We are committed to safeguarding the privacy of visitors to the Next Refinance website (the “Site”); this policy sets out how we will treat your personal information.
Some of the web search services provided herein are provided by providers of third party web search services. For information on the web search services data collection, please visit the end user privacy statements of CodeFuel at http://www.codefuel.com/legal/end_user_privacy_policy and of Verizon Media https://www.verizonmedia.com/policies/us/en/verizonmedia/privacy/index.html, both as updated from time to time and at any successor locations
1. What information do we collect?
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 the Site (including your IP address, geographical location, browser type and version, operating system, referral source, length of visit, page views, Site navigation) in order to give you better recommendations;
(b) information that you may provide to us for the purpose of registering with us;
(c) information that you provide to us for the purpose of subscribing to the Site services and email notifications;
(d) information contained in any email messages sent using our message service;
(e) any other information that you choose to send to us.
A cookie consists of information sent by a web server to a web browser, and stored by the browser. The information is then sent back to the server each time the browser requests a page from the server. This enables the web server to identify and track the web browser.
We may use both “session” cookies and “persistent” cookies on the Site for the purpose of creating better recommendations. We will use the session cookies to keep track of you whilst you navigate the Site. We will use the persistent cookies to enable the Site to recognise you when you visit.
Session cookies will be deleted from your computer when you close your browser. Persistent cookies may remain stored on your computer until deleted, or until they reach a specified expiry date. We use these persistent cookies to better serve you with the kinds of content that we feel may be of interest to you.
We use third-party advertising companies to serve ads and collect information when users visit our site. These companies may use information (not including your name, address, email address or telephone number) about your visits to this and other websites in order to provide advertisements on our site, other websites and other forms of media about goods and services of interest to you. If you would like more information about this practice and to know your choices about not having this information used by these companies, check out http://www.networkadvertising.org/managing/opt_out.asp.
Most browsers allow you to reject all cookies, whilst some browsers allow you to reject just third party cookies. For example, in Internet Explorer you can refuse all cookies by clicking “Tools”, “Internet Options”, “Privacy”, and selecting “Block all cookies” using the sliding selector. Blocking all cookies will, however, have a negative impact upon the usability of many websites, including this one.
3. Using your personal information
We may use your personal information to:
(a) administer the Site;
(b) improve your browsing experience by personalizing the Site;
(c) enable your use of the services available on the Site;
(d) send you general (non-marketing) commercial communications;
(e) send you email notifications which you have specifically requested;
(f) provide third parties with statistical information about our users – but this information will not be used to identify any individual user;
(g) deal with enquiries and complaints made by or about you relating to the Site.
Where you submit personal information for publication on the Site, we will publish and otherwise use that information in accordance with the license you grant to us.
We will not without your express consent provide your personal information to any third parties for the purpose of direct marketing.
Exercising your Rights
You can exercise your rights under applicable laws (for example, under the GDPR (General Data Protection Regulation) or the CCPA (California Consumer Privacy Act), by contacting us at [email protected]. Subject to legal and other permissible considerations, we will make every reasonable effort to honor your request promptly in accordance with applicable law or inform you if we require further information in order to fulfill your request.
When processing your request, we may ask you for additional information to confirm or verify your identity and for security purposes, before processing and/or honoring your request. We reserve the right to charge a fee where permitted by law, for instance if your request is manifestly unfounded or excessive. In the event that your request would adversely affect the rights and freedoms of others (for example, would impact the duty of confidentiality we owe to others) or if we are legally entitled to deal with your request in a different way than initial requested, we will address your request to the maximum extent possible, all in accordance with applicable law.
In addition, we may disclose your personal information:
(a) to the extent that we are required to do so by law;
(b) in connection with any legal proceedings 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); and
(d) 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.
5. International data transfers
Information which you provide may be transferred to countries which do not have data protection laws equivalent to those in force in the European Economic Area.
In addition, personal information that you submit for publication on the Site will be published on the internet and may be available, via the internet, around the world. We cannot prevent the use or misuse of such information by others.
You expressly agree to such transfers of personal information.
6. Security of your personal information
We will take reasonable technical and organisational precautions to prevent the loss, misuse or alteration of your personal information.
We will store all the personal information you provide on our secure (password- and firewall- protected) servers. All electronic transactions you make to or receive from us will be encrypted.
Of course, data transmission over the internet is inherently insecure, and we cannot guarantee the security of data sent over the internet.
You are responsible for keeping your password and user details confidential. We will not ask you for your password (except when you log in to the Site).
7. Policy amendments
8. Your rights
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 £10.00); 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).
We may withhold such personal information to the extent permitted by law.
You may instruct us not to process your personal information for marketing purposes by email at any time. 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.
9. Third party websites
The Site contains links to other websites. We are not responsible for the privacy policies or practices of third party websites.
10. Updating information
Please let us know if the personal information which we hold about you needs to be corrected or updated.