Maras | Terms & Conditions
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Terms & Conditions

1. The site

www.maras.co.uk is operated by Maras Limited for the purpose of providing Referencing and Insurance Services. Access and use of this web site is subject to the following terms and conditions of use. By accessing this site you signify your acceptance of these terms and conditions of use.

2. About

Maras is a trading name of Direct Group Limited which is authorised and regulated by the Financial Conduct Authority. Firm reference number 307332. Maras insurance is underwritten by UK General Limited on behalf of Great Lakes Insurance SE. UK General Limited is authorised and regulated by the Financial Conduct Authority. Firm Reference Number 310101. Great Lakes Insurance SE is a German insurance company with its headquarters at Königinstrasse 107, 80802 Munich. UK Branch office: Plantation Place, 30 Fenchurch Street, London, EC3M 3AJ. Great Lakes Insurance SE, UK Branch, is authorised by Bundesanstalt für Finanzdienstleistungsaufsicht and subject to limited regulation by the Financial Conduct Authority and Prudential Regulation Authority. Details about the extent of their regulation by the Financial Conduct Authority and Prudential Regulation Authority are available on request.

You can check this information on the Financial Services Register by visiting www.fca.org.uk/ register or by contacting the Financial Conduct Authority on 0800 111 6768.

3. Security

Maras are committed to protecting the privacy of the information you provide to us, even when you are no longer a user of the system.

  • Note that the control of and security of account numbers, identification codes and passwords used to access the Referencing Service are the sole responsibility of the Client or Applicant as appropriate. Maras shall have no liability whatsoever to any Client or Applicant for any losses (whether direct, indirect or consequential) occasioned by use of the aforementioned security items by unauthorised persons
  • From time to time there might be a need to issue new Client IDs. Any new Client ID will take effect 24 hours after notice of this change
  • Each Applicant will be provided with a unique URL (Uniform Resource Locator) and password, for the sole purpose of submitting information in relation to his/her own individual assessment. The Applicant undertakes not to pass these details to another individual
  • Should a Client or Applicant become aware of any unauthorised use of the aforementioned security items, they will inform Maras immediately by contacting Referencing Customer Services on 0330 1028773.

It is your sole responsibility to:

  • Protect and back up your data and/or equipment
  • Undertake reasonable and appropriate precautions against any computer virus or other destructive materials or elements, and ensure that your computers and your access to this site are adequately secured against any unauthorised users.

There is no guarantee that any e-mail or messages sent over the Internet will be received by us, or that the contents of any such e-mail will remain private during Internet transmission. Neither we nor any other member of Direct Group are responsible for any such messages nor liable to you or anyone else for any damages or otherwise in connection with any messages sent by you to us or any third party or any messages sent by or appearing to be sent by us or any third party to you over the Internet (including e-mail).

4. Privacy policy

By using this site, you agree to the use of any personal data that Maras may hold on you. The use of this data will be in accordance with the terms of the Privacy Policy below.

Before using the www.maras.co.uk Referencing web site, you should note the following points.

Definitions:
“Web Browser”: Runs on the User’s PC and requests information from any Web Server on the World Wide Web.
“Web Server”: Based on requests from the Web Browser, the Web Server returns pages of information to be viewed by the user on his/her own PC.
“Cookies”: A file stored on the User’s PC by the Web Browser as requested by the Web Server. This file is transmitted to the Web Server each time the Web Browser requests information from the Web Server and is used as a means of customizing web pages and facilitating use of the web site.

The site will use Cookies for storing user information to permit us to identify you when you re-visit the site. All storage, use and transmission of personal information relating to an individual or a Company is subject to the Data Protection Act 1998.

Our privacy policy does not extend to any third party sites that you might visit via the www.maras.co.uk site, or be directed to the www.maras.co.uk site from.

All information that we gather from you in connection with your use of this site (‘your information’) will be processed or otherwise dealt with by us in accordance with our Privacy Policy (as amended from time to time).

We may, as a result of your interaction with this site, hold and process personal information obtained about you when you access the site and use if for servicing our relationship with you, to provide you with products and services, to evaluate the effectiveness of this site, to conduct our business, to provide you with better customer services and for statistical analysis.

Your information may also be used for fraud prevention and audit purposes. If you give us false or inaccurate information and we suspect fraud, we will record this and inform the relevant authorities.

We may pass your information to other members of Direct Group or agents or others permitted by law so that they may do the same, and they may pass information held by them about you to us so that we may do the same.

We will not disclose any such information outside of Direct Group except for fraud prevention purposes, and/or if required/obliged by law or governmental or judicial bodies or agencies or to our regulators under proper authority, or under a strict code of secrecy to subcontractors or persons acting as our agents or where we have your consent or have previously informed you.

Your information may also be exchanged with members of Direct Group and others to provide you with products and services. You will have the opportunity to give us your permission to use your personal data for this purpose before you your buy any products, and/or when you access any interactive sections on the site. Your information will not be used for this purpose if you do not give us this permission.

