PayrNet Limited Terms and Conditions for Consumers
This Agreement is with PayrNet Limited, a company incorporated in England and Wales (company number: 09883437) with its head office at "PayrNet, WeWork, 3 Waterhouse Square, 138 Holborn, London, EC1N 2SW, UK" and registered office at "Kemp House, 152 City Road, London, United Kingdom, EC1V 2NX" (hereinafter referred to in this Agreement as “Payrnet”, “we” “us”).
We are an Electronic Money Institution (“EMI”) and are authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011 (“EMR 2011”) (register reference 900594) for the issuing of electronic money.
Our relationship with Novus World ltd (Novus)
As an EMI, we have appointed Novus as a distributor of certain of our services. A distributor means a person who distributes or redeems electronic money on behalf of an electronic money institution but who does not provide payment services on behalf of the electronic money institution (as distributor is defined in the EMR 2011).
1. OUR TERMS
Interpreting this Agreement.
In order to easily understand the terms of this Agreement, please first refer to clause 3 which, amongst other things, sets out the meaning of capitalised terms used in this Agreement.
Why you should read it?
Please read this Agreement carefully before you agree to it, as its terms apply to the services provided by us. The Agreement explains many of your responsibilities to us and our responsibilities to you, how and when this Agreement can be terminated and the extent of our liability to you. If there are any terms that you do not understand or do not wish to agree to, please contact us. You should only complete the sign‑on procedures and agree to the terms of this Agreement if you agree to be bound by this Agreement.
2. INFORMATION ABOUT US AND HOW TO CONTACT US
Who we are.
- We are PayrNet Limited, an EMI as described above.
Communications between us are to be in English.
- This Agreement is concluded in England and all communications between you and us shall be in English only.
How to contact us.
How we may contact you.
- If we have to contact you we will do so as follows: in the first instance via Novus except in urgent cases. If we have not been able to contact you through Novus or if the matter is urgent, we will contact you by writing to you at the email address(es), you provided when agreeing to this Agreement or by using any other contact details you have provided to us or have used in communications with us or Novus.
- includes emails. When we use the words “writing” or “written” in this Agreement, this includes emails.
Some of the services we provide are subject to the Payment Services Regulations 2017.
- The Regulations regulate how payments must be transmitted and provide protection for the clients of authorised payment institutions and electronic money institutions.
- The definitions set out in this clause apply in this Agreement as follows:
“Consumer“ means an individual who, in entering into this Agreement, is acting for a purpose other than a trade, business or profession.
“Electronic Money” means electronically stored monetary value as represented by a claim against us.
“Regulations” means the Payment Services Regulations 2017 (SI 2017 No. 752).
“Safeguarded Account” means the bank account(s) belonging to us, which are separate to our own office bank accounts, into which we will receive money from you, or on your behalf, in return for the issuance of Electronic Money.
“Services” means the e-money account services.
- Clause headings shall not affect the interpretation of this Agreement and references to clauses are to the clauses of this Agreement.
- Any words following the terms including, include, in particular, for example or any similar expression shall be construed as illustrative and shall not limit the sense of the words, description, definition, phrase or term preceding those terms.
- Unless the context otherwise requires, words in the singular shall include the plural and in the plural shall include the singular.
- A reference to a statute or statutory provision is a reference to it as amended, extended or re‑enacted from time to time and reference to a statute or statutory provision shall include all subordinate legislation made from time to time.
4. TERM AND BECOMING A CLIENT
How can you agree to this Agreement?
- You can agree to this Agreement by agreeing to them in our Novus application, or by otherwise confirming your agreement to same or availing of the Services.
When will you become a client of ours?
- You will be bound by this Agreement once you have agreed to it as set out above and this Agreement shall remain in force until terminated in accordance with its terms.
- As part of the Services, we shall issue you with Electronic Money upon receipt of money from you or a third party on your behalf, store your Electronic Money and redeem Electronic Money both on your express instruction and in accordance with this Agreement and the agreement of Novus.
