Privacy Policy

Moneysupermarket Group includes the brands MoneySuperMarket, TravelSuperMarket and MoneySavingExpert.com (all operating in the UK). We all take your privacy very seriously.

For the purposes of this Privacy Policy, references to Moneysupermarket Group ("we", "us" or "our") excludes MoneySavingExpert.com which has its own privacy policy (see section 2.1 below for further information).

Moneysupermarket.com Limited (company number 3945937) is the data controller in relation to the processing of the personal information that you provide to us when you use our Services. Its registered address is Moneysupermarket House, St David's Park, Ewloe, Chester, CH5 3UZ. If you have any queries relating to our use of your personal information, if you want to contact our data protection officer or if you have any other related data protection questions, please contact our Data Request Team at datarequest@moneysupermarket.com or write to our Data Protection Officer at Moneysupermarket House, St. David's Park, Ewloe, Flintshire, CH5 3UZ.

2.1.     From you - Most of the personal information we collect will be direct from you when you use the Services.  We will collect this information from you through the websites, mobile applications or other similar devices, channels or applications operated by or on behalf of any of the following brands (referred to collectively in this Privacy Policy as the "Sites"):

• MoneySuperMarket; and
  
  
• TravelSuperMarket.
  

MoneySavingExpert.com may also share your personal information with the rest of the Moneysupermarket Group but only if you have given your informed consent for it to do so while using MoneySavingExpert.com. The information that MoneySavingExpert.com shares will be used to speed up form filling, or to personalise, or improve your experience when using the Sites and MoneySavingExpert.com. Other than this, MoneySavingExpert.com does not share your personal information with the other members of the Moneysupermarket Group. You should read MoneySavingExpert.com's own Privacy Policy  for further information about the ways in which it uses your personal information.

2.2.     From our partners – If you purchase a product from one of our partners whose products are shown on our Site then they may send us information they hold relating to the product(s) you have purchased.  This allows us to track sales and improve our Services.

2.3.     From our channel operators - whilst the majority of the channels on our Sites are run by us, some of our channels are designed, maintained and/or run for us by our trusted channel operators.  We may receive your personal information from our channel operators and use it in accordance with section 4 below.  Where our channel operators collect your personal information on a channel which is maintained by them, they will be acting as the data controller of your personal information.  You can see a list of our channel operators including a link to their privacy policies here.  

2.4.     From our suppliers – We will sometimes use other companies to collect and process your personal information on our behalf, for example we may use IT service providers or market research agencies. Where we use third parties we will make sure that they commit to keep your information safe.

3.1.     The personal information we may collect when you use the Services includes your name, address, email address, telephone number, date of birth, driving history and details about your vehicle/home together with details of your financial information, for example, bank account or payment details. We use this data, to obtain comparative quotes for insurance, home services or money products, or when searching for travel deals.

In the course of providing the Services to you, we may also store information about how you use our Sites, for example, the pages viewed, the website from which you came to visit our Sites, changes you make to information you supply to us, details of the quotes you request and your transactions. 

3.2.      In order to provide you with a quote we may need to collect personal information which data protection law defines as special category data. This is personal information which is particularly sensitive, such as medical history or criminal convictions. We cannot display quotes for certain types of insurance (such as life insurance or vehicle insurance) without this information.  We may also need to share this data with our partners to enable them to generate a quote for you (which we are allowed to do under data protection legislation in order to arrange and/or advise on an insurance contract).  

3.3.     We do not knowingly collect or store any personal information about children under the age of 16.  If you are aged under 16 please get your parent or guardian’s permission before you provide any personal information to us.

3.4.      If you are providing us with another person's information (for example where you request a policy which includes another person as a joint policyholder or obtaining quotes for a family member) you should first ask them to read this Privacy Policy and our Terms of Use. By giving us information about another person you are confirming that they are happy for you to provide the information to us and that they understand how their details will be used.

3.5.     We may monitor or record your calls, emails, sms or other communications but we will do so in accordance with data protection legislation and other applicable law. Monitoring or recording will always be for business purposes, such as for quality control and training (e.g. where you call our customer services help line), to prevent unauthorised use of our telecommunication systems and Sites, to ensure effective systems operation, to meet any legal obligation and/or to prevent or detect crime.

3.6.      In order to ensure the Services we provide you continue to meet your needs we may ask you for feedback on your experience of using the Sites. Any feedback you provide will only be used as part of our programme of continuous improvement and will not be published on the Sites.

