WEBSITE TERMS AND CONDITIONS
Changes to these terms
We reserve the right, in our sole discretion, to amend these Terms, the Policy and our risk warning at any time, in any way and from time to time. We will publish the amended Terms on the Site. These amendments shall come into effect immediately.
It is your responsibility to review these Terms regularly and to ensure that you agree with any amendments to these Terms. If you do not agree with any amendments to these Terms, please do not continue to use the Site.
Use of the website
We have made the Site available to you for your non-commercial use. We may modify, withdraw or deny access to the Site at any time. The Site and all the materials contained in it are protected by intellectual property rights, including copyright, and either belong to us or are licensed to us to use. Materials include, but are not limited to, the design, layout, look, appearance, graphics and documents on the Site, as well as other content such as articles, stories and other text. You may not copy, redistribute, republish or otherwise make the materials on the Site available to anyone else without our consent in writing.
You may print or download materials from the Site for your personal, non-commercial use provided that:
• no materials are modified in any way;·
• no graphics are used separately from accompanying text;
• our copyright and trade mark notices appear in all copies and you acknowledge the Site as the source of the material; and
• if you have our permission to provide these materials to another person, you ensure they are made aware of these restrictions
The Site is intended to provide general information regarding us, our products and services, and other financial information which may be of interest to you. It is not intended to provide exhaustive treatment of any subject dealt with.
The information on the Site including all research, opinions or other content is not intended to and does not constitute consulting or other professional advice or services.
The website may include technical, typographical or other inaccuracies and you are urged to contact us to confirm all information contained on the Site before placing any reliance on it. Changes are periodically made to the information on the Site and these changes will be incorporated in new editions of the Site. We reserve the right to alter or amend any criteria or information set out in the Site without notice.
Nothing on the Site is intended to be nor should be construed as an offer to enter into a contractual relationship with you or anyone else, except for these terms and conditions which govern the relationship between us in relation to your use of the Site.
No information or content contained on the Site should be taken as an offer or a recommendation by us. All services offered by us are subject to completion. We reserve the right to reject at our absolute discretion any application submitted for services contained on the Site.
The Site content is not suitable for any particular purpose whatsoever, other than as a general reference, and we may not have necessarily disclosed all risks relating to the website content or its subject matter.
The fact that we have made the website content available to you is neither a recommendation that any service described on the Site is suitable or appropriate for you.
Transmission of Information
Your attention is drawn to the fact that information transmitted via the Internet is susceptible to monitoring and interception.
You will bear all risk of transmitting information in this manner. We will not be liable for any loss, harm or damage suffered by you as a result of transmitting information to us. We reserve the right to request independent verification of any information transmitted via e-mail.
Please be aware that any unsolicited confidential or proprietary information sent to us via the Internet cannot be guaranteed to remain confidential. If you need to send such information to us and are concerned about the security of this information please contact us and we will advise you of the most appropriate method of transmission.
Changes to the website
We reserve the right to withdraw or modify the Site at any time. We may add new features and modify or even discontinue existing features without notice to you and in our sole discretion. We reserve the right to alter or amend any criteria or information set out in the Site without notice.
Limitation of liability
Your use of and reliance on the Site is entirely at your own risk. The website is provided “As Is” and “As Available”.
The information contained on the Site is given for general information and interest purposes only. Whilst we try and ensure the information contained on the website is accurate and up to date, we cannot be responsible for any inaccuracies in the information. As a result, you should not rely on this information, and we recommend that you take further advice or seek further guidance before taking any action based on the information contained on the Site. Our liability to you as explained below remains unaffected by this.
We shall not be liable in respect of any loss, damage or damages however arising and whatever the cause, in particular pursuant to and in furtherance of these Terms, your access to the Site or from your inability to access the Site.
We do not accept any liability for any acts or omissions resulting from your decision or opinion formed on the basis of you use of the Site. Use of the Site is at your sole risk. We shall not be liable for any loss or damage whatsoever and howsoever arising as a result of your use of or reliance on the information contained on the Site to the maximum extent permitted by law.
