The Institute of Credit Management and its group ("we" or "us") take your privacy seriously. This Privacy Policy explains the steps we take to ensure information about you is kept secure and confidential.

Please read this Privacy Policy carefully as once you use our website and/or our services ("Services") you will be regarded as having read and accepted this Privacy Policy. You must not use our website or our Services if you do not accept this Privacy Policy.

The Institute of Credit Management is the data controller in relation to the Services and your personal data. Our registered address is The Water Mill ,  Station Road ,  South Luffenham ,  Leicestershire , LE15 8NB. If you have any queries relating to our use of your personal data or any other data protection issues, please contact our Data Protection Officer at The Water Mill ,  Station Road ,  South Luffenham ,  Leicestershire , LE15 8NB, England.

We will collect personal information about you which you give to us when you register to use our Services. The provision of the Services to you may also require us to store details of your transactions, together with details of your financial information. We will periodically review your personal information to ensure that we do not keep it for longer than is necessary.

We may use your personal information for the following purposes:(a) to enable you to access and use the Services; and/or (b) to personalise aspects of our overall service to you; and/or (c) to communicate with you; and/or (d) to process a transaction between you and a third party.

Please be aware that once you use our website or our Services, you will be regarded as having given your consent to us disclosing your personal information to the following parties: (a) our card processor in order to process your transactions (where relevant); (b) other third parties either where necessary for those third parties to provide additional products or services requested by you or with your prior consent; and (c) third parties who may use that information to contact you about their products and services. We may disclose information about you in connection with legal proceedings or potential legal proceedings or if otherwise permitted to do so by law or any governmental or law enforcement agency.

Please also be aware that if you tick the Data Protection Tick-box on the registration page for the Services, you will be regarded as having given your consent to us providing you with information, offers and services that may be of interest to you. For example, we may e-mail you with information about our new products or services which we think may be of interest to you. If you tick the Data Protection Tick-box on the registration page for the Services, you will also be regarded as having given your consent to us disclosing your personal information to the following parties who may also provide you with information, offers and services: (a) other companies in our group of companies; and (b) our trusted business partners - a current list of our trusted business partners is set out here [insert a link if relevant] and is updated from time to time. You can ask us to stop passing your information to third parties for marketing purposes at any time, which we will do. Such a request may result in us ceasing to offer the Services to you.

Please also be aware that if you tick the Data Protection Tick-box on the registration page for the Services, you will be regarded as having given your consent to us providing you with information, offers and services that may be of interest to you. For example, we may e-mail you with information about our new products or services which we think may be of interest to you. If you tick the Data Protection Tick-box on the registration page for the Services, you will also be regarded as having given your consent to us disclosing your personal information to the following parties who may also provide you with information, offers and services: (a) other companies in our group of companies; and (b) our trusted business partners - a current list of our trusted business partners is set out here [insert a link if relevant] and is updated from time to time. You can ask us to stop passing your information to third parties for marketing purposes at any time, which we will do. Such a request may result in us ceasing to offer the Services to you.

Keeping information about you secure is very important to us. However, no data transmission over the internet can be guaranteed to be totally secure. As a result, whilst we strive to protect your personal information, we cannot ensure or warrant the security of any information which you send to us, and you do so at your own risk.

A cookie is a very small text file placed on your computer by a web browser, which has been sent by a web server. It is essentially an "identification card" relating to you. The main purpose of our cookies is to identify you when you visit our website. Each time your browser requests a web page from our server, the browser sends the information in the text file back to the server and lets the server know that you have returned to that web page. We use cookies to provide you with a better service tailored to suit you. Cookies help you to save time. For example, if you register for our Services, a cookie helps us to remember who you are and what your preferences are. Next time you return, we can fill in any questions that you have already answered. The more you tell us about yourself, the more we can help to find information or products you want. If you do not accept incoming cookies then the performance of our website on your system will not be to full standard or our website may not serve at all.

Information supplied by you to us will only be transferred abroad by us or our agents for the purpose of performing contractual obligations to you, or when you have given your prior consent to such transfer.

You have certain rights under the Data Protection Act 1998. For example, we will always let you have a copy of all personal information we have about you should you request it. We may charge you a fee for a copy of such information.