Privacy Policy

1. This Privacy Policy

1.1 The Financial Adviser referred to in the Contact section of this Web Site, is committed to protecting your personal information and other data provided to us via this and any other web site (“Web Site”) we operate. Please read this Privacy Policy carefully as it contains important information about the use of any information you provide to us via this Web Site. This Privacy Policy explains what information we collect about you, and how we collect and use your information, including setting out the circumstances where we could provide it to third parties. You should also read our separate User Terms that are applicable to this Web Site. To view the User Terms click on this link.

1.2 Because of the financial nature of our business, our products and services are not designed to appeal to or to be sold to persons under the age of 18. Therefore, we do not knowingly attempt to solicit or receive any information from children.

2. What information we collect and what do we do with it

2.1 To take advantage of some of the services offered via this Web Site you may be required to log on or register with the Web Site. Us and any third parties who hosts or maintains this Web Site may need to collect information about you and your computer to enable you to do so. The information will be collected when you register with the Web Site or when you choose to use one of the services available via the Web Site.

2.2 We may use the information which it collects to personalise your experience on the Web Site, to help you to log-in in future, to continue to use the Web Site, and to help us select services or materials for inclusion on the Web Site which may be of interest to you. We may, from time to time, use your information to recommend other products or services to you. Occasionally, we may contact you by letter, telephone or e-mail to inform you about other products and services which may be of interest to you. To exercise your right to “opt out” of this service you should contact us via the link shown below.

2.3 We may use your information to notify you of news about our, changes to the Web Site, special events or new services that we think may interest you. If, at any time, you would rather not receive any such information, please either tick any relevant “opt-out” box on the page where you are asked to give your information or you may contact us via the link shown below. In these circumstances, we will need to keep your information on file so that you can continue to use the Web Site and so that we can deal with the administration and security of the Web Site, but we will not e-mail you or contact you by telephone, fax or post without your consent.

2.4 The nature of our business is such that we may on occasion ask you to provide sensitive personal data as defined in the Data Protection Act 1998 (for example, questions relating to your health where that information is required in order to provide life insurance quotations). Where we do so, we will request your explicit consent to the use of such sensitive personal data. Where you consent to provide us with this information we will take appropriate measures to protect such sensitive personal data.

2.5 Use of third parties hosting servers on our behalf may also monitor traffic patterns and usage of the Web Site to help it to improve the Web Site design and lay out.

2.6 Please note that we are not responsible for what any third party content provider or other third party offering goods and services via web sites linked to this Web Site may propose to do with information about you. So please ensure you read their terms and conditions carefully.

3. Sharing of Information with Third Parties

3.1 We will not disclose your personal information to third parties other than as described in this clause (unless it is legally required to do so). We may need to pass your information to third parties who help us to maintain, administer or develop the Web Site but, if so, that information is only given to those third parties for that limited purpose. In addition, We may provide aggregate statistics about its customers, sales, traffic patterns and related Web Site information to reputable third-parties, but these statistics will include no personally identifying information.

3.2 We reserve the right to access and disclose personal data or information to comply with applicable laws and lawful government requests, to operate its systems properly, or to protect itself or its users.

4. Your Consent

4.1 You acknowledge and agree that:

4.1.1 in the course of registering or using this Web Site and any services offered via this Web Site, certain information about you will be captured electronically (including sensitive personal data where required, but this will be subject to you giving your explicit consent in such cases) or otherwise and transmitted to us or and, potentially, to any third parties as set out above, or to third parties who host our web servers or assist us in maintaining this Web Site; and

4.1.2 Wemay send your information outside of the European Economic Area for processing or use in accordance with this Privacy Policy.

4.2 By using this Web Site, you expressly agree to the collection and use of your information for the purposes set out in this Privacy Policy.

5. Contests and Competitions

From time-to-time we may request information from users for the purposes of running contests or competitions. Participation in these contests or competitions is completely voluntary and the user therefore has a choice regarding whether or not to disclose this information.

6. Our Responsibilities – How do we protect user information?

As required by the Data Protection Act 1998, We follow strict security procedures in the storage and disclosure of information which you have provided via this Web Site, to prevent unauthorised access.

