This summary is for convenience only and highlights key disclaimers and obligations in the full Terms and Conditions below. It does not form part of the binding full Terms and Conditions below, which you are responsible for reading and understanding. The full Terms and Conditions below govern the Services and take precedence over this summary.
Last updated: 17 November 2025
First Report Limited ("First Report" - which definition shall also include its contractors and all of its and their data sources and suppliers) provides its information services (“Services” – which definition shall include, without limitation, this Website, and all information, data, reports, and any other services provided or made available to you, whether via this Website, by electronic means, or in any other form) to you subject to the following notices, terms and conditions (“Terms”).
1.1 BY USING THE SERVICES YOU ARE DEEMED TO HAVE ACCEPTED ALL OF THE NOTICES, TERMS AND CONDITIONS THAT APPEAR BELOW AND AGREED TO BE BOUND BY THEM. YOU MAY NOT USE THE SERVICES IF YOU DO NOT ACCEPT THESE TERMS.
1.2 First Report reserves the right to modify all or any part of these Terms or make changes to the Services or to withdraw the Services or any part of them at any time at its own discretion and without notice to you.
1.3 It is recommended that you revisit these Terms regularly so that you are aware of the Terms in force at any particular time. You will be deemed to be bound by those Terms prevailing at each time that you use the Services and each such use shall be a separate, discrete transaction based on the then prevailing Terms.
1.4 We will tell you about any changes to these Terms by showing the date of the changes in the 'Last updated' section at the top of these Terms. By using the Website on or after the date we make any changes, you are agreeing to the changes.
1.5 Any service messages which may occasionally be published (other than price and product revisions) and any statements or timings provided by any staff, or on the Website general service, support, or help pages, are intended for informal guidance only and do not form part of your contract with First Report.
2.1 First Report provides the Services on an “as is” and “as available” basis. First Report has made reasonable efforts to ensure that the information contained in the Services is accurate; however, First Report makes no warranty, guarantee, representation or other term of any kind, whether express or implied, as to the completeness or accuracy of any such information, or as to the financial status, creditworthiness or any other characteristic of any person, firm, company or other organisation referred to in the Services. Accordingly, you acknowledge that you use the Services entirely at your own risk.
2.2 You acknowledge that the information, ratings, and credit limits provided by the Services are derived from third-party sources and may contain errors, omissions, or inaccuracies. While reasonable efforts are made to ensure the integrity of the data, the Services do not guarantee the completeness, accuracy, or timeliness of any information supplied. You acknowledge that credit status opinions are generated using third-party algorithms that First Report does not control, review, or validate.
2.3 First Report may engage third parties, contractors, or agents to supply, compile, or transmit elements of the Services or the data on which the Services rely. While First Report exercises reasonable care in selecting such third parties, First Report does not control and is not responsible for their acts, omissions, or the accuracy or completeness of the information they provide. To the fullest extent permitted by law, First Report disclaims all liability for any loss, damage, or expense arising from any error, omission, inaccuracy, or default of such third parties, contractors, or agents. For the avoidance of doubt, the exclusions and limitations of liability contained in these Terms apply equally in respect of any acts or omissions of First Report’s employees, agents, contractors, and data suppliers.
2.4 First Report processes bulk data sourced from third-party providers, and you acknowledge that individual records and reports are not manually reviewed for accuracy or appropriateness. You fully accept the limitations this imposes on the accuracy, reliability, and appropriateness of the information, analysis, or financial or credit status opinions provided.
2.5 First Report processes both bulk data and manually investigated overseas reports sourced from third-party providers, where the information may be limited by availability, regulatory differences, and verification challenges. You acknowledge that these reports are not reviewed by First Report for accuracy or appropriateness, and you fully accept the resulting limitations on the reliability and completeness of any information, analysis, or financial or credit status opinions provided.
2.6 You must report all queries or complaints regarding the information to First Report using the contact or phone service provided. First Report will make reasonable efforts to assist at first-level support, but its role is limited to receiving such matters and, where necessary, forwarding them to the relevant third-party data supplier. First Report does not assume responsibility for investigating, correcting, or resolving issues arising from third-party data, and makes no warranty that any third-party supplier will investigate or resolve any query or complaint.