Our Services do not include the provision of advice.
- We do not offer advice under this Agreement on any matter including (without limit) the merits or otherwise of any currency transactions, on taxation, or markets.
6. ISSUING ELECTRONIC MONEY TO YOU
- Where we receive money from you or on your behalf, this money will be held by us in the relevant Safeguarded Account in exchange for the issuance by us to you of Electronic Money. Your funds will not be used by us for any other purpose and in the unlikely event that we become insolvent, your e-money is protected in an EEA-authorised credit institution or the Bank of England.
- When we issue you with Electronic Money, us holding the funds corresponding to the Electronic Money is not the same as a Bank holding your money in that (i) we cannot and will not use the funds to invest or lend to other persons or entities; (ii) the Electronic Money will not accrue interest and (iii) the Electronic Money is not a deposit and is therefore not covered by the Financial Services Compensation Scheme but it is held by us and protected in the relevant Safeguarded Account.
- You may hold Electronic Money and we may hold funds corresponding to your Electronic Money indefinitely. However, if we hold Electronic Money for you for more than two years without any activity on the account, we shall use reasonable endeavours to contact you to redeem the Electronic Money and return the corresponding funds to you. If we are unable to contact you, we may redeem the Electronic Money and send the corresponding funds, less any of our costs incurred, to the last known bank account we have on file for you.
- We accept no responsibility in the event that you send money to the incorrect account.
- We do not accept cash or cheques. We accept monies via a variety of methods of electronic funds transfer to our bank account, the details of which we shall provide to you upon request.
7. GENERAL LIMITATION OF LIABILITY
- Where we and another person (such as a payment services provider) are liable to you in respect of the same matter or item, you agree that our liability to you will not be increased by any limitation of liability you have agreed with that other person or because of your inability to recover from that other person beyond what our liability would have been had no such limitation been agreed and/or if that other person had paid his or its share.
- Where any loss, liability, cost or expense (a “Loss”) is suffered by you for which we would otherwise be jointly and severally or jointly liable with any third party or third parties, the extent to which such Loss shall be recoverable by you from us (as opposed to any third parties) shall be limited so as to be in proportion to the aggregate of our contribution to the overall fault for such Loss, as agreed between all of the relevant parties or, in the absence of agreement, as determined by a court of competent jurisdiction. For the purposes of assessing the contribution to the Loss in question of any third party for the purposes of this clause, no account shall be taken of any limit imposed or agreed on the amount of liability of such third party by any agreement (including any settlement agreement) made before or after such Loss occurred or was otherwise incurred.
- Nothing in this Agreement limits or excludes our liability for death or personal injury caused by our negligence or for any damage or liability incurred by you as a result of fraud or fraudulent misrepresentation by us or to the extent that the liability may not be excluded or limited by any applicable law.
- We have internal procedures for handling complaints fairly and promptly in accordance with the Financial Conduct Authority’s requirements. A copy of our complaints procedure is available upon request.
- If you are an eligible complainant you may be able to take your complaint to the Financial Ombudsman Service should you not be satisfied with our final response. Eligibility criteria and information on the procedures involved are available from http://www.financial‑ombudsman.org.uk. In addition, please note that disputes may be submitted for online resolution to the European Commission Online Dispute Resolution platform.
9. ESTABLISHING YOUR IDENTITY
- To comply with the requirements of the Money Laundering, Terrorist Financing and Transfer of Funds (Information on the Payer) Regulations 2017, the Proceeds of Crime Act 2002 and EU Wire Transfer Regulations (Regulation (EU) 2015/847) and related regulations, it may be necessary to obtain from you, and retain, evidence of your personal identity in our records from time to time. If satisfactory evidence is not promptly provided to us we cannot accept your instructions.
- We may keep records of the contents and results of any searches that we carry out on you in accordance with all current and applicable laws. You acknowledge that us carrying out an electronic verification check or, if required, a credit reference agency check will leave a soft footprint on your credit history.
