About Us:

This website is operated by Kalstone Legal Limited (“Kalstone”, “we”, “our” or “us”).

Kalstone Legal Limited is a company registered in England and Wales under company number 16962534 with its registered office at Unit 2A Link 606 Business Park, Staithgate Lane, Bradford, BD6 1YA.

We act on behalf of clients in relation to the recovery of outstanding commercial debts.

Acceptance of These Terms

By accessing or using this website, you agree to be bound by these Terms and Conditions.

If you do not agree with these Terms and Conditions, you should not use this website.

Purpose of This Website

This website is intended to provide information regarding accounts that have been referred to us by our clients and to enable businesses to make payments towards outstanding balances.

The information provided on this website is for general informational purposes only and should not be relied upon as legal, financial or professional advice.

Nothing on this website constitutes legal advice, debt counselling, financial advice or regulated consumer credit services.

Website Access

We aim to ensure that this website is available at all times. However, we do not guarantee uninterrupted access and reserve the right to suspend, amend or withdraw any part of the website without notice.

We shall not be liable if the website is unavailable at any time or for any period.

You are responsible for ensuring that anyone accessing this website through your internet connection complies with these Terms and Conditions.

Account Information and Security

Where access is provided to a secure area of the website, you are responsible for maintaining the confidentiality of any reference numbers, passwords or other security credentials.

You must take reasonable steps to prevent unauthorised access and notify us immediately if you believe any credentials have been compromised.

Online Payments

Payments made through this website may be made using accepted debit cards and credit cards.

By making a payment, you confirm that:

• You are authorised to use the payment card.
• The payment details provided are accurate and complete.
• You have authority to make the payment on behalf of the business responsible for the debt, where applicable.

Payments received will normally be applied to the account reference quoted during the payment process. You are responsible for ensuring that all reference information entered is accurate. We cannot accept responsibility where payments are delayed, misallocated or cannot be processed due to incorrect information provided by you.

Whilst payments are normally processed promptly, clearance times may vary depending on your card issuer or payment service provider. Submission of a payment does not automatically mean that the debt has been settled in full. Any remaining balance will continue to be payable.

The website does not facilitate the creation, amendment or management of payment plans. Any payment made via the website is treated as a single payment unless otherwise agreed separately and in writing.

Accuracy of Information

Whilst we use reasonable efforts to ensure that information on this website is accurate and up to date, we make no representations, warranties or guarantees that the content is accurate, complete or current. Information displayed may be subject to change without notice.

Intellectual Property

All intellectual property rights in this website, including text, graphics, logos, designs and software, are owned by or licensed to Kalstone Legal Limited. You may view, download and print material from the website solely for your own lawful business use.

You must not:

• Copy, reproduce or distribute website content for commercial purposes;
• Modify website content;
• Reverse engineer or attempt to extract source code from the website; or
• Use our branding, trademarks or logos without written permission.

Prohibited Use

You must not:

• Use the website for any unlawful purpose;
• Attempt to gain unauthorised access to any part of the website;
• Introduce viruses, malware or other harmful code;
• Interfere with the operation or security of the website;
• Attempt to access data belonging to another person or organisation.

We reserve the right to suspend or restrict access where we believe these terms have been breached.

Limitation of Liability

To the fullest extent permitted by law, Kalstone Legal Limited excludes all liability for any loss or damage arising from:

• Use of, or inability to use, this website;
• Reliance on information contained on the website;
• Website interruptions or technical failures;
• Viruses, malware or other harmful software;
• Errors, omissions or inaccuracies in website content.

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

Data Protection and Privacy

We process personal information in accordance with our Privacy Policy, which forms part of these Terms and Conditions.

By using this website, you acknowledge that personal data may be processed in accordance with that policy.

Changes to These Terms

We may amend these Terms and Conditions at any time.

Any updated version will be published on this page and will take effect from the date of publication.

Governing Law

These Terms and Conditions shall be governed by and construed in accordance with the laws of England and Wales. Any dispute arising in connection with these Terms and Conditions shall be subject to the exclusive jurisdiction of the courts of England and Wales.