Privacy Policy

This privacy policy applies as between you, the user, and Kledia limited, the owner and provider of this website and applies to our use of any and all data collected by us in relation to your use of any services or systems therein.

Kledia limited is committed to protecting your privacy and may amend this policy from time to time by updating this page.  You should, therefore, review this page occasionally to make sure that you agree with any changes that have been made.

1.         Data Collected

Without limitation we may collect any of the following data:
1.1     name;
1.2     date of birth;
1.3     gender;
1.4     job title;
1.5     profession;
1.6     contact information such as email addresses and telephone numbers;
1.7     demographic information such as postcode, preferences and interests;
1.8     financial information such as credit and debit card numbers;
1.9     IP address (automatically collected);
1.10   web browser type and version (automatically collected);
1.11   operating system (automatically collected);
1.12   a list of URLs starting with a referring site, your activity on this website, and the site that you exit to (automatically collected); and
1.13   Cookie information (see separate clause below).

2.         Our Use of Data

2.1     Any personal data you submit will be retained by Kledia limited for as long as you use the services and systems provided on this website.
2.2     Unless we are obliged or permitted by law to do so and subject to clause 3 your data will not be disclosed to third parties.
2.3     We are committed to ensuring that your data is secure and all personal data is stored securely in accordance with the principles of the Data
          Protection Act 1998. In order to prevent unauthorised access or disclosure, we have put in place suitable procedures to safeguard the information
          that we collect from you. You should note, however, that the transfer of information over the internet can never be completely secure and we cannot
          guarantee the security of the same, only that we will take all reasonable action to protect the information that you send to us.
2.4     Any or all of the data referred to in clause 1 may be required by us from time to time in order to understand your needs and provide you with the
          best possible service and experience when using this website; In particular, data may be used by us for the following reasons:
          2.4.1     internal record keeping;
          2.4.2     improvement of our products and services;
          2.4.3     transmission by email of promotional materials that may be of interest to you, including but not limited to newsletters;
          2.4.4     contact for market research purposes which may be done by email, telephone, fax or mail and such information may be used to customise
          or update the website.

3.         Third Party Websites and Services

3.1     Kledia limited may, from time to time employ the services of other parties for dealing with matters that may include, but are not limited to,
          payment handling, delivery of purchased items, search engine facilities, advertising, marketing, hosting services, web design and development.
          The providers of such services may have access to certain personal data provided by users of this website.
3.2     The third parties referred to in Clause 3.1 may be located outside of the European Economic Area (EEA). By providing us with your data you are
          agreeing to the processing and storage of your information outside the EEA

4.         Changes of Business

Kledia limited may, from time to time, expand or reduce it’s business and this may involve the sale or transfer of control of certain divisions to other parties. Selling any or all of our business to a third party may result in the transfer of information you have provided to us to the new owner who will, under the terms of this policy, be permitted to use the data for the purposes for which it was supplied by you.

5.         Controlling Access to your Data

Wherever you are required to submit data, you will be given options to restrict our use of that data. This may include use of data for marketing purposes and sharing data with third parties.

6.         Your Right to Withhold Information

You may access certain areas of myfinancetutor without providing any data at all, however, to use all services and systems available on myfinancetutor you may be required to submit account information or other data.

7.         Our Use of Cookies

7.1     We may set and access first party cookies on your computer. The cookies that may be placed on your computer are detailed in Schedule 1 to
          this policy. These cookies are integral to the services provided by myfinancetutor to you.
7.2     By default your browser will accept these cookies, however, you can choose to disable these cookies by changing the settings of your web
          browser and the help section of your browser will explain how to do this. Overall cookies enable us to provide you with a better service and
          disabling cookies may prevent you from using the full range of services available on myfinancetutor.
7.3     You may also delete any cookies that we use, however, by doing so you may lose any information that enables you to use myfinancetutor more
          efficiently.
7.4     We also use third party cookies as detailed in Schedule 2 to this policy for the purposes described therein. These cookies are not integral to the
          services provided by this website to you and may be blocked as you choose via your internet browser. You should consult the help section of your
          browser for information about how to do this.

8.         Links to Other Websites

This website may contain links to third party sites. We do not accept any responsibility for third party sites over which we have no control. Using these links will result in you leaving our site, at which point you should take care to review the policies of the third party site before providing any information as those sites are not covered by this policy.

9.         Accessing Your Own Data

You may access your account at any time to view or amend the data you have provided, including updating or amending your marketing preferences.  You have the right to ask for a copy of your personal data on payment of a fee.

10.        Changes to this Policy

We reserve the right to change this policy as we may deem necessary from time to time or as may be required by the law. Any changes will be immediately posted on the website and you are deemed to have accepted the terms of any revised policy on your first use of the website following the alterations.

Schedule 2 - Third Party Cookies

Kledia limitd; Three Pacific Place; Level 3; 1 Queens Road East
18 May 2012