- We are obliged to report any reasonable suspicions about activities on the electronic accounts to the regulatory authorities. This may affect our relationship with you so far as confidentiality is concerned. If we are required under legislation (including the Money Laundering, Terrorist Financing and Transfer of Funds (Information on the Payer) Regulations 2017 and the Proceeds of Crime Act 2002) to refrain from communicating with you and/or proceeding with your instructions, we can accept no liability for the consequences of being prevented from doing so.
When we may terminate or suspend this Agreement.
- We can terminate this Agreement at any time:
- If you breach this Agreement; and/or
- if we suspect that you are using the Services for any illegal purposes.
- We may suspend or terminate your access to the Services where we have reasonable grounds for concern relating to: (i) the security of your account(s), whether or not you have informed us of a security breach; and/or (ii) the suspected unauthorised or fraudulent use of your account(s).
- If Novus notifies us that its agreement with you has terminated we can terminate this agreement with immediate effect.
- If you terminate your agreement with Novus, or that agreement is terminated, we can terminate this Agreement with immediate effect.
- If our agreement with Novus terminates, we will give you not less than two (2) month’s written notice to terminate this Agreement.
- We may terminate this Agreement at any time and for any reason by giving you not less than two (2) month’s written notice.
When you may terminate this Agreement.
- You can terminate this Agreement at any time and for any reason by cancelling your agreement with Novus. We may contact you to confirm your request.
Effect of Termination.
- Upon the effective date of termination:
- you will no longer be able to avail yourself of the Services;
- we shall redeem any Electronic Money we hold for you and send the equivalent funds to a bank account in your name, unless agreed by both parties, less any monies which are due and owing to us.
- After termination, you may contact us using the contact details set out in clause 2.3 to redeem any Electronic Money you still hold with us.
- We undertake that we shall not at any time, disclose to any person any of your confidential information, except in the following circumstances:
- to our employees, officers, representatives or advisers who need to know such information for the purposes of exercising our rights or carrying out our obligations under or in connection with this Agreement. We shall ensure that our employees, officers, representatives or advisers to whom we disclose your confidential information comply with this clause; and
- as may be required by law, a court of competent jurisdiction or any governmental or regulatory authority.
12. HOW WE MAY USE YOUR PERSONAL INFORMATION
How we may use your personal information.
Recording of telephone conversations.
- We may record telephone conversations with or without use of a warning tone and we may use these recordings as evidence for a particular purpose or in relation to disputes as well as for our ongoing quality control and training programme. We may also maintain a record of all emails sent by or to us. All those recordings and records will be maintained at our absolute discretion and are our property and can be used by us in the case of a dispute. We do not guarantee that we will maintain such recordings or records or be able to make them available to you. You consent to the use and admissibility of any such recording as evidence in any dispute or anticipated dispute between the parties which relates to the dealings between the parties.
Ensuring this Agreement is legally enforceable.
- For a contract to be legally enforceable, there needs to be an offer, acceptance and consideration. This Agreement constitutes our offer to make the Services available to you and you agreeing to this Agreement constitutes your acceptance of this offer. In order to ensure that this Agreement is legally binding, upon you becoming a client, you promise to pay us the sum of one‑Pound sterling, upon demand from us, as consideration.
Even if we delay in enforcing under this Agreement, we can still enforce it later.
- If we do not insist immediately that you do anything you are required to do under this Agreement, or if we delay in taking steps against you in respect of your breach of this Agreement, that will not mean that you do not have to do those things and it will not prevent us taking steps against you at a later date.
What if something unexpected happens?
- We shall have no liability to you under this Agreement or any Contract if we are prevented from or delayed in performing our obligations under this Agreement, or from carrying on our business, by acts, events, omissions or accidents beyond our reasonable control, including, without limitation, strikes, lock‑outs or other industrial disputes (whether involving us or any other party), failure of a utility service or transport or telecommunications network, act of God, war, riot, civil commotion, malicious damage, compliance with any law or governmental order, rule, regulation or direction, accident, breakdown of plant or machinery, fire, flood, storm or our default of sub‑contractors, provided that you are notified of such an event and its expected duration.
