoverAble Solutions Ltd. It is not a separate legal entity.

The Services are business-to-business only. By purchasing, you warrant that you are acting wholly or mainly for purposes relating to your trade, business, craft or profession, that you are at least 18 years old, and that you have authority to bind the business or entity you name at checkout.

Ticking the mandatory acknowledgement at checkout and completing payment forms a binding contract on these Terms. We record the version of these Terms and of the Privacy Notice you accepted, together with the date, time, IP address and browser user-agent of that acceptance.

2. Definitions

• "Customer", "you" — the business or entity purchasing the Services.
• "Trace Subject" — an individual whose details you submit for tracing.
• "Services" — the RecoverAble Locate tracing, interpretation and reporting service.
• "Locate Report" — the output for one Trace Subject: the trace result, a plain-English interpretation and next-step guidance.
• "Report Allowance" — the number of Locate Reports available to you under your purchase or subscription.
• "Supplier" — TransUnion International UK Limited, the tracing and bureau data supplier used to deliver the Services.
• "Customer Data" — the data you submit to us, including Trace Subject identifiers.
• "Subscription Period" — the monthly or annual period for which you have paid.

3. Scope of the Services

The Services are a trace and a Locate Report. Nothing more is supplied.

We do not, as part of the Services:

• contact, correspond with or visit the Trace Subject;
• demand, negotiate or collect payment;
• commence, conduct or manage debt recovery, litigation or enforcement;
• act as your solicitor, process server, agent or representative;
• make any legal, regulatory, credit, tenancy, employment or eligibility decision.

The Services are not legal advice, financial advice or regulatory advice, and are not a substitute for independent verification or professional advice. Guidance in a Locate Report is decision support informed by RecoverAble's recovery experience; it is not an instruction and does not guarantee any outcome.

4. Permitted purpose — condition of access

You may only submit a trace where you have a genuine lawful business purpose and a lawful basis and authority to process the Trace Subject's personal data and to obtain and use the information returned.

The standard permitted purpose for RecoverAble Locate is genuine, lawful debtor tracing for a business purpose — locating an individual who owes, or is reasonably believed to owe, a genuine debt or liability to your business, or against whom your business has a genuine claim.

Any other purpose is permitted only where we have expressly approved it in writing in advance and it is permitted under the applicable terms of our data supplier. Do not assume a purpose is permitted because a submission is technically accepted.

You are solely responsible for deciding and documenting your lawful basis, for carrying out any legitimate-interests assessment, for meeting your transparency obligations (or establishing that a lawful exemption applies), and for complying with sector-specific rules that apply to you. Our acceptance of an upload does not give you a lawful basis.

5. Prohibited uses

You must not use the Services or any Locate Report for, without limitation:

• stalking, harassment, intimidation, coercion or threatening behaviour;
• domestic, family or relationship disputes, personal curiosity, or finding friends, partners or relatives for personal reasons;
• revenge, doxxing, public disclosure or publication of an address or other personal data;
• locating a protected, at-risk or vulnerable person without a clear lawful basis;
• fraud, identity theft, impersonation, deception or any criminal purpose;
• marketing, prospecting, list building or data enrichment for marketing;
• unlawful surveillance or monitoring;
• discrimination, or using a Locate Report as the sole basis for an employment, tenancy, credit, insurance or other eligibility or rights decision;
• tracing where the underlying debt, claim or purpose is knowingly false, fabricated, unlawful, disputed in bad faith or not genuinely connected to you;
• resale, sublicensing, bulk republishing, scraping, reverse engineering, model training, or creating a competing database or tracing/intelligence product;
• sanctions evasion or any other unlawful purpose.

6. Your warranties and data quality

You warrant that Customer Data is accurate to the best of your knowledge, relevant, proportionate and limited to what is necessary for the trace.

You must not knowingly upload special-category data, criminal-offence data, passwords, card or bank credentials, copies of identity documents, biometric data, or data about children, unless it is lawful, necessary, permitted by the Supplier and expressly authorised by us in advance.