2.7 All material provided through the Services is for informational purposes only and must not be interpreted as an endorsement or otherwise of any specific person, firm, company or other organisation by First Report.
2.8 You acknowledge that it is your responsibility to take reasonable steps to mitigate any risks associated with your use of the Services, including but not limited to obtaining and maintaining appropriate insurance coverage such as trade credit insurance or other risk mitigation measures suitable to your circumstances. First Report strongly recommends that you review your insurance and risk mitigation arrangements regularly to ensure they remain adequate for your exposure to potential losses arising from any dealings or decisions made using information provided by the Services.
2.9 The information obtained from the Services should be interpreted in accordance with the definitions and explanations which are provided in reports or on the Website although you acknowledge that while reasonable efforts are made to ensure accuracy, the Services do not guarantee the completeness, accuracy, or timeliness of any such definitions and explanations provided.
2.10 Where First Report provides hypertext links to other Websites or contacts, these are for information only and do not constitute an endorsement or recommendation and you use such links entirely at your own risk. First Report accepts no responsibility for the content or use of such Websites or for the information contained on them.
2.11 The Services are intended to provide one source of information; you should not rely exclusively on the Services but should make your own independent enquiry.
2.12 In entering into any contract or other arrangement with any person, firm, company or other organisation referred to in the Services, you warrant that you have taken all such steps as you shall consider necessary or appropriate to verify the financial status and credit worthiness or otherwise of such person, firm, company or other organisation. You are advised to exercise the standard of care in dealing with any person, firm, company or other organisation on which you have obtained information from the Services as would be appropriate in dealing with any other person, firm, company or other organisation with whom you have not previously dealt.
2.13 The Services neither offer nor purport to offer any advice on any subject, and nothing contained in the Services is intended to be given or taken as advice on any subject.
2.14 The Services shall be provided in such manner at such times and in such places as First Report shall from time to time in its absolute discretion determine. First Report reserves the right to modify, alter the nature of or discontinue the Services or any part of the Services without notice.
2.15 First Report shall not be liable for any typographical or other errors or omissions in the Services.
2.16 No liability or responsibility is accepted if email communication is, for whatever reason, corrupted or does not reach its intended recipient. Although First Report takes reasonable steps to ensure that email communications and any attachments are free from computer virus, no warranty is given that any email is free of viruses and you should take your own steps to ensure that they are actually virus free.
2.17 Except as expressly stated in these Terms and to the fullest extent permitted by applicable law, in no event shall First Report, nor any of its directors, owners, employees, agents, contractors, data suppliers or other representatives, be liable for any damages, losses, costs, claims or expenses of any kind, howsoever arising and whether in contract, tort (including negligence), breach of statutory duty, misrepresentation or otherwise, arising out of or in connection with the use of or inability to use the Services. This exclusion applies, without limitation, to compensatory, direct, indirect, special, incidental, punitive, consequential or exemplary damages, including but not limited to loss of profits, loss of revenue, loss of anticipated savings, loss of business or goodwill, loss or corruption of data, or loss of use of data, loss of or damage to property and claims of third parties, whether or not First Report has been advised of, knew of, or ought reasonably to have known of the possibility of such losses. First Report shall not be liable for any interruption, suspension, withdrawal or modification of the Services (whether temporary or permanent), for any loss arising from acts or omissions of third party suppliers or data sources, or for any claims that the Services or any materials provided through them infringe the intellectual property rights of any third party. Nothing in these Terms shall exclude or limit First Report’s liability for death or personal injury caused by its negligence, fraud or fraudulent misrepresentation, or any other liability which cannot lawfully be excluded or limited. First Report’s liability for any unauthorised disclosure, access to, or loss of data shall be limited to circumstances caused by its wilful misconduct and shall in all cases be subject to the overall limitation in clause 2.18.