If a court finds part of this Agreement illegal, the rest will continue in force.
- Each of the sub‑clauses, clauses and paragraphs of this Agreement operates separately. If any court or relevant authority decides that any of them are unlawful, the remaining sub‑clauses, clauses and paragraphs will remain in full force and effect.
We are not partners and neither of us may act as the other’s agent.
- Nothing in this Agreement is intended to or shall operate to create a partnership or joint venture between you and us, or authorise either party to act as agent for the other, and neither party shall have the authority to act in the name or on behalf of or otherwise to bind the other in any way (including, but not limited to, the making of any representation or warranty, the assumption of any obligation or liability and the exercise of any right or power).
We can make amendments to this Agreement.
- We shall have the right to make such amendments to this Agreement, via Novus, as are necessary to comply with any laws and regulations that are applicable to the performance of our obligations under this Agreement where such laws and regulations are implemented and/or amended after the date of this Agreement. Such amendments may be made at any time upon as much notice as possible to you and shall take effect following such notice, if any. If you object to the proposed amendments, you have the right to terminate this Agreement without charge before the date proposed by us for the entry into force of the changes. You will be deemed to have accepted the proposed amendments unless you notify us and terminate this Agreement before the date proposed by us for the entry into force of the changes. If we receive no objection from you, such amendments shall take effect from the date specified by us but may not affect any rights or obligations that have already arisen and will not be retrospective.
What happens if you are jointly a client of ours with another person?
- Where you comprise two or more people, each person will be jointly and severally liable to us in respect of all obligations contained in this Agreement.
Can you obtain a copy of this Agreement or additional information?
- You may request and we shall provide a copy of this Agreement and any information set out in Schedule 4 of the Regulations (if relevant) at any time prior to termination of this Agreement.
We may transfer this agreement to someone else.
- We may transfer our rights and obligations under this Agreement to another organisation without your consent. We will always tell you in writing if this happens and we will ensure that the transfer will not affect your rights under this Agreement.
You need our consent to transfer your rights to someone else (except that you can always transfer our guarantee).
- You may only transfer your rights or your obligations under this Agreement to another person if we agree to this in writing.
Nobody else has any rights under this Agreement.
- This contract is between you and us. No other person shall have any rights to enforce any of its terms.
Which laws apply to this Agreement and where you may bring legal proceedings.
- These terms are governed by English law and you can bring legal proceedings in respect of the products in the English courts. If you live in Scotland you can bring legal proceedings in respect of the Services in either the Scottish or the English courts. If you live in Northern Ireland you can bring legal proceedings in respect of the Services in either the Northern Irish or the English courts.
Other applicable terms
Information about us
Our site is operated by Novus World Ltd (“Novus”, “we”, “us” or “our). We are incorporated and registered in England and Wales with company number 12558352 and have our registered office is at 71-75 Shelton Street, Covent Garden, London, WC2H 9JQ, England.
To contact us, please write us an email to firstname.lastname@example.org.
No reliance on information
The content on our site is provided for general information only. It’s not intended to be taken as advice on which you should make any decisions. If you want advice, you must get it from a professional before doing, or not doing, anything on the basis of the content on our site.
Although we try to make sure the information on our site is current, we make no representations, warranties or guarantees, either express or implied, that the content on our site is accurate, complete or up-to-date.
Changes to these terms
Changes to our site
We may update our site from time to time, and may change its content at any time. However, please note that any of the content on our site may be out of date at any given time, and we’re under no obligation to update it. We do not guarantee that our site, or any content on it, will be free from errors or omissions.
Our site is made available to you free of charge. We don’t guarantee that it, or any content on it, will always be available or uninterrupted. Your access to our site is permitted on a temporary basis. We can suspend, withdraw, discontinue or change all or any part of our site without notice. We are not liable to you if, for any reason, our site is unavailable at any time or for any period.
