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Privacy Policy
The Money Surgery Limited Privacy Policy
www.the-insurance-surgery.co.uk is a trading name of The Money Surgery Limited which is an Appointed Representative (FSA registration number 511725) of The Insurance Surgery Ltd who are authorised and regulated by the Financial Services Authority (FSA registration number 401425). The Money Surgery Ltd allows The Insurance Surgery Ltd to use this site as a marketing and communication vehicle. All enquiries generated by the site will be handled by either The Insurance Surgery Ltd or The Money Surgery's other commercial partners who will also be regulated by the Financial Services Authority where required.
The Money Surgery is committed to protecting your personal information and other data provided to The Money Surgery via this and any other The Money Surgery web site. Please read this Privacy Policy carefully as it contains important information about the use of any information you provide to The Money Surgery via this Web Site. This Privacy Policy explains what information The Money Surgery collects about you, and how The Money Surgery collects and uses your information, including setting out the circumstances where The Money Surgery could provide it to third parties. You should also read the separate The Money Surgery User Terms that are applicable to this Web Site.
What information The Money Surgery collects and what does The Money Surgery do with it.
By 'information' we mean information about you that we may now, or at any time in the future hold or use about you that is necessary for the purposes of providing services to you through this website, or for any other purpose set out in this policy. This information may relate to:
-An application/enquiry by you for the provision of goods and
service.
-Any transactions or dealings with us.
-Anything you may tell us, directly or indirectly and whether
orally or in writing or otherwise.
Partial Applications An application/enquiry commences as soon as your contact details are entered on an enquiry form. This information will be transmitted to The Money Surgery Ltd, or where appropriate their third party partners immediately and you may be contacted based on the information supplied without fully completing the application/enquiry form. By commencing an application/enquiry form you are agreeing to your details being used in this way.
The information may include personal and financial details, information relating to family, lifestyle and social circumstances, employment details and Sensitive personal information as defined under the Data Protection Act, for example details relating to physical or mental health, sexual lifestyle.
The Money Surgery will contact you where you provide postal, fax, email or telephone details to offer assistance in obtaining the services you may have requested.
To take advantage of some of the services offered via this Web Site you may be required to log on or register with the Web Site. The Money Surgery and any third parties who hosts or maintains this Web Site may need to collect information about you and your computer to enable you to do so. The information will be collected when you register with the Web Site or when you choose to use one of the services available via the Web Site.
The Money Surgery may use the information which it collects to personalise your experience on the Web Site, to help you to log-in in future, to continue to use the Web Site, and to help The Money Surgery select services or materials for inclusion on the Web Site which may be of interest to you.
The Money Surgery may use your information to notify you by letter, telephone, text or e-mail of news about The Money Surgery, changes to the Web Site, special events or new services that The Money Surgery thinks may interest you. This may include information from third parties. If, at any time, you would rather not receive any such information, you may exercise your right to "opt out" of this service by contacting The Money Surgery via the contact link.
The nature of The Money Surgery's business is such that The Money Surgery may on occasion ask you to provide sensitive personal data as defined in the Data Protection Act 1998 (for example, questions relating to your health where that information is required in order to provide life insurance quotations). Where The Money Surgery does so, The Money Surgery will request your explicit consent to the use of such sensitive personal data. Where you consent to provide The Money Surgery with this information (by agreeing to our terms & conditions) The Money Surgery will take appropriate measures to protect such sensitive personal data.
The Money Surgery or third parties hosting servers on The Money Surgery's behalf may also monitor traffic patterns and usage of the Web Site to help it to improve the Web Site design and lay out.
Please note that The Money Surgery is not responsible for what any third party content provider or other third party offering goods and services via web sites linked to this Web Site may propose to do with information about you. So please ensure you read their terms and conditions carefully.
Sharing of Information with Third Parties
The Money Surgery will not disclose your personal information to third parties other than as described in this clause (unless it is legally required to do so). We may pass information provided by you to carefully selected Third parties who we feel may offer products of specific relevance to you. These carefully selected Third Parties will always, upon contact, identify their association with The Money Surgery (the-insurance-surgery.co.uk) ,
We may need to pass your information to third parties who help The Money Surgery maintain, administer or develop the web site but, if so, that information is only given to those third parties for that limited purpose. In addition, The Money Surgery may provide aggregate statistics about its customers, sales, traffic patterns and related web site information to reputable third parties, but these statistics will include no personally identifying information.