2.18 If any exclusion or limitation in clause 2.17 is held by a competent authority to be unenforceable or inapplicable in whole or in part, or if any judgment is awarded against First Report arising out of or in connection with your use of the Services (other than in respect of death, personal injury, or fraud), you agree that First Report’s total aggregate liability to you and to anyone claiming through you whether in contract, tort (including negligence), breach of statutory duty or otherwise, shall in no event exceed the greater of GBP 5,000 or the total amount actually paid by you to First Report for the Services during the 12 months immediately preceding the date of the event giving rise to the claim. If any Service is not delivered as specified, First Report’s sole obligation and your exclusive remedy shall be limited, at First Report’s option, to re-supply of the relevant Service, or a refund of the price paid for that specific Service, which shall constitute First Report’s entire liability in respect of such non-delivery.
2.19 To the fullest extent permitted by law, First Report shall have no liability for any claim in defamation, malicious falsehood, or similar cause of action arising from the inclusion of data, opinions, or statements in the Services, provided such publication was not made maliciously or with reckless disregard for the truth.
2.20 First Report shall not be liable for any delay or failure in performance arising from acts beyond its reasonable control, including but not limited to acts of God, war, terrorism, cyber-attack, failure of telecommunications or internet service providers, or regulatory actions.
2.21 By their very nature, some of the facts or opinions you receive from the Services may be open to dispute, particularly by the subject company or its directors or owners, or considered damaging or defamatory. If you breach any of the Terms set out in these Terms and Conditions relating to the use of or dissemination of information from the Services, you agree to indemnify First Report in full against any and all losses, damages, liabilities, costs, and expenses (including legal fees) arising from or in connection with such breach, misuse, or dissemination of the Services.
2.22 If you breach any of the Terms set out in these Terms and Conditions, you agree to indemnify First Report in full against all losses, damages, liabilities, costs, and expenses (including legal fees) arising from or in connection with such breach or your misuse of the Services.
3.1 First Report may provide a free Debt Recovery Letter Service, sending letters to debtors on your behalf. By using this service, you confirm that the debt is due, valid, and not subject to any bona fide dispute, counterclaim, or set-off and relates to goods or services you have lawfully supplied and invoiced, and that you are authorised to instruct us and receive any proceeds. You warrant that all information you provide is accurate and will be updated promptly, and that you will provide any requested information or documentation. First Report and its agents are not obliged to act and will not be liable for any failure to recover funds. You agree to indemnify First Report, its directors, owners, employees, representatives, and agents from and against all liabilities, losses, claims, damages, costs, and expenses (including legal fees) arising out of or in connection with any incorrect, incomplete, fraudulent, or disputed claim, or any breach of the warranties set out in this clause.
4.1 The Services are for business use only. You warrant that you are acting in the course of a business and not as an individual or consumer, and will not use the Services for personal purposes.
4.2 You agree that you shall only access and use the Services for lawful business due diligence purposes.
4.3 You agree to be responsible for maintaining the confidentiality of your password and account details.
4.4 You may use the Services and any information, data, or reports derived from them solely for your own internal business purposes. The Services and information, data, or reports derived from the Services, are provided exclusively to your business or organisation and shall not be disclosed, shared, distributed, or otherwise made available to any third party outside your business or organisation without the prior written consent of First Report. For the avoidance of doubt, “internal business purposes” means use strictly within your business or organisation for operational, analytical, or managerial functions and does not include sharing with contractors, consultants, or other third parties unless prior written consent is obtained from First Report.
4.5 You may share information, data, or reports derived from the Services with other individuals within your business or organisation (“Authorised Users”) for the same internal business purposes. You may electronically copy and print portions of the Services solely for such internal use. Any other use, including personal use, disclosure to any third party outside your business or organisation, or reproduction of the Services or any part thereof without the prior written consent of First Report is strictly prohibited. Where such consent is granted, you may disclose such information strictly as necessary to bona fide third parties (such as for credit insurance and risk mitigation purposes) for the sole purpose for which consent was granted. You must ensure that any such third party is bound by confidentiality obligations no less protective than those set out in these Terms, that the information is not further disclosed or used for any other purpose, and that you remain responsible for any unauthorised use or disclosure of the information by such third parties.