Our site is directed to people residing in the United Kingdom. We don’t claim that content available on, or through, our site is appropriate or available in other locations. We may limit the availability of our site or any of its services or products to any person or geographic area at any time. If you choose to access our site from outside the United Kingdom, you do so at your own risk.
Intellectual property rights
We’re the owner or the licensee of all intellectual property rights contained on our site and in the material published on it. Those works are protected by laws and treaties around the world, including in relation to copyright and trademarks. All such rights are reserved.
You may print off one copy, and may download extracts, of any page(s) from our site for your personal use and you may draw the attention of others to content posted on our site.
You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text.
Our status (and that of any identified contributors) as the authors of content on our site must always be acknowledged.
You must not use any part of the content on our site for commercial purposes without obtaining a licence to do so from us.
Limitation of our liability
To the extent permitted by law, we exclude all conditions, warranties, representations or other terms which may apply to our site or any content on it – expressed or implied.
We are not liable to any user for any loss or damage, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, even if foreseeable, in connection with any of the following (including but not limited to):
Use of, or inability to use, our site; or
Use of or reliance on any content displayed on our site.
Please note that we only provide our site for domestic and private use. You agree not to use our site for any commercial or business purposes and we have no liability to you for any loss of profit, loss of business, business interruption, or loss of business opportunity if you do.
We will not be liable for any loss or damage caused by a virus, distributed denial-of-service attack, or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of our site or to you downloading of any content on it, or on any website linked to it.
Our site sometimes contains links to other sites and resources provided by third parties. These links are provided for your information only. We have no control over the contents of those sites or resources. We assume no responsibility for the content of websites linked on our site. Such links should not be interpreted as endorsement by us of those linked websites. We will not be liable for any loss or damage that may arise from your use of them.
We do not guarantee that our site will be secure or free from bugs or malware. It’s up to you to configure your information technology, computer programmes and platform to access our site, and you should use your own virus protection software.
You must not misuse our site by knowingly introducing trojans, worms, logic bombs, any other malware (including viruses) or other material which is malicious or technologically harmful or detrimental, in any way to us, or any third party. You must not attempt to gain unauthorised access to our site, the server on which our site is stored, or any server, computer or database connected to our site. You must not attack our site via a denial-of-service attack or a distributed denial-of service attack. By breaching this provision, you would commit a criminal offence under the Computer Misuse Act 1990 and possibly other laws. We will report any such breach to the relevant law enforcement authorities and we will cooperate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use our site will cease immediately.
Novus is our UK registered trade mark in certain categories. You are not permitted to use it without our approval.
Novus World Ltd (“Novus”, “we”, “us” or “our”) are committed to protecting and respecting your privacy.
Please read the following carefully to understand our views and practices regarding your personal data and how we will treat it.
For the purpose of the EU General Data Protection Regulation 2016/679 (GDPR), the controller of your data is Novus World Ltd, a company registered in England and Wales under company number 12558352 whose registered office is at 71-75 Shelton Street, Covent Garden, London, WC2H 9JQ, England.
All your data will be held and used in accordance with the GDPR and any relevant national laws which implement the GDPR and any legislation that replaces it in whole or in part including the Data Protection Act 2018.
Information we may collect from you
We may collect and process the following data about you:
Information you give us.
- You may give us information about you by filling in forms on our website or by corresponding with us by phone or email. This includes information you provide when you register to use our site, onboard as a client to our services, provide any information to our site, make an enquiry, provide feedback and when you report a problem with our site.
The information you give us may include your name; address; e-mail address; phone number; billing information, IBAN details and your payment card information personal identification (such as passports, driving licenses and other information required for us to carry out client background checks); date of birth; country of residence; your status as either a student or a professional; photographs; organisation details (if relevant); or other personally identifiable information in documents that you send us.
Information we collect about you.
