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Privacy Policy

Privacy Policy

We are committed to safeguarding the privacy of our website visitors. We ask that you read this policy carefully as it contains important information about how we will treat your personal information.

 

(1) What information do we collect about you?

We may collect, store and use the following kinds of personal information:

(a) information about your computer and about your visits to and use of this website (including your IP address, geographical location, browser type and version, operating system, referral source, length of visit, page views, website navigation and more);

(b) information relating to any transactions carried out between you and us on or in relation to this website, including information relating to any purchases you make of our goods or services;

(c) information that you provide to us for the purpose of registering with us;

(d) information that you provide to us for the purpose of subscribing to our website services, email notifications and/or newsletters;

(e) any other information that you choose to send to us including, for example, postal address, email address, telephone number and occasionally other information about you from other sources (such as credit reference agencies) which we will add to the information which we already hold about you in order to help us provide goods and services;

 

(2) Cookies

Use of cookies

A cookie consists of information sent by a web server to a web browser, and stored by the browser. The information is then sent back to the server each time the browser requests a page from the server. This enables the web server to identify and track the web browser.

We may use both “session” cookies and “persistent” cookies on the website and they are used for purposes including tracking visitor use of the website; recognising you whenever you visit this website; obtaining information about your preferences, online movements and use of the internet; carrying out research and statistical analysis to help improve our content, products and services and to help us better understand our visitor requirements and interests; targeting our marketing and advertising campaigns more effectively; and making your online experience more efficient and enjoyable.

Session cookies will be deleted from your computer (or other electronic device) when you close your browser. Persistent cookies will remain stored on your computer (or other electronic device) until deleted, or until they reach a specified expiry date.

Third-Party cookies

We work with third-party suppliers who may also set cookies on our website. These third-party suppliers are responsible for the cookies they set on our site. If you want further information please go to the website for the relevant third party. For example, we use Google Analytics to analyse the use of this website. Google Analytics generates statistical and other information about website use by means of cookies, which are stored on users’ computers (or other electronic devices). The information generated relating to our website is used to create reports about the use of the website. For example, the information will show us how visitors found and explored our site, and how we can enhance their experience. It provides us with information about the behaviour of our visitors (e.g. how long they stayed on the site, the average number of pages viewed) and also tells us how many visitors we have had. Google will store this information. Google’s privacy policy is available at: http://www.google.com/privacypolicy.html

Consent

In most cases we will need your consent in order to use cookies on this website. The exception is where the cookie is essential in order for us to provide you with a service you have requested.

 

How to turn off cookies

Most browsers allow you to reject all cookies, whilst some browsers allow you to reject just third party cookies. For example, in Internet Explorer you can refuse all cookies by clicking “Tools”, “Internet Options”, “Privacy”, and selecting “Block all cookies” using the sliding selector. Blocking all cookies will, however, have a negative impact upon the usability of many websites, including this one.

For further information about cookies and how to disable them please go to: www.aboutcookies.org or www.allaboutcookies.org

 

(3) Using your personal information

Personal information submitted to us via this website will be used for the purposes specified in this privacy policy or in relevant parts of the website.

 

We may use your personal information to:

(a) help us identify you;

(b) administer the website;

(c) carry out research, statistical analysis and behavioural analysis;

(d) improve your browsing experience by personalising the website;

(e) enable your use of the services available on the website;

(f) carry out customer profiling and analysing preferences;

(g) supply to you services purchased via the website and collect payments from you;

(h) notify you of any changes to this website or to our services which may affect you;

(i) undertake credit scoring and credit checking;

(j) send you general (non-marketing) commercial communications;

(k) send you email notifications which you have specifically requested;

(l) send to you our newsletter and / or other marketing communications relating to our business which we think may be of interest to you by post or, where you have specifically agreed to this, by email or similar technology (you can inform us at any time if you no longer require marketing communications);

(m) provide third parties with statistical information about our users – but this information will not be used to identify any individual user;

(n) deal with enquiries and complaints made by or about you relating to the website;

(o) other uses to enhance the website and its use

 

Where you submit personal information for publication on our website, we will publish and  use that information in accordance with the license you grant to us.

We will not without your express consent provide your personal information to any third parties for the purpose of direct marketing.