4.6 You may permit Authorised Users within your business or organisation to access and use the Services, provided that all such Authorised Users are bound by and comply with these Terms and Conditions. You and your business or organisation remain responsible for all acts and omissions of Authorised Users. You agree to indemnify and keep indemnified First Report against any losses, damages, liabilities, costs, and expenses (including legal fees) incurred by First Report arising from any breach of these Terms and Conditions or misuse of the Services by you or any Authorised User.
5.1 Credits or prepayment allows access to services for up to a maximum of 12 months from the date of purchase. When a Licence or subscription is purchased it entitles you to access the services covered by the Licence or subscription for a maximum of up to 12 months from the date of purchase.
5.2 When Credits or a Licence is purchased or a payment or prepayment is made for our services it is understood that these are not refundable under any circumstances. You acknowledge and agree that, as the Services provided under this agreement are intangible (including but not limited to data or digital goods), once the Services have been accessed or delivered, no refunds will be issued, even if the Services are subsequently not used or deemed unsatisfactory.
5.3 The purchase of Credits or Licences does not guarantee continued availability of any product or service or customer support services and First Report reserves the right to amend or withdraw any product or service at any time.
5.4 If a Licence can be renewed beyond 12 months, continuation of the service and payment of the Licence fee require both your agreement to continue and First Report’s agreement to provide the service. Either party may decline renewal, in which case no further Licence fee will be payable.
5.5 The purchase of Credits or Licences does not obligate First Report to provide you with customer support services.
5.6 Annual Licences are subject to fair usage and will either be capped at a figure up to double the number of reports you indicate as your annual usage or capped at a number agreed with you, or in any case capped at 5,000.
5.7 First Report may suspend or terminate your use of the Services if you access a number of reports we reasonably consider excessive. In such cases, we may, at our discretion, refund part of your subscription or Licence fee, after deducting an administration fee of up to 50p per report accessed.
5.8 If First Report offers or promotes any price matching it shall apply only to services substantially identical to ours, including all features we provide. We may refuse to match prices we consider non-representative, discounted, or materially different. Any price match offered is discretionary, for goodwill, and does not guarantee future matches.
5.9 If Credits are added to your account or your Licence period is extended or renewed in advance of payment you agree to settle invoices within our standard credit terms which are 14 days from date of invoice. If you have any dispute or query in respect of any invoices you agree to notify us in writing within 7 days of the date of the invoice.
5.10 Unless agreed in writing, discounts or incentives or other such offers are one-time only and apply to a single transaction when first claimed. Any unentitled discount must be repaid within 14 days of our request. We may amend, withdraw, or refuse any such offers at our discretion, and our decision on eligibility is final.
6.1 By accessing or using this Website or any related Services, you hereby represent, warrant and confirm that you are not located in, resident in, or otherwise subject to the jurisdiction of, the United States or Canada, and that you are not acting on behalf of any individual, entity or organization that is; access to and use of this Website and the Services is strictly prohibited for any person or representative thereof in those jurisdictions. You agree that this agreement (including this clause) shall be governed by and construed in accordance with the laws of England and Wales and that any disputes arising out of or in connection with it shall be subject to the exclusive jurisdiction of the English courts. We reserve the right to suspend or terminate your account immediately upon any breach of this provision.
7.1 You agree that First Report may contact you by email for the purposes of providing services or information about the Services. If you do not wish to receive any communication by email you may contact First Report and ask to remove your email address from your account records although you agree that by doing so First Report may not be able to provide you with services which require an email address. You agree that any information you provide to us through your use of the Services may be used by us to provide or improve our products and services.
7.2 We may use tracking and statistical research tools such as Google Analytics when you visit our Website to help us understand visitor interaction with our Website.
8.1 You confirm that you and your business or organisation are compliant with applicable Data Protection laws, including the UK General Data Protection Regulation and the Data Protection Act 2018. Where required, you have paid the Data Protection fee to the Information Commissioner’s Office (ICO) and maintain such registration in force.
8.2 If you use the Services to access or process personal data (as defined in the UK GDPR), you shall at all times process such data lawfully, fairly, and transparently, for specified, explicit, and legitimate business purposes, and not for any incompatible purpose.
