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| Privacy Policy
YOU SHOULD READ THIS PRIVACY STATEMENT BEFORE USING THIS WEBSITE.
This policy applies to personal information we hold about individuals, sole traders and partnerships. It does not apply to information we hold about companies and other organizations.
We are committed to giving you a personalized service that meets your needs in a way that also protects that privacy. This policy explains how we may collect information about you and then use it to meet your needs. It also explains some of the security measures we take to protect your privacy, and tells you certain things we will not do. You should read this policy in conjunction with the Website Terms and Conditions.
When we first obtain personal information from you, or when you take a new service or product from us, we will give you the opportunity to tell us if you do or do not want to receive information from us about other services or products. You can normally do this by ticking a box on an application form or contract. You may change your mind at any time by emailing us at the address below.
1. Collecting information
We may collect personal information about you from a number of sources, including the following:
• From you when you agree to take a service or product from us, in which case this may include your contact details, date of birth, how you will pay for the product or service and your bank details
• From you when you contact us with an enquiry or in response to a communication from us, in which case this may tell us something about how you use our services
• From documents that are available to the public, such as the electoral register
2. Using information
2.1 Information you provide or we hold about you (whether or not under our contract (or contracts) with you) may be used by us or our agents (or both) to:
1. (a)Identify you when you contact us
2. (b)Help identify accounts, services and/or products which you could have from us from time to time. This identification process may be carried out by an automatic scoring system, which takes account of the information you have provided, any information we hold about you and information from third party agencies (including credit reference agencies)
3. (c)Help run, and contact you about improved running of, any accounts, services and products we have provided before, or provide now or in the future
4. (d)Carry out marketing analysis and customer profiling (including with transactional information) and create statistical and testing information
5. (e)Help to prevent and detect fraud or loss and
6. (f)Contact you in any way (including mail, email, phone, visit, text or multimedia messages) about products and services offered by us and selected partners. We will only contact you in this way if you have previously shown your consent
2.2 We may allow other people to use information we hold about you:
1. (a)To provide the services you have asked for
2. (b)As part of the process of selling one or more of our businesses
3. (c)If we have been asked to provide information for legal or regulatory purposes or
4. (d)As part of current or future legal proceedings
3. Protecting information
We have strict security measures to protect personal information. This includes following certain procedures.
4. The Internet
4.1 If you communicate with us using the internet, we may occasionally email you about our services and products. When you first give us personal information through our website, we will normally give you the opportunity to say whether you would prefer us not to contact you by email. However, you can always send us an email (at the address set out below) at any time if you change your mind.
4.2 Please remember that communications over the Internet, such as emails and webmails (messages sent through a website), are not secure unless they have been encrypted. Your communications may go through a number of countries before they are delivered - this is the nature of the Internet. We cannot accept responsibility for any unauthorized access or loss of personal information that is beyond our control.
4.3 We may use 'cookies' to monitor how people use our site. This helps us to understand how our customers and potential customers use our website so we can develop and improve the design, layout and function of the sites. A cookie is a piece of information that is stored on your computer's hard drive which records how you have used a website. This means that when you go back to that website, it can give you tailored options based on the information it has stored about your last visit. You can normally alter the settings of your browser to prevent it from accepting cookies.
4.4 If you do not want us to use cookies in your browser, you can set your browser to reject cookies or to tell you when a website tries to put a cookie on your computer. However, you may not be able to use some of the products or services on our website without cookies.
7. Credit and fraud checks
This clause applies to personal information held about individuals (including, if the Customer is a corporate body, any key individuals involved in that body), sole traders and partnerships. The Supplier may check the Customer's details with one or more licensed credit-reference and fraud-prevention agencies. The Supplier and they may keep a record of this search and the payment details from the Customer's account, and share it with others. If a person provides false or inaccurate information and the Supplier suspects fraud, this is also recorded. This information may be used by the Supplier, and others may search these records to:
• Help make decisions about credit and credit-related services for the Customer and members of its household
• Help make decisions on motor, household, credit, life and other insurance proposals and insurance claims for the Customer and members of its household
• Trace debtors, recover debt, prevent fraud, and manage the Customer's accounts or insurance policies
• Check the Customer's identity to prevent money laundering, unless it gives us other satisfactory proof of their identity and
• Carry out statistical analysis about credit, insurance and fraud
The Supplier, and other credit and insurance organizations, may also use technology to detect and prevent fraud.
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