Policies

Insurance 4U is a trading name of Insurance 4U Services Limited Reg no:11314449, Registered in England & Wales.

Privacy Notice

Important notice

We are a data controller, and our data protection officer is Lee Stratford

We act as your agent and will collect data, including personal information and risk details, solely to enable us to obtain and provide insurance quotations, arrange and administer your insurance. Under the General Data Protection Regulation (GDPR), the lawful bases we rely on for processing this information are contractual obligation, and for our legitimate business interests as an insurance broker. We will be unable to offer any quotation or insurance if you refuse to provide certain personal data, including health, financial and criminal records data which is collected under the lawful basis of public interest, where these would affect the provision of cover and/or performance of insurance contracts.

For the purposes specified within this privacy statement, we collect and process the following information:

Personal identifiers, contacts and characteristics (for example, name and contact details)
Health, financial and criminal records
Bank Details

We regard the lawful and correct handling of personal information by the firm as an essential element in achieving fair treatment of customers and to maintaining confidence between those with whom we deal and ourselves. We therefore need to ensure that our organisation treats personal information lawfully and correctly. To this end, we fully endorse and adhere to the Principles of data protection, as set out in the Data Protection Act and General Data Protection Regulations.

In this respect, personal information:

shall be processed fairly and lawfully and, in particular, shall be processed only in accordance with our stated privacy policy;
shall be obtained only for one or more specified and lawful purposes, and shall not be further processed in any manner incompatible with that purpose or those purposes;
shall be adequate, relevant and not excessive in relation to the purpose or purposes for which they are processed;
shall be accurate and, where necessary, kept up to date;
shall not be kept for longer than is necessary for the specified purpose(s);
shall be processed in accordance with the rights of data subjects under the Act;
should be subject to appropriate technical and organisational measures to prevent the unauthorised or unlawful processing of personal data, or the accidental loss, destruction, or damage to personal data;
shall not be transferred to a country or territory outside the UK unless that country or territory ensures an adequate level of protection for the rights and freedoms of data subjects in relation to the processing of personal data.

Therefore, the firm will, through appropriate management and strict application of criteria and controls:

observe fully conditions regarding the fair collection and use of information;
meet its legal obligations to specify the purposes for which information is used in the disclosure documentation provided to customers, obtaining consent for any marketing activities that we intend to provide;
collect and process appropriate information only to the extent that it is needed to fulfil our operational needs or to comply with any legal requirements;
ensure the quality of information used, regularly checking its accuracy;
ensure that the information is held for no longer than is necessary for the purpose for which the data was originally collected, subject to our legal and regulatory obligations and legitimate business interest to protect and defend the company from litigation;
ensure that the rights of people about whom information is held can be fully exercised under the Act (i.e. the right to be informed that processing is being undertaken, to access one’s personal information; to prevent processing in certain circumstances, and to correct, rectify, block or erase information that is regarded as wrong information);
take appropriate technical and organisational security measures to safeguard personal information;
ensure that personal information is not transferred abroad without suitable safeguards.
To assist in achieving compliance with the Principles for Business of the Financial Conduct Authority:
appoint an Information Security/Data Protection Officer (as stated on the first page of this document) at a senior level with specific responsibility for data protection and information security assets within the firm who will be responsible for providing staff with guidance on data protection procedures.

Your information will be held securely by us and shared with insurers, which could include reputable providers outside the EU, to enable them to provide accurate terms and they will also obtain data about you and your insurance history from various insurance anti-fraud databases, such as the Claims and Underwriting Exchange (CUE) as well as publicly available websites and credit referencing agencies.

We will not give anyone else any personal information except on your instructions or authority, or where we are required to do so by law, or our regulatory requirements. Information about you and your insurances will be securely stored on our secure servers while you are a client and for a minimum of three years, and in certain circumstances up to six years, after expiry of your policies. We will then dispose your information by deleting or anonymising your data.

Under the Data Protection Act, the rights of data subjects include the following:

Data Subject Right to Rectification

If a data subject contacts the firm advising that the information held about them is inaccurate or incomplete, the firm must refrain from processing (ie. using, but not storing) the data, until it has been verified or rectified. The business encourages customers to check and correct data as disclosure is an essential element in ensuring any policy provided by the company will protect the customer.

