Cookies and Data Handling Policy

Introduction

We are committed to safeguarding the privacy of our website visitors; in this policy we explain how we will treat your personal information.  Any information received will be processed in accordance with the Data Protection Act 1998.

By using our website and agreeing to this policy, you consent to our use of cookies in accordance with the terms of this policy.

Collecting personal information

We may collect, store and use the following kinds of personal information:

(a)          information about your computer and about your visits to and use of this website (including your IP address, geographical location, browser type and version, operating system, referral source, length of visit, page views and website navigation paths);

(b)          any other personal information that you choose to send to us.

Before you disclose to us the personal information of another person, you must obtain that person’s consent to both the disclosure and the processing of that personal information in accordance with this policy.

If you choose to apply for products or services from us we may collect, store and use other kinds of personal information in accordance with the terms and conditions of those products.

Using personal information

Personal information submitted to us through our website will be used for the purposes specified in this policy or on the relevant pages of the website.

We may use your personal information to:

(a)          administer our website and business;

(b)          personalise our website for you;

(c)           enable your use of the services available on our website;

(d)          provide third parties with statistical information about our users (but those third parties will not be able to identify any individual user from that information);

(e)          deal with enquiries and complaints made by or about you relating to our website; and

(f)           keep our website secure and prevent fraud.

If you submit personal information for publication on our website, we will publish and otherwise use that information in accordance with the licence you grant to us.

We will not, without your express consent, supply your personal information to any third party for the purpose of their or any other third party’s direct marketing.

If you choose to apply for products or services from us we may use your personal information for purposes other than those listed in section 3.2 in accordance with the terms and conditions of those products.

Disclosing personal information

We may disclose your personal information to any of our employees, officers, insurers, professional advisers, agents, suppliers or subcontractors insofar as reasonably necessary for the purposes set out in this policy.

We may disclose your personal information to any member of our group of companies (this means our subsidiaries, our ultimate holding company and all its subsidiaries) insofar as reasonably necessary for the purposes set out in this policy.

We may disclose your personal information:

(a)          to the extent that we are required to do so by law;

(b)          in connection with any ongoing or prospective legal proceedings;

(c)           in order to establish, exercise or defend our legal rights (including providing information to others for the purposes of fraud prevention and reducing credit risk);

(d)          to the purchaser (or prospective purchaser) of any business or asset that we are (or are contemplating) selling; and

(e)          to any person who we reasonably believe may apply to a court or other competent authority for disclosure of that personal information where, in our reasonable opinion, such court or authority would be reasonably likely to order disclosure of that personal information.

Except as provided in this policy, we will not provide your personal information to third parties.

Retaining personal information

This section sets out our data retention policies and procedure, which are designed to help ensure that we comply with our legal obligations in relation to the retention and deletion of personal information.

Personal information that we process for any purpose or purposes shall not be kept for longer than is necessary for that purpose or those purposes.

Without prejudice to above, we will usually delete personal data in line with the Data Protection Act 1998.

Notwithstanding the other provisions of this section, we will retain documents (including electronic documents) containing personal data:

(a)          to the extent that we are required to do so by law;

(b)          if we believe that the documents may be relevant to any ongoing or prospective legal proceedings; and

(c)           in order to establish, exercise or defend our legal rights (including providing information to others for the purposes of fraud prevention and reducing credit risk).

Security of personal information

We will take reasonable technical and organisational precautions to prevent the loss, misuse or alteration of your personal information.

We will store all the personal information you provide on our secure (password- and firewall-protected) servers.

You acknowledge that the transmission of information over the internet is inherently insecure, and we cannot guarantee the security of data sent over the internet.

Amendments

We may update this policy from time to time by publishing a new version on our website.

You should check this page occasionally to ensure you are happy with any changes to this policy.

Your rights

You may instruct us to provide you with any personal information we hold about you; provision of such information will be subject to:

(a)          the payment of a fee (currently fixed at GBP 10); and

(b)          the supply of appropriate evidence of your identity.

We may withhold personal information that you request to the extent permitted by law.

You may instruct us at any time not to process your personal information for marketing purposes.

In practice, you will usually either expressly agree in advance to our use of your personal information for marketing purposes, or we will provide you with an opportunity to opt out of the use of your personal information for marketing purposes.

Third party websites

Our website includes hyperlinks to, and details of, third party websites.

We have no control over, and are not responsible for, the privacy policies and practices of third parties.

Updating information

Please let us know if the personal information that we hold about you needs to be corrected or updated.

About cookies

A cookie is a file containing an identifier (a string of letters and numbers) that is sent by a web server to a web browser and is stored by the browser. The identifier is then sent back to the server each time the browser requests a page from the server.

Cookies may be either “persistent” cookies or “session” cookies: a persistent cookie will be stored by a web browser and will remain valid until its set expiry date, unless deleted by the user before the expiry date; a session cookie, on the other hand, will expire at the end of the user session, when the web browser is closed.

Cookies do not typically contain any information that personally identifies a user, but personal information that we store about you may be linked to the information stored in and obtained from cookies.

Cookies can be used by web servers to identify and track users as they navigate different pages on a website and identify users returning to a website.

Analytics cookies

We use Google Analytics to analyse the use of our website.

Our analytics service provider generates statistical and other information about website use by means of cookies.

The analytics cookies used by our website have the following names: _ga, _gat, __utma, __utmt, __utmb, __utmc, __utmz and __utmv.

The information generated relating to our website is used to create reports about the use of our website.

Our analytics service provider’s privacy policy is available at: http://www.google.com/policies/privacy/.

Blocking cookies

Most browsers allow you to refuse to accept cookies; for example:

(a)          in Internet Explorer (version 11) you can block cookies using the cookie handling override settings available by clicking “Tools”, “Internet Options”, “Privacy” and then “Advanced”;

(b)          in Firefox (version 39) you can block all cookies by clicking “Tools”, “Options”, “Privacy”, selecting “Use custom settings for history” from the drop-down menu, and unticking “Accept cookies from sites”; and

(c)           in Chrome (version 44), you can block all cookies by accessing the “Customise and control” menu, and clicking “Settings”, “Show advanced settings” and “Content settings”, and then selecting “Block sites from setting any data” under the “Cookies” heading.

Blocking all cookies will have a negative impact upon the usability of many websites.

Deleting cookies

You can delete cookies already stored on your computer; for example:

(a)          in Internet Explorer (version 11), you must manually delete cookie files (you can find instructions for doing so at http://windows.microsoft.com/en-gb/internet-explorer/delete-manage-cookies#ie=ie-11);

(b)          in Firefox (version 39), you can delete cookies by clicking “Tools”, “Options” and “Privacy”, then selecting “Use custom settings for history” from the drop-down menu, clicking “Show Cookies”, and then clicking “Remove All Cookies”; and

(c)           in Chrome (version 44), you can delete all cookies by accessing the “Customise and control” menu, and clicking “Settings”, “Show advanced settings” and “Clear browsing data”, and then selecting “Cookies and other site and plug-in data” before clicking “Clear browsing data”.

Deleting cookies will have a negative impact on the usability of many websites.

Data protection registration

We are registered as a data controller with Information Commissioner’s Office.

Our data protection registration number is Z8335234.

Our details

This website is owned and operated by R. Liberty Investment Bank & Sons plc.

We are registered in England and Wales under registration number 1288938, and our registered office is at Liberty Investment Bank 1818 H, Street NW Washington, DC, USA.

You can contact us by writing to the address given above, by using our website contact form, by email to info@libinvestment.com or by telephone on (800) LIB-BANK.