Terms and Conditions

1. Use of the Site

We do not charge you for the access to this Site, however you may incur charges by your internet service provider when accessing the Site. You shall be liable for all charges that your internet service provider charges you for providing you with their service and all charges incurred in accessing and using the My Lost Account service (“Service”) and, where relevant, for telephone charges at the rate publicised by the operator with whom you make your local calls and any postal charges.

You acknowledge that transmissions via the Site may present some risks inherent to any internet communications and that you accept such risks by communicating with us over the internet.

Certain sections and pages of the Site require you to register or login using your username and password. If registration is requested, you agree to provide complete and accurate information. Each registration is for a single individual unless described otherwise on the registration page. It is your responsibility to ensure that nobody, except you, uses your name/username and password to enter the sections of the Site which require them.

To be able to access a restricted area of the Site, you will require your individual credentials and password (“Account Details”).

You must only use the Site and/or Service in accordance with these Terms and all applicable laws, regulations and codes of conduct (including self-regulatory) applicable to the use of the Internet and you agree to be solely responsible for all consequences arising from your use of the Site and/or Service.

When you are using the Service we may require your name, address, email address, phone number, login information, communication preferences & settings, your interactions with the portal, and technical information in order for your query to be logged (“Information”). These details constitute personal data, and we will treat personal data as confidential. For more information on how we handle personal data, please read our Privacy Notice and Cookies Policy.

By accessing and using the Service you confirm that you are eligible to use the Service.

2. Misuse of the Site

You may not misuse the Site in any manner (including, without limitation, as follows). You must not reproduce our name, trademarks, Site appearance, and domain name or reproduce part or all of our proprietary information to send content online, via email or any digital communication. You shall not present yourself as a representative of us or mislead the public by presenting yourself as connected to us in any manner or use the Site in any way to send unsolicited (commercial or otherwise) e-mail (spamming) or any material for marketing or publicity purposes.

We will take action against any communication made by you to impersonate us, our Site and any associated websites, servers, domains, IP addresses or social media presence. We expressly forbid the use of the Site or information to post or transmit any material

a) That is unlawful or would infringe the rights of any person (for example, material that is threatening, abusive or offensive, obscene or pornographic, defamatory, seditious or inflammatory, in breach of confidence, in breach of rights of privacy), or which may cause annoyance or inconvenience to any person;

b) For which you have not obtained all necessary licences and/or approvals;

c) Which constitutes or encourages conduct that would be considered a criminal offence, give rise to civil liability, or otherwise be contrary to the law or infringe any third party’s rights, in any jurisdiction; or

d) Which is technically harmful (including, without limitation, computer viruses, Trojan horses, worms, corrupted data or other malicious or harmful software, data or components). We will fully co-operate with any law enforcement authorities or court order requesting or directing us to disclose the identity or locate anyone posting any material in breach of these Terms and conditions.

You warrant and undertake that you will not:

a) use the Site and/or Service except in accordance with these Terms;

b) sub-license, assign or subcontract any part of your rights or obligations under the Terms;

c) use or permit the use of the Site for any illegal purpose including but not limited to damages, interference with, or disrupted access to, the Site or do anything that may interrupt or impair its functionality;

d) make or derive any commercial use or benefit from any part of the Site and/or Service;

e) use the Site in such a manner as would bring us, our organisation and/or business or the Service into disrepute;

f) obtain or attempt to obtain unauthorised access, through whatever means, to the Service, the Site, other services or computer systems or areas of our networks;

g) make available, upload or distribute by any means any material or files that contain any viruses, bugs, corrupt data, “trojan horses”, “worms” or any other harmful software in connection with your use of the Service; or

h) use the Site and/or Service in any way to send unsolicited (commercial or otherwise) e-mail (spamming) or any material for marketing or publicity purposes.

3. Suspension and Termination of Service

We reserve the right to make changes or corrections, alter, suspend, discontinue or terminate any aspect of the Site and/or Service, and your access to it, at any time immediately without notice.

If your use of the Service interferes with our ability to provide the Service to you or any services to our other users, we may suspend provision of the Service to you. We shall then, as soon as reasonably practicable, resume provision of the Service.

We shall not be liable if this Site is unavailable at any time or for any period of time.