Full notes of any allegedly incorrect information will be kept on the customer record and, although there is a 30 day period in which to rectify information once notified under the DPA, in practice this must be carried out as soon as possible and confirmed to the customer in writing (email or letter) along with the impact on their insurance of any such change.

Data Subject Right to Erasure (Right to be Forgotten)

The right to erasure is extremely limited where the data subject is a customer of the business due to the legal obligation on the firm to retain customer data for a minimum period of 3 years under FSMA and the firm’s legitimate business purposes for retention to 6 years from lapsing. Once the firm has no lawful basis for holding data it must be deleted and our policy below indicates the relevant periods for which we will hold data.

Data subjects do, however, have the right to erasure where data is being held on the basis of consent (such as previous quotations or for marketing purposes) or their data has been processed unlawfully (such as where data has been obtained/ purchased from a third party that did not have the right to pass on that data)

Any request for erasure will be passed to the company’s data protection officer for review and appropriate action.

Data Subject Right to Restrict Processing

Individuals have the right to request that we restrict the processing (but NOT holding) of their personal data where:

they allege inaccuracy of the data being processed (see right of rectification, above);
data is being unlawfully processed;
the individual has raised a formal objection to our processing of data (see Right to Object, below);
or where the individual requests you refrain from deleting their data in order to establish or defend a legal claim (NB. In these circumstances the relevant data must be stored in a location and manner which prohibits processing of data)

Any request for restriction of processing must be noted on the file and passed to the company’s data protection officer for review and appropriate action.

Data Subject Right to Object to Processing

Again, this is a limited right which only applies in specific circumstances. Primarily in the case of Insurance Intermediaries it will be a specific right to opt-out of marketing communications.

Where a customer opts not to receive marketing communications, or, as a consumer, has not opted-in this will be noted on the client record and details will be removed from any marketing lists (Zywave, Brief Your Market etc). (Confirmation should be sent to the marketing manager or data protection officer).

In other cases of objection, where the firm has a lawful basis for continued processing, this will be referred to the data protection officer to evaluate whether the firm’s legitimate grounds should override the data subject’s objection.

Data Subject Right to Portability of Data

The right to data portability gives individuals the right to receive personal data they have provided to us in a structured, commonly used and machine-readable format. It also gives them the right to request that we transmit this data directly to another controller, however it is important to understand that the right to data portability only applies to personal data.

The right applies where the lawful basis for processing is consent or for the performance of a contract, the latter of which would apply to most of our data for individuals.

Any request for data portability will be noted on the file and passed to the company’s data protection officer for review and appropriate action.

You are NOT required to pay any charge for exercising your rights. If you make a request, we have one month to respond to you.

Please write to our data protection officer at Insurance 4 U Services Limited or call 01902 829190 if you wish to exercise your rights or have a complaint about our use of your data.

Terms of Business Agreement

This document details our services and our arrangements for dealing with Your insurance. Please read it carefully and retain a copy for Your records. The English language will be used for all communications, the contractual terms and conditions, and any information we are required to supply to You, before and during the duration of the contract and this agreement shall be subject to English Law. We have designated you as a Consumer, which means your insurance requirements are NOT related to a trade or business.

The Financial Conduct Authority is the independent watchdog that regulates financial services. Insurance 4u Services Limited is authorised and regulated by the Financial Conduct Authority. Our Financial Services Register number is 830723. You can check our status at https://register.fca.org.uk or by contacting the FCA on 0800 111 6768. Our permitted business includes arranging, dealing in and assisting with the placing & administration of General Insurance policies.

1. How we treat the information you give to us

We are a data controller and our data protection officer is Lee Stratford.

We act as Your agent and will collect data, including personal information and risk details, solely to enable us to obtain and provide insurance quotations, arrange and administer Your insurance. Data collected by us is contractual, and for Our legitimate business interests as an insurance broker and We will be unable to offer any quotation or insurance if You refuse to provide certain personal data, including health, financial and criminal records data which is collected under the lawful basis of public interest, where these would affect the provision of cover and/or performance of insurance contracts.