 

(4) Disclosures

We may disclose information about you to any of our employees, officers, agents, service providers, other companies within our group, credit reference agencies, law enforcement agencies in connection with any investigation to prevent unlawful activity, business partners (in accordance with our marketing policies), suppliers or subcontractors insofar as reasonably necessary for the purposes as set out in this privacy policy.

 

In addition, we may disclose your personal information:

(a) to the extent that we are required to do so by law;

(b) in connection with any legal proceedings or prospective legal proceedings;

(c) in order to establish, exercise or defend our legal rights (including providing information to others for the purposes of fraud prevention and reducing credit risk);

(d) to the purchaser (or prospective purchaser) of any business or asset which we are (or are contemplating) selling;

(e) to any person who we reasonably believe may apply to a court or other competent authority for disclosure of that personal information where, in our reasonable opinion, such court or authority would be reasonably likely to order disclosure of that personal information.

Except as provided in this privacy policy, we will not provide your information to third parties.

 

(5) International data transfers

Information that we collect may be stored and processed in and transferred between any of the countries in which we operate in order to enable us to use the information in accordance with this privacy policy.

Information which you provide may be transferred to countries (including the United States, Japan & other countries) which do not have data protection laws equivalent to those in force in the European Economic Area. However, we will take steps to ensure adequate protections are in place to ensure the security of your information.

In addition, personal information that you submit for publication on the website will be published on the internet and may be available, via the internet, around the world. We cannot prevent the use or misuse of such information by others.

You expressly agree to such transfers of personal information.

 

(6) Security of your personal information

We will take reasonable technical and organisational precautions to prevent the loss, misuse or alteration of your personal information.

We will store all the personal information you provide on our secure (password- and firewall- protected) servers. All electronic transactions you make to or receive from us will be encrypted using SSL technology.

Of course, data transmission over the internet is inherently insecure, and we cannot guarantee the security of data sent over the internet.

You are responsible for keeping your password and user details confidential. We will not ask you for your password (except when you log in to the website).

Whilst we will use reasonable efforts to safeguard your personal data, you acknowledge that the use of the internet is not entirely secure and for this reason we cannot guarantee the security or integrity of any personal data which are transferred from you or to you via the internet.

 

(7) Monitoring

We may monitor and record communications with you (such as telephone conversations and emails) for the purpose of (specify, eg quality assurance, training, fraud prevention and compliance).

 

(8) Credit Checking

To enable us [and other companies in our group] to make credit decisions about you [and members of your household] and for fraud prevention and money laundering purposes, we may search the files of credit reference [and fraud prevention] agencies (who will record the search). We may disclose information about how you conduct your account to such agencies and your information may be linked to records relating to other people living at the same address with whom you are financially linked. Other credit grantors may use this information to make credit decisions about you and the people with whom you are financially associated, as well as for fraud prevention, debtor tracing and money laundering purposes. [If you provide false or inaccurate information and we suspect fraud, we will record this].

 

(9) Information about other individuals

 

(10) Your consent

By submitting your personal information you consent to the use of that information as set out in this policy.

 

(11) Policy amendments

We may update this privacy policy from time-to-time by posting a new version on our website. You should check this page occasionally to ensure you are happy with any changes and that you are aware of the most recent version which will apply each time you access this website.

 

(12) Your rights

You have the right (subject to the payment of a small fee as mentioned below) to request access to  any personal information we hold about you. If you wish to exercise this right you should :

 

(a) put your request in writing;

(b) make the payment of a fee (currently fixed at £10.00);

(c) supply appropriate evidence of your identity and address (for this purpose, we will usually accept a photocopy of your passport certified by a solicitor or bank plus an original copy of a utility bill showing your current address);

(d) specify the personal information you want access to, including any account or reference numbers where applicable.

 

We may withhold such personal information to the extent permitted by law.

You have the right to require us to correct any inaccuracies in your data free of charge. If you wish to exercise this right you should:

You also have the right to ask us to stop processing your personal data for direct marketing purposes. In practice, you will usually either expressly agree in advance to our use of your personal information for marketing purposes, or we will provide you with an opportunity to opt-out of the use of your personal information for marketing purposes.

 

(13) Third party websites

The website contains links to other websites. We are not responsible for the privacy policies or practices of third party websites. This privacy policy only applies to this website so when you link to other websites you should read their own privacy policies

 

(14) Updating information

Please let us know if the personal information which we hold about you needs to be corrected or updated.

 

(15) Contact

If you have any questions about this privacy policy or our treatment of your personal information, please contact us.