- With regard to each of your visits to our site we may automatically collect the following information:
- information about your visit, including the full URL clickstream to, through and from our site (including date and time); pages you viewed or searched for;
- page response times, download errors, length of visits to certain pages, page interaction information (such as scrolling, clicks, and mouse-overs), and methods used to browse away from the page;
- internet protocol (IP) address, your location data, login data, browser type and version, browser plug-in types and versions, operating system and platform and other technology on the devices you use to access our website.
Information we receive from other sources.
- We also work with third parties (including, for example, clients, business partners, sub-contractors in technical, payment and delivery services, advertising networks, analytics providers, search information providers, credit reference agencies) and may receive information about you from them.
Uses made of the Information
We use information held about you in the following ways:
Information you give to us.
- We will use this information:
- to carry out our obligations arising from any contracts entered into between you and us and to provide you with the information, products and services that you request from us;
- to perform analytics on our clients and community members to ensure we are providing the best possible client service;
- to provide you with information about other goods and services we offer that are similar to those that you have already purchased;
- to collect feedback from people and businesses and for staff training purposes;
- to provide you with information about goods or services we feel may interest you. If you are an existing customer, we will only contact you by electronic means information about goods and services similar to those which were the subject of a previous sale to you, and you will be given an option to unsubscribe with each communication. If you are a new customer, and where we permit selected third parties to use your data, we (or they) will contact you by electronic means only if you have consented to this. If you do not want us to use your data in this way, or to pass your details on to third parties for marketing purposes, please tick the relevant box situated on the form on which we collect your data;
- to notify you about changes to our service;
- to ensure that content from our site is presented in the most effective manner for you and for your computer; and
- for any purposes required by law such as for tax, legal, reporting and auditing obligations.
Information we collect about you.
- We will use this information:
- to administer our site and for internal operations, including troubleshooting, data analysis, testing, research, statistical and survey purposes;
- to improve our site to ensure that content is presented in the most effective manner for you and for your computer;
- to allow you to participate in interactive features of our service, when you choose to do so;
- as part of our efforts to keep our site safe and secure;
- to measure or understand the effectiveness of advertising we serve to you and others, and to deliver relevant advertising to you;
- to make suggestions and recommendations to you and other users of our site about goods or services that may interest you or them.
Information we receive from other sources.
We may combine this information with information you give to us and information we collect about you. We may us this information and the combined information for the purposes set out above (depending on the types of information we receive).
Where we receive personally identifiable information about you from our clients in the course of us providing legal services to our clients, we will only use it to the extent necessary for us to fulfil these legal services.
The Legal Basis for Processing your Information
In accordance with GDPR, the main grounds that we rely upon in order to process your information are as follows:
Necessary for entering into or performing a contract.
- In order to perform obligations which arise under any contract we have entered into with you, it will be necessary for us to process your information.
Necessary for compliance with a legal obligation.
- We are subject to certain legal requirements which may require us to process your information. We may also be obliged by law to disclose your information to a regulatory body or law enforcement agency.
Necessary for the purposes of legitimate interests.
- Either we or a third party will need to process your information for the purposes of our (or a third party’s) legitimate interests, provided that we have established that those interests are not overridden by your rights and freedoms (including your right to have your information protected). Our legitimate interests include responding to requests and enquiries from you or a third party, optimising our website and user experience, informing you about our services and ensuring that our operations are conducted in an appropriate and efficient manner.
- In some circumstances, we may ask for your consent to process your information in a particular way.
Disclosure of your Information
We may share your personal information with any member of our group from time to time, which means our subsidiaries, our ultimate holding company and its subsidiaries, as defined in section 1159 of the UK Companies Act 2006.
We may share your information with selected third parties including:
- Business partners, suppliers, regulatory bodies, membership organisations and sub-contractors for the performance of any contract we enter into with them or you.
- Advertisers and advertising networks that require the data to select and serve relevant adverts to you and others.
- Analytics and search engine providers that assist us in the improvement and optimisation of our site.
- Credit reference agencies or background checking service providers for the purpose of assessing your credit score where this is a condition of us entering a contract with you.
- Should it be reasonably necessary, professional advisors including debt recovery organisations.
