Privacy 1. This Privacy Policy 1.1 Alliance & Mutual bank Refunds Ltd is committed to protecting your personal information and other data provided to Alliance & Mutual bank Refunds Ltd via this Website. Please read this Privacy Policy carefully as it contains important information about the use of any information you provide to Alliance & Mutual bank Refunds Ltd via this Website. This Privacy Policy explains what information Alliance & Mutual bank Refunds Ltd collects about you, and how Alliance & Mutual bank Refunds Ltd collects and uses your information, including setting out the circumstances where Alliance & Mutual bank Refunds Ltd could provide it to third parties. 1.2 Because of the financial nature of Alliance & Mutual bank Refunds Ltd business, Alliance & Mutual bank Refunds Ltd products and services are not designed to appeal to or to be sold to persons under the age of 18. Therefore, Alliance & Mutual bank Refunds Ltd does not knowingly attempt to solicit or receive any information from children. 2. What information does Alliance & Mutual bank Refunds Ltd collect and what does Alliance & Mutual bank Refunds Ltd do with it? 2.1 To take advantage of some of the services offered via this Website you might be required to register your details. Alliance & Mutual bank Refunds Ltd and any third parties who hosts or maintains this Website 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 Website or when you choose to use one of the services available via the Website. 2.2 Alliance & Mutual bank Refunds Ltd may use the information which it collects to personalise your experience on the Website, to help you to log-in in future, to continue to use the Website, and to help Alliance & Mutual bank Refunds Ltd select services or materials for inclusion on the Website which may be of interest to you. Alliance & Mutual bank Refunds Ltd may, from time to time, use your information to recommend other products or services to you. Occasionally, Alliance & Mutual bank Refunds Ltd may contact you by letter, telephone or e-mail to inform you about other products and services which may be of interest to you. To exercise your right to “opt out” of this service you should contact Alliance & Mutual bank Refunds Ltd via the link shown below. 2.3 Alliance & Mutual bank Refunds Ltd may use your information to notify you of news about Alliance & Mutual bank Refunds Ltd , changes to the Website, special events or new services that Alliance & Mutual bank Refunds Ltd thinks may interest you. If, at any time, you would rather not receive any such information, please either tick any relevant “opt-out” box on the page where you are asked to give your information or you may contact Alliance & Mutual bank Refunds Ltd via the link shown below. In these circumstances, Alliance & Mutual bank Refunds Ltd will need to keep your information on file so that you can continue to use the Website and so that Alliance & Mutual bank Refunds Ltd can deal with the administration and security of the Website, but Alliance & Mutual bank Refunds Ltd will not e-mail you or contact you by telephone, fax or post without your consent. 2.4 The nature of Alliance & Mutual bank Refunds Ltd ’s business is such that Alliance & Mutual bank Refunds Ltd may on occasion ask you to provide sensitive personal data as defined in the Data Protection Act 1998. Where Alliance & Mutual bank Refunds Ltd does so, Alliance & Mutual bank Refunds Ltd will request your explicit consent to the use of such sensitive personal data. Where you consent to provide Alliance & Mutual bank Refunds Ltd with this information Alliance & Mutual bank Refunds Ltd will take appropriate measures to protect such sensitive personal data. 2.5 Alliance & Mutual bank Refunds Ltd or third parties hosting servers on Alliance & Mutual bank Refunds Ltd ’s behalf may also monitor traffic patterns and usage of the Website to help it to improve the Website design and lay out. Such monitoring will not be identifiable to your personal use of the Website. 2.6 Please note that Alliance & Mutual bank Refunds Ltd is not responsible for what any third party content provider or other third party offering goods and services via Websites linked to this Website may propose to do with information about you. So please ensure you read their terms and conditions carefully. 