Legals, Standard Disclaimer, Data Protection, Privacy

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Limitation of Liability:  To the full extent permissible by law, we assume no responsibility or liability for any information published on this website and further disclaim all liability in respect of such information. In particular, we hereby exclude all liability for any claims, losses, demands or damages of any kind whatsoever in relation to any information, content or advertisements. All information contained in this website is current at the time of publication and whilst the greatest care has been taken over its compilation, we cannot be held responsible for any errors or omissions. All photographic images and media streams are for demonstration purposes and may not depict the relevant model. Errors & Omissions Excepted. Calls may be recorded for training purposes.

Terms of Use - Privacy Policy: Below you will find our policy regarding personal information you may be asked to provide when you register on this website, or participate in our online surveys or discussion panels or otherwise provide personal information on this site. This includes personal data, e-mail address and other information specific to you. We respect your privacy and have put together the following guidelines to address your concerns and let you know how we hold and use your personal information.

What we collect and what we use it for: We collect personal information when you use our services and the panels and any surveys on this site. We may also receive information about you from our business partners or marketing firms. We ask you for personal data only when it is needed for any services you have enquired about or asked us to provide or for participation in any panels, surveys or other activities in which you are taking part on the site or to respond to your requests for information.

We also receive and record information by tracking user traffic patterns throughout our pages to maintain a record of the movements of visitors to our site such as the page visited and the information, activity or service requested. If you send us e-mail, we will also retain the content of your e-mail and your e-mail address to respond to your message and handle any follow up. We use this information to customise the content you see on our pages, to fulfil your requests, to communicate with you generally and to contact you about special, promotions or new services.

Surveys and panels:  In relation to surveys you participate in, we will only request information necessary to carry out analysis relevant to the subject at hand and will only use survey information (other than contact details) for that survey and future aggregate analysis of data. If after agreeing to participate in future online panels and surveys, you want to have your name removed, send us an e-mail to and type REMOVE in the subject line.

What information do we share? There are times when we require to share the personal information we learn from you with other parties. However, the information we hold on our customers is an important part of our business and it is not our business to sell or rent this information to others. We may however share personally identifiable information about our customers.  

Agents: We may use other companies and individuals to perform functions in certain situations on our behalf such as running a survey, making enquires about you or your company or passing your information to a credit reference agency. Other examples could include providing marketing assistance and data analysis and providing customer service. These agents only have access to information required for that purpose and may not use it for any other purpose.
Subsidiaries and strategic partners. We share certain information with subsidiaries under our control and also with our affiliated businesses but we only share customer information relating to a transaction with that business.

Data Protection: Fair Processing Notice: Use of your information: Credit Reference Agencies
In considering your application we or our financiers will search your record at credit reference agencies. They will add to your record details of our searches and this will be seen by other organisations that make searches. Searches will also be made in respect of directors and partners of firms applying for credit. Information held about you by the credit reference agencies may already be linked to records relating to other people with whom you have a financial association. In connection with your application you may be treated as financially linked with them and assessed with reference to any such associated records.

If you are a joint applicant or if you have told us of some financial association with another person, you are declaring that you are entitled to:
- disclose information about you joint applicant and anyone referred to by you.
- authorise us to search, link or record information at credit reference agencies about you and anyone else referred to by you.

It is important that you give us accurate information. We, or our financiers, will check your details with fraud prevention agencies and if you give us false or inaccurate information and we suspect fraud, we will record this.

These records will be shared with other organisations and used by us and them to:

- help make decisions about credit and credit related services such as insurance for you and members of your household.
- trace debtors, recover debt, prevent money laundering and fraud. Fraud prevention agency records will also be shared with other organisations to help make decisions on motor, household, credit, life and other insurance proposals and insurance claims, for you and members of your household.

You have a right to receive a copy of the information we hold about you if you apply to us in writing. You may also contact our financier for a copy of the information they hold about you. A fee will be payable. We will tell you who the financier is upon request.

Business Transfers: We are continually trying to expand and improve our business and we may sell or buy businesses or assets in these transactions. Customer information is generally one of the transferred business assets in these situations and in the event that we or substantially all of our assets are acquired, customer information may be one of the transferred assets.

Where we deal with other companies etc as above, we require those companies to comply with our privacy policy. We may also require to release information where required to do so by law. Other than in the above situations we will give notice on this site when your personal information might be shared with third parties and you will have the opportunity to decide not to share that information.  

Changes to Privacy Policy: We may edit this policy from time to time. If we make any substantial changes we will notify you by posting a prominent announcement on the site.  

Questions or Suggestions:  If you have any questions or suggestions regarding this policy or believe we are not properly adhering to it please send an e-mail to us or call.

Terms of use:  We and our affiliates provide this site to you subject to the following terms and conditions. Please read the terms and conditions carefully - if you visit our site you are deemed to have accepted them. Please leave the site if you do not.

Copyright Statement: The contents of this website (including all website design, text, graphics, their selection and arrangement and all software compilations, underlying source code, software and all other material) are copyright of us except in so far as individually stated on particular material or items. Without affecting our own or third party rights under copyright, you are not permitted to copy, alter or reproduce content for commercial purposes and must credit us at all times.

Privacy:  Your privacy is important to us. Please review our Privacy Policy, which also governs your visit to our site, in order to understand our practices.