Your Account Details will remain live to enable you to use the Service at any time. However, if your Account Details are not used for an extended period of time, it will be deleted. You will need to re-register for the Site in this instance.

We will not delete personal data where it is required to establish, defend or exercise legal claims. Otherwise, personal data will be retained as long as it serves its original purpose and only for as long as necessary from the end of the relationship between you and us.

4. Indemnity

Except as expressly provided for below, you agree to indemnify and hold us, and all of our officers, employees and agents harmless from any actions, claims, losses, liability, proceedings, damages, costs, expenses, loss of business, loss of profits, business interruption and other pecuniary or consequential loss (including legal costs and expenses) suffered or incurred by us in respect of any claim brought by any third party arising in respect of these Terms and/or the Service and/or the information provided to you and/or your use or misuse of the Service and/or conduct on the Site.

5. Intellectual Property

“Intellectual Property Rights” means all present and future intellectual property rights world-wide however arising and in whatever media, whether or not registered, including without limitation, patents, trademarks, design rights, copyright, database rights, service marks, trade names and rights in know-how and confidential information. All rights, title and interest to the Intellectual Property Rights which subsist or may subsist in the information and/or the Site vests in us (or third-party licensors) and you agree not to modify, reproduce, republish, upload, post, distribute or otherwise transmit or use the Intellectual Property Rights provided by us to you in any way without our prior written consent.

You are not permitted to use any registered trademarks owned by us without our prior written consent.

You are not permitted to use any service marks and/or other trade names or any logos, page headers, custom graphics or button icons used by us on the Site without our prior written consent.

Any trademarks on the Site not owned by us will be owned by third party licensors and should not be used without their permission.

We follow best practice in IT security and uses encryption tools to keep data transmissions over the Site secure. However, you acknowledge that transmissions via the Site present some risks inherent to any Internet communications and that you accept such risks by communicating over the Internet.

6. Information you provide to us

All Information submitted by you to us is subject to our Privacy Notice that is available for review.

a) you must ensure that all Information submitted to us does not infringe copyright, design, privacy, publicity, data protection, trademark or any other rights of any third party, and is not obscene, abusive, threatening, libellous or defamatory of any person; and

b) you must ensure that the Information does not advertise or otherwise solicit for either funds or goods or services.

We have the right to monitor all Information and may reject or remove Information if we believe it does not comply with the above and, in particular, we reserve the right to block incoming e-mails and other Information if we believe that the Information is or may be inappropriate or otherwise does not comply with the above.

You have sole responsibility for the Information which you submit to us and you shall indemnify and shall keep us fully and effectively indemnified on demand from and against all actions, claims, losses, liability, proceedings, damages, costs, expenses, loss of business, loss of profits, business interruption and other pecuniary or consequential loss (including legal costs and expenses) suffered or incurred by us and arising directly or indirectly from Information submitted by you to us.

7. Alterations to These Terms

We reserve the right to amend these Terms, in whole or in part, at any time and you will be notified of the same by our posting of such Terms on the Site. Your continued use of the Site after any changes have been posted on the Site will be considered acceptance by you of any changes. Unless explicitly stated to the contrary, any new features shall be subject to these Terms. You should therefore refer to these Terms on a regular basis to ensure the Terms that apply at that time are understood.

8. Security

You acknowledge and accept that the Service involves transmissions over the Internet and that such transmissions are therefore subject to the Internet’s inherent risks.

You acknowledge and accept that, as with any network, you may be exposed to:

a) unauthorised invasions of privacy during, or as a result of, using the Service and/or Site;

b) system-threatening viruses and other unauthorised and invasive programs transmitted by third parties;

c) unauthorised dissemination and publication to others of information and material originally sent only to selected recipients on or through the Service and/or Site;

d) eavesdropping and electronic trespassing;

e) fraud and forgery; and/or

f) the failure of information and data to reach their intended destinations and/or erroneous receipt or misdirection of such information.

Although, we and our suppliers’ privacy and security features are designed to reduce these risks, we cannot guarantee their elimination. It is your responsibility to ensure that your systems protect against the events listed in section 8 above and otherwise comply with good industry practice. You also acknowledge that no transmission via the Service and/or the Site shall be deemed confidential and that we shall not be liable for any breach of confidence arising as a result of such event

9. Reliance on Information

As the Service is provided by means of website and telecommunication systems (including local loop network providers and other connectivity arrangements over which we have no control) you acknowledge and agree that:

a) We will try to make the Site available but cannot guarantee that the Site and Service will operate continuously or be error free (there may be, without limitation, errors in software used to provide the Site and/or Service and the information and errors caused by telecommunications links) and we shall be under no liability for the consequences arising from any such error or the reliance by you upon the Site and/or Service.