We do not guarantee that the Site will be compatible with all or any hardware and software which you may use. We do not guarantee that the Site will be available all the time or at any specific time, that access will be uninterrupted, that there will be no delays, failure, errors or omissions or loss of transmitted information. We shall not be liable to you for any physical loss or damage to your computer as a result of your use of the Site, including any damage arising as a result of a virus. You have sole responsibility for adequate protection and back up of data and/or equipment.
The Terms do not exclude our liability (if any) to you for:
• personal injury or death resulting from our negligence;
• any matter which it would be illegal for us to exclude or to attempt to exclude our liability.
Our liability to you shall not in any circumstances include any business losses that you may incur, including but not limited to lost data, lost profits or business interruption.
Those who access the Site do so on their own initiative, and are therefore responsible for compliance with applicable local laws and regulations. By accessing each site, the entrant has agreed that he/she has reviewed the website in its entirety including any legal or regulatory terms.
Links to other Websites and Services
The website may contain links to other websites, which are not under our control. The links to other sites are for your convenience and we do not accept any responsibility or liability for enabling you to link to any other website, for the contents of any other website, for the security of any other website, or for any consequence of your acting upon the contents of such website. No endorsement or approval of any third parties or their advice, opinions, information, products or services is expressed or implied by any information on the website.
World Wide Web
The contents of the Site are not directed to any person in any jurisdiction where (by reason of that person's nationality, residence or otherwise) the publication or availability of the Site is prohibited. Persons in respect of whom such prohibitions apply must not access the Site.
If any part of the Terms, the Policy and our risk warning is found by any court or other competent authority to be invalid, unlawful or unenforceable then such part shall be severed from the rest of the terms and conditions which shall continue to be valid and enforceable to the fullest extent permitted by law.
For any questions, please email us at email@example.com
OWNERSHIP OF SITE
If you do not accept the terms of this Policy, then you must stop using or accessing this Site. We respect your right to privacy and are committed to responsible information handling practices.
We may amend the Policy from time to time, so you should check this page from time to time to ensure that you are aware of any changes that have been made.
What kind of personal information does the Site use?
When you fill out our form online, you’ll be asked for your name and email address.
When you visit our website, we may collect certain information, like your IP address, or browser, and information about your computer’s operating system, application version, language settings and pages that have been shown to you. If you’re using a mobile device, we might also collect data that identifies your mobile device, device-specific settings and characteristics and latitude/longitude details. We treat this data as non-personal information, except where we are compelled to do otherwise by law or legal authority.
We may also receive information about you when you use certain social media services.
As typical of other websites, we may passively collect information regarding country and time of access through use of Google Analytics. This information is not stored, and no personal information (such as your name) is collected.
We may link to other websites which are not within our control. Once you have left the Site, we are not responsible for the protection and privacy of any information which you provide. You should exercise caution and look at the privacy statement applicable to the third party’s website in question.
What we do with your personal information
We use your information to provide you with a better service, and in particular for the following reasons:
· To provide you with services you have requested and notify you about important changes or developments to these services;
· To respond to your inquiries and/or complaints or process your requests in relation to your information;
· To follow up as part of our customer care procedures;
· To update our records about you;
· For internal record keeping;
· To contact you for market research purposes and/or administer offers to you;
· To improve our products and services;
· For fraud prevention and detection, and to comply with applicable laws and regulations;
· In relation to competitions and other promotions;
· To evaluate the effectiveness of our marketing and for research, training and statistical analysis with the aim of improving our services; and
· To make our Site easier for you to use and to provide you with access to certain parts of the Site.
We process your personal information for the purposes outlined above where:
· The processing of your personal information is necessary to perform a contract or enter into a contract with you;
· The processing of your personal information is necessary for us to comply with legal and regulatory obligations; or
· The processing is necessary to support our legitimate interests in managing our business (or those of a third party) provided such interests are not overridden by your interests and rights.
Your Right to Object – Please note that you have a right to object to the processing of your personal information where that processing is carried out for our legitimate interests.
Where required by applicable law, where we send you direct marketing, we will obtain your consent for this, which you may withdraw at any time.