- In the event that we sell or buy any business or assets, in which case we may disclose your personal data to the prospective seller or buyer of such business or assets.
- If Novus World Ltd or substantially all of its assets are acquired by a third party, in which case personal data held by it about its customers will be one of the transferred assets.
- Our website may include links to third-party websites, such as Stripe or our Facebook, Twitter, Instagram and/or LinkedIn social media pages. Clicking on those links may allow third parties to collect or share data about you. We do not control these third-party websites and are not responsible for their privacy policies. You should read any policies and other statements on such websites carefully.
Where we Store your Personal Data
To the extent that any of your data is provided to third parties outside the EEA, or accessed by third parties from outside the EEA, we will ensure that appropriate safeguards are in place in accordance with the GDPR (such as the European Commission’s standard contractual clauses.
Unfortunately, the transmission of information via the internet is not completely secure. Although we will do our best to protect your personal data, we cannot guarantee the security of your data transmitted to our site; any transmission is at your own risk. Once we have received your information, we will use strict procedures and security features to try to prevent unauthorised access.
How Long we Hold your Information
We will only retain your information for as long as necessary to fulfil the purposes we collected it for, including for the purposes of satisfying any legal, accounting or reporting requirements. The criteria that we use to determine retention periods will be determined by the nature of the data and the purposes for which it is kept, the sensitivity of the data and the potential risk of harm from unauthorised use or disclosure.
You have certain rights in relation to the personal data that we hold about you. Details of these rights and how to exercise them are set out below. Please note we will require evidence of your identity before we are able to respond to your request.
- Right of Access. You have the right at any time to ask us for a copy of the personal information that we hold about you and to check that we are lawfully processing it. Where we have good reason, and if the GDPR permits, we can refuse your request for a copy of your personal information, or certain elements of the request. If we refuse your request or any element of it, we will provide you with our reasons for doing so.
- Right of Correction or Completion. If personal information we hold about you is not accurate or is out of date and requires amendment or correction you have a right to have the data rectified or completed.
- Right of Erasure. In certain circumstances, you have the right to request that personal information we hold about you is erased e.g. if the information is no longer necessary for the purposes for which it was collected or processed or our processing of the information is based on your consent and there are no other legal grounds on which we may process the information.
- Right to Object to or Restrict Processing. In certain circumstances, you have the right to object to our processing of your personal information. For example, if we are processing your information on the basis of our legitimate interests and there are no compelling legitimate grounds for our processing which override your rights and interests. You may also have the right to restrict our use of your personal information, such as in circumstances where you have challenged the accuracy of the information and during the period where we are verifying its accuracy.
- Right of Data Portability. In certain instances, you have a right to receive any personal information that we hold about you in a structured, commonly used and machine-readable format.
In such circumstances, you can ask us to transmit that information to you or directly to a third party organisation.
While we are happy for such requests to be made, we are not able to guarantee technical compatibility with a third party organisation’s systems. We are also unable to comply with requests that relate to personal information of others without their consent.
You can exercise any of these rights at any time by contacting us using the details in the ‘Contact’ section below.
Our site may, from time to time, contain links to and from the websites of our partner networks, advertisers and affiliate such as Stripe or our Facebook, Twitter, Instagram, LinkedIn or other social media pages. If you follow a link to any of these websites, please note that these websites have their own privacy policies and that we do not accept any responsibility or liability for these policies. Please check these policies before you submit any personal data to these websites.
Right to Withdraw Consent
In the limited circumstances where you may have provided your consent to the collection, processing and transfer of your information for a specific purpose, you have the right to withdraw your consent for that specific processing at any time. You can do this by contacting us using the details in the ‘Contact’ section below.
Once we have received notification that you have withdrawn your consent, we will no longer process your information for the purpose or purposes you originally agreed to, unless we have another legitimate basis for doing so in law.