Note that it is your responsibility to check and ensure that all information, content, material or data you provide on the Sites is correct, complete, accurate and not misleading and that you disclose all relevant facts

We may use your personal information: 

4.1     to enable you to access and use the Services including:

4.1.1. verifying your identity, managing, running and administering your account or use of any mobile applications if you choose to set up a Site account or download mobile applications;

4.1.2. passing it to our partners including companies whose products or services are included on our Sites, with a view to them providing you with an online quote or eligibility score for the product/service requested by you. When our partners use your personal information to provide a quote they will act as data controllers of your personal information – you can see a list of our partners here;

4.1.3   to make it easier for you to use the Sites we will store the personal information you provide and may use it to pre-populate fields on the Sites when making return visits;

4.1.4. to enable you to use our eligibility checker services.  When you use our eligibility checker services, a credit report will be generated by carrying out a 'soft' credit check.  We do not carry out these checks but will pass your personal information to our trusted service providers who will generate these checks (see section 5.2 below for more details);

4.1.5.  to process a transaction between you and a third party;

4.1.6. to track sales, which may involve us sharing data with your product provider relating to the product(s) you have purchased; 

4.1.7. to enable telematics - if you have chosen to have a telematics in-tele-box fitted to your car and/or to download a telematics app to your mobile device, this will collect a wide range of driving information.  Our partners may use the telematics data in a number of ways, as defined in their privacy policies or terms and conditions.  The police and certain statutory and/or authorised bodies may request information collected via the telematics device/app to help them with road accident investigations and the prevention or detection of crime. Such information may currently only be obtained via an application to the Courts and we will not provide any information to these organisations except when subject to a Court Order or with your consent; and

4.1.8. to enable you to share our content with others, e.g. by using any 'Email a friend' or 'Share this' functionality on our Sites;

4.2.     to communicate with you, including some or all of the following:

4.2.1.  sending you information about products and services which we think may be of interest to you – We will only send you this information if you give us your consent for us to do so.  We will  contact you (depending on your contact preferences) via email, post, telephone, sms, or by other electronic means such as via social and digital media this may include new product launches, newsletters and opportunities to participate in market research;

4.2.2.  sending you a confirmation email of your quote - when you obtain a quote with us, you will automatically be sent confirmation of your quote by email or SMS so that you have a record of it and can easily retrieve your quote in the future;

4.2.3.  sending you annual renewal quotes.  Based on information you previously provided to us (if you have previously obtained a  quote) - when our systems indicate that your renewal is due (based on the dates you entered for your most recent quote) we may resubmit your quote details to give you an idea of what your quotes could be for your next renewal. In order to provide this service to you, we may also send that information to our insurance partners so that they can calculate their quotes. When they do this, our insurance partners may carry out ‘soft’ credit checks on you with credit reference agencies;

4.2.4. sending you information about our innovative savings and credit management services– if you have subscribed to any of these services for example the MoneySuperMarket App, then we will contact you (e.g. through email,  push notifications or in-App messaging); and

4.2.5. if you use our MoneySuperMarket App, alerting you to when your car tax, insurance or MOT are coming up for renewal or have expired, or when your energy tariff is coming to an end or has switched to another deal (for more information on how we use your information in the MoneySuperMarket App please see our Terms of Use);

4.3     to personalise and improve aspects of our Services including:

4.3.1. to improve our recommendations and insights. The information we collect helps us tailor our content and improve our suggestions and recommendations to you and other users about products or services that may interest you or them. We also use that information to provide you insights about your credit health;

4.3.2. to match our data with data from other sources - we may validate and analyse your information and, in some cases, match it against information that has been collected by a third party to ensure that the information we hold about you is as accurate, consistent and well-organised as possible. As well as ensuring that any marketing material that we send you is appropriate to your needs, this process also ensures that our Services continue to be as personalised and focused as possible;

4.3.3.  to populate our customer insight products which are available to subscribers.  We may pass certain insight products to our partners to help them understand customer behaviours and develop their product offerings.  When we pass them this information, where possible, it will be in an anonymised and aggregated format; and

4.4.     for research, such as analysing market trends and customer demographics including:

4.4.1.  we may contact you to ask you to assist us with market research by asking you questions about the Services and asking you if you would like to complete a review of the Services.  We may sometimes ask market research companies to contact you on our behalf; and

4.4.2.  we may use the data relating to your quotes, your personal information and information about the policies and contracts you have taken out to carry out various research and analysis activities to help us review and improve the Sites or our Services.