We will not give anyone else any personal information except on Your instructions or authority, or where We are required to do so by law, or by virtue of Our regulatory requirements. Information about You and Your insurances will be held while You are a client and for a minimum of three years, and in certain circumstances up to six years, after expiry of Your policies. Under the Data Protection Act data subjects have the right to see, and correct, personal information about them that We hold. Please write to our data protection officer at our usual office address if You wish to exercise Your rights or have a complaint about our use of Your data.

2. Our Service To You And The Products We Offer

We are an independent insurance intermediary, who acts on our customers’ behalf in arranging insurance. Our services include: assessing Your insurance needs and Personally Recommending policies suitable for You; arranging Your insurance cover with insurers to meet Your requirements; and helping You with any ongoing changes You have to make. We usually offer advice from a range of insurers, representing a fair analysis of the market, however, under certain circumstances we may only deal with a limited panel, or single insurer and we will notify You of the insurers considered when this applies.

We will advise and make a personal recommendation for You after we have assessed Your demands and needs. Our advice may be confirmed in a demands & needs statement, giving reasons for our recommendation.

Information on Payment Options and How we will treat Payments You make to us

We normally accept payment by cash, bank transfer or credit/debit cards. You may be able to spread Your payments through insurers’ instalment schemes or a credit scheme, which we have arranged with an established insurance premium finance provider. Rates and acceptance may be subject to a full credit check. We will give You full information about Your payment options and the appropriate finance agreement when we discuss your insurance in detail.

Under the terms of our agreements with the Insurance companies with whom we place business, we receive premiums You pay to us as Agent of the Insurer. We do not pay any interest on premiums held by us in the course of arranging and administering Your insurance.

3. Our Fees and Charges For Providing Our Services To You

We usually receive a commission from the insurer, which is taken from the amount You pay us, Where you pay on credit we will also receive commission from the premium finance provider. Insurer commission could typically be up to 25% and we also make the following charges to cover the administration of Your insurance:

Arranging new policies £ 75.00

Mid-term adjustments £ 75.00

Renewals £ 75.00

Replacement/duplicate certificates or cover notes £ 25.00

Mid-term cancellations and other refunds are paid NET of commission and in addition we charge an administration fee of £50.00

Personal lines/Retail policies cancelled during the ‘Right to Cancel’ period will be subject to an administration charge of £50.00, in addition to the premium charged by the insurer for the period of cover provided. If we arrange a policy on which we earn no commission we will advise You of the arrangement fee before You take the policy out. We may also make additional charges specific to the arrangement & servicing of certain short term policies (ie less than 12 months), but these will always be advised to you in advance.

4. How You Can Complain To Us

Our aim is to provide a first class service, however, if You wish to register a complaint, please contact Us by writing to Daniel Griffiths, Insurance 4U Services Limited, 92 Cannock Road, Wolverhampton, WV10 8PW, or, by phone on 01902 829190, by email at admin@carinsurance4u.co.uk. If You cannot settle Your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service, for an independent assessment. The FOS Consumer Helpline is on 0800 023 4567 and their address is: Financial Ombudsman Service, Exchange Tower, London E14 9SR Their website is at: http://www.financial-ombudsman.org.uk/

The Financial Services Compensation Scheme (FSCS) We are covered by the Financial Services Compensation Scheme (FSCS). Insurance advising and arranging is covered for 90% of the claim, without an upper limit. For compulsory insurances (eg., motor insurance and employers’ liability insurance), insurance advising and arranging is covered for 100% of the claim, without an upper limit. Further information about compensation scheme arrangements is available from the FSCS.

5. Premium Finance Facilities And Service

We are a credit broker, not a lender. When quoting, our systems will undertake a ‘soft’ check on your credit file, to verify your details, however this will not show on your credit file for other companies and will not affect your credit rating. We may use insurance and finance providers who will conduct a full credit check and share Your payment record with other lenders, all of which will be recorded on Your credit record. Please advise us if You do NOT consent to a full credit check being undertaken and you require premium finance, however this may affect our ability to offer instalment facilities to You. In relation to the provision of credit, we offer only the facilities provided by third party firms BNP Paribas & Close Brothers Premium Finance from whom we may receive a commission. Where a choice of providers is available, which could include instalment facilities provided by your insurer, we will explain the reason for our selection on any credit product offered.

