• What information do we collect?

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

• information about your computer and about your visits to and use of this website (including your IP address, geographical location, browser type, referral source, length of visit and number of page views);
• information relating to any transactions carried out between you and us on or in relation to this website, including information relating to any enquiries you make on our website.
• information that you provide to us for the purpose of registering with us or for one of our services
• information that you provide to us for the purpose of subscribing to our website services, email notifications and/or newsletters
• any other information that you choose to send to us

We may use Secure Rights, an independent third party verification service to collect your information when you make an enquiry on this website. Secure Rights is an independent third party verification service that is dedicated to combating fraud and protecting personal information.
When a person seeking financial products or services submits their enquiry through a website displaying the Secure Rights logo, Secure Rights verifies this consumer information and uses that information only in accordance with the Secure Rights Privacy Policy. Secured Rights also provides a mechanism for consumers to report fraud or unauthorised use of personal information. If you have questions or concerns about the Secure Rights Privacy Policy you should contact Secure Rights by going to the “Contact Us” page on the Secure Rights website at www.securerights.org.uk.

• 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. We will use the session cookies to: keep track of you whilst you navigate the website; we will use the persistent cookies to: enable our website to recognise you when you visit;
Session cookies will be deleted from your computer when you close your browser. Persistent cookies will remain stored on your computer until deleted, or until they reach a specified expiry date.
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. The information generated relating to our website is used to create reports about the use of the website. Google will store this information. Google's privacy policy is available at: http://www.google.com/privacypolicy.html.
Our advertisers and partners may also send you cookies.
Most browsers allow you to refuse to accept 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.) This will, however, have a negative impact upon the usability of many websites including this one.

• Using your personal data

Personal data submitted on 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:

• administer the website;
• improve your browsing experience by personalising the website;
• enable your use of the services available on the website;
• send you email notifications which you have specifically requested;
• redistribute material from this website except for content specifically and expressly made available for redistribution;
• send to you our newsletter and other marketing communications relating to our business or the businesses of carefully-selected third parties which we think may be of interest to you, 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).

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

• Disclosures

We may disclose information about you to [any of our employees, officers, agents, suppliers or subcontractors] insofar as reasonably necessary for the purposes as set out in this privacy policy.
In addition, we may disclose information about you:

• to the extent that we are required to do so by law;
• in connection with any legal proceedings or prospective legal proceedings;
• 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); and
• to the purchaser (or prospective purchaser) of any business or asset which we are (or are contemplating) selling.

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

• 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.
If you are in the European Economic Area (EEA), information which you provide may be transferred to countries the United States which do not have data protection laws equivalent to those in force in the EEA.
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.
You expressly agree to such transfers of personal information.

• Security of your personal data

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

• 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.
We may also notify you of changes to our privacy policy by email.

• Your rights

You may instruct us to provide you with any personal information we hold about you. Provision of such information may be subject to the payment of a fee (currently fixed at £10.00).
You may instruct us not to process your personal data for marketing purposes by email at any time. (In practice, you will usually either expressly agree in advance to our use of your personal data for marketing purposes, or we will provide you with an opportunity to opt-out of the use of your personal data for marketing purposes.)

• Third party websites

The website contains links to other websites. We are not responsible for the privacy policies or practices of third party websites.

• Updating information

Please let us know if the personal information which we hold about you needs to be corrected or updated.
Data is collected, processed and maintained in accordance with the Data Protection Act 1998. Registration Number Z2080440