Privacy Policy

1. Introduction

1.1 We are committed to safeguarding the privacy of our website visitors; in this policy we explain how we will treat your personal information.

1.2 By using our website and agreeing to this policy, you consent to our use of cookies in accordance with the terms of our cookie policy.

2. Collecting personal information

2.1 We may collect, store and use the following kinds of personal information:

(a) information about your computer and about your visits to and use of this website (including your IP address, geographical location, browser type and version, operating system, referral source, length of visit, page views and website navigation paths);

(b) information that you provide to us when registering with our website (including your name, your email address, your telephone number, your postal address and the date and time of your enquiry);

(c) information that you provide to us for the purpose of subscribing to our email notifications and/or newsletters (including your name and email address);

(d) information that you supply to us through our enquiry form and information relating to the use of the form (including your name, your email address, your telephone number, your postal address and the date and time of your enquiry);

(e) information that you provide to us when using the services on our website, or that is generated in the course of the use of those services (including the timing, frequency and pattern of service use);

(f) information that you post to our website for publication on the internet (including your user name and the content of your posts);

(g) information contained in or relating to any communication that you send to us or send through our website (including the communication content and metadata associated with the communication); and

(h) any other personal information that you choose to send to us.

2.2 Before you disclose to us the personal information of another person, you must obtain that person’s consent to both the disclosure and the processing of that personal information in accordance with this policy.

3. Using personal information

3.1 Personal information submitted to us through our website will be used for the purposes specified in this policy or on the relevant pages of the website.

3.2 We may use your personal information to:

(a) administer our website and business;

(b) personalise our website for you;

(c) refer you to suppliers of goods or services in which you have expressed an interest;

(d) enable suppliers of goods or services in which you have expressed an interest to contact you;

(e) send you non-marketing commercial communications;

(f) send you email notifications that you have specifically requested;

(g) send you our email newsletter (you can inform us at any time if you no longer require the newsletter);

(h) send you marketing communications relating to our business or the businesses of carefully-selected third parties which we think may be of interest to you, by email or, where you have specifically agreed to this, by email or similar technology (you can inform us at any time if you no longer require marketing communications);

(i) provide third parties with statistical information about our users (but those third parties will not be able to identify any individual user from that information);

(j) deal with enquiries and complaints made by or about you relating to our website;

(k) keep our website secure and prevent fraud; and

(l) verify compliance with the terms and conditions governing the use of our website (including monitoring private messages sent through our private messaging service).

3.3 If you submit personal information for publication on our website, we will publish and otherwise use that information in accordance with the licence you grant to us.

3.4 Your privacy settings can be used to limit the publication of your information on our website, and can be adjusted using privacy controls on the website.

4. Disclosing personal information

4.1 We may disclose your personal information to any of our employees, officers, insurers, professional advisers, agents, suppliers or subcontractors insofar as reasonably necessary for the purposes set out in this policy.

4.2 We may disclose your personal information to any member of our group of companies (this means our subsidiaries, our ultimate holding company and all its subsidiaries) insofar as reasonably necessary for the purposes set out in this policy.

4.3 We may disclose your personal information:

(a) to the extent that we are required to do so by law;

(b) in connection with any ongoing or prospective legal proceedings;

(c) in order to establish, exercise or defend our legal rights (including providing information to others for the purposes of fraud prevention and reducing credit risk);

(d) to the purchaser (or prospective purchaser) of any business or asset that we are (or are contemplating) selling; and

(e) to any person who we reasonably believe may apply to a court or other competent authority for disclosure of that personal information where, in our reasonable opinion, such court or authority would be reasonably likely to order disclosure of that personal information.

4.4 Except as provided in this policy, we will not provide your personal information to third parties.

5. International data transfers

5.1 Information that we collect may be stored and processed in and transferred between any of the countries in which we operate in order to enable us to use the information in accordance with this policy.

5.2 Information that we collect may be transferred to the following countries which do not have data protection laws equivalent to those in force in the European Economic Area: the United States of America, Russia, Japan, China and India.

5.3 Personal information that you publish on our website or submit for publication on our website may be available, via the internet, around the world. We cannot prevent the use or misuse of such information by others.

5.4 You expressly agree to the transfers of personal information described in this Section 5.

6. Retaining personal information

6.1 This Section 6 sets out our data retention policies and procedure, which are designed to help ensure that we comply with our legal obligations in relation to the retention and deletion of personal information.

6.2 Personal information that we process for any purpose or purposes shall not be kept for longer than is necessary for that purpose or those purposes.

