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ukdebtadvice.co.uk. all its related web sites (“Money Advice Limited”) Privacy Policy PLEASE NOTE: OUR PRIVACY POLICY CHANGES FROM TIME TO TIME AND CHANGES ARE EFFECTIVE UPON POSTING. PLEASE CHECK BACK FREQUENTLY FOR UPDATES AS IT IS YOUR SOLE RESPONSIBILITY TO BE AWARE OF CHANGES. Money Advice Limited DOES NOT PROVIDE NOTICES OF CHANGES IN ANY MANNER OTHER THAN BY POSTING THE CHANGES AT THIS WEB SITE.

IF YOU DO NOT AGREE WITH THE TERMS OF THIS PRIVACY POLICY PLEASE DO NOT PROVIDE ANY INFORMATION TO Money Advice Limited OR USE ANY OF THE SERVICES OR PRODUCTS OFFERED OR PROVIDED ON ANY OF THE WEB SITES REFERRED TO IN THIS PRIVACY POLICY.

The information collection, use, and dissemination practices of Money Advice Limited:

This policy applies to Money Advice Limited’s collection, use, storage and disclosure of information by Money Advice Limited on its (a) websites, including all its divisions, subsidiaries and related companies (collectively, the “Websites”), (b) on various third party websites, and (c) to Money Advice Limited’s other information collection, including the purchase of customer lists from third parties. Money Advice Limited is not responsible for the information collection or privacy practices of third web sites or applications.

  1. Collection of Information.
    1. Survey Information.
    2. Money Advice Limited collects information from individuals by various methods, including, but not limited to, when an individual voluntarily completes an Money Advice Limited survey, order form, or a registration page either online or offline, or by means of online or offline surveys, order forms, or registration pages operated by third parties (collectively, a “Survey”). (As used herein, “online” means using the Internet, including the Websites, and related technologies, and “offline” means by methods other than online, including in person, in the postal mail, using telephones and cell phones, and other similar means.) In the Surveys, Money Advice Limited or a third party (a “Third Party”) may ask an individual to provide various information to Money Advice Limited, which may include his or her name, email address, street address, zip code, telephone numbers (including cell phone numbers and carriers), birth date, gender, salary range, education and marital status, occupation, social security number, employment information, personal and online interests, and such other information as may be requested from time to time (together, “Survey Information”). Money Advice Limited may also collect information concerning an individual from another source and uses that information in combination with information provided from this web site. Completing the Surveys is completely voluntary, and individuals are under no obligation to provide Survey Information to Money Advice Limited or Third Party, but an individual may receive incentives from Money Advice Limited or a Third Party in exchange for providing Survey Information to Money Advice Limited.

    3. Third Party List Information.
    4. Money Advice Limited collects information from individuals when an individual provides information to a third party and Money Advice Limited subsequently purchases, licenses, or otherwise acquires the information from the third party (the “Seller”). Such purchased information may include, but is not limited to, an individual’s name, email address, street address, zip code, telephone numbers (including cell phone numbers and carriers), birth date, gender, salary range, education and marital status, occupation, industry of employment, personal and online interests, and such other information as the individual may have provided to the Seller (together, “Third Party List Information”). When acquiring Third Party List Information, Money Advice Limited seeks assurances from the Seller that the Seller has a right to transfer the Third Party List Information to Money Advice Limited and that the Seller has a right to provide offers from advertisers to the individuals whose personal information is included on the Seller’s list.

    5. Other Information.
    6. Other occasions when Money Advice Limited obtains information from individuals include (1) when an individual is making a claim for a prize or seeking to redeem an incentive offered by Money Advice Limited or by a third party, (2) when an individual requests assistance through Money Advice Limited customer service department, and (3) when an individual voluntarily subscribes to a Money Advice Limited service or newsletter (together, “Other Information”).

    7. Cookies, Pixel Tags, and Other Info Collected Using Technology.

      Money Advice Limited currently uses cookie and pixel tag technology to associate certain Internet-related information about an individual with information about the individual in our database. Additionally, Money Advice Limited may use other new and evolving sources of information in the future (together, “Technology Information”).