We, or carefully selected Third Parties, may also send details of offers or promotions that we feel may be of specific interest to you. You may opt out of this service at any time.
The Money Surgery reserves the right to access and disclose personal data or information to comply with applicable laws and lawful government requests, to operate its systems properly, or to protect itself or its users.
In the course of registering or using this Web Site and any services offered via this Web Site, certain information about you will be captured electronically or otherwise and transmitted to The Money Surgery or and, potentially, to any third parties as set out above, or to third parties who host The Money Surgery's web servers or assist The Money Surgery in maintaining this Web Site.
The Money Surgery may send your information outside of the European Economic Area for processing or use in accordance with this Privacy Policy.
Contests and Competitions
From time-to-time The Money Surgery may request information from users for the purposes of running contests or competitions. Participation in these contests or competitions is completely voluntary and the user therefore has a choice regarding whether or not to disclose this information
The Money Surgery's Responsibilities - How does The Money Surgery protect user information?
As required by the Data Protection Act 1998, The Money Surgery follows strict security procedures in the storage and disclosure of information which you have provided via this Web Site, to prevent unauthorised access.
Information may be stored on paper or computer records. Please note that information sent by e-mail may not be secure. You may prefer to contact us directly to discuss information of a personal or sensitive nature.
What are 'Cookies' and how does The Money Surgery use them?
A cookie is a piece of information that is stored on your computer's hard drive by your Web browser. On visiting the Web Site, your computer server will use the cookie to guarantee a secure connection. Most browsers accept cookies automatically, but usually you can alter the settings of your browser to prevent automatic acceptance. If you choose not to receive cookies, you may not be able to use certain features of this Web Site.
The Money Surgery may conduct analyses of user traffic. These analyses will be performed through the use of IP addresses and cookies which are required to ensure a secure server connection. The Money Surgery does not use cookies to store any personal data or browsing habits.
Third parties such as advertising agencies and content providers may use cookies on this Web Site to collect personal information about you. The Money Surgery recommends that you read the privacy statement of any third party before using their web site. The Money Surgery is not responsible for the use of such cookies or any other ways in which your personal data may be collected or used by such third parties.
Changes to Privacy Policy
The Money Surgery reserves the right to add to or change the terms of this Privacy Policy in its sole discretion, without prior notice to you. If The Money Surgery changes this Privacy Policy, we will post the new Privacy Policy on the Web Site, and it will become effective from the time of posting to the Web Site. Please visit this Privacy Policy on a regular basis to make sure you have read the latest version and you understand what The Money Surgery does with your information. Wherever possible, The Money Surgery will give you notice of any changes prior to their implementation.
General
This Web Site contains links to other web sites. Please be aware that The Money Surgery cannot be held responsible for the privacy policies of such other sites. The Money Surgery encourages its users to be aware when they leave the Web Site and to read the privacy statements of each and every web site that collects personally identifiable information. This privacy statement applies solely to information collected by this Web Site.
We may request Third Parties to divulge information regarding your enquiry to The Money Surgery.
Feedback
If you have any queries or problems with regard to this Privacy Policy or the uses to which The Money Surgery puts your information, please contact The Money Surgery via the contact link.
Your Consent
By using our services and completing or partially completing an enquiry form you indicate your consent to us collecting and using your information, including sensitive personal information for the purposes and in the ways set out in our policy statement and that this information may be passed to the Third party specified.
In completing or partially completing an enquiry or sending an email to us you confirm that you have read and accept the terms of our privacy policy.
FOLLOW THE INSURANCE SURGERY LTD:
© 2010 The Money Surgery Ltd | The Money Surgery Limited is registered in England No. 07028695
www.the-insurance-surgery.co.uk is a trading name of The Money Surgery Limited which is an Appointed Representative (FSA registration number 511725) of The Insurance Surgery Ltd who are authorised and regulated by the Financial Services Authority (FSA registration number 401425). The Money Surgery Ltd allows The Insurance Surgery Ltd to use this site as a marketing and communication vehicle. All enquiries generated by the site will be handled by either The Insurance Surgery Ltd or The Money Surgery's other commercial partners who will also be regulated by the Financial Services Authority where required. (see terms for full details)