Privacy Policy and Terms of Use

Effective March 2006
Revised October 2006

Privacy Notice Table of Contents:
Our Commitment to Privacy:
Your privacy is important to us. To better protect your privacy we provide this notice explaining our online information practices and the choices you can make about the way your information is collected and used. To make this notice easy to find, we make it available on our homepage and at every point where personally identifiable information may be requested.


LendProtect UK LTD is a licensee’s of the TRUSTe Privacy Program. TRUSTe is an independent, non-profit organization whose mission is to build user’s trust and confidence in the Internet by promoting the use of fair information practices. This privacy statement covers the site www.LendProtect.co.uk. Because this Web site wants to demonstrate their commitment to your privacy, they have agreed to disclose their information practices and have had their privacy practices reviewed for compliance by TRUSTe. LendProtect UK LTD is the sole owner of the information collected on www.LendProtect.co.uk. LendProtect.co.uk collects personally identifiable information from our users at several different points on our Web site. If you have questions or concerns regarding this statement, you should first contact customercare@lendprotect.co.uk. If you do not receive acknowledgement of your inquiry or your inquiry has not been satisfactorily addressed, you should contact TRUSTe at http://www.truste.org/consumers/watchdog_complaint.php. TRUSTe will then serve as a liaison with us to resolve your concerns.

The Information We Collect:
This notice applies to all information collected or submitted on the LendProtect UK LTD service. As LendProtect UK LTD is adding an additional layer of protection to your online purchases, we collect your mobile phone number and Credit/Debit Card Information for the sole purpose of verification, notification, and your online purchase protection.

The protection process provides notification and request for approval anytime your credit/debit card is used for online purchases by utilizing the Short Message Service (SMS) of your mobile device. To achieve this level of protection, LendProtect UK LTD will maintain a data base linking your credit/debit card number with your SMS device. This database will not contain any other elements of personally identifiable information.

In addition, on some pages, you can register for services, order products, make requests, and register to receive materials. The types of personal information collected at these pages are:

Name
Address
Email address
Phone number
Credit/Debit Card Information

The Way We Use Information:
We use the information you provide about yourself when registering to complete your registration and to protect your online purchases. We do not share this information with outside parties except to the extent necessary; to complete the registration process, provide protection services, and as outlined within this privacy notice.

In order to use this Web site, you must first complete the registration form. During registration you are required to give contact information (such as name and email address). We use this information to contact you about the services on our site in which you are currently registered or have expressed interest in.

We use return email addresses to answer the email we receive. Such addresses are not used for any other purpose and are not shared with outside parties.

We use non-identifying and aggregate information to better design our service and to share with advertisers. For example, we may tell an advertiser that X number of individuals visited a certain area on our service, or that Y number of men and Z number of women filled out our registration form, but we would not disclose anything that could be used to identify those individuals.

If you apply for service requiring financial information on our site, we require that you provide certain personally identifiable information, including your name, address, phone number, credit card number. This information is necessary to process your application and to contact you.

From time-to-time we may provide you the opportunity to participate in contests or surveys on our site. If you participate, we will request certain personally identifiable information from you. Participation in these surveys or contests is completely voluntary and you therefore have a choice whether or not to disclose this information. The requested information typically includes contact information (such as name and shipping address), and demographic information (such as zip code).

We may use a third party service provider to conduct these surveys; that company will be prohibited from using our users’ personally identifiable information for any other purpose. We will not share the personally identifiable information you provide through a survey with other third parties unless we give you prior notice and choice.

If you choose to use our referral service to tell a friend about our site, we will ask you for your friend’s name and email address. We will automatically send your friend a one-time email inviting him or her to visit the site. LendProtect UK LTD stores this information for the sole purpose of sending this one-time email and tracking the success of our referral program. Your friend may contact us, please see the “How to Contact Us” section, to request that we remove this information from our database.

We will send you strictly service-related announcements on rare occasions when it is necessary to do so. For instance, if our service is temporarily suspended for maintenance, we might send you an email. Generally, you may not opt-out of these communications, which are not promotional in nature. If you do not wish to receive them, you have the option to deactivate your account.

We will occasionally send you information on products, services, special deals, and promotions. You can choose to receive emails from us on our registration page. Out of respect for your privacy, we present the option not to receive these types of communications. Please see the “Choice and Opt-out” section.

Based upon the personally identifiable information you provide us, we will send you a welcoming email to verify your username and password. We will also communicate with you in response to your inquiries, to provide the services you request, and to manage your account. We will communicate with you by Short Message Service (SMS), email or telephone, in accordance with your wishes.