7. What are ‘Cookies’ and how do we use them?

7.1 A cookie is a piece of information that is stored on your computer’s hard drive by your Web browser. On visiting the Web Site, your computer server will use the cookie to guarantee a secure connection. Most browsers accept cookies automatically, but usually you can alter the settings of your browser to prevent automatic acceptance. If you choose not to receive cookies, you may not be able to use certain features of this Web Site.

7.2 We may conduct analyses of user traffic. These analyses will be performed through the use of IP addresses and cookies which are required to ensure a secure server connection. We do not use cookies to store any personal data or browsing habits.

7.3 Third parties such as advertising agencies and content providers may use cookies on this Web Site to collect personal information about you. We recommend that you read the privacy statement of any third party before using their web site. We are not responsible for the use of such cookies or any other ways in which your personal data may be collected or used by such third parties.

8. Changes to Privacy Policy

We reserve the right to add to or change the terms of this Privacy Policy in its sole discretion, without prior notice to you. If we change this Privacy Policy, we will post the new Privacy Policy on the Web Site, and it will become effective from the time of posting to the Web Site. Please visit this Privacy Policy on a regular basis to make sure you have read the latest version and you understand what we do with your information. Wherever possible, we will give you notice of any changes prior to their implementation.

9. General

This Web Site contains links to other web sites. Please be aware that we cannot be held responsible for the privacy policies of such other sites. We encourage its users to be aware when they leave the Web Site and to read the privacy statements of each and every web site that collects personally identifiable information. This privacy statement applies solely to information collected by this Web Site.

10. Feedback

If you have any queries or problems with regard to this Privacy Policy or the uses to which we put your information, please contact us via the link shown below.

Click here to contact us if you have a question about our terms or policy.

Use of Cookies

You should be aware that when you use our website or mobile site, we may collect information by using ‘cookies’. Use of our website implies that you accept our use of cookies.

What are cookies and how do they work?

Cookies are small bits of text that are downloaded to your computer or mobile device when you visit a website. Your browser sends these cookies back to the website every time you visit the site again, so it can recognise you and can then tailor what you see on the screen.

What do you use cookies for?

Cookies are an important part of the internet. They make using websites much smoother and affect lots of the useful features of websites. Whilst there are many different uses for cookies this site uses them where required by a feature of the website to provide you with a smooth web browsing experience.

Here are some examples of how cookies might be used:

Some cookies are essential so you can move around the website and use its features. Without these cookies, services you’ve asked for can’t be provided. These cookies don’t gather information about you that could be used for marketing or remembering where you’ve been on the internet.

Keeping you logged in during your visit; without cookies you might have to log in on every page you go to.

When you add something to an online shopping basket, cookies make sure it’s still there when you get to the checkout.

Some are session cookies which make it possible to navigate through the website smoothly. However these are automatically deleted after you close your web browser.

Some cookies allow the website to remember choices you make, such as your language or region and they provide improved features.

Here are a few examples of just some of the ways that cookies are used to improve your experience on our websites:
Remembering your preferences and settings.
Remembering if you’ve filled in a survey, so you’re not asked to do it again.
Remembering if you’ve been to the site before. If you are a first-time user, you might see different content to a regular user.
Enabling social media components, like Facebook or Twitter.
Showing ‘related article’ links that are relevant to the page you’re looking at.

Analytics

We like to keep track of what pages and links are popular and which ones don’t get used so much to help us keep our sites relevant and up to date. It’s also very useful to be able to identify trends of how people navigate (find their way through) our sites and if they get ‘error messages’ from web pages.

This group of cookies, often called ‘analytics cookies’ are used to gather this information. These cookies don’t collect information that identifies you. The information collected is anonymous and is grouped with the information from everyone else’s cookies. We can then see the overall patterns of usage rather than any one person’s activity. Analytics cookies only record activity on the site you are on and they are only used to improve how a website works.

Some of our websites and some of the emails you might get from us also contain small invisible images known as ‘web beacons’ or ‘tracking pixels’. These are used to count the number of times the page or email has been viewed and allows us to measure the effectiveness of its marketing and emails. These web beacons are anonymous and don’t contain or collect any information that identifies you.

We may from time to time also use ‘affiliate’ cookies. Some of our web pages will contain promotional links to other companies’ sites. If you follow one of these links and then register with or buy something from that other site, a cookie is sometimes used to tell that other site that you came from one of our sites. That other site may then pay us a small amount for the successful referral. This works using a cookie.