Please Note: Your policy cover will cease if You fail to keep up payments on an instalment agreement or premium finance facility related to it and Your credit rating may be affected. In entering into a credit agreement to pay Your insurance premium, You give the finance provider the legal Right to cancel Your insurance policy on Your behalf in the event that You default on the loan, and offset any refunded premium against the outstanding amount owed to them. This means that if You default on Your payment terms and the finance provider requests that we cancel Your policy, we will do so as Your agent.

6. Your Responsibility To Provide Information

You must take reasonable care to answer all questions honestly and to the best of Your knowledge, and if You volunteer any other information, You must ensure that the information is not misleading.

If any information that You have provided to us changes before You take out Your insurance, during the life of the policy or at renewal, You must inform us of the change. If You deliberately, recklessly or carelessly misrepresent any information in relation to this insurance then Your policy may be cancelled without refund, or treated as if it never existed, or Your claim rejected or not fully paid.

Reporting Claims: As part of our service, we will assist You with any claim You need to make and tell You what Your responsibilities are in relation to making claims. All incidents which could lead to a claim must be reported as soon as practicable. Your insurer’s claims contact number is shown in Your policy.

For Motor / Home Insurance we operate an outsourced claims management service via iRev Motor Claims & Aspray Property Claims, who will assist You with Your claim and recovery of uninsured losses where this is possible. ALL such claims should be reported using the contact number iRev Claims 0800 029 1178, Aspray Property Claims 0800 077 6705.

7. Your Right To Cancel

You have a legal right to cancel Your policy or credit agreement for any reason, subject to no claims having occurred, within 14 days of receiving the full terms & conditions. You will always be advised where this Right applies. A charge will apply for the period of cover provided and, in addition, we make an administration charge as detailed above. If You cancel a credit agreement You will need to repay any sums provided in full. If You cancel after the 14 days has elapsed, short-period cancellation rates apply. If You wish to cancel a policy You must advise us in writing, prior to expiry of the 14-day cancellation period, to our usual office address.

Commercial Terms of Business Agreement

This document details our services and our arrangements for dealing with Your insurance. Please read it carefully and retain a copy for Your records.

The English language will be used for all communications, the contractual terms and conditions, and any information we are required to supply to You, before and during the duration of the contract and this agreement shall be subject to English Law.

Issue of this Terms of Business Agreement indicates that we have designated you as a Commercial Customer ie. that your insurance requirements are in relation to a business enterprise.

This document details our services and our arrangements for dealing with Your insurance. Please read it carefully and retain a copy for Your records.

Issue of this Terms of Business Agreement indicates that we have designated you as a Commercial Customer ie. that your insurance requirements are in relation to a business enterprise.

1. How we treat the information you give to us

We are a data controller and our data protection officer is Lee Stratford

Your information will be held securely by us and shared with insurers, and anyone else involved in the normal course of arranging and administering Your insurance which could include reputable providers outside the EU, to enable them to provide accurate terms and we/they will also obtain data about You and Your insurance history from various insurance anti-fraud databases, such as the Claims and Underwriting Exchange (CUE) as well as publicly available websites and ‘soft checks’ with credit referencing agencies, which will not affect your credit rating.
We will not give anyone else any personal information except on Your instructions or authority, or where We are required to do so by law, or by virtue of Our regulatory requirements. Information about You and Your insurances will be held while You are a client and for a minimum of three years, and in certain circumstances up to six years, after expiry of Your policies. Under the Data Protection Act data subjects have the right to see, and correct, personal information about them that We hold. Please write to our data protection officer at our usual office address if You wish to exercise Your rights or have a complaint about our use of Your data.

2. Payment Options and How We treat payments You make to Us

3. Our Fees and Charges for providing Our Services to You

We usually receive a commission from the insurer which is taken from the amount You pay us, Where you pay on credit we will also receive commission from the premium finance provider and, in addition, we also make the following charges to cover the administration of Your insurance:

Arranging new policies £ 150.00

Mid term adjustments £ 75.00

Renewals £ 150.00

Replacement/duplicate documents, certificates or cover notes £ 25.00

Mid-term cancellations and other refunds are paid NET of commission and in addition we charge an administration fee of £ 50.00

If we arrange a policy on which we earn no commission we will advise You of the arrangement fee before You take the policy out. We may also make additional charges specific to the arrangement & servicing of certain policies, but these will always be advised to You in advance. Prior to the conclusion of each insurance contract, or upon renewal, We will remind You of Your right to be advised of the level of commission which We receive from underwriters. You are entitled, at any time, to request information regarding any commission which We may have received as a result of placing Your insurance business. Where we may receive additional remuneration based on the volume or profitability of our account with an insurer we will advise You of this.