5.1 Who do we share your personal information with?

When you use any of our Services, we may disclose your personal information to the following parties:

5.1.1.     other members of the Moneysupermarket Group (excluding MoneySavingExpert.com) in accordance with section 4;

5.1.2.     MoneySavingExpert.com: (i) to communicate with you, including (if you consent) sending you information about products and services which may be of interest to you; (ii) to speed up form filling, or to personalise, or improve your experience on its website, mobile applications or other similar devices, channels or applications; or (iii) in accordance with its privacy policy;

5.1.3.  our channel operators – When you use the Services we may share your personal information with our channel operators for them to use it in accordance with section 4 above. Where our channel operators collect your personal information on a channel which is maintained by them, they will be acting as the data controller of your personal information provided in relation to a quote.  You can see a list of our channel operators including a link to their websites here.

5.1.4.  our partners including companies whose products or services are included on our Sites:

5.1.4.1. in order to display quotes on the Sites we will send your personal information to our panel of insurance partners.  We need to send them your personal information so that they can generate a quote for us to display on the Sites.  When these companies use your personal information in this way, they will be acting as data controllers of your personal information which means that they are in charge of how they handle your data and we are not responsible for this;

5.1.4.2. to provide you with our eligibility checker service, your personal information will be sent to our panel of credit card and loan providers so that we can show you which credit cards or loans that you’re most likely to be accepted for.  If you choose to click through to some of our money partners to submit an application, to make it easier for you to complete your application we may pass the personal information you provide on the Sites to our partners to pre-populate fields on our partners’ website to save you having to input your information again; and

5.1.4.3 on some of our journeys you can apply and purchase our partners’ products on our Sites (for example energy products, travel insurance and life insurance).  When you purchase a Product on our Sites any contract will be entered into between you and the relevant product provider and so we will pass your personal information to them.

If you click through to any of our partners websites, provide them with additional information on their websites and/or if you decide to purchase a product from any of our partners then they will be data controllers of your personal information and you should read their own privacy policy which you should find on their website.      

You can see a list of our partners here

5.1.5.  other service providers that we engage to help us provide certain services and/or functionality, such as whether products are suitable for you. These include:

5.1.5.1.  our service providers who enable our eligibility checker services (see section 5.2 below for more information)

5.1.5.2. UnderwriteMe Limited who will process your personal information to provide fully and partially underwritten life insurance quotations and to deal with enquiries relating to your policy, statistical purposes, claims management and the prevention and detection of fraud. Where required by law, regulatory requirement or for the prevention or detection of a crime UnderwriteMe may share your personal information with (i) UnderwriteMe’s group companies and (ii) our life insurance providers. UnderwriteMe will also use data which has been anonymized for underwriting, claims, pricing research and helping UnderwriteMe better understand consumer behaviour; and

5.1.5.3. market research agencies who may contact you on our behalf in order to ask you to assist us with our research;

5.1.6.     the DVLA: if you give us your driving licence number when obtaining a motor insurance quote or when using, it may be submitted by us or our partners to the DVLA MyLicence service  in order to verify the status of your (or any named driver's) licence and entitlement along with any relevant restriction information, endorsement and/or conviction data. The insurers may carry out the searches themselves or we may perform them and then pass the results to the insurers.  These driving licence searches may be made when you first use our Services and subsequently throughout the duration of your insurance policy. These searches will not show on your (or your named driver's) DVLA driving licence record. Carrying out these searches may help insurers to prevent fraud and reduce the need for insurers to cancel policies for negligent misrepresentation and non-disclosure of important information.  For details of the information about you that the DVLA may hold, please see http://www.mylicence.org.uk/. If you use the MoneySuperMarket App and enter your driving licence number, we will also share this with certain third party partners including the DVLA MyLicence service to provide you with notifications and emails relating to the status of your car insurance;

5.1.7.  Where permitted or required by law or regulation, we may also disclose information about you (including electronic identifiers such as IP addresses) and/or access your account in order to comply with legal or regulatory requirements for example:

5.1.7.1. if required to do so by any court, the Financial Conduct Authority, the Competition and Markets Authority or any other applicable regulatory, compliance, Governmental or law enforcement agency;

5.1.7.2.  if necessary in connection with legal proceedings or potential legal proceedings;

5.1.7.3.  in connection with the sale or potential sale of all or part of our business; and/or

5.1.7.4. if we reasonably believe false or inaccurate information has been provided and fraud is suspected, details may be passed to fraud prevention agencies to prevent fraud and money laundering.

