Privacy Policy Part 4

 Use of information we collect through automated systems when you visit our
website 

15. Cookies 

Cookies are small text files that are placed on your
computer's hard drive by your web browser when you visit any website. They
allow information gathered on one web page to be stored until it is needed for
use on another, allowing a website to provide you with a personalised
experience and the website owner with statistics about how you use the website
so that it can be improved. 

Some cookies may last for a defined period of time,
such as one day or until you close your browser. Others last indefinitely. 

Your web browser should allow you to delete any you
choose. It also should allow you to prevent or limit their use. 

Our website uses cookies. They are placed by
software that operates on our servers, and by software operated by third
parties whose services we use. 

When you first visit our website, we ask you whether you
wish us to use cookies. If you choose not to accept them, we shall not use them
for your visit except to record that you have not consented to their use for
any other purpose. 

If you choose not to use cookies or you prevent their use
through your browser settings, you will not be able to use all the
functionality of our website. 

We use cookies in the following ways: 

· to track how you use our website 

· to record whether you have seen specific
messages we display on our website 

· to keep you signed in our site 

· to record your answers to surveys and
questionnaires on our site while you complete them 

· to record the conversation thread during a live
chat with our support team 

[Personal identifiers from your
browsing activity 

Requests by your web browser to our servers for web
pages and other content on our website are recorded. 

We record information such as your geographical
location, your Internet service provider and your IP address. We also record
information about the software you are using to browse our website, such as the
type of computer or device and the screen resolution. 

We use this information in aggregate to assess the
popularity of the webpages on our website and how we perform in providing
content to you. 

If combined with other information we know about you
from previous visits, the data possibly could be used to identify you
personally, even if you are not signed in to our website.  

16. Our use of re-marketing 

Re-marketing involves placing a cookie on your
computer when you browse our website in order to be able to serve to you an
advert for our products or services when you visit some other website. 

We may use a third party to provide us with
re-marketing services from time to time. If so, then if you have consented to
our use of cookies, you may see advertisements for our products and services on
other websites. 

Disclosure and sharing of your information 

17. Information we obtain from third
parties 

Although we do not disclose your personal
information to any third party (except as set out in this notice), we sometimes
receive data that is indirectly made up from your personal information from
third parties whose services we use. 

No such information is personally identifiable to you. 

18. Third party advertising on our website 

19. Credit reference 

To assist in combating fraud, we share information
with credit reference agencies, so far as it relates to clients or customers
who instruct their credit card issuer to cancel payment to us without having
first provided an acceptable reason to us and given us the opportunity to
refund their money. 

20. Data may be processed outside the
European Union 

Our websites are hosted in United
Kingdom 

We may also use outsourced services in countries
outside the European Union from time to time in other aspects of our business. 

Accordingly data obtained within the UK or any other
country could be processed outside the European Union. 

For example, some of the software our website uses may have
been developed in the United States of America or in Australia. 

We use the following safeguards with respect to data
transferred outside the European Union: 

· the processor is within
the same corporate group as our business or organisation and abides by the same
binding corporate rules regarding data processing. 

· both our organisation
and the processor are public authorities between whom there is either a legally
binding agreement or administrative arrangements approved by a supervisory
authority in the European Union relating to protection of your information. 

Control over your own information 

21. Your duty to inform us of changes 

It is important that the personal data we hold about
you is accurate and current. Please keep us informed if your personal data
changes.