You must keep your account and sign-in link secure, restrict access to authorised personnel, and notify us promptly at enquiry@recoverablesolutions.co.uk if you suspect any compromise or unauthorised use.

7. Compliance and misuse controls

We may, without notice and at our discretion:

• refuse or cancel a trace;
• suspend or terminate your account and access;
• require evidence of your lawful purpose, authority and lawful basis;
• preserve and review audit records;
• restrict, investigate or report suspicious activity;
• liaise with the Supplier, regulators, law enforcement or affected parties where legally required or permitted;
• terminate immediately for suspected misuse, fraud, illegality, breach of Supplier rules or material breach of these Terms.

To the extent permitted by law, no refund is due for Services or allowances suspended, withheld or lost as a result of your misuse or breach.

8. The Supplier and data flow

We deliver tracing under a contracted trace service with TransUnion International UK Limited (company number 03961870, One Park Lane, Leeds, West Yorkshire, LS3 1EP). Availability, coverage, response fields and results depend on the Supplier and on the underlying source data.

How the data flows, and what you are authorising:

• you instruct us by submitting trace identifiers;
• we receive those identifiers and send only the data necessary for the trace to the Supplier;
• the Supplier performs the contracted trace against its permitted datasets;
• the Supplier returns the permitted output to us;
• we create your RecoverAble Locate Report from that output.

For this contracted trace service the Supplier acts as an independent controller for the personal data it processes under the service, under its own Bureau Privacy Notice. It is not our sub-processor for that processing. By submitting a trace you authorise this disclosure and flow, and you confirm that you have your own lawful basis, authority and transparency position in place before submission.

• TransUnion Bureau Privacy Notice

9. Data accuracy and your duty to verify

Tracing information can be incomplete, historic, out of date, mismatched or wrong. We do not guarantee that a Trace Subject will be found, or that any address returned is current or correct.

A confidence indicator or interpretation is not proof of identity, residence, occupation or liability.

You must independently verify information before serving proceedings, taking enforcement action, altering legal rights, making an eligibility decision, or taking any other material or adverse action.

10. Guidance, automation and AI-assisted processing

We may use automated and AI-assisted systems to structure, summarise and map trace results against RecoverAble's proprietary knowledge framework in order to produce the interpretation and guidance in a Locate Report.

We do not make a decision based solely on automated processing that has legal or similarly significant effects on a Trace Subject through the Services. You remain the human decision-maker and must apply your own judgment.

11. Submissions and Report Allowances

• One person accepted for processing consumes one Locate Report allowance, whether or not a match is found, unless we expressly credit it back for a confirmed technical or service error on our side.
• Rows that fail our validation before acceptance do not consume an allowance.
• Instructions are submitted only by CSV upload in your account. Each upload must contain at least 10 traces.
• You may use part of your available report credits in an upload. An upload may not leave between 1 and 9 credits unused; the credits remaining after an upload must be 0 or at least 10.
• Pay As You Go report credits expire 6 calendar months after the date of purchase. Expired credits are not refunded.
• Monthly subscription credits are added each calendar month, and unused monthly credits roll over while your account remains open.
• A file containing any row that fails validation is rejected in full and consumes no credits; you may correct it and upload it again.
• We may combine accepted submissions internally for operational processing with our data supplier. Turnaround remains a target only and is not a guaranteed service level.
• Subscription quantities are the exact quantity selected and paid for at the time of purchase.
• Annual billing provides 12 months of service for the price of 10 months; credits are added each calendar month and unused credits roll over in the same way as monthly subscriptions.
• You must not split or duplicate files, or create multiple accounts, to circumvent usage limits or account controls.

12. Turnaround

Turnaround times are targets only and are not guaranteed. Processing time may vary according to submission size, batching and operational volume. Larger submissions are generally processed more quickly. Smaller submissions may be held for batch processing and can take up to 7 days.