5.2. Credit Information Services

When you use the Services a ‘soft’ credit check may be carried out against your credit report by our service providers for example to enable our eligibility checker services.

Many of our partners will also carry out checks with credit reference agencies when they generate a quote for comparison both at the time you request a quote and at renewal, you should read their privacy policy for more information on how they carry out these checks.

‘Soft’ credit checks are carried out by credit reference agencies in order to (i) assess your financial and insurance profile; (ii) verify your identity; and/or (iii) to help prevent fraud.  The credit reference agencies may keep a record of the search and you may see this recorded against your credit file but these ‘soft’ credit checks have no impact on your credit rating. ‘Soft’ credit checks are visible on your credit report but do not show up in the same way as a 'hard' check.  Where a ‘soft’ credit check is required for our eligibility checker service we engage the following service providers:

5.2.1.        Capital One plc ("Capital One"), HD Decisions - an Experian business ("HD"), Shawbrook Bank Limited (“Shawbrook”) and other credit cards and loans providers, who in turn partner with the following UK credit reference agencies: Callcredit Limited (trading as TransUnion formerly Callcredit) (“Callcredit”) and Experian Ltd ("Experian") from time to time to enable our eligibility checker services.  If you use our eligibility services, a credit report will be generated by carrying out a 'soft' credit check.  The ‘soft’ credit checks will be used by Capital One, HD and Shawbrook and other providers, to match against those providers' own lending criteria. This information will be used to let you know your percentage chances of successfully obtaining a credit card or loan. Note that your credit report will not be provided to you directly and we will not receive it either.  For further information about how your details will be used please see the rest of our Privacy Policy and Capital One's and HD's and Shawbrook’s own terms and conditions.

5.3. Who might our partners share your personal information with?

In order to provide you with a quote, our partners may exchange information about you with other companies and/or carry out checks with various databases. Our partners act as data controllers in respect of this use of personal information and we are not responsible for it. We have set out below some of the common ways they will share your information:

5.3.1.  Some of our partners will use your personal information to assess your circumstances (including information about any third party who is named on the policy) and verify the information that you have provided before providing a quote to you;

5.3.2.  Some partners may carry out checks with fraud prevention and credit reference agencies, both when you first run your quote and when we run an annual renewal quote.  Insurers generally run these checks to ensure that they and credit partners have the necessary facts to assess your insurance risk, verify your identity, help prevent fraud and to provide you with their best premium and payment options).  If partners do these checks, they will be quotation searches only and do not show up on your credit report in the same way that a ‘hard’ check does, but will be visible to other organisations. Both public data (e.g. the electoral roll) and private data (e.g. your personal credit history) may be checked in this way;

5.3.3.  Some partners may carry out checks against data they already hold on you, (or is held by the company whose brand they administer the product for, or members of their group of companies) such as data from existing products, account data, data from previous product transactions, accounts you may hold with them or loyalty scheme data to share with insurers in order to determine your premium;

5.3.4.  Our partners may also exchange data with certain industry databases such as the No Claims Discount Database, the Motor Insurance Anti-Fraud and Theft Register, the Claims and Underwriting Exchange (which holds records of incidents reported to insurers that may or may not have resulted in a claim) and the Hunter Database (a central insurance and claims checking system).  If our partners carry out these searches, a record of the search will appear on your credit report; 

5.3.5.  Some of our partners may also check public and private higher education sources to obtain information about your educational background; and

5.3.6.  Our partners may also share information with insurance underwriters. These checks are not unique to users of our Services - they may also be carried out if you obtain quotes from other sources.

This information exchange allows our partners to verify the information that is provided during the quote process (including information about any third party who is named on the policy), and also helps to detect fraudulent claims. 

If you decide to enter into a contract with one of our partners through any of the Sites, the information you have provided to us, together with any further information requested by, and supplied by you or us to the partner, will be held by the partner  for the purposes set out in their privacy policy and they will act as data controller of your personal information.  Therefore, you are strongly advised to read your chosen provider's privacy policy and satisfy yourself as to the purposes for which the provider will use your personal information before entering into the contract. We have no responsibility for the uses to which a provider puts your personal information.