3. Sharing of Information with Third Parties 3.1 Unless you otherwise agree, Alliance & Mutual bank Refunds Ltd will not disclose your personal information to third parties other than as described in this clause (unless it is legally required to do so). Alliance & Mutual Bank Refunds Ltd reserve the right to pass the details of your claim to an associate or affiliate company/ partner who can provide you with a service to reclaim your bank Charges , Credit Card Charges, Personal Protection Insurance, as outlined on our website. Alliance & Mutual bank Refunds Ltd may need to pass your information to third parties who help Alliance & Mutual bank Refunds Ltd to maintain, administer or develop the Website but, if so, that information is only given to those third parties for that limited purpose. In addition, Alliance & Mutual bank Refunds Ltd may provide aggregate statistics about its customers, sales, traffic patterns and related Website information to reputable third-parties, but these statistics will include no personally identifying information. 3.2 Alliance & Mutual bank Refunds Ltd 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. 4. Your Consent 4.1 You acknowledge and agree that: 4.1.1 in the course of registering or using this Website and any services offered via this Website, certain information about you will be captured electronically (including sensitive personal data where required, but this will be subject to you giving your explicit consent in such cases) or otherwise and transmitted to Alliance & Mutual bank Refunds Ltd or and, potentially, to any third parties as set out above, or to third parties who host Alliance & Mutual bank Refunds Ltd ‘s web servers or assist Alliance & Mutual bank Refunds Ltd in maintaining this Website; and 4.1.2 Alliance & Mutual bank Refunds Ltd may send your information outside of the European Economic Area for processing or use in accordance with this Privacy Policy. 4.2 By using this Website, you expressly agree to the collection and use of your information for the purposes set out in this Privacy Policy. 5. Alliance & Mutual bank Refunds Ltd ’s Responsibilities - How does Alliance & Mutual bank Refunds Ltd protect user information? As required by the Data Protection Act 1998, we follow strict security procedures in the storage and disclosure of information which you have provided via this Website, to prevent unauthorised access. We shall take all reasonable steps to ensure your personal details remain secure, however, we cannot guarantee the security of any information you provide through the Website. You agree that we will not be liable for any such security breaches unless they have been caused by our wilful neglect. 6. What are ‘Cookies’ and how does Alliance & Mutual bank Refunds Ltd use them? 6.1 A cookie is a piece of information that is stored on your computer’s hard drive by your Web browser. On visiting the Website, 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 Website. 6.2 Alliance & Mutual bank Refunds Ltd 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. Alliance & Mutual bank Refunds Ltd does not use cookies to store any personal data or browsing habits. 6.3 Third parties such as advertising agencies and content providers may use cookies on this Website to collect personal information about you. Alliance & Mutual bank Refunds Ltd recommends that you read the privacy statement of any third party before using their Website. Alliance & Mutual bank Refunds Ltd 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. 7. Changes to Privacy Policy Alliance & Mutual bank Refunds Ltd reserves the right to add to or change the terms of this Privacy Policy in its sole discretion, without prior notice to you. If Alliance & Mutual bank Refunds Ltd changes this Privacy Policy, Alliance & Mutual bank Refunds Ltd will post the new Privacy Policy on the Website, and it will become effective from the time of posting to the Website. Please visit this Privacy Policy on a regular basis to make sure you have read the latest version and you understand what Alliance & Mutual bank Refunds Ltd does with your information. Wherever possible, Alliance & Mutual bank Refunds Ltd will give you notice of any changes prior to their implementation. 8. General This Website contains links to other websites. Please be aware that Alliance & Mutual bank Refunds Ltd cannot be held responsible for the privacy policies of such other sites. Alliance & Mutual bank Refunds Ltd encourages its users to be aware when they leave the Website and to read the privacy statements of each and every Website that collects personally identifiable information. This privacy statement applies solely to information collected by this Website. 9. Contact If you have any queries or problems with regard to this Privacy Policy or the uses to which Alliance & Mutual bank Refunds Ltd puts your information or wish to withdraw your consent to the use to which your personal data may be put (this may limit your ability to make effective use of our services), please contact Alliance & Mutual bank Refunds Ltd at 57 Grosvenor St London W1K 3JA.