      1. Cookies
      2. A cookie is a small amount of data stored on the hard drive of the individual’s computer that allows Money Advice Limited to identify the individual with his or her corresponding data that resides in Money Advice Limited database. You may read more about cookies at http://cookiecentral.com. Individuals who use the Websites need to accept cookies in order to use all of the features and functionality of the Websites.

      3. Pixel Tags.
      4. A pixel tag is programming code that can be used to display an image on a web page (by using an programming function — see http://truste.org for more information), but can also be used to transfer an individual’s unique user identification (often in the form of a cookie) to a database and associate the individual with previously acquired information about an individual in a database. This allows Money Advice Limited to track certain web sites an individual visits online.

      5. New Technology.
      6. The use of technology on the Internet, including cookies and web beacons, is rapidly evolving, as is Money Advice Limited’s use of new and evolving technology. As a result, Money Advice Limited strongly encourages individuals to revisit this policy for any updates regarding its use of technology.

    8. Outside Information.
    9. Money Advice Limited may receive information about individuals from third parties or from other sources of information outside of Money Advice Limited including information located in public databases (“Outside Information”).

    10. Individual Information.
    11. As used herein, Individual Information means Survey Information, Third Party List Information, Other Information, Technology Information, and Outside Information, and any other information Money Advice Limited gathers or receives about individuals.

    12. No Information Collected from Children.
    13. Money Advice Limited will never knowingly collect any personal information about children under the age of 13. If Money Advice Limited obtains actual knowledge that it has collected personal information about a child under the age of 13, that information will be immediately deleted from our database. Because it does not collect such information, Money Advice Limited has no such information to use or to disclose to third parties. Money Advice Limited has designed this policy in order to comply with the Children’s Online Privacy Protection Act (“COPPA”).

    14. Credit Card Information.
    15. Money Advice Limited may in certain cases collect credit card numbers and related information, such as the expiration date of the card (“Credit Card Information”) when an individual places an order from Money Advice Limited. When the Credit Card Information is submitted to Money Advice Limited, such information is encrypted and is protected with SSL encryption software. Money Advice Limited will use the Credit Card Information for purposes of processing and completing the purchase transaction, and the Credit Card Information will be disclosed to third parties only as necessary to complete the purchase transaction.

  2. Use of Individual Information.
    1. Discretion to Use Information.
    2. THE COMPANY MAY USE INDIVIDUAL INFORMATION FOR ANY LEGALLY PERMISSIBLE PURPOSE IN COMPANY’S SOLE DISCRETION.

      The following paragraphs in Section 2 describe how Money Advice Limited currently uses Individual Information, but Money Advice Limited may change or broaden its use at any time. As noted below, Money Advice Limited may update this policy from time to time. Money Advice Limited may use Individual Information to provide promotional offers to individuals by means of email advertising, telephone marketing, direct mail marketing, online banner advertising, and package stuffers, among other possible uses.

    3. E-mail.

      Money Advice Limited uses Individual Information to provide newsletters and promotional offers by email to individuals. Money Advice Limited may maintain separate email lists for different purposes. If email recipients wish to end their email subscription from a particular list, they need to follow the instructions at the end of each email message to unsubscribe from the particular list. To unsubscribe from all Money Advice Limited email lists, a person must send an email to unsubscribe@ukdebtadvice.co.uk.

      1. Content of Email Messages.
      2. In certain commercial email messages sent by Money Advice Limited, an advertiser’s name will appear in the “From:” line but hitting the “Reply” button will cause a reply email to be sent to Money Advice Limited. The “Subject:” line of Money Advice Limited email messages will usually contain a line provided from the advertiser to Money Advice Limited.

      3. Solicited Email.
      4. Money Advice Limited only sends email to individuals who have agreed on the Websites to receive email from Money Advice Limited or to individuals who have agreed on third party websites to receive email from third parties such as Money Advice Limited. Money Advice Limited does not send unsolicited email messages. As a result, statutes requiring certain formatting for unsolicited email are not applicable to Money Advice Limited email messages.