These are targets and not a guaranteed service level. The Services are not a time-critical legal service. You must not rely on the Services to meet a statutory, court or limitation deadline without allowing sufficient contingency.

13. Prices, VAT and payment

• Prices displayed on our website and in our plan tables are net prices and exclude VAT.
• UK VAT is added at the applicable rate (currently 20%) at checkout and is charged in addition to the displayed price.
• Before you pay, the checkout shows the net amount, the VAT amount and the total payable.
• Invoices show the same split: the net amount, VAT at 20% and the total paid.
• Annual subscriptions are charged as ten months of the net monthly price for twelve months of allowance, with VAT applied to that annual net subtotal.
• Savings and per-trace comparisons we publish are net-to-net comparisons and exclude VAT on both sides.
• Card payments are handled by Trust Payments on their hosted payment page once live payment is enabled. We do not store raw card details.
• The minimum order is 10 Locate Reports in every buying mode, and the maximum through checkout is 1,000. Larger volumes are arranged separately.
• Pay As You Go is a one-off purchase of any quantity from 10 to 1,000 Locate Reports and does not create a subscription.
• Monthly and annual subscriptions renew automatically at the chosen interval unless cancelled before the next renewal date, once live payment functionality is enabled.
• Failed, reversed or charged-back payments entitle us to suspend the Services immediately and to recover sums due.
• You are responsible for keeping a valid payment method on file.
• Invoice and billing queries: finance@recoverablesolutions.co.uk. All other queries: enquiry@recoverablesolutions.co.uk.

14. Cancellation and refunds

You may cancel future renewal at any time using the method we make available, including by writing to finance@recoverablesolutions.co.uk. Cancellation stops future renewal; it does not retrospectively refund the current paid period.

Once a trace has been submitted or processing has begun, the relevant allowance or Pay As You Go purchase is non-refundable, except where we confirm a duplicate charge or a material service error.

Unused allowance has no cash value and is non-refundable on expiry, suspension or cancellation, subject to your mandatory legal rights.

15. Intellectual property and licence

You retain ownership of your original Customer Data, subject to third-party rights.

We own, and retain all rights in, the RecoverAble and RecoverAble Locate brands, the report format and presentation, templates, software, workflows, our interpretation and guidance framework, and our proprietary know-how.

We grant you a limited, non-exclusive, non-transferable licence to use Locate Reports internally for the permitted purpose for which they were obtained. You must not resell, extract, copy at scale, publish, reverse engineer, benchmark competitively with the intention of recreating the Services, or use Locate Reports to train models.

16. Confidentiality

Each party will keep the other's confidential commercial information confidential and use it only for the purposes of the contract. Disclosure is permitted to service providers, professional advisers and insurers under equivalent duties, and where required by law or a regulator.

17. Data protection — Data Processing Schedule

This Schedule forms part of these Terms and applies to processing of personal data under UK data protection law.

Roles:

• For Trace Subject data where you determine the purpose and means and we process on your instruction, you are the controller and we are the processor.
• We are an independent controller for account administration, billing and invoicing, security, fraud and misuse detection, compliance and audit, legal claims, marketing preferences and our own statutory records.
• TransUnion International UK Limited is an independent controller for the personal data it processes under the contracted trace service, under its own Bureau Privacy Notice. It is not our sub-processor for that processing, and you authorise the disclosure to it described in clause 8.

Processing details:

• Subject matter: tracing and Locate Report generation.
• Duration: the term of the Services plus the retention periods set out in our Privacy Notice.
• Nature: receiving, validating, transmitting to the Supplier, matching, receiving results, interpreting, reporting, storing and deleting.
• Categories of data subject: Trace Subjects.
• Types of personal data: name, title, forename, other names, surname, date of birth, current, previous and last-known addresses, postcode, your own reference, and the resulting trace data and interpretation.
• No special-category data is intended or required.

