Privacy

How your personal information is used by Clockwork Finance Limited

Last updated June 2009

1.  INTRODUCTION

• Clockwork Finance Limited (“us” or “we”) includes Neo Tempus Limited, Credit Confusion Limited and/or any holding company, affiliate or subsidiary from time to time within the group of which Clockwork Finance Limited is a member or their associated companies.
• Please read this Privacy Policy to understand how we use and protect the information that you provide us through www.moneyvillage.com (the “Website”).
• By accessing any part of the Website or providing any information to us you consent to the use and transfer of your information on the terms set out in this Privacy Policy.
• We reserve the right to revise or supplement this Privacy Policy from time to time at our sole discretion and you agree to revisit this page regularly to ensure that you are familiar with the most current version. By continuing to access or use the Website you will be agreeing to any such changes.
• If you are a customer of a Clockwork Finance Limited company, details of the information we collect and how we use it will also be set out in the terms and conditions of the product or service which you hold. In the event of any conflict between this Privacy Policy and the terms and conditions of your specific product or service, the terms and conditions of your specific product or service will take precedence.

2.    INFORMATION WE COLLECT FROM YOU

In general you can visit this Website without telling us who you are or revealing any information about yourself. However, there may be parts of this Website where we may need to collect personal information from you and by submitting your personal information you are consenting to it being used as set out in this Privacy Policy.

3.    USE OF INFORMATION COLLECTED

• Domain name information that we will collect is not used to personally identify you and instead is aggregated to measure the number of visits, average time spent on the Website, pages viewed etc… We use this information to measure the use of our Website and to improve its contents.
• When other personal information, such as your name and email address is collected from you (e.g. through online forms or via email etc…) we generally let you know at the time of collection how we will use that personal information. We may also use the personal information you provide or which we collect via this Website for the purposes of:
  • providing you with services which you have requested and notifying you about important changes or developments to these services;
  • updating our records about you;
  • crime detection, prevention and prosecution;
  • responding to your inquiries or complaints or to process your requests in relation to your information;
  • administering offers, competitions or other promotions;
  • evaluating the effectiveness of our marketing and for research, training, statistical analysis with the aim of improving our services; and
  • making the Website easier for you to use and providing you with access to certain parts of the Website.
• Clockwork Finance Limited  companies will treat your information as confidential but may share it with each other and disclose it outside the Clockwork Finance group of companies if:
  • you consent;
  • it is needed by our agents, advisors and others involved in running accounts and services for you or collecting what you owe Clockwork Finance Limited group companies;
  • HM Revenue & Customs or other authorities require it;
  • the law or public interest permits it;
  • required by us or others to investigate or prevent crime;
  • we need to provide it to a third party in anticipation of or following a sale or merger of the whole or any part of the Clockwork Finance Limited group of companies or in the course of a joint venture.
• All countries in the European Economic Area (including the United Kingdom) have similar standards of legal protection for your information. The Clockwork Finance Limited companies may provide services from centres outside the European Economic Area (such as the USA and India) that do not have the same standard of data protection laws as in the UK. If we do provide services from outside the European Economic Area we will always have a contract in place to ensure that your data is protected at least to UK standards and we will remain bound by our obligations under the Data Protection Act 1998.
• We may monitor, record, store and use any telephone, email or other communications we have with you for training purposes, so that we can check any instructions given to us, for crime prevention and to improve the quality of our customer service.
• By using the Website you consent to us using your personal information for the purposes described above.

4. USE OF COOKIES

• Cookies are small amounts of information that are stored on your computer to enable our server to collect certain information from your web browser. Cookies in themselves do not identify the individual, just the computer used. Cookies and similar technology make it easier for you to log on to and to use the Website during future visits.
• Cookies may be used on this Website by us and third parties to:
  • monitor and manage Website traffic
  • to identify you when you visit the Website and to personalise the content of the Website for you;
  • temporarily to store details, input into calculators and other tools on the Website.
• Cookies themselves only record which areas of the Website have been visited by the computer in question, and for how long. Allowing us or a third party to create a cookie does not give us access to your computer and we only use cookies to track your online activity once you leave the Website. Cookies are read only by the server that placed them, and are unable to execute any code or virus.
• With most internet browsers, you can erase cookies from your computer hard drive, block all cookies or receive a warning notice before a cookie is stored. Please note that switching off or opting out of cookies will mean that you may not be able to use some features of the Website.

5. PROTECTING YOUR PRIVACY

• The Internet is a global environment and using the Internet to collect and process personal information necessarily involves the transmission of data on an international basis. By browsing this Website you acknowledge and agree to our processing of personal information in this way. We accept no responsibility or liability for the security of personal information transmitted via the Internet.
• Our Website may contain links and banner advertisements to other websites which are outside of our control and not covered by this Privacy Policy (“third party websites”). If you access any third party websites using the links provided, the operators of these third party websites may collect information from you which will be used by them in accordance with their privacy policies, which may differ from ours. We do not accept responsibility for any such third party websites, including without limitation for their accuracy, security, the products or services which they offer or for any information which is collected through them. You are responsible for reviewing and abiding by the privacy policies and website terms and conditions of any such third party websites.