PRIVACY AND COOKIES POLICY
(Last updated: July 2013)
1.INFORMATION ABOUT US
Welcome to Debt www.debt.co.uk (our site), where the subject of debt in all walks of life is examined and shared.
Our site is operated and owned by ClearDebt Group plc whose registered address is Nelson House, Park Road, Timperley, Cheshire, WA14 5BZ with registration number 02441375 ("we, us or our"). We take your privacy very seriously and are committed to protecting and respecting it.
This Privacy and Cookies Policy (together with the documents referred to on it and the terms and conditions) sets out the basis on which any personal data we collect from you, or that you provide to us, either though our site or email notifications, applications, buttons and widgets (the services), will be processed by us . Please read the following carefully to understand our views and practices regarding your personal data and how we will treat it.
For the purposes of the Data Protection Act 1998 (the "Act"), the data controller is ClearDebt Group plc of Nelson House, Park Road, Timperley, Cheshire, WA14 5BZ.
We will only collect and process information about you in accordance with this Privacy and Cookies Policy. By using our site and other services, you consent to such processing.
2.INFORMATION WE MAY COLLECT FROM YOU
We know how important your privacy is to you, and it's important to us that you feel safe and secure on our site and other services. We want to make sure that you have the very best experience of our site and other services and so we may sometimes ask you for certain information and you may send personal data to us. We may collect and process the following data about you:
We collect information through our website at several points. We may collect and process the following information about you:
- Information submitted through enquiry forms, newsletter subscription forms and information that you provide when filling in any other forms on our site;
- Details of your visit to our website including, but not limited to, traffic data, location data, weblogs and other communication data and the resources you access;
- Personally identifiable information which you provide about other people, such as referrals or subscriptions;
- Information about you such as your name, address and contact details when you enter a competition or prize-draw we may choose to operate;
- Information when you report a problem with our site and/or services;
If you contact us, we may keep a record of your message, email address and contact information.
We or our agents on our behalf may also ask you to complete surveys that we use for research purposes, although you do not have to respond to them.
3.IP ADDRESSES AND COOKIES
We use analytics to collect and store anonymous statistical data about our users' visits to our site and services.
We may also collect information about your computer, mobile phone (or other portable or static device used to access our site and services) and your visit to our site, including where available your IP address, operating system, session_id, login, screen name and browser type, for system administration and to report aggregate information to our partners and if necessary our advertisers.
We may obtain information about your general internet usage by using a cookie file and/or similar tools which are stored on the hard drive of your computer. Cookies contain information that is transferred to your computer's hard drive to report back anonymous data to us. They help us to improve our site and to deliver a better and more personalised service.
Our site uses the following cookies:
3.1Google Analytics and AdWords Conversion
This web analytics and conversion service provided by Google Inc helps us to analyse how users use our site. It counts the number of visitors and tells us things about their behaviour overall, such as typical length of stay on our site or the average number of pages a user views and whether they have clicked on ads.
This information generated by the cookie about your use of our site will be transmitted to and stored by Google on their servers. Google will use this information for the purpose of evaluating your use of our site, compiling reports on website activity and providing other services relating to website activity.
Some pages on this website will also record mouse movement information using Mouseflow
If you would not like Mouseflow to record anything from your browser please disable Mouseflow
Generally, cookies may be used to enable us:
- To estimate our audience size and usage pattern.
- To store information about your preferences, and so allow us to customise our site according to your individual interests and provide a more personalised experience to you.
- To speed up your searches.
- To recognise you when you return to our site.
Some third party cookies are set by services that appear on our site. They are set by the operators of that service and are not in our control. They may be set by Twitter, Google, Facebook, Pinterest, Tumblr, Instagram and other third party services and relate to the ability of users to share content on our site.
You may refuse to accept cookies by activating the setting on your browser which allows you to refuse the setting of cookies, as explained below:
How to manage cookies
Click the spanner icon on the browser toolbar.
Click 'Show advanced settings'.
Under 'Privacy', click 'Content settings'.
In the 'Cookies' section, you can manage your cookie settings.
Microsoft Internet Explorer
Click 'Tools' on the browser toolbar.
Select 'Internet options'.
Click the 'Privacy' tab, where you can manage your cookie settings.
Click the 'Firefox' button, or 'Tools' at the top of the browser page.
Click the 'Privacy' tab.
Set 'Firefox will:' to 'Use custom settings for history'.
