In this Policy the following terms shall have the following meanings:
"Data" defines collectively all information that you submit to the 'Ray Arman' via the Website. This definition shall, where applicable, incorporate the definitions provided in the Data Protection Act 1998.
"'Ray Arman'" is a trading style of Rayan Arman, 2 York House, 47 Jockey Road, Sutton Coldfield, B73 5PU.
"User" means any third party that accesses the Website and is not employed by 'Ray Arman' and acting in the course of their employment; and "Website" means the website that you are currently using (www.taxpenny.co.uk) and any sub-domains of this site unless expressly excluded by their own terms and conditions.
Without limitation, the following Data may be collected by this Website from time to time – specifically within advice request forms; personal information such as name, address, contact details as well as specific category information such as mortgage, loan, investment, pension requirements.
4.1 Any personal Data you submit will be retained by 'Ray Arman'.
4.2 Unless we are obliged or permitted by law to do so, and subject to Clause 5, your Data will not be disclosed to third parties.
4.3 All personal Data is stored securely in accordance with the principles of the Data Protection Act 1998. Fore more details on security see Clause 11 below.
4.4 Any or all of the above Data may be required by us from time to time in order to provide you with the best possible service and experience when using our Website. Specifically, Data may be used by us for the following reasons:
4.4.1 internal record keeping;
4.4.2 improvement of our products / services;
4.4.3 transmission by email of promotional materials that may be of interest to you;
4.4.4 contact for market research purposes which may be done using email, telephone, fax or mail.
5.1 'Ray Arman' may, from time to time, employ the services of other parties for dealing with matters that may include, but are not limited to, payment processing, delivery of purchased items, search engine facilities, advertising and marketing. The providers of such services do not have access to certain personal Data provided by Users of this Website.
5.2 Any Data used by such parties is used only to the extent required by them to perform the services that 'Ray Arman' requests. Any use for other purposes is strictly prohibited. Furthermore, any Data that is processed by third parties shall be processed within the terms of this Policy and in accordance with the Data Protection Act 1998.
7.1 'Ray Arman' may, from time to time, expand or reduce our business and this may involve the sale and/or the transfer of control of all or part of 'Ray Arman'. Data provided by Users will, where it is relevant to any part of our business so transferred, be transferred along with that part and the new owner or newly controlling party will, under the terms of this Policy, be permitted to use the Data for the purposes for which it was originally supplied to us.
7.2 In the event that any Data submitted by Users is to be transferred in such a manner, you will not be contacted in advance and informed of the changes. When contacted you will not be given the choice to have your Data deleted or withheld from the new owner or controller.
8.1 Wherever you are required to submit Data, you will be given options to restrict our use of that Data. This may include the following:
8.1.1 use of Data for direct marketing purposes; and
8.1.2 sharing Data with third parties.
You may access the Website without providing any Data at all.
You have the right to ask for a copy of any of your personal Data held by 'Ray Arman' on payment of a small fee of £10.
11.1 Data security is of great importance to 'Ray Arman' and to protect your Data we have put in place suitable physical, electronic and managerial procedures to safeguard and secure Data collected via this Website.
'Ray Arman' reserves the right to change this Policy as we may deem necessary from time to time or as may be required by law. Any changes will be immediately posted on the Website and you are deemed to have accepted the terms of the Policy on your first use of the Website following the alterations.
This website uses Google Analytics to provide insight into the usage patterns of users of the website. In order to do so, "cookies," which are text files transmitted between your computer and our servers, are used to collect anonymised standard Internet log information and visitor behavior information. In addition 'Ray Arman' uses Google Ads to provide a source of revenue – these ads are themselves using cookies to maintain a relevant and efficient service.
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