As processor we will:

• process only on your documented instructions unless required otherwise by law, notifying you where lawful to do so;
• ensure persons authorised to process the data are bound by confidentiality;
• implement appropriate technical and organisational security measures;
• engage sub-processors — our cloud database, authentication, secure storage and email delivery infrastructure providers — under terms providing equivalent protection where legally required; you authorise those sub-processors and we will inform you of intended changes. The Supplier is not a sub-processor for the contracted trace service; it is an independent controller as described in clause 8;
• assist you in responding to data subject rights requests;
• notify you without undue delay on becoming aware of a personal data breach affecting your data, and assist with your notification obligations;
• assist with data protection impact assessments and regulator engagement where required;
• delete or return the data at the end of the Services, subject to the retention periods and legal obligations described in our Privacy Notice;
• make available information reasonably necessary to demonstrate compliance and allow audit; audits will be document-based or remote in the first instance, must not compromise the security or confidentiality of other customers, and you will bear the reasonable cost of excessive or bespoke audits unless a material breach is found;
• carry out international transfers only where an adequacy regulation, the UK International Data Transfer Agreement or Addendum, or another lawful safeguard applies.

18. Liability

Nothing in these Terms limits or excludes our liability for death or personal injury caused by our negligence, for fraud or fraudulent misrepresentation, or for any other liability that cannot lawfully be limited or excluded.

Subject to that, and to the extent permitted by law:

• we exclude liability for indirect and consequential loss, and for loss of profit, revenue, opportunity, goodwill, anticipated savings and business interruption;
• we exclude liability for loss caused by any action or inaction you take on the basis of tracing information you have not independently verified;
• we are not liable for incorrect, incomplete or out-of-date third-party, Supplier or source data where we have taken reasonable care;
• our total aggregate liability for all claims connected with the Services is limited to the greater of £100 and the total fees you actually paid for the Services in the 12 months before the event giving rise to the claim.

You must take reasonable steps to mitigate any loss. There is no double recovery for the same loss.

19. Your indemnity

To the extent permitted by law, you indemnify us against third-party and regulatory claims, fines where legally recoverable, losses and reasonable costs arising from your unlawful instructions, lack of authority or lawful basis, prohibited use, false or misleading Customer Data, unlawful onward disclosure, contact or action, or your material breach of these Terms. This indemnity does not extend to loss caused by our own negligence or wilful breach.

20. Availability and force majeure

We will use reasonable skill and care to keep the Services available but do not guarantee uninterrupted access. Access may be affected by maintenance, security measures, Supplier outages or matters beyond our reasonable control, including events of force majeure. We are not liable for delay or failure caused by such events.

21. Termination

Either party may terminate a subscription at the end of the current paid period. We may terminate or suspend immediately for misuse, illegality, security risk, a Supplier requirement, material breach or failed payment.

Accrued rights, intellectual property, confidentiality, data protection, liability and payment obligations survive termination as appropriate.

22. Complaints and notices

Complaints and formal notices must be in writing to enquiry@recoverablesolutions.co.uk or to our head office at Airivo Chislehurst, 1 Bromley Lane, Chislehurst, BR7 6LH. We will acknowledge and investigate complaints promptly.

23. General

• These Terms, together with the pricing and acknowledgement presented at checkout, form the entire agreement between us.
• Neither party relies on any statement not set out in these Terms, except in the case of fraud.
• You may not assign or transfer your rights without our written consent; we may assign to a group company or successor.
• Nothing creates a partnership, agency or employment relationship.
• A failure to enforce a term is not a waiver of it.
• If a provision is unenforceable, the remainder continues in force.
• No third party may enforce these Terms.
• We may change these Terms or our prices with reasonable notice; changes apply from your next renewal or next purchase.
• These Terms are concluded in the English language.

24. Governing law and jurisdiction

These Terms and any dispute arising from them are governed by the law of England and Wales, and the courts of England and Wales have exclusive jurisdiction.