Privacy Policy

1. Important Notice

This Privacy Policy describes how we obtain and use your personal data, why we are allowed to do so by the law, who has access to your personal data, and what your rights are. Please review it carefully.

In the event that the Site contains a separate Privacy Statement linked via the homepage, in the case of conflict between that Privacy Statement and this Privacy Policy, the Privacy Statement shall prevail.

We take your privacy seriously and use your personal data as explained in this Privacy Policy. We are the “controller” of the personal data you provide to us.

You have the right to object to us processing your personal data for our legitimate business interests or for direct marketing purposes. For more information, please see the section Your rights.

2. Personal Data We May Collect and Why

Personal data is any information that identifies you personally, whether directly or indirectly.

• Contact details: Name, email address, and telephone number to contact you regarding enquiries or services.
• Correspondence: Additional personal data provided via email, telephone, or through our Site.
• Survey responses: Information from surveys for research purposes.
• Transaction details: Information related to transactions through our Site.
• Details of visits: Traffic data, location data, weblogs, and communication data from Site visits.

3. Cookies

What are Cookies?

Cookies are files stored on your device that help websites remember you and customize content accordingly. Most major websites use cookies.

a. What Cookies Are Used on This Site?

• Essential Cookies: Necessary for basic site functionalities like account login.
• Analytics Cookies: Help analyze how users interact with the Site.
• User Cookies: Remember user preferences and return visits.
• Social Sharing Cookies: Allow content sharing on platforms like Facebook, Twitter, Google+.
• Interest-Based Advertising Cookies: Deliver relevant advertisements based on your interests.

b. How Can I Reject or Opt Out of Receiving Cookies?

You can refuse cookies by activating settings in your browser. Visit All About Cookies for detailed guidance on managing cookies.

c. Third Party Cookies

Third parties may store cookies on your device while using our Site for analytics or ad targeting. We have no control over these cookies. More information is available at:

• Your Online Choices
• World Wide Web Consortium’s website for cookie management and privacy practices.

4. How We Use Your Personal Data

• To provide requested products and services.
• To send service communications regarding changes to terms or services.
• For direct marketing (with your consent).
• To track usage and personalize experiences through cookies.
• To provide and improve customer support.
• To maintain accurate internal records.
• To respond to inquiries, complaints, and disputes.
• To detect, investigate, and prevent fraud, and comply with legal obligations.

5. Legal Grounds for Processing

We process personal data based on the following legal grounds:

• Consent: For direct marketing, surveys, sharing with business partners, and credit scoring (where applicable).
• Performance of a contract: Necessary to deliver products and services or communicate about them.
• Legal obligations: Compliance with regulatory and fraud prevention requirements.
• Legitimate business interests: Improve services, understand customers, manage internal operations, and more. When rights may be affected, we rely on consent or other legal bases.

6. Who We Share Your Personal Data With

We may share your personal data with trusted suppliers and service providers (including group companies) acting on our behalf. Disclosure may also occur for legal compliance, fraud prevention, or where necessary to protect business or customer interests. Transfers outside the EEA will be safeguarded under data protection law.

7. How Long We Keep Your Personal Data

We retain your personal data only as long as necessary, considering:

• Legal obligations requiring retention.
• Applicable statute of limitations.
• Actual or potential disputes.
• Guidelines from data protection authorities.

We securely erase data once it is no longer needed for the stated purposes.

8. Your Rights

You have the following rights regarding your personal data:

Right	What Does This Mean?
Right to be Informed	You have the right to be provided with clear, transparent, and easily understandable information about how we use your personal data and your rights.
Right of Access	You have the right to obtain access to your personal data and certain other information, to check that we are using your data according to data protection law.
Right to Rectification	You are entitled to have your personal data corrected if it is inaccurate or incomplete.
Right to Erasure	Also known as ‘the right to be forgotten’, enabling you to request deletion of your data where there is no compelling reason for its continued use (with exceptions).
Right to Restrict Processing	You have the right to block or suppress further use of your data in certain circumstances; we can still store it but not use it further.
Right of Data Portability	You have the right to obtain and reuse your personal data in a structured, commonly used, machine-readable format, and to have it transferred directly to a third party in certain cases.
Right to Object to Processing	You have the right to object to us processing your personal data for legitimate interests or direct marketing purposes (including profiling).
Right to Withdraw Consent	If you have given consent for a particular use, you can withdraw it at any time (processing before withdrawal remains lawful).
Right to Make a Complaint	You have the right to complain to the Information Commissioner’s Office (ICO) if you believe we are mishandling your personal data.

9. How to Contact Us

If you would like to exercise your data protection rights or if you are unhappy with how we have handled your personal data, please feel free to contact us using the details set out on our Site.

If you are not satisfied with our response to any enquiries or complaints or believe our processing of your personal data does not comply with data protection law, you can make a complaint to the Information Commissioner’s Office (ICO) by:

• Writing to: Information Commissioner’s Office, Wycliffe House, Water Lane, Wilmslow, Cheshire, SK9 5AF;
• Calling: 0303 123 1113;
• Submitting a message through the ICO’s website at: ico.org.uk

10. Links to Other Websites

Our website may contain hyperlinks to websites owned and operated by third parties. This Privacy Policy does not apply to those other websites. We encourage you to read the privacy statements on the other websites you visit, as they will govern the use of any personal data you provide when visiting those websites.

We do not accept any responsibility or liability for the privacy practices of such third-party websites, and your use of such websites is at your own risk.

11. Changes to This Privacy Policy

This Privacy Policy was last updated on 1 May 2018.

This Privacy Policy may be updated from time to time, so you may want to check it each time you provide personal data to us.