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.
We may collect, store and use the following kinds of personal information:
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.
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.
We may use your personal information to:
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.
In addition, we may disclose your personal information:
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.
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.
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).
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].
If you give us information on behalf of someone else, you confirm that the other person has appointed you to act on his/her behalf and has agreed that you can:
By submitting your personal information you consent to the use of that information as set our in this policy.
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:
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.
Please let us know if the personal information which we hold about you needs to be corrected or updated.