4. How You Can Complain To Us

5. Premium Finance Facilities and Service

We are a credit broker, not a lender. We may use insurance and finance providers who will conduct a full credit check and share Your payment record with other lenders, all of which will be recorded on Your credit record. Please advise us if You do NOT consent to a full credit check being undertaken and you require premium finance, however this may affect our ability to offer instalment facilities to You.

In relation to the provision of credit, we offer only the facilities provided by third party firms BNP Paribas & Close Brothers Premium Finance whom we may receive a commission. Where a choice of providers is available, which could include instalment facilities provided by your insurer, we will explain the reason for our selection on any credit product offered

6. Sums Insured and Claims Notification

Sums Insured and Indemnity Limits

You will be responsible for ensuring that all sums insured and indemnity limits are adequate for the cover requested. We will advise You of the basis of calculation for sums insured and will, on request, give You details of external experts, such as surveyors and valuers, which You may wish to consult. The following information on calculating business interruption sums insured is given for guidance, but You should always seek specific advice from us if You are in any doubt as to what should be included.

Average

In the event of under-insurance, Insurers may reduce the amount of any claim settlement in the same proportion as the sum insured bears to the total value of the insured items.

7. Information on Business Interruption/ Loss of Profits Insurance

Several types of cover exist for Business Interruption cover, which is sometimes referred to as Loss of Profits insurance;

Gross Profit basis (usual for manufacturers, retailers etc); Gross Revenue basis (normally for consultants, professions); and Increased cost of working (ICW) basis, for businesses that believe there would be no loss of profit or revenue in the event of a claim, but would need to cover increased trading costs until the claim is settled.

NB ‘Accounting Gross Profit’ and ‘Insurance Gross Profit’ are not the same thing.

Where Your policy includes this cover, the Sum Insured for ‘Gross Profit’ should

normally be calculated using the following method:

Annual turnover plus year-end stock and work in progress; less opening stock (and work in progress) and purchases, bad debts and uninsured variable expenses (such as the purchase of raw materials or shipping costs)

Gross Revenue insures the total turnover without deductions and Increased Cost of Working is based on projected additional costs of temporary relocation and other forecast additional costs.

Business interruption sums insured should then be adjusted to take into account the indemnity period (eg. doubled for 2 years indemnity period)

8. Our Service and Obligations to You

We will conduct a fact-find to evaluate Your insurance needs with the member of Your business that You choose to nominate as Your Insurance Contact (as stated in the Declaration below), who will be responsible for ensuring that Your disclosure obligations to insurers are met.

Please contact Us immediately if You wish to change the person in Your business nominated as Your Insurance Contact.

We will act as Your agent in sourcing a policy to meet Your demands and needs and presenting the information provided by Your nominated Insurance Contact in a manner which is clear and accessible to insurers. Where We operate under delegated authority from insurers We will act as their agent in certain circumstances and We will always advise You where this is the case.

We will advise and make a personal recommendation for You after We have assessed Your demands and needs. Our advice will be confirmed in a demands & needs and suitability statement, giving the reasons for Our recommendation. We typically offer advice from a limited panel of selected insurers, or from a single insurer and we will advise You of the identity of the insurers considered, or if we have given advice based on a fair analysis of the market. We do not accept responsibility for the solvency of any insurer recommended.

We may use another, specialist, intermediary to access the insurance product that most suits Your needs and We will inform You where this is the case.

Cancellation of this Agreement

This agreement will remain in force unless cancelled by either party in accordance with the terms below or You have no insurance business placed through Us. You may cancel the agreement at any time, subject to notification in writing to our usual office address. In the event of cancellation, We shall be entitled to retain any commissions and fees earned prior to the date of cessation of the agreement in full. We have the right to cancel this agreement subject to one month notice in writing to Your last notified address

Our Website

Insurance 4U is committed to protecting your privacy. We value our visitors and endeavour to create an enjoyable and safe shopping experience when visiting our website.