6.3 Without prejudice to Section 6.2, we will usually delete personal data falling within the categories set out below at the date/time set out below:

(a) All personal data will be deleted after 12 months.

6.4 Notwithstanding the other provisions of this Section 6, we will retain documents (including electronic documents) containing personal data:

(a) to the extent that we are required to do so by law;

(b) if we believe that the documents may be relevant to any ongoing or prospective legal proceedings; and

(c) in order to establish, exercise or defend our legal rights (including providing information to others for the purposes of fraud prevention and reducing credit risk).

7. Security of personal information

7.1 We will take reasonable technical and organisational precautions to prevent the loss, misuse or alteration of your personal information.

7.2 We will store all the personal information you provide on our secure (password- and firewall-protected) servers.

7.3 You acknowledge that the transmission of information over the internet is inherently insecure, and we cannot guarantee the security of data sent over the internet.

7.4 You are responsible for keeping the password you use for accessing our website confidential; we will not ask you for your password (except when you log in to our website).

7.5 Where we transfer to another business the information that you supply to us through our enquiry forms, we will do so securely. We keep such transfers secure by encrypting transferred data.

8. Amendments

8.1 We may update this policy from time to time by publishing a new version on our website.

8.2 You should check this page occasionally to ensure you are happy with any changes to this policy.

8.3 We may notify you of changes to this policy by email or through the private messaging system on our website.

9. Your rights

9.1 You may instruct us to provide you with any personal information we hold about you; provision of such information will be subject to:

(a) the payment of a fee (currently fixed at GBP 25); and

(b) the supply of appropriate evidence of your identity (for this purpose, we will usually accept a photocopy of your passport certified by a solicitor or bank plus an original copy of a utility bill showing your current address).

9.2 We may withhold personal information that you request to the extent permitted by law.

9.3 You may instruct us at any time not to process your personal information for marketing purposes.

9.4 In practice, you will usually either expressly agree in advance to our use of your personal information for marketing purposes, or we will provide you with an opportunity to opt out of the use of your personal information for marketing purposes.

10. Third party websites

10.1 Our website includes hyperlinks to, and details of, third party websites.

10.2 We have no control over, and are not responsible for, the privacy policies and practices of third parties.

11. Updating information

11.1 Please let us know if the personal information that we hold about you needs to be corrected or updated.

Cookies

By continuing to use this Site, you are agreeing to our use of cookies in the manner described in this policy.

1 What are cookies?

1.1 A cookie is a small data file that is placed on your computer or other device to allow a website to recognise you as a user when you return to the website using the same computer and web browser, either for the duration of your visit (using a ‘session cookie’) or for repeat visits (a ‘persistent cookie’). Other similar files work in the same way and we use the word ‘cookie’ in this policy to refer to all files that collect information in this way.

1.2 Cookies are an extremely common technology for remembering certain information about a visitor to a website. The vast majority of websites currently make use of cookies and they are commonly used for a wide range of tasks. We use the following cookies:

1.2.1 Strictly necessary cookies: as necessary for website operation, for example, to enable you to login to your account;

1.2.2 Analytical/performance cookies: to analyse the use of the Site, for example, recognising and counting the number of visitors and how they move around the Site. This helps us to see what parts of the site are popular and which sections need improving to make the experience better for users;

1.2.3 Functionality cookies: to recognise you when you return to the Site so that content can be personalised for you, for example, by remembering your country and site preferences; and

1.2.4 Targeting cookies: to record your visit to the Site and the pages you have visited and links you have followed. We will use this to make the Site more relevant to your interests.

This document gives you information on the specific cookies used on this Site.

2 How to control and delete cookies

2.1 When you accessed the Site, you were presented with a message that notified you of our use of cookies. We had to use a cookie to present you with that notice (you can see details of this cookie under ‘Cookie Acceptance’ in the table below). If you continue to use the Site, more cookies and other tracking technologies will be placed on your computer as described in the table above in order to enhance your user experience whilst on the Site. By continuing to use the Site and/or by accepting our Terms and our Privacy Policy, you are agreeing to the use of such cookies and tracking technology.

2.2 We will not use cookies to collect personally identifiable information about you. However, if you wish to restrict or block the cookies which are set by this Site (or, indeed, on any other site) you can do this through your browser settings. The ‘Help’ function within your browser should tell you how. In respect of cookies that are set via this Site, it may also be possible to disable these cookies by following the instructions provided in the section titled ‘Opting Out’ in each of the tables below.