Manage your settings to accept or reject cookie types.
Click 'Safari' at the top of the screen.
Click the 'Privacy' tab, where you can manage your cookie settings.
If you want to learn more about cookies you can do so at www.allaboutcookies.org
4.WHERE WE STORE YOUR PERSONAL DATA
The data that we collect from you may be transferred to, and stored at, a destination outside the European Economic Area ("EEA"). It may also be processed by staff operating outside the EEA who work for us or for one of our suppliers. By submitting your personal data, you agree to this transfer, storing or processing. We will endeavour to take all steps reasonably necessary to ensure that your data is treated securely and in accordance with this Privacy and Cookies Policy.
Unfortunately, the transmission of information via the internet is not completely secure. Although we will do our best to protect your personal data, we cannot guarantee the security of your data transmitted to our site; any transmission is at your own risk. Once we have received your information, we will use strict procedures and security features to try to prevent unauthorised access.
5.USES MADE OF THE INFORMATION
We use information held about you in the following ways:
To ensure that content from our site is presented in the most effective manner for you and for your device.
To provide you with information, products or services that you request from us or which we feel may interest you, where you have consented to be contacted for such purposes. You may also unsubscribe by following the instructions contained within the notification or the instructions on our site.
To help others find your account, including through third-party services and client applications. You can control this functionality through you account settings. You may choose to upload your address book so that we can help you find other users you know. We may later suggest people to follow on our site based on your imported address book contacts, which you can delete from our site at any time.
To provide features of our site and services to improve and customize the services, for example, with more relevant content like local information, trends, stories, ads, and suggestions for people to follow.
To notify you about changes to our service.
To cross-post which helps us improve our site and service.
To fulfil our legal obligations and respond to litigation.
For our statistical or survey purposes to improve our site and communicate our services to you.
To prevent or detect fraud or abuses of our site and enable third parties to carry out technical, logistical or other functions on our behalf.
To send you information about our services or to market to you.
If you consent, to notify you by email of our products, promotions, competitions and special offers that may be of interest to you. You may use your account settings to unsubscribe from notifications from our site.
To create non personally identifiable reports on the user interaction with our site.
6.HOW YOU CAN REMOVE, UPDATE OR CORRECT YOUR PERSONAL INFORMATION
If you wish us to delete your details from our records entirely, you will need to contact us at firstname.lastname@example.org as we will need to do this manually for you.
The Act gives you the right to access information held about you.
Your right to access can be exercised in accordance with the Act.
Any access request may be subject to a fee of £10 to meet our costs in providing you with details of the information we hold about you.
7.DISCLOSURE OF YOUR INFORMATION
We may disclose your personal information to any member of our group, which means our subsidiaries, our ultimate holding company and its subsidiaries, as defined in section 1159 of the UK Companies Act 2006.
We may disclose your personal information to third parties:
- In the event that we sell or buy any business or assets, in which case we may disclose your personal data to the prospective seller or buyer of such business or assets.
- If we or substantially all of our assets are acquired by a third party, in which case personal data held by us about our customers will be one of the transferred assets.
- If we are under a duty to disclose or share your personal data in order to comply with any legal obligation, or in order to enforce or apply our terms and conditions and other agreements; or to protect the rights, property, or safety of us, our customers, or others. This includes exchanging information with other companies and organisations for the purposes of fraud protection and credit risk reduction.
- To our third party partners as part of providing the full functionality and services of our site to you and to allow them to provide you with details of their services and/or products which might be of interest to you.
If you're under the age of 18 years and don't understand this Privacy and Cookies Policy please ask a parent or guardian to explain them to you. In any case you must be 13 years or over in order to use our site and services. You should not share any personal information with us if you are a Minor (the age of Minors is determined by local laws where you reside).
9.CHANGES TO OUR PRIVACY AND COOKIES POLICY
Any changes we may make to our Privacy and Cookies Policy in the future will be posted on this page and, where appropriate, notified to you by e-mail.
This Privacy and Cookies Policy applies only to information collected by us on our site.
The site may contain links to other websites. Please be aware that we are not responsible for the privacy and cookies policies of such other websites and we would advise you to read the privacy and cookies policy of other websites that collects your personal information.
If you have any questions, comments or requests regarding this Privacy and Cookies Policy, the practices of our site and services or your dealings with our site and services you can contact us by emailing email@example.com