This privacy policy sets out how we use and protect any information that you give when you use this website. We are committed to ensuring that your privacy is protected. Should we ask you to provide certain information by which you can be identified when using this website, then you can be assured that it will only be used in accordance with this privacy statement. We may change this policy from time to time by updating this page.

Information collected by our website
Controlling your personal information
Website Security
An Introduction to cookies
Your consent for cookie deployment by our website.
Cookies used by our website
Actual cookies deployed
How to disable cookies

Information collected by our website

What we collect For the purpose of making an enquiring or placing an order, our website may collect the following information. Your name and appropriate contact information including email address, address, preferences and interests. Other information relevant to customer surveys and/or offers may also be requested.
What we do with the information collected We require this information to understand your needs and provide you with more information for the product(s)/service(s) you have requested. Your information may also be stored in a CRM system for Internal record keeping. We may use the information to improve our products and services. We may periodically send promotional emails about new products, special offers or other information which we think you may find interesting using the email address which you have provided. From time to time, we may also use your information to contact you for market research purposes. We may contact you by email, phone, fax or mail. We may use the information to customise the website according to your interests.

Controlling your personal information

You may choose to restrict the collection or use of your personal information in the following ways:

Whenever you are asked to fill in a form on the website, look for the box that you can click to indicate that you do not want the information to be used by anybody for direct marketing purposes.
If you have previously agreed to us using your personal information for direct marketing purposes, you may change your mind at any time by writing to or emailing us.

We will not sell, distribute or lease your personal information to third parties unless we have your permission or are required by law to do so. We may use your personal information to send you promotional information about third parties which we think you may find interesting if you tell us that you wish this to happen. You may request details of personal information which we hold about you under the Data Protection Act 1998. A small fee may be payable. If you would like a copy of the information held on you please write to or email us.

If you believe that any information we are holding on you is incorrect or incomplete, please write to or email us as soon as possible. We will promptly correct any information found to be incorrect.

Security

Website Security We are committed to ensuring that your information is secure. In order to prevent unauthorised access or disclosure, we have put in place suitable physical, electronic and managerial procedures to safeguard and secure the information we collect online.
External Links Our website may contain links to other websites of interest. However, once you have used these links to leave our site, you should note that we do not have any control over that other website. Therefore, we cannot be responsible for the protection and privacy of any information which you provide whilst visiting such sites and such sites are not governed by this privacy statement. You should exercise caution and look at the privacy statement applicable to the website in question.

An introduction to cookies

A cookie is a small data file that is automatically placed onto your computer's hard drive. Cookie files are created by our website and placed onto your device in order to analyse and influence your preferences or behavior. Analytical cookies are designed to track your journey and experience on our website - so that we may tailor your experience and gather data. Overall, cookies help us provide you with a better website, by enabling us to monitor which pages you find useful and which you do not. A cookie in no way gives us access to your computer or any information about you, other than the data you choose to share with us. The majority of modern web browsers will automatically allow cookies to be placed onto your device. However you can usually modify your browser's settings in order to prevent any cookies from being placed onto your device. Setting your browser to block cookies may prevent you from taking full advantage of our website. Cookies deployed by our website:

Ensure that functionality operates as intended
Remember your choices and preferences during and between visits
Allow you to share pages via popular social media networks including Facebook and Twitter
Allow you to interact with our website by leaving comments or opinions
Post enquiries via online forms
Track your visit for statistical analysis, allowing us to improve the usability, speed and security of our website

Cookies are not deployed to:

Collect any personal identifiable information (without your express permission)
Collect any sensitive information (without your express permission)
Pass data to advertising networks
Pass personally identifiable data to third parties
Pay sales commissions

Your consent for cookie deployment by our website.

Upon your first visit to our website, you may have noticed our banner alerting you to the use of cookies by our website. In compliance with the 2011 EU Cookie Law, our website operates on an 'Implied Consent' basis. This means that we have assumed that you have 'opted-in' for our website to deploy cookies until you choose to deactivate them within your browser settings or via the instructions below. Below you can learn more about the specific cookies deployed by our website, and how they can be disabled. For more information on the EU Cookie Law in the UK, we recommend visiting the Information Commissioner's Office (ICO) website where you can find the latest information, guidelines and advice on the EU Cookie Law.

