We welcome any comments or questions you may have
for us. Or, if you have something you’d like to ask,
well we’d also really be delighted to hear from you.
Just send us your details below and we’ll be in touch...
...thanks for the mail.
If you’ve asked us something,
we’ll be in touch soon.
Now for the dull but important bit. (Not that
the other parts aren’t important.) Please read
it and get back to us with any questions.
These are our terms and conditions for our website,
BacktoBlack, at www.BacktoBlack.money
Only use it if you live in Great Britain and
Northern Ireland. By using it, you’re saying you
accept our terms and conditions.
www.BacktoBlack.money is owned and run as
a trading style of Hillcrest Finance Limited.
Hillcrest Finance Limited is a UK registered
company SC643684 which is authorised and
regulated by the Financial Conduct Authority
- FCA reference: 619673.
We are also registered with the Information
Commissioner’s Office with ICO number ZA714591
After completing one of our forms or getting
in touch, sometimes we decide it’s a good idea to
introduce you to other companies who may be able
to help you. We’re really careful about only working
with reputable companies, so we make this
introduction in good faith, but as we have no control
over what they do, we can’t give you any guarantees
about the quality of what they do.
We own all the rights of everything on our website or
we bought a license to use it (logos, photos, pictures,
designs, documents, information and wotnot). So
they’re protected by trademarks, copyright etc and
you can’t use it or exploit it in any way that abuses our
intellectual property rights, or gives you business profit
or gain (we’ll set the dogs on you, if so). But every word
and bit of this website is here to help you so we want
you to feel free to download / print pages etc as and
when you want to, for your own private purposes. You
can share it with others who are also in debt and need
help (telling them it comes from BacktoBlack), but
again, never for any business purposes or commercial
gain. If they view it, our terms and conditions also apply
to them. Equally, this website can’t be copied or stored
on any other website without our consent in writing.
We’ve done our best to make sure that everything
on this website is accurate, but like everyone else in
the market unfortunately we can’t give you any
guarantees, conditions or warranties about this.
So far as we’re allowed by law, we exclude the following
things (forgive the necessary legal language!):
• All conditions, warranties and other terms which
might otherwise be implied by statute, common law
or the law of equity.
• Any liability for any direct, indirect or consequential
loss or damage incurred by any user in connection
with this website or in connection with the use,
inability to use, or results of the use of this website,
any websites linked to it and any materials posted on it
(including any delays, inaccuracies, errors or omissions
in the information and documentation), including,
without limitation, any liability for loss of income or
revenue, loss of business, loss of profits or contracts,
loss of anticipated savings, loss of data, loss of
goodwill, wasted management or office time and for any
other loss or damage of any kind, however arising and
whether caused by tort (including negligence), breach
of contract or otherwise, even if it’s foreseeable.
When we publish information or documents, it isn’t
a recommendation that you enter into a particular
transaction, nor is it a representation that any service
detailed on this website is suitable or appropriate for
you. Just as our recommendation to you takes place
outwith the website, we recommend that before taking
action that relies on the information in this website,
you should get specialist financial advice.
As each situation is unique, you shouldn’t construe any
of the information here as legal, business, financial,
regulatory, tax, accounting or other professional advice.
We’d recommend you also read carefully the terms and
conditions of any financial product or service you’re
thinking about taking out before you make a decision.
We’re governed by Scottish Law, and in any dispute,
you should submit to the exclusive jurisdiction
of the Scottish Courts.
Links from our website to third party websites are
provided purely for your convenience and such links
do not constitute an endorsement, affiliation or
authorisation by BacktoBlack with respect to such
third party websites. When you activate these links
you will leave our website. We do not endorse or take
responsibility for the content on third party websites or
the availability of these websites and we are not liable
for any loss or damage that you may suffer by using
these websites. If you decide to access linked websites,
you do so entirely at your own risk.