How long do we keep your personal information
We are required to ensure that your personal information is accurate and maintained in a secure environment for a period of time no longer than necessary for the purposes for which we are processing your personal information. We generally keep personal information collected via the Site in accordance with the timeframes set out in any relevant legislation which applies to the personal information provided to us. However, in some cases we may need to keep personal information for longer (e.g., where we are required to do so in accordance with legal, regulatory, tax or accounting requirements, or dealing with complaints, legal challenges or prospective litigation).
Sharing your personal information
We may disclose your personal information to the following third parties:
· Other companies in our group of companies;
· Selected third parties to provide us with services, including companies that provide us with technical support and assistance in respect of the Site, companies that provide back-office services, companies that provide hosting services or, that track the Site’s activities and analytics, and companies engaged to market and distribute our products and/or services;
· Professional advisers, judicial, regulatory and law enforcement bodies; and
Accessing your personal information
You have a right in certain circumstances to: (i) request access to and rectification or erasure of your personal information; (ii) obtain restriction of processing or to object to processing of your personal information; and (iii) ask for a copy of your personal information to be provided to you, or a third party, in a digital format. If you wish to exercise any of your rights in this regard please contact us at firstname.lastname@example.org. You also have the right to lodge a complaint about the processing of your personal information with your local data protection authority.
What is a cookie?
A cookie is a small amount of data that is placed in the browser of your computer or on your mobile device. This Policy applies to cookies and similar technologies (“cookies”).
Why are cookies used?
Web pages have no memory. If you are surfing from page to page within a website, you will not be recognised as the same user across pages. Cookies enable your browser to be recognised by the website. So cookies are mainly used to remember the choices you have made – choices such as the language you prefer and the currency you use. They will also make sure you are recognised when you return to a website.
Do all cookies do the same thing?
No, there are different types of cookies and different ways of using them. Cookies can be categorised according to their function, their lifespan and according to who places them on a website.
How are cookies used?
Our website uses the following types of cookies:
Technical cookies: We try to provide our visitors with an advanced and user-friendly Site that adapts automatically to their needs and wishes. To achieve this, we use technical cookies to show you the Site and to make it function correctly. These technical cookies are absolutely necessary for the Site to function properly.
Functional cookies: We use functional cookies to remember your preferences and to help you use the Site efficiently and effectively. These functional cookies are not strictly necessary for the functioning of the Site, but they add functionality for you and enhance your experience.
Analytics cookies: We use these cookies to gain insight on how our visitors use the Site, to find out what works and what doesn’t, to optimize and improve the Site and to ensure we continue to be interesting and relevant. The data we gather includes which web pages you viewed, which referring/exit pages you entered and left from, which platform type you used, date and time stamp information and details such as the number of clicks you make on a given page, your mouse movements and scrolling activity, the search words you use and the text you type while using the Site.
Commercial cookies: We use these to show you advertisements on other websites. This is called “retargeting” and it aims to be based on your browsing activities on the Site.
How long does the Site’s cookies stay active?
The cookies we use have varying lifespans. The maximum lifespan we set on some is five years from your last visit to the Site.
How can you recognize and delete the Site’s cookies?
You can find our cookies in your browser settings. If you wish to restrict or block the cookies which are set by the Site, or indeed any other website, you can do this through your browser settings any time you want. Please be aware that restricting cookies may impact on the functionality of the Site.
If you wish to view your cookie code, just click on a cookie to open it. You'll see a short string of text and numbers. The numbers are your identification card, which can only be seen by the server that gave you the cookie.
For information on how to do this on the browser of your mobile phone you will need to refer to your handset manual.
General Data Protection Regulation (GDPR)
This means we are able to collect and process your personal information to provide you with the products and services you have selected, where it is necessary for our legitimate interests, and only in cases where your interests are not adversely affected. We are also able to collect and process your personal information in cases where we need to comply with legal or regulatory obligations.
As always, if you have any questions about this, or anything else, our team would love to hear from you.
Please get in touch at any time via email@example.com. Updated 2018.