Cookies used by our website

Social Network Sharing We encourage users to share our content and/or like our on profile on the popular Social Media websites Facebook, Twitter, YouTube, Google+ and LinkedIn. In order to make 'Social Sharing' accessible, our website utilises widgets either provided directly from the Social Networks and/or via amalgamative widgets from third parties such as AddThis. Cookies and privacy implications from the social networks vary and will be dependent on your nominated privacy settings with each Social Network. Social Sharing buttons will only deploy cookies if you are signed to that respective Social Network at the time of being on our website.
Analytical Tracking Our website has Google Analytics installed which allows us to track and compile anonymous visitor statistics. The information collected ranges from simple traffic volume to the type of browser you are viewing our website with. This information is valuable to us not just for marketing analysis and quantification, but to improve the usability, security and load speed of our website content. Google Analytics is a popular, secure, flagship webmaster product from Google. The privacy and security of Google Analytics data is a high priority at Google that you can read more about on Google's Analytics Data Safeguarding page. Google also offer a Google Analytics Opt-out Browser Add-on that will allow you to automatically Opt-out of all websites that track your activity via Google Analytics. No personal information is collected by Google Analytics.
Cookie Consent Check Upon your first visit to our website, you will notice a subtle banner on the page alerting you to the fact that cookies are being placed onto your computer by our website. In order for our website to remember your choice of opting-in, we store a cookie which expires after the set amount of days below (see table).
Wordpress Our website, either in full or in part, is built on the popular open-source CMS framework - WordPress. WordPress utilises cookies to allow visitors to register, login and comment on our website's content. If you do not wish to participate in commenting on our website, Wordpress will not deploy any cookies onto your device. Cookies will only be created by Wordpress if you actively register or comment via the clear forms on our website.
Enquiry Forms Our website's visitors can choose to contact us via form(s) on our website. In order to prevent spam enquiries, we protect our forms with anti-spam challenges which ensure the visitor is an actual living person, rather than a computer bot or spider.

Actual cookies deployed

Below is a table of information which lists all cookies deployed and used on our website.

Cookie Category	Cookie Name	Cookie Description
Cookie Consent	complianceCookie	This cookie is set by our website once you have seen and acknowledged our Cookie banner. This cookie will expire and automatically delete itself after [30] days.
Google Analytics (Universal)	_ga, _gat	The single default cookie for Google Universal Analytics. This sole cookie used by Goole Analytics stores a unique client identifier (Client ID) which is set randomly. This cookie is set to expire after 24 months (2 years) and is refreshed each time you visit our website.
	_utmb	A Google Analytics cookie, which creates a timestamp of the exact moment when a visitor enters a site.
	_utmc	A Google Analytics cookie, which creates a timestamp of the exact moment when a visitor leaves the site.
	_utmv	Used for reporting in Google Analytics classifying the visitor.
	_utmz	A Google Analytics cookie which tracks where the visitor came from, what search engine was used, what link was clicked on, what keywords used, and where in the world the site was accessed from.
WordPress	wp-settings-{time}-[UID]	Serveral WP Settings cookies may be set if you log into the website. The number on the end is your individual user ID from the users database table. This is used to customise your view of admin interface, and possibly also the main site interface.
	wordpress_test_cookiewordpress_wordpress_logged_in	These WordPress session cookies are created if and when you log into WordPress either as an administrator or contributor to the website.
	devicePixelRatio	This cookie records your device's pixel ratio. If your screen resolution is a retina or Hi DPI screen, then the website may choose to serve you higher resolution graphics.

How to disable cookies

Most modern browsers allow you to control your cookie settings for all websites that you browse. You can disable cookie deployment completely by editing your browser settings, however in doing this you may be limiting the functionality that is displayed on our website. To learn how to disable cookies on your preferred browser we recommend reading this advice posted by Google.

If you are concerned about cookies tracking your movements on the Internet then you may be concerned about spyware. Spyware is the name given to a particular band of cookies that track personal information about you. There are many antispyware programs that you can use to prevent this from happening. Learn more about antispyware software - https://en.wikipedia.org/wiki/Spyware. You call also disable Google Analytics on all websites by downloading the Google Analytics Opt-out Browser Add-on.