This section is aimed at all the nasty people out
there: you mustn’t misuse this website by knowingly
introducing viruses, worms, logic bombs or other
malicious or technologically harmful stuff. You mustn’t
attempt to get unauthorised access to this website,
the server on which this website is stored or any server,
computer or database connected to this website. You
mustn’t attack this website via a denial-of-service
attack or a distributed denial-of-service attack. By
breaching this provision, you’d commit a criminal
offence under the Computer Misuse Act 1990 and the
Police and Justice Act 2006. We’ll report this to the
relevant law enforcement authorities and cooperate by
disclosing your identity to them. If you commit a breach,
you’ll immediately lose your right to use this website.
Likewise, we cannot be liable for any loss or damage
caused by a distributed denial-of-service attack,
viruses or other technologically harmful material
that may infect your computer equipment, computer
programs, data or other proprietary material due
to your use of this website or to your downloading
of any material posted on it, or on any websites
linked to it. BacktoBlack can’t warrant that our
website is free of viruses or technical defects of
any description and isn’t responsible for any
technical problems caused by using it.
Needless to say, you can only use our website for
doing legal things! You can’t use it to (forgive the legal
language again) transmit or procure the sending of any
unsolicited or unauthorised advertising or promotional
material or any other form of similar solicitation such as
spam. We will decide when this has taken place and take
any action necessary. If you don’t comply with these
Acceptable Use Standards, it’s a breach of our terms
and conditions, so we may withdraw your right to use
our website or send you a warning.
We hope our website’s always up and running, but
sometimes a blip may occur or we may need to bring it
down to carry out some essential maintenance work.
Our website is here to tell you all about BacktoBlack,
our various products and services and other information
which may help you. It’s not intended to provide
encyclopaedic exhaustive details about any of
In particular, information generated via the
BacktoBlack Analyser Tool on the Website is intended
to be considered as a high-level indicator only and
should be treated by users as non-binding guidance.
Before you make any decisions or take any action
which could affect your personal finances or business,
please take independent advice from a qualified
Sometimes we might hyperlink to other websites
owned and run by someone else (a third party).
BacktoBlack has no control over or any ownership of
these other websites and so can’t make any warranties
about their quality, security, accuracy or any other
aspect, and excludes any and all liability that comes
from you using them.
Protecting your data is really important to us and we
don’t do anything without getting your consent first.
It’s up to you to decide what you tell us and don’t
tell us. Any personal information you give us will be
kept according to the Data Protection Act 1998 and
the new forthcoming GDPR.
Only people we approve at BacktoBlack will be able
to see your personal information. If you’d like to
change or check your information please get in touch at
We sometimes automatically gather information
which can’t be assigned to you, but lets us know which
browser and OS you’re using, which pages you visit,
how long you spend on it, how often you visit us, and
another website’s domain name if you followed their
link. We only do this to improve our navigation and
content to make it easier for you to use.
We may also use ‘cookies’ on your computer so you’re
automatically recognised on your next visit – you can
stop this if you want to by deleting cookies from your
hard disk, or changing you settings to block all cookies
or warn you before saving a cookie.
At BacktoBlack we’re always taking all the steps
we can to make sure your personal information is safe
and secure, but please remember that because of
the very nature of the Internet, sometimes breaches
take place. So we can’t guarantee your privacy
We’ll be as fast as possible in our responses to
you but can’t guarantee it will be as soon as you want it.
We can’t always guarantee complete confidentiality
so please think about the information you give us
(especially if it could be classed as a trade secret!)
via the Internet.
Got any questions? Please get in touch at
At BacktoBlack we aren’t liable for any third party
claims or losses of any type, including, but not limited
to, loss of profits, indirect or consequential loss or loss
due to circumstances beyond its reasonable control.
We don’t accept any liability for any acts or omissions
resulting from any decisions or opinions you form
by using our website.
At any time we might change our terms and conditions,
so please check them sometimes to see if they’ve
altered. If you carry on using our website it’ll be
assumed that you’re accepting these changes.
We do our utmost to make sure that everything here
is correct and up to date but we don’t accept any
liability or guarantee – and this is the same for any
websites we’re linked to, where we’re not responsible
for the content which they may also change.
These Terms and Conditions are governed by and
shall be construed in accordance with Scottish law.
Disputes in connection with the Website shall be
subject to the jurisdiction of Scottish Courts.
Got any comments? Please drop us a line at