    4. Direct Mail and Telemarketing.
    5. Money Advice Limited uses Individual Information to advertise, directly or indirectly, to individuals using direct mail marketing or telemarketing using telephones and cell phones.

    6. Profiles of Individuals.
    7. Money Advice Limited uses Individual Information to make a profile of an individual. A profile can be created by combining Survey Information and Third Party List Information with other sources of Individual Information such as information obtained from public databases.

    8. Storage of Individual Information.
    9. Money Advice Limited stores the Individual Information in a database on Money Advice Limited computers and Third Party computers. Our computers and our trusted third party provider computers have security measures (such as a firewall) in place to protect against the loss, misuse, and alteration of the information under Money Advice Limited’s control. Not withstanding such measures, Money Advice Limited cannot guarantee that its security measures will prevent Money Advice Limited or its third party providers’ computers from being illegally accessed, and the Individual Information on them stolen or altered.

  3. Dissemination of Individual Information.
    1. Sale or Transfer to Third Parties.
    2. Money Advice Limited DOES NOT SELL, RENT OR SHARE ATTENDEE PERSONAL INFORMATION TO THIRD PARTIES EXCEPT IN THE FOLLOWING SITUATIONS:

    3. Order Fulfillment.
    4. Money Advice Limited will transfer Individual Information to third parties when necessary to provide a product or service that a person orders from such third party while using Money Advice Limited web sites or when responding to offers provided by Money Advice Limited. [Example: The mailhouse that Money Advice Limited uses receives the mailing database to send Money Advice Limited’s Newsletter to its subscribers.]

    5. Legal Process.
    6. Money Advice Limited may disclose Individual Information to respond to subpoenas, court orders, and other legal processes.

    7. Summary Data.
    8. Money Advice Limited may sell or transfer non-individualized information, such as summary or aggregated anonymous information about all persons or sub-groups of persons.

    9. Summary Data.
    10. Money Advice Limited may sell or transfer non-individualized information, such as summary or aggregated anonymous information about all persons or sub-groups of persons.

    11. Access.
    12. Individuals have access to their Individual Information collected to provide an opportunity for an individual to correct, amend, or delete such information. Access can be obtained by contacting legal@ukdebtadvice.co.uk. Money Advice Limited may also grant advertising clients and email services providers’ access to an individual’s email address to verify the origin of the Individual Information collected.

  4. Privacy Practices of Third Parties.
    1. Advertiser cookies and web beacons.
    2. Advertising agencies, merchants, and other companies (together, “Advertisers”) who place advertisements on the Websites and on the Internet generally may use their own cookies, web beacons, and other technology to collect information about individuals. Money Advice Limited does not control Advertisers’ use of such technology and Money Advice Limited has no responsibility for the use of such technology to gather information about individuals.

    3. Links.
    4. The Websites and email messages sometimes contain hypertext links to the web sites of third parties. Money Advice Limited is not responsible for the privacy practices or the content of such other web sites. Linked web sites may contain links to web sites maintained by third parties. Such links are provided for your convenience and reference only. Money Advice Limited does not operate or control in any respect any information, software, products or services available on such third party web sites. The inclusion of a link to a web site does not imply any endorsement of the services or the site, its contents, or its sponsoring organization.

  5. Unsubscribe Procedures.

    If you wish to discontinue receiving email messages from Money Advice Limited, you have several options:

    1. Unsubscribe from one email list.
    2. To unsubscribe from a particular list, either (1) send an email to unsubscribe@ukdebtadvice.co.uk or (2) follow the instructions in each newsletter or promotional email message sent by Money Advice Limited.

    3. Unsubscribe from all of Money Advice Limited’s email lists.
    4. We reserve the right to add Individual Information to multiple lists maintained by Money Advice Limited. To globally unsubscribe from all of Money Advice Limited’s lists, send an email to unsubscribe@ukdebtadvice.co.uk.

For more information about protecting your privacy, you may wish to visit: www.ftc.gov. If you have questions about this policy, please contact us at legal@ukdebtadvice.co.uk