We will only collect and use your personal information in accordance with data protection laws.  Our legal grounds for processing your personal information in the ways described in this Privacy Policy are as follows:

6.1.     Performance of a contract - In order to provide you with the Services and manage your account we will: (i) search the websites of our partners to get you the best quotes; (ii) process any transaction between you and a third party; and (iii) manage, run and administer your account.  When we do this we are processing your personal information because it is necessary to perform the contract that we have in place with you to provide you with our Services.

6.2.     Consent – We will only send you certain marketing emails if you have confirmed that you are happy to receive this material.  Where  we have asked for your consent, we will only collect and process your personal information if you have given your consent for us to do so.

6.3.     Legitimate Interests – We may use and process some of your personal information where we have sensible and legitimate business grounds for doing so.  Under European privacy laws there is a concept of “legitimate interests” as a justification for processing your personal information.  Our legitimate interests for processing your personal information are:

6.3.1.  to communicate with you about the Services.  We need to keep you informed about your use of the Services for example sending you a confirmation email of your quotes.  This won’t include marketing communications unless you have given us your consent to receive these;

6.3.2.   to personalise and improve our Services for example, we may use your personal information to personalise aspects of our service; and to allow you to use our eligibility checker services.  We constantly aim to improve our Services to you and using your personal information in this way helps us to do this; and

6.3.3. for market research and analysis.  This helps us to regularly review and improve the products and services we or our partners provide.  Where possible data that we use/provide in this way will be in an anonymised format.

You have the right to object to our use of your personal information for these legitimate interests.  If you raise an objection we will stop processing your personal information unless very exceptional circumstances apply, in which case we will let you know why we are continuing to process your personal information.  Please contact our Data Request Team at datarequest@moneysupermarket.com if you wish to exercise this right. 

A cookie is a very small text file placed on your computer or device. Cookies help us to:

7.1.     understand browsing habits on the Sites;

7.2.     understand the number of visitors to the Sites and the pages visited; and

7.3.     remember you when you return to the Sites so we can provide you with access to previously saved quotes.

For more information on the cookies we use, please see our Cookie Policy.

The advertisements that you see displayed on our Sites are delivered on our behalf by certain third party advertising companies. No information which directly identifies you, for example your name, address, email address or telephone number, is used to provide this advertising. In order to display advertising most likely to be relevant to you, these third party advertisers may place or recognize a unique cookie on your browser. This cookie does not collect personal information about you nor is it linked to any identifiable information about you. It is possible to block cookies by adjusting your browser settings, as mentioned in our Cookie Policy. By using the Services you are consenting to the use of these third party cookies for these purposes.

If you would like more information about online advertisements and your choices about how this information may used by these companies, please click here http://www.youronlinechoices.com/uk/your-ad-choices.

The Sites have also implemented and use Display Advertising using Google Analytics which permits advertisements and remarketing to be served on third party websites across the internet relating to a search made on any of the Sites. The Sites and third parties, including Google, use first party cookies and third party cookies to inform, optimise and serve such advertisements. You can opt out of, or customise, these advertisements using the Google Ads Preferences Manager.

Your personal information’s security is very important to us. This is why, where it’s appropriate, our Sites use HTTPS to help keep information about you secure. However, no data transmission over the internet can be guaranteed to be totally secure. Certain information, for example, your credit card details, is encrypted to minimise the risk of interception during transit.

You may complete a registration process when you sign up to use parts of the Sites. This may include the creation of a username, password and/or other identification information. Any such details should be kept confidential by you and should not be disclosed to or shared with anyone. Where you do disclose any of these details, you are solely responsible for all activities undertaken on the Sites where they are used. To protect your account, we ask you to choose a strong password to access your information on our Sites. A strong password should be lengthy and include a mixture of letters and numbers. Your password can only be reset with access to the email address registered in our system.

It might sometimes be necessary for us or our suppliers to transfer your personal information outside of the European Economic Area (EEA) to locations that may not provide the same level of protection as  UK data protection laws.  However, we will only transfer your personal information out of the EEA if we have put in place appropriate safeguards and protections as stated under UK law for example by the use of a data-transfer agreement incorporating certain standard model protection clauses which have been approved by the European Commission, or if we send to the US pursuant to the Privacy Shield.