If you visit the Maras site, having been introduced to Maras by a third party site, then information supplied by you to us may be passed on to the relevant third party only.

We may also in connection with the above and the provision of this site, transfer your personal data to other members of Direct Group and/or third parties in jurisdictions inside or outside the European Union where there may be less stringent data protection laws. However, wherever it is held and processed, your personal data will be protected by a strict code of secrecy and security which all members of Direct Group, their staff and third parties are subject to and will only be used in accordance with our instructions.

By agreeing to these Terms you agree to such data being so used and that it may be transmitted to others as stated above. We may contact you to ensure that any information you have requested has been received. Under data protection legislation in the United Kingdom, you can ask in writing for a copy of certain personal records we hold about you. We may make a charge for this service.

5. Charges

  • The Client will be charged in relation to the Referencing and Insurance Services used and according to the prevailing charges as notified separately. Maras may modify these charges from time to time.
  • The Client accepts responsibility for all charges arising as a result of the use of Client Account, Client IDs and passwords provided to them, irrespective of whether or not the charges arose as a result of activity authorised by the Client.
  • The Clients application must be supported by one of the payment methods listed below:
    • Payment via Credit Card will be taken up front and the order processed
    • Monthly Statement Application and completed Direct Debit mandate to be submitted for necessary credit checks.

Agents/Landlords meeting approved credit check criteria will be notified by Maras via e-mail or telephone and the account will be set up to collect via Direct Debit.

6. Using Referencing Services

  • All Clients and Applicants must not restrict any other Client or Applicant from using and enjoying the Referencing Services. Nor should any Client or Applicant upload, post, publish, transmit, reproduce or distribute in any way, information or other material on the Website without prior written permission.
  • All Clients will ensure that all Applicants whom they direct to use the Website give his/her express prior consent to the use of the relevant Referencing Service. Further, all Clients agree that the information provided as a result of the assessment process shall not be provided to any third party other than those with a legitimate interest in the outcome of the assessment.
  • All Clients will ensure that the Referencing Services provided to them or their organisation or company via unique and secure logins are used for the sole purpose of assessing prospective tenants and/or guarantors and for no other purpose.

7. Links from and to the Website

You acknowledge and agree that Maras has no responsibility for the accuracy or availability of information provided by linked sites. Links to external web sites do not constitute an endorsement or recommendation by Maras of such sites or the content, products, advertising or other materials presented on such sites.

8. Copyright

All site design, text, graphics and the selection or arrangement thereof in the www.maras.co.uk web site are subject to copyright unless otherwise indicated.

You may print, copy, download or temporarily store extracts from this website for your personal information or use or to help you use our products and services. You must not alter anything contained in or obtained from this website in any form. Any other use is prohibited unless you first get our written permission. In particular, no-one may use a part of our website on any other website, or link any other website to our website, without prior written permission.

All reasonable endeavours have been taken to ensure that the information provided is accurate and current. However, Maras does not warrant that the information is accurate or complete. All Clients and Applicants acknowledge and agree that certain information within the site is provided by third parties and that Maras have no control over the accuracy or completeness of such third party data. Maras shall not be liable for any typographical or other errors or omissions within the material contained in this site.

10. Service Availability

We will endeavour to ensure that the website is accessible for 24 hours a day. However, we will not be liable if, for any reason, the website is unavailable for any time or for any period. We have the right to suspend access to the website temporarily or permanently without notice. We will not be liable for loss or damages arising in contract, tort or otherwise with the website is unavailable or is suspended for any reason.

Maras Customer Services are available Monday to Friday 9am to 7pm, Saturdays and bank holidays 10am to 4pm, excluding Sunday.

11. Limitation of Liability

Access to the Referencing Services offered on this Website may be prevented by factors outside Maras’ reasonable control, for example malfunction of hardware or software, as a result of operator error, or a malfunction in connection with data submission. Maras cannot accept liability for any loss that might result from such an event. Should Maras receive or transmit information that is inaccurate or incomplete, and this arises from the Client’s operating error, then Maras accept no responsibility or liability in connection with that error.

12. Force Majeure

Maras shall not be liable to the Client for any breach of these Conditions of Use or any failure to provide, or any delay in providing, our services through the site that results from any event or circumstance beyond our reasonable control. This includes, without limitation, strikes, lockouts and other industrial disputes, breakdown of systems or network access, fire, explosion, accident, insurrection and war.

13. Support

Should a Client or Applicant need support when using the Referencing Services on the site, Maras Referencing Customer Services are available Monday to Friday 9am to 7pm, Saturdays and bank holidays 10am to 4pm, excluding Sunday.

 

14. Applicable Law

This website is established in England, English Law shall govern its use at all times and in the event of a dispute, the relevant partites irrevocably submit to the exclusive jurisdiction of the English courts.