2.3 Alternatively, you may wish to visit http://www.allaboutcookies.org/ which contains comprehensive information on how to do this on a wide variety of browsers. You will also find details on how to delete cookies from your computer, as well as more general information about cookies. Please note that, as these websites are not owned or operated by Red Co-operative Limited we are not responsible for any of the content on them.

2.4 Please be aware that restricting cookies may mean that you will not be able to take full advantage of all the features or services available on this Site.

3 Main cookies used on our Site

Below is a list of the main cookies used on the Site and what each is used for

Name Session Cookie
ID npc_session
Purpose Examples of purposes for which a cookie may be used:
This cookie is essential for the Site to:

  • remember who you are currently signed in as.
  • store preferences about your visit, such as the country you’re visiting from.
  • display notifications confirming actions you perform on the Site, such as a confirmation message when you’ve signed in.
  • store your basket, so you can place an order.
Expires This cookie expires at the end of your browsing session.
Source https://www.whichequityrelease.co.uk/
Opting Out It is not possible to opt out of this cookie as it is strictly necessary for basic features of the Site to function properly.

 

Name Remember Cookie
ID npc_remember
Purpose Examples of purposes for which a cookie may be used:
This cookie enables us to:

  • recognise you when you return to the Site.
Expires This is a persistent cookie, which remains on your device after your browsing session has ended. This cookie expires one (1) year after it was first set.
Source https://www.whichequityrelease.co.uk/

 

Name Visit/client cookies
ID npc_visit, npc_client
Purpose This cookie enables us to:

  • estimate our audience size and usage patterns; and
  • understand how people use the site. These cookies help us track certain actions around the Site (such as requesting a sample or placing an order), and tie those together to understand, for example, how long it takes people to place an order after requesting a sample.

They are not used to build a profile of you, other than what you do on the Site, and we are not able to tie them to behaviour away from the Site. We do not share the information with any third parties.

Expires These are persistent cookies, which remain on your device after your browsing session has ended. The npc_client cookie expires one (1) year after it was first set. The npc_visit cookie expires 30 minutes after it was first set.
Source https://www.whichequityrelease.co.uk/

 

Name Cookie Banner
ID npc_cookie_banner_seen
Purpose This cookie enables us to:

  • hide the banner about our cookie policy after you’ve seen it.
Expires This is a persistent cookie, which remains on your device after your browsing session has ended. This cookie expires one (1) year after it was first set.
Source https://www.whichequityrelease.co.uk/
Opting Out It is not possible to opt out of this cookie as it is strictly necessary for us to provide the functionality relating to the Site’s cookie banner.

 

Name Google Analytics
ID _ga
Purpose This cookie enables us to:

  • estimate our audience size and usage patterns; and
  • anonymously track actions around the Site, such as the number of people who upload content.
Expires This is a persistent cookie, which remains on your device after your browsing session has ended. This cookie expires two (2) years after it was first set.
Source Google Analytics
Opting Out This Site uses Google Analytics; a web analytics service provided by Google, Inc. Google Analytics sets a cookie in order to evaluate your use of this Site and compile reports for us on website activity. This cookie does not collect information that identifies an individual. For how to reject or delete these cookies see https://tools.google.com/dlpage/gaoptout

 

4 Third-party cookies

4.1 Please note that to improve your website experience third parties may also use cookies. For example, we sometimes embed video content from websites such as YouTube and YouTube may set cookies on your browser in order to display the video and monitor non-attributable statistical information. Information on YouTube’s privacy policy can be found here: https://www.youtube.com/static?template=privacy_guidelines.

4.2 We also use a number of suppliers who set cookies on this Site on our behalf in order to deliver certain services and features. As a result, when you visit a page with content embedded, you may be presented with cookies from these websites. We do not control the dissemination of these cookies and you should check the relevant third party website for more information about these.

5 Email Tracking

5.1 Some of the emails we send to you may contain a ‘web beacon pixel’ or tracked links which allows us to identify when you have opened the email and to verify which links contained in the email you have accessed. We use this information to determine which parts of our emails are of most interest to you.

5.2 You can delete the pixel by deleting the email. If you do not wish to download the pixel to your computer or other devices, you can do so by selecting to receive emails from us in plain text rather than HTML.

5.3 Alternatively you can unsubscribe from our mailing list by contacting us at help@whichequityrelease.co.uk

6 Changes

6.1 We may make changes to this Cookie Policy at any time by posting a copy of the revised policy on the Site. Any changes will take effect on the date on which we post the modified terms on the Site. Your continued use of the Site means that you agree to be bound by the modified policy.

7 Contact us

7.1 If you have any questions or concerns about cookies or your privacy when using this Site, please contact us at isleofwightequityrelease@gmail.com

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