10. Limitations of Liability

Save for where mentioned otherwise in these Terms, we exclude all other express or implied terms, conditions, warranties, representations or endorsements whatsoever in regard to the Site and/or Service and any information provided through the Site.

Whilst we will use reasonable endeavours to ensure that all content, materials and information published on the Site are accurate, all content, materials and information on the Site are provided on an ‘as is’ basis. As such, you assume total responsibility and risk for your use of the content, materials and information.  We cannot, and do not, accept any responsibility or liability for any inaccurate information published to the Site.

We accept no liability for any indirect or consequential loss or damage, or for any loss of data, profit, revenue or business (whether direct or indirect) in each case, however caused, even if foreseeable. In circumstances where you suffer loss or damage arising out of or in connection with the viewing, use or performance of the Site and/or Service, we accept no liability for this loss or damage (except where we have been negligent) whether due to inaccuracy, error, omission or any other cause and whether on our part or our servants, agents or any other person or entity.

If we are liable to you for any reason (other than death or personal injury arising from our negligence), our liability will be limited to £100.

You are responsible for ensuring that your computer system meets all relevant technical specifications necessary to use the Site and is compatible with the Site. You also understand that we cannot and do not guarantee or warrant that any material available for downloading from the Site will be free from infection, viruses and/or other code that has contaminating or destructive properties. You are responsible for taking sufficient precautions and virus checks (including anti-virus and other security checks) to satisfy your particular requirements for the accuracy of data input and output.

Notwithstanding any other provision of these Terms, we do not attempt to exclude or limit our liability for death or personal injury resulting from our negligence or for our fraudulent representation in any way.

The limitations and exclusions set out in this section do not affect your non-excludable statutory rights and only apply to the extent permitted by applicable law.

The Site is controlled and operated by us from our offices in England. We make no representations that the Site is appropriate or available for use in other locations. Those who visit the Site from other locations do so at their own initiative and are responsible for compliance with all applicable laws. If use and/or viewing of this Site and/or Service or use of any information or content on the Site, is contrary to or infringes any applicable law in your jurisdiction(s), you are not authorised to view or use the Site and/or Service and you must exit immediately.

11. General

No rights are conferred on any person who is not a party to these Terms.

We reserve the right, in our sole discretion, to suspend and/or terminate your access and/or use of the Services and/or the Site at any time without notice.

Each provision contained in these Terms shall be severable from any other provision, and if any part of any provision shall be found to be invalid, illegal or void for any reason, then such finding shall not affect any other part of such provision or any other provision contained in the Terms which shall continue to have full force and effect.

Any failure or delay by us enforcing an obligation or exercising a right, under these Terms, does not amount to a waiver of that obligation or right, or any other obligation or right.

You acknowledge that you have not entered into these Terms in reliance on any statement or representation, except in so far as the representation has been incorporated into these Terms. You irrevocably and unconditionally waive any right you may have to claim damages and/or to rescind these Terms by reason of any misrepresentation (other than a fraudulent misrepresentation) not contained in these Terms.

You shall not assign any of your rights or obligations under these Terms without our prior written consent. We shall have the right to assign or otherwise delegate all or any of our rights or obligations under these Terms.

These Terms shall be construed in accordance with the laws of England and Wales and the parties hereby submit to the exclusive jurisdiction of the English courts.

If you are unhappy with any aspect of these Terms or this Site, please contact info@mylostaccount.org.uk

12. Third Party Sites and Our Responsibility:

We may provide hyperlinks to third party websites. However, each third party is responsible for setting and explaining their individual terms and conditions of security, data protection and other policies and terms applicable to the Service.

We do not endorse, guarantee or warrant any product or service sold by a third party, nor do we have any liability or responsibility for the fitness for purpose or quality or delivery of any product or service sold to you by third parties or otherwise. The purchase or receipt by you of any product or service from a third party is a transaction solely between you and that third party.

Updated: May 2025