Last updated: 26 July 2026
1. Who you are contracting with
CheckAFirm is operated by David Skillett, a UK sole operator (“we”, “us”). Contact: hello@checkafirm.co.uk. By using this site you agree to these terms. If you do not agree, please do not use the site.
2. What the service is
CheckAFirm is an information aggregation service. We gather information that is already published on public registers, including Companies House, Health and Safety Executive registers, employment tribunal decisions published by HM Courts and Tribunals Service, and trade register operators, and present it in one place with a summary score and plain-English explanations.
We are not a credit reference agency. Our score is not a credit score or a credit rating. We are not regulated by the Financial Conduct Authority and nothing we provide is financial, legal or professional advice. Please read our disclaimer and limitation of liability, which forms part of these terms.
3. Free checks and paid reports
The free check gives you a headline verdict and the top warning signs at no cost, with no account required. The full report costs £9.99 as a single one-off payment. There is no subscription and no recurring charge. If we ever offer an additional paid option, its price will be shown clearly before you pay.
The price shown at checkout is the total amount payable. Payment is taken by Stripe. We do not receive or store your card details.
4. When the contract starts and when the report is delivered
Your order is accepted, and the contract formed, when your payment is confirmed. The report is digital content and is made available immediately after payment, and a copy is emailed to the address you give at checkout.
5. Your right to cancel, and the digital content exception
For contracts made at a distance, consumers normally have 14 days to cancel under the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013.
Because the report is digital content supplied immediately, that right is lost once delivery has begun. At checkout you are asked to confirm that you want the report supplied straight away and that you acknowledge you will lose your right to cancel once it has been supplied. If you would rather keep the 14-day cancellation right, do not confirm immediate supply and do not complete the purchase.
This does not affect your rights if something goes wrong. See the next section.
6. Refunds and your rights if something is wrong
Under the Consumer Rights Act 2015 digital content must be of satisfactory quality, fit for purpose and as described. If a report you paid for is not, you are entitled to a repair or replacement and, where that is not possible or not done in a reasonable time, to a price reduction or a refund.
In practice, we will refund you in full if:
- The report failed to generate or was never delivered.
- The report is materially incomplete or is clearly about the wrong company.
- You were charged twice for the same report.
We will not usually refund simply because the result was not what you hoped for. A report showing that a firm has nothing recorded against it is a valid result and is exactly the answer many buyers want. The free check tells you the headline verdict before you pay, so you know broadly what you are buying.
To ask for a refund, email hello@checkafirm.co.uk with the company name and the email address you used. Approved refunds go back to the original payment method, normally within five to ten working days.
7. How you may use a report
A report is licensed to you for your own use in deciding whether to deal with the firm you checked, or for your own business use in the same way. You may share it with your professional advisers, your partner, your landlord or tenant, or anyone else directly involved in the same decision.
You may not:
- Republish reports at scale, resell them, or use them to build a competing database or product.
- Use automated means to scrape, bulk download or systematically extract content from this site.
- Use the service or a report to harass, defame, threaten or intimidate any firm or individual.
- Present our output as a credit reference, an accreditation, or an endorsement from us.
- Attempt to interfere with the site, its security, or its availability to others.
We may suspend or refuse service where we reasonably believe these rules are being broken.
8. Accuracy of the underlying data
The data we present is supplied by third parties on an “as-is” basis. Registers can be incomplete, out of date, delayed or wrong at source, and matching a firm or a person by name is not perfect. We do not warrant that any report is complete or error free. Always verify anything important directly with the firm and with the register concerned before relying on it.
9. Intellectual property and data licensing
The site design, wording, scoring methodology and report layout belong to us. Underlying company and director data is public sector information licensed under the Open Government Licence v3.0. Enforcement, tribunal and trade register content remains the property of the bodies that publish it and is used for the purpose of informing the public.
10. Limitation of liability
Our total liability to you in connection with any report is limited to the price you paid for that report. We are not liable for business losses, loss of profit, loss of contracts, or losses that were not reasonably foreseeable when the contract was made.
Nothing in these terms excludes or limits our liability for death or personal injury caused by our negligence, for fraud or fraudulent misrepresentation, or for any other liability that cannot lawfully be excluded or limited. Nothing in these terms affects your statutory rights as a consumer.
The full position is set out on our disclaimer page.
11. If you are a firm and you think a report is wrong
Email hello@checkafirm.co.uk with the company number and what you say is wrong. We will investigate, correct anything that is genuinely a matching or reporting error on our side, and tell you which official register publishes anything that is accurate at source.
12. Availability and changes
We aim to keep the site available but we do not guarantee uninterrupted access, and we may change, suspend or withdraw features at any time. We may update these terms; the version that applies to your purchase is the one published when you bought.
13. Governing law
These terms are governed by the law of England and Wales, and the courts of England and Wales have jurisdiction. If you live in Scotland or Northern Ireland, you may also bring proceedings in your own local courts.