This Privacy Policy applies to the websites under the domain names www.bankchargespecialists.com, which is owned and operated by Bank Charge Specialists Limited (company number 5971503) Camden House,
2 Grey Street, Ashton Under Lyne, Lancashire, OL6 6XF.

How is my personal information collected?
The purpose of personal information that we collect from you will depend on how you interact with the Bank Charge Specialists website. This section will explain in the broad sense, just how personal information may be collected via the Bank Charge Specialists website, and how this information contributes to the development of the Bank Charge Specialists website.

Cookies
The Bank Charge Specialists website use cookies. Cookies are pieces of information that a website can transfer to an individual's computer hard drive for tracking (site usage) users' navigation and customizing site information further to improve and enhance the user experience. Most Internet browsers are preset to accept cookies. However, if you are concerned about the use of cookies you do have the option to opt out and refuse the transfer of cookies to you computer's hard drive. If you prefer not to receive cookies, you can adjust your Internet browser to refuse cookies or to warn you when cookies are being used. Please contact the company that produces your browser if you need help. You may also find useful information on www.cookiecentral.com.

On-line forums
When submitting information on the HHB Websites for the purposes of an enquiry, we will collect details such as your name, e-mail address and other details of your personal interests and needs. Some of this information is essential for us to be able to accurately identify who is using the service so that we may be able to respond to your requests and as such is indicated by mandatory fields. Mandatory information requirements are clearly identified and are usually denoted by an asterix (*). You will also be prompted when submitting a form if a Mandatory Information Requirement has not been completed. Other types of information, such as your age and gender, are collected to help us profile who is using the Bank Charge Specialists website and what their interests are. Information of this type is optional: you only need to fill it in if you wish to do so. Generally, you may be asked to provide personally identifiable information when you:

• send us your comments or suggestions
• create a link to the Bank Charge Specialists website
• register for Bank Charge Specialists website
• subscribe to Bank Charge Specialists brochures & or publications
• request sales and advertising information
• submit an enquiry
  

In all cases, your information will be held in the strictest confidence.

How can I control my personal information?
Users are required to register on the Bank Charge Specialists website in order to use the property search finder.
Our commitment is to provide you with the opportunity to opt in or out of any of the services provided by Bank Charge Specialists or any of its affiliates or partners. When requested Bank Charge Specialists will remove any personal identifiable information from its current operational systems.

How secure is my information?
Any personal information submitted to the Bank Charge Specialists website is held in the strictest confidence. This information is securely stored and access is restricted to Bank Charge Specialists authorised personnel only, ensuring that your personal information is protected and safeguarded.

How do we use your information?
The information we gather from your use of the Bank Charge Specialists website enables us to provide better services which are tailored to your needs. For example, recording usage patterns helps us identify the areas of the Bank Charge Specialists website that are popular and those that are not. The data, which is gathered, is aggregated for analysis by Bank Charge Specialists. Identifiable characteristics and the user's name remain anonymous. We use information that you submit via an on-line form from the Bank Charge Specialists website in any one of the following ways:

• to make changes to your profile at your request
• to register information at your request
• to respond to your submission or enquiry
  

We will only record your e-mail address if you send us a message. It will only be used for the purpose for which you have provided it, as outlined above. Your personal identifiable information will not be used for any other purpose, and we will not disclose it to anyone else without your consent.

Your personal information is not shared with any other third parties unless explicitly and expressly communicated when you submit the information. The information is contained and access is restricted to Bank Charge Specialists authorised personnel only. However, where it is necessary for law enforcement purposes or where we believe there is a threat to a person's safety or health, we may need to disclose your personal information to third parties as required by law.

Is my personal information shared with anybody outside Bank Charge Specialists ?
Bank Charge Specialists acknowledges that you will click through to third party sites from the Bank Charge Specialists website, and thus recommends that you refer to the privacy statements of the other websites you visit. Bank Charge Specialists assumes no responsibility for information and content of third party sites.

How often should I check this Privacy Policy?
We may make changes to this Privacy Policy from time to time, so you may like to check it regularly.

What else should I know about privacy?
Here are some more pointers to assist you in further protecting your privacy on the Internet.
Remember to close your browser when you have finished your user session. This is to ensure that others cannot access your personal information and correspondence if you share a computer with someone else or are using a computer in a public place like a library or Internet café.

Please be aware that whenever you voluntarily disclose personal information over the Internet, for example, in discussion forums, via e-mail or in chat sites, that this information can be collected and used by others. In short, if you post personal information in publicly accessible on-line forums, you may receive unsolicited messages from other parties in return.

Access to your personal information
You have the right to request a copy of the personal information Bank Charge Specialists hold about you and to have any inaccuracies corrected. (We charge £10 for information requests.)
Please address requests to Bank Charge Specialists Limited, Camden House, 2 Grey Street, Ashton Under Lyne, Lancashire, OL6 6XF. (Email: support@bankchargespecialists.com).

This Privacy Policy was last updated on 5th April 2007.