This Policy sets out how we process information about you when you visit our website, mobile application (if applicable), or otherwise use our services (collectively, our “Services”). We take the privacy of your personal information seriously. If you do not accept or understand this policy for any reason you should not use our Services.

In using our Services, you consent to us processing your user data on the terms contained in this Policy. Please notify us immediately if you, at any time, object to us processing your user data.

The information and data you submit to us may include, amongst other things, your personal and/or business details, email address and other contact details, billing information, and all documents and forms which you submit to us (collectively, “user data”).

We process user data where it is adequate, relevant and not excessive, to communicate with you, deliver our Services to you, to create, administer and transact with any account you may have with us, and/or to otherwise fulfil any contractual obligations we may have towards you you. We may also process user data to monitor and improve our Services and our service delivery in general.

We may use your contact details to market and promote future products and services which we think may interest you and/or to provide you with useful information about our Services. You may, at any time, opt-out of receiving such communications from us.

We will not share or sell your personally identifiable user data without your consent. However, we may share with third parties anonymised and de-identified user data that you submit to us provided that it will no longer contain personally identifiable information and cannot be linked to you.

You consent to us using any user data you submit to us in order to conduct a credit reference check at any time during your use of the Services.

In addition to the above, we may also process user data:

• to the extent that we are required or permitted to do so by law. It is our policy to co-operate with relevant authorities in relation to law enforcement inquiries. You authorise us to disclose any information about you to such authorities as we, in our sole discretion, believe necessary or appropriate in connection with the investigation of any illegal or purported legal activity;
• in connection with any legal proceedings;
• in order to establish, exercise or defend our legal rights; and
• to protect the rights, property and personal safety of another user and/or any member of the public.

Where we request information from you, you agree to provide us with honest, accurate and up-to-date information and to maintain and update such information when necessary. It is your responsibility to contact us if any of your user data is incorrect, incomplete, misleading, or if you require its transfer or deletion.

By uploading or submitting third-party data or information to the website for us to process, you warrant that you have the necessary permission and consent to upload or submit such data or information.

We will only retain user data for as long as is necessary for the purposes set out in this Policy, unless otherwise required by law, or requested by you. User data is destroyed, deleted or de-identified once its retention is no longer necessary.

We may store user data on servers situated outside of the country in which we are domiciled, but only in jurisdictions where the law imposes conditions for the processing of information which are equivalent to best international practice.

We have implemented technological and organisational measures aimed at protecting the confidentiality and integrity of your user data. We have identified all reasonably foreseeable internal and external risks to your user data and have established, and maintain, appropriate safeguards against these risks. We regularly verify that these safeguards are being effectively implemented and we will continually update these safeguards in response to new risks or deficiencies identified.

We will notify you, and the appropriate regulator, immediately where we have grounds to believe that any user data has been accessed or acquired by any unauthorised person.

We may track and store some information (commonly known as a "cookie") when you visit our website. This enables us to recognise you during subsequent visits. The type of information gathered includes the IP address of your device, the date and time of your visit, which pages you browsed and whether the pages have been delivered successfully. Apart from establishing basic connectivity and communications, we may also use this data in aggregate form to develop customised services which are tailored to your individual interests and needs. You may change your device settings to prevent your device from accepting cookies. However, this may cause certain features of our website to be inaccessible.