We store information that we collect through cookies, log files, clear gifs, and/or third party sources to create a “profile” of your preferences. We tie your personally identifiable information to information in the profile, in order to provide tailored communications and to improve the content of the site for you. We do not share your profile with other third parties. We share your profile in aggregate form only. We share aggregated demographic information about our user base with our partners and advertisers. This information does not identify individual users. We do not link aggregate user data with personally identifiable information.

In order to provide services to you, we supplement the personal information you submitted to us with information from third party sources.

ID Verification
We use a third party to verify your identity, in order to complete your initial registration with LendProtect UK LTD.

Finally, we never use or share the personally identifiable information provided to us online in ways unrelated to the ones described above without also providing you an opportunity to opt-out or otherwise prohibit such unrelated uses.

Information Sharing and Disclosure
Personally identifiable information
We DO NOT Share Personally Identifiable Information with Third Parties.

Legal Disclaimer
We reserve the right to disclose your personally identifiable information as required by law and when we believe that disclosure is necessary to protect our rights and/or to comply with a judicial proceeding, court order, or legal process served on our Web site


Our Commitment to Children's Privacy:
Protecting the privacy of the very young is especially important. For that reason, we never collect or maintain information at our service from those we actually know are under the age of 13, and no part of our service is structured to attract anyone under the age of 13.


How You Can Access or Correct Your Information:
You can access all your personally identifiable information that we collect online. If your personally identifiable information changes, or if you no longer desire our service, you may correct, update, delete or deactivate it, by making the change on our member information page by logging into your profile www.LendProtect.co.uk. Additionally, if you prefer, access can be obtained by email, telephone, or postal mail at the contact information listed below. To protect your privacy and security, we will take reasonable steps to verify your identity before granting access or making corrections.


Choice/Opt-out:
We provide you the opportunity to ‘opt-out’ of having your personally identifiable information used for certain purposes, when we ask for this information. For example, if you purchase a product/service but do not wish to receive any additional marketing material from us, you can indicate your preference on our registration/order form. If you no longer wish to receive promotional communications, you may opt-out of receiving them by following the instructions included in each communication or by logging into your profile at www.LendProtect.co.uk. Additionally, if you prefer, access can be obtained by email, telephone, or postal mail at the contact information listed below. To protect your privacy and security, we will take reasonable steps to verify your identity before granting access or making corrections.




Links to Other Sites:
This Web site contains links to other sites that are not owned or controlled by LendProtect UK LTD Please be aware that we, LendProtect UK LTD, are not responsible for the privacy practices of such other sites. We encourage you to be aware when you leave our site and to read the privacy statements of each and every Web site that collects personally identifiable information.

This privacy statement applies only to information collected by this Web site.

Our Commitment to Data Security
The security of your personal information is important to us. We follow generally accepted industry standards to protect the personal information submitted to us, both during transmission and once we receive it. We have put in place appropriate physical, electronic, and managerial procedures to safeguard and secure the information we collect online. When you enter sensitive information (such as credit card number on our registration or order forms, we encrypt that information using secure socket layer technology (SSL). To learn more about SSL, follow this link http://support.microsoft.com/default.aspx?scid=kb;en-us;257591. No method of transmission over the Internet, or method of electronic storage, is 100% secure, however. Therefore, while we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security. If you have any questions about security on our Web site, please see the “How to Contact Us” section.


Business Transitions: In the event LendProtect UK LTD goes through a business transition, such as a merger, acquisition by another company, or sale of all or a portion of its assets, your personally identifiable information will likely be among the assets transferred. You will be notified via prominent notice on our Web site for 30 days of any such change in ownership or control of your personal information.


Changes in this Privacy Statement:
If we decide to change our privacy policy, we will post those changes to this privacy statement, the homepage, and other places we deem appropriate so that you are aware of what information we collect, how we use it, and under what circumstances, if any, we disclose it. We reserve the right to modify this privacy statement at any time, so please review it frequently. If we make material changes to this policy, we will notify you here, by email, or by means of a notice on our home page.


How to Contact Us:
If you have any questions or suggestions regarding our privacy policy, please contact us at:

LendProtect UK LTD
Phone: 020 3206 1100
Address: Longcroft House
2/8 Victoria Avenue
London EC2M 4NS


Email:
Sales:Sales@lendprotect.co.uk
Customer Support: CustomerCare@lendprotect.co.uk