If you are unhappy about our use of your information, you can contact us using the details in the Contact section below. You are also entitled to lodge a complaint with the UK Information Commissioner’s Office using any of the below contact methods:
Telephone: 0303 123 11113
Post: Information Commissioner’s Office
If you live or work outside of the UK or you have a complaint concerning our activities outside of the UK, you may prefer to lodge a complaint with a different supervisory authority. A list of relevant authorities in the EEA can be accessed here.
If you have any questions about how we collect, store or use your information, please contact us at email@example.com.
What are cookies?
Cookies set by us are called “first party cookies”. Cookies set by parties other than us are called “third party cookies”. Third party cookies enable third party features or functionality to be provided on or through the website (e.g. advertising, interactive content and analytics). The parties that set these third party cookies can recognize your computer both when it visits the website in question and also when it visits certain other websites.
We use first party and third party cookies for several reasons. Some cookies are required for technical reasons in order for our site to operate, and we refer to these as “essential” or “strictly necessary” cookies. Other cookies also enable us to track and target the interests of our users to enhance the user experience on our site. Third parties serve cookies through our site for advertising, analytics and other purposes. This is described in more detail below.
The specific types of first and third party cookies served through our site and the purposes they perform are described below:
- “Strictly necessary” cookies, which have to be set to allow us to deliver the site to you and to provide specific services that you request from us. The services offered by this site that require cookies to function include: account log-in (if and when available) and comments/blog features.
- “Performance” or “Analytics” cookies, which help us to collect information about how visitors use our site and helps us with site analysis and improvements. Performance or analytics cookies will remain on your computer after you close your browser.
- “Functionality” cookies, which allow our site to remember your choices or preferences, such as information on online forms. These cookies allow us to offer you a personalized experience while using the site. They are not used to track your browsing activity on other websites.
- “Targeting” cookies, which are used to deliver advertising more relevant to you and your interests. They are also used to limit the number of times you see an advertisement as well as help measure the effectiveness of advertising campaigns. They are usually placed by advertising networks with our permission. They remember that you have visited a website and this information is shared with other organizations such as advertisers. Quite often targeting or advertising cookies will be linked to site functionality provided by the other organization. So, basically, these cookies collect information about your browsing habits in order to make advertising relevant to you and your interests.
What about other tracking technologies, like web beacons?
Cookies are not the only way to recognize or track visitors to a website. We may use other, similar technologies from time to time, like web beacons (sometimes called “tracking pixels” or “clear gifs”). These are tiny graphics files that contain a unique identifier that enable us to recognize when someone has visited our site or opened an e-mail that we have sent them. This allows us, for example, to monitor the traffic patterns of users within our site, to deliver or communicate with cookies, to understand whether you have come to our site from an online advertisement displayed on a third-party website, to improve site performance, and to measure the success of e-mail marketing campaigns. In many instances, these technologies are reliant on cookies to function properly, and so declining cookies will impair their functioning.
How can you control cookies?
You have the right to decide whether to accept or reject cookies. You can prevent the setting of cookies by adjusting the settings on your browser (see your browser Help for how to do this). Be aware that disabling cookies will affect the functionality of this and many other websites that you visit. Disabling cookies will usually result in also disabling certain functionality and features of our site. Therefore it is recommended that you do not disable cookies.
You can learn how to manage cookies on your web browser by following the Browser Cookies Guide.
What Cookies do we use on our site?
Where can I get further information?
Used to detect and store the language settings of browsers.
Stripe is used to making credit card payments. Stripe_mid is used to remember who you are and to enable the website to process payments without storing any credit card information on its own servers.
The purpose of G_Authuser_H is to authenticate users, prevent fraudulent use of login credentials, protect user data from unauthorized parties, as well as remember your preferences and other information, such as your preferred language.
Sf-id is a session cookie to record encrypted authentication information for the duration of a specific session.
The cookie does not store other confidential user and session information, but instead implements more advanced security methods based on dynamic data and encoded session IDs.
G_ENABLED_IDPS remembers that you have visited a website and helps to improve the content you see. It also enables sharing content via social networks.