Any electronic marketing communications we send you will include clear and concise instructions to follow should you wish to unsubscribe at any time. You may also amend your marketing preferences by accessing your personal details via YourAccount, the MyProfile portal (for MoneySuperMarket.com), via the link received in emails (for TravelSupermarket.com) or by emailing us at datarequest@moneysupermarket.com. 

To turn off communications from the MoneySuperMarket App, you can go to your MoneySuperMarket App settings or follow the links included at the bottom of the emails you have received (simply deleting the MoneySuperMarket App will not stop these emails).

Should you no longer wish to be contacted by us, you can advise us at any time by contacting our Customer Services team on 0333 123 1983 (within the UK) or +44 1244 665709 (outside the UK) - lines are open Monday to Friday 9.00 to 5.30 or by sending an email to customerservices@moneysupermarket.com.

If you no longer wish to be contacted by providers for marketing purposes, please follow the instructions in their marketing communications, or consult their privacy policies for further information about unsubscribing.

You have certain rights under data protection legislation in relation to the personal information that we hold on you including:

11.1.     Right to access: the right to a copy of the personal information we hold about you.  We’ll ask you to describe the information you require, as well as letting us know about any other email addresses you’ve used on our Sites, to enable us to trace your personal information. Depending on the nature of your request, we may also ask you for your full name, your date of birth and your full address and documents to allow us to verify your identity. Requests for copies of your personal information will be dealt with within one month, unless your request is complicated or if you have made a large number of requests.  In these circumstances it may take us longer to deal with your request, in which case we will let you know if we need longer than one month to respond;

11.2.   Right to correct: the right to have your personal information rectified if it is inaccurate or incomplete. Requests for us to correct your personal information will be dealt with within one month, unless your request is complicated or if you have made a large number of requests.  In these circumstances it may take us longer to dealt with your request, in which case we will let you know if we need longer than one month to respond. If we believe that your personal information is accurate, we will let you know that that we will not be amending your personal information and why;

11.3.   Right to erasure and to restrict our use of your information: the right to request that we delete or remove your personal information from our systems.  Data protection laws give exceptions to this right which, if applicable, we will explain in our response to you;

11.4.   Right to restrict our use of your information: In some circumstances you can  ‘block’ us from using your personal information or limit the way in which we can use it;

11.5.   Right to data portability: the right to request that we move, copy or transfer your personal information; 

11.6.   Right to object: the right to object to our use of your personal information including where we use it for our legitimate interests or where we use your personal information to carry out profiling to inform our market research and customer demographics. If you raise an objection we will stop processing your personal information unless very exceptional circumstances apply, in which case we will let you know why we’re continuing to process your personal information.

To make enquiries or exercise any of your rights set out in this Privacy Policy please contact our Data Requests Team at datarequest@moneysupermarket.com

If you are not satisfied with the way any complaint you make in relation to your personal information is handled by us then you may be able to refer your complaint to the relevant data protection regulator which in the UK is the Information Commissioner’s Office.

This Privacy Policy shall be governed and construed in all respects in accordance with the laws of England and Wales.

We will only hold your personal information on our systems for the period necessary to fulfil the purposes outlined in this Privacy Policy or until you request it is deleted (unless a longer retention period is required or permitted by law). 

Generally, you can expect us to keep your personal information while you use the Sites or if you have an active account with us.  Where you have applied for or purchased products or services via the Sites we will need to keep your personal information for longer for accounting purposes - up to six (6) years following the date on which it is provided to us. 

If, having registered for any of our Services, you do not use them for a reasonable time (which may vary depending on the Service(s) you’ve registered for) we may contact you to ensure you’re still happy to receive communications from us. 

If one of our partners processes your data in order to provide you with a quote they will be acting as data controller but they should only hold that data for so long as is reasonable in relation to providing you with that quote.

If you purchase a product then the service provider will keep your personal information in accordance with their own retention periods and so you should check their own privacy policy for further information. 

Even if you delete or ask us to delete your personal information it may persist on backup or archival media for legal, tax or regulatory purposes.

We reserve the right to amend or modify this Privacy Policy at any time and any changes will be published on the Sites.  The date of the most recent revision will appear on this page.  If we make significant changes to this policy, we may also notify you by other means such as sending an email.  Where required by law we will obtain your consent to make these changes.  If you do not agree with any changes please do not continue to use the Sites.