8.3 Where you process personal data relating to individuals who are not limited companies, you shall ensure that you have a valid lawful basis for such processing and provide appropriate information to those individuals as required by law.
8.4 You acknowledge that the UK GDPR imposes specific requirements in respect of data breach prevention, management, and reporting, and you will cooperate and assist First Report in fulfilling its obligations in relation to your use of the Services.
8.5 You agree to indemnify First Report in full against any and all costs, claims, demands, losses, and expenses (including legal fees) arising from or in connection with your failure to comply with any applicable Data Protection laws in connection with your use of the Services.
9.1 The data, information and material contained in the Services, all Website design, text and graphics and the selection and arrangement thereof and all software used to operate the Services and the trademarks, logos and other intellectual property used in connection with the Services are the property of First Report. No Licence of any such intellectual property rights is granted to you as a result of your use of the Services. Other product and company names mentioned in the information provided in the Services may be the trademarks of their respective owners.
10.1 First Report Limited is registered in England and Wales under company number 2456252, with its registered office at C/O MJB Avanti, Office 12, Epsilon House, West Road, Ipswich, Suffolk, IP3 9FJ.
11.1 First Report may assign both the benefit and burden of this agreement.
12.1 You agree that any information you provide to us through your use of the Services will be accurate and that we may use any such information to provide and improve our products and services.
12.2 If First Report reasonably believes that you or your business or organisation has breached any provision of this agreement or in the event of you or your business’s or organisation’s insolvency or bankruptcy First Report may, with immediate effect and without notice, suspend access to the Service or terminate this agreement.
12.3 Upon termination of this agreement you must use best efforts to delete all and any part of the information derived from the Services and may not make any further use of the information or the Services.
12.4 Notwithstanding termination or expiration of this Agreement, all provisions of this Agreement relating to payment, indemnity, confidentiality, intellectual property rights, data protection, limitations of liability, governing law, and dispute resolution, and any other provisions which by their nature are intended to survive termination, shall survive and continue in full force and effect. For the avoidance of doubt, clauses 2.17–2.22 are expressly confirmed to survive termination or expiration and remain enforceable in full.
12.5 This agreement constitutes the entire agreement and understanding between First Report and you. It supersedes any previous agreement or understanding and may not be varied except in writing between us. All other terms and conditions, express or implied by statute or otherwise, are excluded to the fullest extent permitted by law. You acknowledge that the exclusions and limitations of liability set out in these Terms are reasonable and have been reflected in the pricing of the Services and the allocation of risk between the parties.
12.6 Any notice required or permitted to be given by either party to the other under these Terms shall be in writing addressed to the other party at its registered office or principal place of business or such other address as may at the relevant time have been notified pursuant to this provision to the party giving the notice.
12.7 No failure or delay by either party in exercising any of its rights under this agreement shall be deemed to be a waiver of that right, and no waiver by either party of any breach of this agreement by the other shall be considered as a waiver of any subsequent breach of the same or any other provision.
12.8 If any provision of this agreement is held by any competent authority to be invalid or unenforceable in whole or in part, the validity of the other provisions of this agreement and the remainder of the provision in question shall not be affected.
12.9 The parties confirm their intent not to confer any rights on any third parties by virtue of this agreement and accordingly the Contracts (Rights of Third parties) Act 1999 shall not apply to this agreement.
12.10 You will not do anything to harm First Report’s reputation.
12.11 Any dispute arising under or in connection with this agreement or the Services may, at the sole discretion of First Report, be referred to arbitration. Where First Report elects to refer a dispute to arbitration, the matter shall be determined by a single arbitrator appointed by agreement of the parties or, in default of agreement, nominated on the application of either party by the President for the time being of The British Computer Society. The arbitration shall be conducted in accordance with the rules of The British Computer Society.
12.12 This agreement shall be governed and construed in all respects in accordance with English law and the parties irrevocably agree to submit to the sole and exclusive jurisdiction of the English Courts. The Services are not directed at people in any other country and should not be relied upon by people of any country other than the United Kingdom. You are responsible for compliance with the laws of your local jurisdiction regarding the use of the Services.